WEBVTT - ‘How to Money’ with Joel Larsgaard | License Plate Tracking

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<v Speaker 1>You're listening to Bill Handle on demand from KFI AM

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<v Speaker 1>six forty.

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<v Speaker 2>Five AM six forty bill Handle. Here it is a

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<v Speaker 2>Thursday morning, October twenty three. A couple of the stories

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<v Speaker 2>were following PBS SoCal announcing a huge telethon featuring a

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<v Speaker 2>variety of actors' hosts, musicians. Do you remember when Jerry

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<v Speaker 2>Lewis was hosting that it would go on for twenty

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<v Speaker 2>four hours the telethon for was it muscular dystrophy? And

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<v Speaker 2>he had everybody on and at the end and who's

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<v Speaker 2>at the end of twenty four hours? And kids with

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<v Speaker 2>wheelchairs would be rolled out, you know, to pull your heartstrings.

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<v Speaker 2>And at the very end of the telethon, he would

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<v Speaker 2>have one of the kids in wheelchairs remove the wheelchair

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<v Speaker 2>and crawl across the stage just so he can get

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<v Speaker 2>some money.

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<v Speaker 1>Well maybe not, but it was pretty interesting.

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<v Speaker 2>Anyway, There's going to be a telethon with insane number

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<v Speaker 2>of people to raise money for PBS which has been

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<v Speaker 2>cut dramatically.

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<v Speaker 1>Okay.

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<v Speaker 2>Joel Larsguard, host of How to Money Sunday's twelve to

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<v Speaker 2>two pm. His address is at how to Money Joel.

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<v Speaker 1>Good Morning, Joel, Morning Bill. Oh yeah, we got a

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<v Speaker 1>lot to cover today.

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<v Speaker 2>Now credit cards to earn extra awards, which I am

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<v Speaker 2>a huge fan of, should you actually churn them? Should

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<v Speaker 2>you take all the extras at the beginning to get

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<v Speaker 2>you on and then you cancel and go to the

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<v Speaker 2>next one.

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<v Speaker 1>Does that make sense? Yeah?

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<v Speaker 3>So that is the practice known as churning, and it's

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<v Speaker 3>something that should you do it?

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<v Speaker 1>And it depends on a number of factors.

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<v Speaker 3>And I think we should probably start off with the

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<v Speaker 3>reality that most people don't handle credit cards. Well, something

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<v Speaker 3>like fifty to sixty percent of people have like a

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<v Speaker 3>recurring balance on their credit card every single month, and

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<v Speaker 3>I think a lot of people in that position they

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<v Speaker 3>sometimes think about, or they'll think about the rewards that

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<v Speaker 3>they're getting from their credit cards, where there's the sign

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<v Speaker 3>up bonus, the two percent cash back, the travel rewards,

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<v Speaker 3>from the spending they're doing, and maybe they minimize the

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<v Speaker 3>downside of that credit card and the twenty two percent

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<v Speaker 3>interest rate they're paying on the balance because they're like,

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<v Speaker 3>it's okay, I'm getting these other benefits, and the truth

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<v Speaker 3>is it's not even close to okay, Like if you

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<v Speaker 3>don't if you don't pay your balance off on time

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<v Speaker 3>and in full. Credit cards just are not for you,

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<v Speaker 3>at least at this point in time. When we're talking

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<v Speaker 3>about churning. This is when people are saying they're trying

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<v Speaker 3>to game the system, and the credit card companies are

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<v Speaker 3>you know, their best customers are the ones who do

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<v Speaker 3>have those recurring balances, and the churners are saying, we're

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<v Speaker 3>not going to have a balance. In fact, what we're

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<v Speaker 3>going to do is exploit the system for all it's worth.

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<v Speaker 3>We're going to sign up for as many credit cards

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<v Speaker 3>as we humanly can that's humanly possible, in order to

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<v Speaker 3>get all of those sign up bonuses, reap a ridiculous

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<v Speaker 3>number of points and you know, many hundreds of dollars

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<v Speaker 3>in sign up bonuses, and then we're just going to

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<v Speaker 3>sit back and use those those sweet perks that you've

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<v Speaker 3>given us, and we're never going to carry a balance.

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<v Speaker 3>And those are the customers that the credit card companies

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<v Speaker 3>really hate.

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<v Speaker 2>Let me ask, doesn't that destroy your credit if you

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<v Speaker 2>all of a sudden sign up for twelve cards.

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<v Speaker 3>That's a good question, and that it is possible it

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<v Speaker 3>can harm your credit, especially in the short term. If

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<v Speaker 3>you sign up for a bunch of cards in a

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<v Speaker 3>short period of time and you have all these new

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<v Speaker 3>lines of credit that don't have much history to them. Yes,

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<v Speaker 3>it can hurt your credit, but on the flip side

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<v Speaker 3>of it, people who are really smart about the churning

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<v Speaker 3>practice and they're kind of doing it methodically and over time,

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<v Speaker 3>ultimately many of them have really high credit scores because

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<v Speaker 3>what they have is a ton of available credit and

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<v Speaker 3>they're not using much of that credit, which is one

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<v Speaker 3>of the biggest metrics that the credit score, the credit

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<v Speaker 3>burero's factor in. So if you have twelve or fifteen

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<v Speaker 3>or twenty five credit cards with fifteen, twenty, thirty thousand

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<v Speaker 3>dollars credit limits and you're using essentially none of that

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<v Speaker 3>credit limit, it looks like you're handling credit incredibly well

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<v Speaker 3>to the credit bureaus. So yeah, maybe in the short

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<v Speaker 3>term it can be a credit ding, but ultimately, for

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<v Speaker 3>people who do it well, it can be a credit boost.

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<v Speaker 1>Huh.

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<v Speaker 2>And the credit card companies haven't been able to figure

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<v Speaker 2>that out. There are no algorithms that put all that together.

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<v Speaker 3>God, so that you would think there is. I would

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<v Speaker 3>say Chase is probably the best at cracking down on this,

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<v Speaker 3>but ultimately it's really hard for them to figure out

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<v Speaker 3>who are the churners and who's not and if they

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<v Speaker 3>cut some people off, well, was that person actually going

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<v Speaker 3>to eventually use that card?

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<v Speaker 2>Well?

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<v Speaker 3>And are we cutting off some of our potentially best

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<v Speaker 3>clients and customers. Chase essentially has a rule that's like

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<v Speaker 3>the five and twenty four rule. If you open up

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<v Speaker 3>more than five credit cards in a twenty four month period,

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<v Speaker 3>they're going to now you for a credit card. And

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<v Speaker 3>so there, that's kind of how they've been able to

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<v Speaker 3>crack down on it and say, like, man, whoever, if

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<v Speaker 3>you're one of those people who's opened up a ton

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<v Speaker 3>of new credit cards, we just don't want you as

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<v Speaker 3>a customer.

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<v Speaker 2>You know, I use the Chase card and because it

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<v Speaker 2>has the best best points for travel, and I pay

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<v Speaker 2>money for it. I have that the one the reserve

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<v Speaker 2>card that gives you a zillion points that I pay

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<v Speaker 2>money for the card itself. And for me, it's all

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<v Speaker 2>about upgrades, that's it. It's all about upgrades. Uh. It's

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<v Speaker 2>me sitting in business class because I've upgraded, and you know,

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<v Speaker 2>you sit in business class first, and people in coach

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<v Speaker 2>go past you, and as they go past me, I turn,

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<v Speaker 2>I look at the bed and I go, hey, I'm

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<v Speaker 2>sleeping to night. How about you? Oh?

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<v Speaker 1>They love that absolutely, Yeah, they do. Ah right now.

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<v Speaker 2>The way it works is Joel sends me the topics

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<v Speaker 2>that we talk about, and here's one that I looked

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<v Speaker 2>at and I went, wow.

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<v Speaker 1>That's interesting.

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<v Speaker 2>It's almost counterintuitive, and that is the more money you have,

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<v Speaker 2>the more money you have.

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<v Speaker 1>Joel, that's very deep, I must tell you. Is that

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<v Speaker 1>what I said in the email? I hope that's not

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<v Speaker 1>what I said. I'm okay what I was.

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<v Speaker 3>Getting at, And what is I think true for a

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<v Speaker 3>lot of people, And this is kind of counterintuitive?

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<v Speaker 2>Is it?

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<v Speaker 3>When you have more money, handling that money becomes more complicated,

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<v Speaker 3>and for a lot of people, actually managing money becomes

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<v Speaker 3>more difficult. It becomes harder because the options increase, the

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<v Speaker 3>complexity increases. And there is something about having a dedicated

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<v Speaker 3>goal paying off some credit card debt and building up

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<v Speaker 3>a little savings that I think most people like. It's

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<v Speaker 3>they're like finite, simple goals. And when the goals become

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<v Speaker 3>more long term in nature and more ambiguous in nature,

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<v Speaker 3>I'm kind of saving for retirement or I'm trying to

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<v Speaker 3>build up a stash for my kids to pay for college.

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<v Speaker 3>Like when those goals become bigger, harder to define, and

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<v Speaker 3>longer term, people actually their ability to make progress can

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<v Speaker 3>sometimes erode because they're not able to stick with I

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<v Speaker 3>guess some of the tools and the methodology that got

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<v Speaker 3>them there in the first place, like tracking their spending

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<v Speaker 3>and sticking to a budget and kind of calculating things.

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<v Speaker 3>Once their income goes up, oftentimes it becomes a lot

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<v Speaker 3>harder for them to kind of stay in line.

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<v Speaker 2>Yeah, and just by the way, I'm a big fan

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<v Speaker 2>of this because I have a wealth manager. Now I've

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<v Speaker 2>done that. For example, my kids five twenty nine plan

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<v Speaker 2>for college. I funded that the day my kids were born.

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<v Speaker 2>Is when I started that. And as that money increased,

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<v Speaker 2>I told, you know, I gave the money to a

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<v Speaker 2>professional to manage, and I said, I'll make the money,

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<v Speaker 2>I'll fund it. You figure out how it's going to

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<v Speaker 2>be invested and how we're going to deal with it,

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<v Speaker 2>because this is what you do. I don't, and you know,

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<v Speaker 2>as and there was a time where I just barely

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<v Speaker 2>made the point where I could have used the money

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<v Speaker 2>person and I went and did it, because again, my

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<v Speaker 2>job was to make the money and I do that, okay,

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<v Speaker 2>and your job is to make it happen. And I, well,

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<v Speaker 2>I'm very very conservative with my money, but I just

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<v Speaker 2>didn't want.

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<v Speaker 1>To take the time.

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<v Speaker 2>It takes time to actually figure out what a good

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<v Speaker 2>investment policy is.

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<v Speaker 3>You're right, and it's and it takes And I don't

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<v Speaker 3>think hiring someone excuses your need to have some knowledge

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<v Speaker 3>that you can ask good questions. And I think the

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<v Speaker 3>further along you get in your financial life and the

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<v Speaker 3>more goals you've been able to achieve, the more likely

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<v Speaker 3>it is that you should hire someone to come alongside

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<v Speaker 3>in particular help you with some of those those bigger

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<v Speaker 3>questions that you have, but also some of that coaching, right,

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<v Speaker 3>and some of that kind of helping you stay in

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<v Speaker 3>the game and continue to make the smart moves so

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<v Speaker 3>that you don't feel like you're going it alone and

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<v Speaker 3>you're unable.

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<v Speaker 1>To do that.

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<v Speaker 3>So I do think, yeah, as people, more money sounds

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<v Speaker 3>like it's going to be a good thing. Right, I've

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<v Speaker 3>got more options at my disposal. But then sometimes as individuals,

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<v Speaker 3>especially if we're not well versed in personal finance, we

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<v Speaker 3>have so many options and we don't really know which

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<v Speaker 3>direction to go in and I think that is when

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<v Speaker 3>a professional can be of a lot of help in

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<v Speaker 3>your life.

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<v Speaker 2>Yeah, and a professional can also come up with a budget,

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<v Speaker 2>can do the analysis and do all of it, which

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<v Speaker 2>a lot of us are horrible at.

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<v Speaker 3>And sometimes, again, like I said, with some of those

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<v Speaker 3>goals get really amorphous or long term. It's really easy

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<v Speaker 3>for us to be like, I'm doing great, I'm cruising,

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<v Speaker 3>and we start to kind of round things off and

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<v Speaker 3>we're guestimating. And when you're rounding things off and you're

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<v Speaker 3>guestimating and you're not precise, that means that money's going

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<v Speaker 3>to flow through the cracks. And hey, guess what, You've

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<v Speaker 3>got more money and it can flow through the cracks.

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<v Speaker 3>But the if that money then does flow through the cracks,

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<v Speaker 3>you're not going to achieve those greater goals that you have.

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<v Speaker 3>And so, whether it's financial independence at an earlier age,

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<v Speaker 3>whether it is max in that five to twenty nine

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<v Speaker 3>account for your kid's future, like, you're just going to

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<v Speaker 3>make progress a lot more slowly than you otherwise would.

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<v Speaker 3>And it makes sense, and that's where having somebody in

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<v Speaker 3>your corner could be the right move, all.

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<v Speaker 1>Right, Joel.

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<v Speaker 2>Thanks This Sunday twelve, to two. How to money. You

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<v Speaker 2>have a good one to earn some money and don't

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<v Speaker 2>lose it or whatever the hell you do, will do?

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<v Speaker 1>Thanks Bill, All right, take care all right now.

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<v Speaker 2>La County is moving to limit license plate tracking. Cal

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<v Speaker 2>Matters did a report and talked about how many police

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<v Speaker 2>policing agencies in California don't even have a policy and

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<v Speaker 2>of tracking license plates with technology, cameras, etc.

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<v Speaker 1>Well actually specifically cameras.

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<v Speaker 2>And where they're going to share them if they're going

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<v Speaker 2>to share them with federal agencies for example and board

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<v Speaker 2>of supervisors. And that is the same thing with for example,

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<v Speaker 2>the La County agencies, right Sheriff's department. There really is

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<v Speaker 2>no policy out there now we know, Wow, the state

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<v Speaker 2>has a policy.

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<v Speaker 1>No, there was a bill and the governor vetoed it.

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<v Speaker 2>And so here is the issue. Does a police department

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<v Speaker 2>share information with federal authorities?

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<v Speaker 1>Readspite ice.

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<v Speaker 2>And as of right now it can you know, for example,

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<v Speaker 2>the s Sheriff's Department after the Board of Supervisors passed

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<v Speaker 2>the motion saying that they're on their way to limiting

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<v Speaker 2>the amount of time that this information can be held

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<v Speaker 2>to sixty days and must then eliminated. Must be must

0:11:49.840 --> 0:11:52.560
<v Speaker 2>delete it unless it has to do specifically with a crime.

0:11:53.400 --> 0:11:56.440
<v Speaker 2>And the Sheriff's department said, we'll take a look at it.

0:11:57.520 --> 0:12:01.840
<v Speaker 2>We'll you know, lick. It's it's all over the place,

0:12:02.600 --> 0:12:05.959
<v Speaker 2>and you would think there would be a set law,

0:12:06.120 --> 0:12:09.400
<v Speaker 2>and it's not. It's simply policy as to which departments

0:12:09.440 --> 0:12:13.320
<v Speaker 2>share in which departments don't LAPD from what I understand,

0:12:13.360 --> 0:12:16.359
<v Speaker 2>doesn't share other agencies.

0:12:16.400 --> 0:12:20.559
<v Speaker 1>Police agencies do share. Others are up in the air. Now.

0:12:21.040 --> 0:12:23.800
<v Speaker 2>As far as I'm concerned, I'm okay with the license

0:12:23.840 --> 0:12:24.640
<v Speaker 2>plate readers.

0:12:24.760 --> 0:12:25.320
<v Speaker 1>I don't care.

0:12:26.240 --> 0:12:29.440
<v Speaker 2>I don't have a problem with the police agencies reading

0:12:29.440 --> 0:12:33.079
<v Speaker 2>my license plates. And as I zip past, if there's

0:12:33.120 --> 0:12:35.640
<v Speaker 2>a problem with me, then stop me.

0:12:35.720 --> 0:12:38.199
<v Speaker 1>And there isn't. I happen to be a law abiding citizen.

0:12:38.240 --> 0:12:41.600
<v Speaker 2>God forbid. But let me do a survey. Survey says

0:12:41.679 --> 0:12:43.679
<v Speaker 2>real quickly, Neil, do you have a problem with the

0:12:43.720 --> 0:12:46.720
<v Speaker 2>authorities keeping your license plate number and knowing where you are.

0:12:46.559 --> 0:12:50.520
<v Speaker 1>And where you've been? No, it's their plate, all right?

0:12:50.559 --> 0:12:56.520
<v Speaker 1>Amy issue with the authorities? No, they know everything anyway. Yeah,

0:12:56.559 --> 0:12:59.800
<v Speaker 1>that's true. A will Will really knows.

0:13:00.960 --> 0:13:03.720
<v Speaker 2>Do you have a problem with the authorities knowing your

0:13:03.760 --> 0:13:06.760
<v Speaker 2>license plate or your airplane to see if it was

0:13:06.880 --> 0:13:07.760
<v Speaker 2>involved in a crime.

0:13:08.040 --> 0:13:09.960
<v Speaker 1>No, not at all, because it's not a it's not

0:13:10.000 --> 0:13:12.800
<v Speaker 1>a right, it's a privilege. Okay, not fair.

0:13:12.720 --> 0:13:17.880
<v Speaker 2>Enough and no problem, No problem, interesting, Kono, any problem?

0:13:18.600 --> 0:13:20.040
<v Speaker 1>I have a problem with authorities.

0:13:20.679 --> 0:13:24.959
<v Speaker 2>Yes, okay, so that's uh. Can you imagine everybody except

0:13:25.000 --> 0:13:25.400
<v Speaker 2>for Kno.

0:13:26.000 --> 0:13:29.160
<v Speaker 1>You had a lot of problem with extra high stairs.

0:13:29.800 --> 0:13:33.080
<v Speaker 2>Yeah, and a lot of civil libertarians have a real

0:13:33.200 --> 0:13:38.480
<v Speaker 2>problem with the authorities knowing this much about you and

0:13:38.679 --> 0:13:42.040
<v Speaker 2>keeping your license plate where let's say you've blown through

0:13:42.080 --> 0:13:45.200
<v Speaker 2>a red light or whatever, and the camera you know,

0:13:45.320 --> 0:13:48.760
<v Speaker 2>follows you, knows where you are, or just reads your

0:13:48.800 --> 0:13:51.600
<v Speaker 2>license plate, which can be done now. I mean there

0:13:51.600 --> 0:13:55.160
<v Speaker 2>are cameras that can read license plates all over the city.

0:13:55.200 --> 0:13:57.080
<v Speaker 2>And we're going to reach a point where there is

0:13:57.160 --> 0:14:00.400
<v Speaker 2>no place that doesn't have that kind of record. You know,

0:14:00.559 --> 0:14:04.120
<v Speaker 2>have you been to London, Central London? It's one square

0:14:04.240 --> 0:14:09.800
<v Speaker 2>mile in central London. You cannot walk two feet without

0:14:10.040 --> 0:14:13.520
<v Speaker 2>you being on a screen where police are looking at you.

0:14:13.640 --> 0:14:18.960
<v Speaker 2>It is one hundred percent coverage. The same thing in China.

0:14:20.480 --> 0:14:26.480
<v Speaker 2>China has one point three billion people, and the authorities,

0:14:26.600 --> 0:14:29.960
<v Speaker 2>because they have so many cameras out there know exactly

0:14:30.000 --> 0:14:30.440
<v Speaker 2>who is what.

0:14:30.600 --> 0:14:33.720
<v Speaker 1>They use facial recognition. I mean it's wild, all right.

0:14:34.800 --> 0:14:36.960
<v Speaker 2>If you ever go to Alaska, and that is a

0:14:37.000 --> 0:14:39.920
<v Speaker 2>bucket list trip, a cruise to Alaska, I mean, they

0:14:39.960 --> 0:14:43.200
<v Speaker 2>are really neat stuff. And what you tend to do,

0:14:43.280 --> 0:14:45.440
<v Speaker 2>what you always do, is not only do you go

0:14:45.480 --> 0:14:47.560
<v Speaker 2>in the inland passage, but you go into one of

0:14:47.560 --> 0:14:52.280
<v Speaker 2>these glacier bays, one of these fjords that you get

0:14:52.320 --> 0:14:55.000
<v Speaker 2>to go as close to a glacier as you can,

0:14:55.160 --> 0:14:57.720
<v Speaker 2>the face of a glacier, and they keep half a

0:14:57.760 --> 0:15:01.200
<v Speaker 2>mile third of a mile away the ship and you're

0:15:01.280 --> 0:15:05.200
<v Speaker 2>hoping that it calves and not the cow kind of

0:15:05.240 --> 0:15:07.840
<v Speaker 2>calves as I said earlier, the calving where parts of

0:15:07.880 --> 0:15:11.600
<v Speaker 2>the glacier fall into the ocean, which happens all the time.

0:15:11.640 --> 0:15:14.760
<v Speaker 2>You also hear this cracking sounds like rifle shots. It's

0:15:14.800 --> 0:15:18.960
<v Speaker 2>really interesting. And also on either side of a glacier,

0:15:19.000 --> 0:15:21.440
<v Speaker 2>I mean it doesn't go across the entire face of

0:15:21.440 --> 0:15:22.160
<v Speaker 2>what you're looking at.

0:15:22.560 --> 0:15:23.880
<v Speaker 1>There is also land.

0:15:23.920 --> 0:15:27.160
<v Speaker 2>They're mountains because glaciers go between mountains, as you know,

0:15:27.520 --> 0:15:30.440
<v Speaker 2>they go through the valleys or they create valleys, and

0:15:30.920 --> 0:15:35.640
<v Speaker 2>there are mountains on either side. So here is something

0:15:35.680 --> 0:15:36.840
<v Speaker 2>that was not expected.

0:15:37.680 --> 0:15:38.280
<v Speaker 1>It was.

0:15:39.680 --> 0:15:46.560
<v Speaker 2>August last August, and there's a ship and they're in

0:15:46.800 --> 0:15:51.800
<v Speaker 2>the Tracy Arm Fjord and as they're looking at the glacier,

0:15:52.920 --> 0:15:56.400
<v Speaker 2>the entire the entire mountain side goes into the water,

0:15:58.720 --> 0:16:04.040
<v Speaker 2>creating a a hyper local it was local, but massive

0:16:04.160 --> 0:16:08.440
<v Speaker 2>tsunami that ran up the opposite slope on the opposite

0:16:08.440 --> 0:16:12.760
<v Speaker 2>part of the fjord, leveling everything in its path. The

0:16:12.960 --> 0:16:18.040
<v Speaker 2>water was as high as the Empire State Building. Now

0:16:18.400 --> 0:16:21.360
<v Speaker 2>the good news is there wasn't a ship in there

0:16:21.640 --> 0:16:25.680
<v Speaker 2>at that moment. I mean, there was a ship fifteen

0:16:25.720 --> 0:16:29.560
<v Speaker 2>miles away. It was a National Geographic Cruise ship caring

0:16:29.560 --> 0:16:32.360
<v Speaker 2>about one hundred and fifty people, and that started to

0:16:32.440 --> 0:16:35.880
<v Speaker 2>move backward at a really good clip because the water

0:16:36.680 --> 0:16:39.000
<v Speaker 2>was shifting and it was pulling the ship.

0:16:39.440 --> 0:16:43.520
<v Speaker 1>The ship back twenty miles away.

0:16:44.200 --> 0:16:48.480
<v Speaker 2>There were three kayakers who were camping on high ground

0:16:49.920 --> 0:16:53.240
<v Speaker 2>and they woke up with good news. If they had

0:16:53.280 --> 0:16:56.560
<v Speaker 2>been any low lower, they would they would have swept away,

0:16:57.280 --> 0:17:01.600
<v Speaker 2>but they just got very wet. It was experts say

0:17:01.600 --> 0:17:03.760
<v Speaker 2>as a miracle that no one was hurt or killed.

0:17:04.920 --> 0:17:08.439
<v Speaker 2>The only reason the National Geographic Cruise ship was saved

0:17:08.440 --> 0:17:12.040
<v Speaker 2>and this is fifteen miles away. It was positioned behind

0:17:12.080 --> 0:17:16.239
<v Speaker 2>an S bend S shaped bend, and it blocked the

0:17:16.240 --> 0:17:19.719
<v Speaker 2>impact of a wall of water that saved theirs lives.

0:17:20.320 --> 0:17:22.800
<v Speaker 2>And scientists are looking at these things and they're saying

0:17:23.240 --> 0:17:26.960
<v Speaker 2>they're going to happen more and more. And why is

0:17:27.000 --> 0:17:35.359
<v Speaker 2>this climate change? You know, that hoax of climate change

0:17:36.359 --> 0:17:38.320
<v Speaker 2>and what ends up happening? And I didn't know this

0:17:39.040 --> 0:17:41.080
<v Speaker 2>is why would a mountain just come down that it's

0:17:41.119 --> 0:17:46.119
<v Speaker 2>been there forever? Well, the ice of a glacier actually

0:17:46.560 --> 0:17:49.679
<v Speaker 2>is the support. It's almost like a retaining wall that

0:17:49.880 --> 0:17:54.160
<v Speaker 2>keeps the mountain there. And as the glaciers behind it

0:17:54.200 --> 0:17:56.320
<v Speaker 2>start melting and.

0:17:56.359 --> 0:17:57.439
<v Speaker 1>The water goes through it.

0:17:57.440 --> 0:17:59.800
<v Speaker 2>This is over thousands of years, maybe one hundreds of

0:18:00.000 --> 0:18:02.040
<v Speaker 2>thousands of years, and all of a sudden you have

0:18:02.080 --> 0:18:06.760
<v Speaker 2>gleate climate, climate change, climate warming in this case, well

0:18:06.800 --> 0:18:09.879
<v Speaker 2>all of it. I mean, the c degree up in

0:18:09.920 --> 0:18:12.879
<v Speaker 2>that area is four percent higher than it was in

0:18:12.960 --> 0:18:14.879
<v Speaker 2>nineteen fifty four degrees higher.

0:18:16.560 --> 0:18:19.439
<v Speaker 1>Go to Alaska. By the way, it's still worth it.

0:18:19.600 --> 0:18:21.720
<v Speaker 2>Just want to let you know, well, well worth it,

0:18:22.320 --> 0:18:23.240
<v Speaker 2>definitely bucket list.

0:18:23.359 --> 0:18:26.480
<v Speaker 1>Okay, we're done, guys. That's it.

0:18:26.480 --> 0:18:29.560
<v Speaker 2>It's a Thursday, Tomorrow Friday, and it's a foody Friday

0:18:30.200 --> 0:18:32.840
<v Speaker 2>from eight to eight thirty where we talk, where Neil

0:18:32.840 --> 0:18:35.840
<v Speaker 2>at I talk food and then ask handle anything at

0:18:36.119 --> 0:18:38.359
<v Speaker 2>the bottom of the hour, and then of course lots

0:18:38.400 --> 0:18:41.879
<v Speaker 2>more to cover, and so we're back again tomorrow. It's

0:18:42.200 --> 0:18:44.960
<v Speaker 2>Amy and Will and wake up Call from five to

0:18:45.000 --> 0:18:48.920
<v Speaker 2>six o'clock. Neil and I are aboard six to nine

0:18:49.480 --> 0:18:57.360
<v Speaker 2>and always here and always perky cono and and yes, perky, perky,

0:18:57.960 --> 0:18:58.480
<v Speaker 2>all right.

0:18:58.400 --> 0:18:59.280
<v Speaker 1>Gary and Shannon.

0:19:00.000 --> 0:19:05.280
<v Speaker 2>Next, this is KFI AM six poy S five.

0:19:05.920 --> 0:19:07.680
<v Speaker 1>You've been listening to the Bill Handle Show.

0:19:07.800 --> 0:19:11.159
<v Speaker 2>Catch My Show Monday through Friday six am to nine am,

0:19:11.200 --> 0:19:14.639
<v Speaker 2>and anytime on demand on the iHeartRadio app