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Speaker 1: You're listening to KFI AM six forty wake Up Call

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Speaker 1: with me Amy King on demand on the iHeartRadio.

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Speaker 2: App, KSPY and kost HD two Los Angeles, Orange County

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Speaker 2: More stimulating talk KFI and kost HD two Los Angeles,

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Speaker 2: Orange County.

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Speaker 3: It's time for your morning wake up call.

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Speaker 4: Here's Amy King.

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Speaker 5: It's five o'clock, straight up.

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Speaker 1: This is your wake up call for Tuesday, January thirteenth.

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Speaker 1: It's feeling very spring live this week. You see temperatures

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Speaker 1: in the eighties. Might have to break out the shorts.

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Speaker 1: Maybe that might be a little cream of It is early.

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Speaker 1: You know, I get up stupid early, and this morning

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Speaker 1: I woke up on my own ahead of my alarm clock.

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Speaker 1: I just sat there and well, what is going on

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Speaker 1: with that? Rob weighed in on the on the talk

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Speaker 1: back on the iHeartRadio app, which you can do anytime.

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Speaker 1: We welcome you to do that. It's a little microphone

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Speaker 1: in the upper right hand corner of the app when

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Speaker 1: you're listening online. Rob called, because you know we all

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Speaker 1: get up way too early in the morning.

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Speaker 6: Good Monday morning, Amy. I just wanted to say thank

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Speaker 6: you so much for the job that you do. You

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Speaker 6: got to be getting up at three am to get

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Speaker 6: in there and be prepared by five am, and then

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Speaker 6: doing this show with the brightness, blertness and kindness that

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Speaker 6: you have. I just wanted you to know you are appreciated.

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Speaker 6: Have a great week.

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Speaker 1: Well, thank you, Rob. You can call in any time

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Speaker 1: how he's allowed. Hey, we love to hear from you,

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Speaker 1: even if it's constructive criticism. Just don't be mean. Don't

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Speaker 1: be mean. Please, my little ego can't take it. Here's

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Speaker 1: what's ahead on wake up Call. A man accused of

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Speaker 1: driving a U haul truck into a crowd of protesters

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Speaker 1: supporting regime change in Iran has been charged with reckless driving,

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Speaker 1: which is a misdemeanor. No one was seriously hurt. Police

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Speaker 1: did have to step in to keep the crowd from

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Speaker 1: attacking the man at the protest over the weekend in Westwood.

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Speaker 1: The US is telling Americans to get out of Iran now.

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Speaker 1: The State Department is urging US citizens to leave to

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Speaker 1: avoid demonstrations and to stock up on essential equipment as

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Speaker 1: those demonstrations continue throughout the country. The bear booted from

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Speaker 1: underneath a home in Altadena may have found a new home.

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Speaker 1: A person who lives about a half mile away from

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Speaker 1: the home where the bear lived in a crawl space

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Speaker 1: for more than a month, says a bear has moved

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Speaker 1: in under his home. It's not clear if it's the

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Speaker 1: same bear. The nonprofit group that got the first bear

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Speaker 1: out from under Ken Johnson's home has been called about

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Speaker 1: evicting this one too. Thousands continue to protest and now

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Speaker 1: thousands have been killed in the streets of Iran. ABC

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Speaker 1: s Jordanna Miller has the latest on the protests that

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Speaker 1: could bring down the Iranian regime that's coming up in

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Speaker 1: just a couple of minutes. FED Chair Jerome Powell has

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Speaker 1: just months left in office and is now facing a

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Speaker 1: Department of Justice investigation. ABC Stephen Portnoy will tell us

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Speaker 1: about lawmakers on both sides of the aisle calling foul

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Speaker 1: on this one that's coming up. At five point twenty

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Speaker 1: ten percent credit card interest rates, that sounds like a

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Speaker 1: good idea, but is it? And also younger people moving

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Speaker 1: away from credit cards over to debit cards. Is that

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Speaker 1: the right way to go? We're going to find out

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Speaker 1: with the host of How to Money on KFI, Joel Larsgard.

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Speaker 1: That is coming up before the top of the hour.

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Speaker 1: Let's get started with some of the stories coming out

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Speaker 1: of the KFI twenty four hour newsroom. LA Fire Chief

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Speaker 1: Jim Moore admits a lot of bad decisions were made

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Speaker 1: during the wildfires in the LA area last year, he

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Speaker 1: tells kfi's John Cobalt. Despite reports to the contrary about

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Speaker 1: text messages being sent, firefighters on duty at the time

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Speaker 1: of the Lachman fire believed it was out.

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Speaker 7: That fire was out.

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Speaker 4: They truly believed that fire was out. Nobody came up

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Speaker 4: to them and told them that the fire wasn't out.

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Speaker 4: Nobody'd sent him a text message.

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Speaker 1: Moore says the department had also been dealing with budget

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Speaker 1: cuts leading up to the fires. Relatives of a man

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Speaker 1: killed by an off duty ICE agent in Northridge on

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Speaker 1: New Year's Eve planned to take their concerns to the

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Speaker 1: LA Police Commission their meeting later this morning. The Department

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Speaker 1: of Homeland Security says the agent was responding to an

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Speaker 1: active shooter situation at an apartment complex. Activists say Keith

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Speaker 1: Porter was not an active shooter, but he was shooting

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Speaker 1: his rifle into the air to celebrate the New year.

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Speaker 1: Strong winds are sticking around for at least another day.

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Speaker 8: The National Weather Service as a wind advisory will remain

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Speaker 8: in place until Wednesday at two pm, when GUS could

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Speaker 8: top forty miles per hour and will be strongest along

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Speaker 8: the coast of Malibu and Ventura County. There will also

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Speaker 8: be powerful winds and major chunks of Los Angeles County.

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Speaker 8: Those areas include the five and fourteen freeways, as well

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Speaker 8: as the Santa Monica Mountains and the San Gabriel Mountains.

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Speaker 8: Mark Mayfield Kofi News time.

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Speaker 1: To say good morning to ABC's Jordona Miller in jerusalema

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Speaker 1: Iran is now admitting that the protests have turned bloody

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Speaker 1: and they're blaming the US.

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Speaker 9: That's right, they are now. An Irani official is now

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Speaker 9: saying at least two thousand protesters have been killed.

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Speaker 1: And as Iran saying.

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Speaker 9: That three times. That's right. That's an Iranian official saying

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Speaker 9: that that's three times the number we were reporting in yesterday, right,

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Speaker 9: which was about six point fifty, and now it's up

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Speaker 9: to two thousand. And you can bet your bottom dollar

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Speaker 9: that it's higher. That the Iranians are not telling us everything.

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Speaker 9: That's certainly what the opposition is saying that the death

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Speaker 9: will actually is, you know, not just two thousand but

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Speaker 9: could be as high as ten thousand. And the Iranians

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Speaker 9: are blaming the US and Israel for whipping up these protests,

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Speaker 9: for taking part in these protests, right, and these are

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Speaker 9: the results of security officials in Iran killing terrorists and

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Speaker 9: enemies of the state. We know that's not true. We

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Speaker 9: know that the vast majority of people who have been

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Speaker 9: killed are protesters citizens of Iran that first began protesting

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Speaker 9: two weeks ago when Iran's currency KNOWS dived again, and then,

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Speaker 9: as is often the case, the protest grew into a

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Speaker 9: national cry for the regime to fall right, the regime

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Speaker 9: of the Ayatolajmene and what many people call his fanatical henchmen.

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Speaker 9: The State Department is now calling on Americans to leave

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Speaker 9: Iran because the situation is obviously very volatile and there's

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Speaker 9: a lot of uncertainty about what's coming next. President Trump

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Speaker 9: has been presented with a variety of options by the Pentagon.

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Speaker 9: He'll be meeting with his national security advisors and the

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Speaker 9: Defense the Secretary of Defense later today, and then he'll

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Speaker 9: have to take what I think will be really faithful

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Speaker 9: decisions amy about America's next steps. And you know how

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Speaker 9: that might assist in weakening or bringing down the regime,

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Speaker 9: or on the other on the flip side, will President

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Speaker 9: Trump use this moment to negotiate a new new deal

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Speaker 9: that will curb Iran's nuclear ambitions, a deal that will

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Speaker 9: include many Iranian concessions but may keep the regime in

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Speaker 9: power and really dash the hopes of millions of Iranians

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Speaker 9: for a new government.

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Speaker 1: Okay, and Jordana. Do we know when the US and

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Speaker 1: Iran may talk? I know that we heard President Trump

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Speaker 1: talk on Air Force one and he said, Hey, the

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Speaker 1: Iranians called and they want to talk, and so we're

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Speaker 1: setting something up. But do we know when that might happen?

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Speaker 9: So we do know that the Foreign Minister of Iran

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Speaker 9: has talked, you know, a few times already with Steve Witkoff, right,

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Speaker 9: President Trump's envoy. President Trump in those remarks, I think

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Speaker 9: with alluding to a more formal meeting, And we don't

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Speaker 9: know when that will happen, but we can assume it'll

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Speaker 9: probably be in the next day or two rather quickly.

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Speaker 9: Each day that goes on, more protesters are killed.

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Speaker 6: Right.

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Speaker 9: So, and that is ostensibly what President Trump said he

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Speaker 9: wanted to prevent. He wanted to prevent the regime from

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Speaker 9: killing protesters and offered help from from America, so we

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Speaker 9: can assume that meeting will happen soon. I can tell

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Speaker 9: you here in Israel, there's a lot of skepticism about

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Speaker 9: entering into a negotiation with Iran at this point. They're

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Speaker 9: in such a week weekend position both on the geopolitical

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Speaker 9: scene and domestically, and the Israelis are worried that the

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Speaker 9: Iranians are just going to use this as a delay

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Speaker 9: tactic and another way to kind of deceive the world.

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Speaker 9: They haven't been great on following through with their word

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Speaker 9: in the past, so we'll have to see. We'll have

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Speaker 9: to see what happens. Israel remains amy on high alert

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Speaker 9: in case the United States decides to take military action.

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Speaker 9: It's you know, it's safe to say that Israel would

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Speaker 9: likely be on the targets the Iranians would likely carry

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Speaker 9: out reprival strikes here.

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Speaker 1: Okay, Well, let's see what happens and if they do talk,

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Speaker 1: and if that red line is drawn, because we know

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Speaker 1: that Trump has talked tough about if the Iranians really

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Speaker 1: crack down and hurt their citizens. So we'll be watching

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Speaker 1: and we'll be talking to you again soon, Jordana Miller

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Speaker 1: in Jerusalem. Thanks so much for the info.

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Speaker 9: Thanks me talk soon.

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Speaker 5: Yeah.

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Speaker 1: Right, let's get back to some of the stories coming

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Speaker 1: out of the KFI twenty four hour newsroom. The Supreme

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Speaker 1: Court is taking up the case of bans on transgender athletes.

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Speaker 10: The justices today we'll hear challenges from Idaho and West

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Speaker 10: Virginia on whether states can block transgender girls from participating

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Speaker 10: in girls and women's sports. The decisions on those cases

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Speaker 10: will impact similar bands already enacted in about half of

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Speaker 10: the US. The issue has sparked a national debate and

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Speaker 10: was a key issue of President Trump's twenty twenty four campaign.

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Speaker 10: Trump is opposed to transgender athletes competing on female team

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Speaker 10: deb remark Koffi News.

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Speaker 1: The Department of Homeland Security has been sued by the

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Speaker 1: state of Minnesota and twin cities, hoping to block what

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Speaker 1: they call a federal takeover by immigration enforcement officials. ABC's

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Speaker 1: Faith Abu Bay says it follows the shooting death of

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Speaker 1: Renee Good last week.

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Speaker 11: The Department of Homeland Security is responding by surging hundreds

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Speaker 11: more ICE and other federal agents to Minneapolis as operations

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Speaker 11: continue across the city.

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Speaker 1: The Trump administration has accused local officials of politicizing Good's

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Speaker 1: death against the federal immigration Enforcement agents that are still

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Speaker 1: stationed there. The DHS has released new video of the

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Speaker 1: moments leading up to the ice shooting of Renee Good

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Speaker 1: in Minneapolis last week. The video shows officers and vehicles

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Speaker 1: on a snowy street as a car horn blairs. Good

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Speaker 1: was in a red suv pressing that horn. After about

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Speaker 1: a minute, she moves the suv slightly and appears to

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Speaker 1: waive for other cars to pass, and then a dark

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Speaker 1: truck with flashing lights pulls up. Officers get out and

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Speaker 1: approach her car, and the video goes dark. Another video

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Speaker 1: shows Good reversing and turning the wheel before gunshots are heard.

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Speaker 1: The lieutenant governor in Wisconsin, who's running four governor, wants

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Speaker 1: federal immigration enforcement actions banned around courthouses, schools, clinics, and

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Speaker 1: other locations. The state's Democratic governor, Tony Evers, is considering

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Speaker 1: whether a ban can or should be imposed. Arizona Democratic

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Speaker 1: Senator Mark Kelly issuing the Pentagon. He says it's over

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Speaker 1: efforts to punish him for his part in a video

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Speaker 1: telling US service members to refuse illegal order.

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Speaker 12: To protect my rights, the rights of retired veterans, and

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Speaker 12: the rights of all Americans. I've never back down from

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Speaker 12: a fight for our country, and I'm not going to

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Speaker 12: back down from this one.

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Speaker 1: Defense Secretary Pete Hegseth announced last week he had censured

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Speaker 1: Kelly over Senator of the senator's participation in the video.

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Speaker 1: Bill and Hillary Clinton could face contempt of Congress. The

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Speaker 1: Clintons were originally ordered to appear before a House committee

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Speaker 1: hearing about the Jeffrey Epstein investigation, but asked the court date.

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Speaker 1: Are the date rather to get pushed back to January thirteenth, Well,

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Speaker 1: that's today. Neither has confirmed that they will appear for

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Speaker 1: the hearing today, and Republican Congressman James Comer, the chairman

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Speaker 1: of the panel, says he'll slap them with contempt if

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Speaker 1: they don't show up. Bill Clinton has been featured in

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Speaker 1: several Epstein pictures, but has maintained he didn't do anything

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Speaker 1: wrong during his association with the deceased sex trafficker. The

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Speaker 1: mar A Lago makeover is making way for more moderation.

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Speaker 11: Cosmetic surgency. The facial enhancements often associated with Republican notables

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Speaker 11: including Homeland Security Secretary Christy Nome and Matt Gates, are

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Speaker 11: a bipartisan issue that crosses political and gender lines. The

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Speaker 11: full lips, high cheap bones, tight skin and eye look,

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Speaker 11: also known as Instagram face or Real Housewives face, is

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Speaker 11: getting more pushed back as celebrities including Kylie Jenner and

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Speaker 11: Ariana Grande say they're moving back to a more natural look.

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Speaker 11: Dermatologists are more in demand for twenty twenty six, which

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Speaker 11: makes the work more undetectable than the over the top

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Speaker 11: botox typeface filler look. Michael Krozier kf I News, What.

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Speaker 1: Are you laughing about, Will Cole Sharper.

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Speaker 3: I don't know, I'm just laughing.

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Speaker 1: You know what. I just watched a show and Anne

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Speaker 1: and I were talking about this yesterday. It's called Down

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Speaker 1: Cemetery Road. It may be featured on Amy's on at

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Speaker 1: one of these woo coming up. But Emma Thompson is

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Speaker 1: in it, and she is older and is beautiful, beautiful, beautiful,

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Speaker 1: and like you're like, oh, she's natural and she allowed

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Speaker 1: herself to age and she just looked spectacular.

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Speaker 3: So nothing wrong with getting old.

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Speaker 1: Well that's because you're not that old yet.

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Speaker 3: Wow.

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Speaker 1: Just wait New State stats show tourism is now contributing

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Speaker 1: about three trillion dollars and fifteen million jobs around the US.

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Speaker 1: Analysts with the online marketplace square mouth to found major

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Speaker 1: cities and world famous attractions draw millions of tourists every year.

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Speaker 1: California is one of the most visited states in general,

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Speaker 1: but Times Square in New York City is the most

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Speaker 1: popular tourist attraction in the country. A stretch of the

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Speaker 1: Santa Susanna Pass Road in Chatsworth is still closed because

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Speaker 1: of a rock slide covering the roadway. The slide happens

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Speaker 1: Sunday following recent storms and heavy rain. The two lane

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Speaker 1: roads south of the one eighteen freeways closed in both

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Speaker 1: directions and there are huge boulders blocking the roadway. Not

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Speaker 1: clear when it's going to be cleared and reopened. A

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Speaker 1: former San Diego based US Navy sailor convicted of selling

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Speaker 1: military secrets to a Chinese intelligence officer has been sentenced

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Speaker 1: to more than sixteen years in prison. The twenty five

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Speaker 1: year old who served board the uss Essex and sent

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Speaker 1: sen sensitive information about US Navy ships to a person

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Speaker 1: he met online. He accepted thousands of dollars in exchange

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Speaker 1: for the information. The Trevor Project, a West Hollywood non

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Speaker 1: prim that runs a suicide hotline for LGBTQ youth, has

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Speaker 1: received a forty five million dollar donation from philanthropist Mackenzie

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Speaker 1: Scott that's Jeff Bezos' ex wife, after the Trump administration

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Speaker 1: cut its funding. It's the largest one time donation in

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Speaker 1: the organization's twenty seven year history. Let's say good morning

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Speaker 1: now to ABC's Stephen Portnoway, So, Stephen, the Justice Department

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Speaker 1: is investigating Federal Reserve Chairman Jerome Powell. So just so

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Speaker 1: everyone's clear on this, what is he being investigated exactly for?

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Speaker 4: Well, we hear from Jerome Powell, and last night we

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Speaker 4: heard from Jeanine Piro to JP's by the way, which

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Speaker 4: is interesting. Anyway, Powell said on Sunday that he is

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Speaker 4: being targeted by the Justice Department for what he said

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Speaker 4: at a Senate hearing last year about the extremely expensive

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Speaker 4: and growing cost of renovating and restoring the ninety year

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Speaker 4: old headquarters of the Federal Reserve. And look, it's credibly expensive.

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Speaker 4: But that's apparently not the basis of the investigation. The

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Speaker 4: basis of the investigations whether he's lied about the reason

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Speaker 4: it's so expensive, and the suggestion that he has lied

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Speaker 4: is based on the suspicion of some Republicans in Congress

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Speaker 4: closely aligned with the President, that he has been masking

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Speaker 4: some of the extravagances, or you know, they just they're building,

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Speaker 4: in the words of one critic, a taj Mahal, on

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Speaker 4: the National Mall, a sort of a temple to America's

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Speaker 4: banking institutions. Powell denies that. He says the reason it's

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Speaker 4: so expensive is because this plan is nearly a decade old,

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Speaker 4: that materials and labor cost more now than they did

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Speaker 4: back then. That there's a lot of asbestos apparently more

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Speaker 4: than they expected, soil contamination, even a sinkhole that they

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Speaker 4: didn't expect. And so for all these reasons you have

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Speaker 4: the two and a half billion dollar cost. But Powell

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Speaker 4: says that doesn't matter. What really matters here, and he

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Speaker 4: said this public on Sunday night, is that he is

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Speaker 4: publicly is resisted pressure from the President to more swiftly

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Speaker 4: lower interest rates, and now they're seking the Justice Department

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Speaker 4: on him. That's his perspective. Last night, Jeanine Pierro, the

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Speaker 4: US attorney for Washington, said that none of this would

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Speaker 4: have happened if the Fed had quote just responded to

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Speaker 4: our outreach. Piero says that prosecutors contact the Federal Reserve

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Speaker 4: on multiple occasions to inquire about the increase in cost

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Speaker 4: of the renovation and what Powell told senators about it.

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Speaker 4: But she says those inquiries were ignored, And now she

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Speaker 4: says they're taking the formal legal process of going to

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Speaker 4: a grand jury, getting a subpoena, And now she says

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Speaker 4: we expect his full cooperation. But in the meantime, you

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Speaker 4: have a number of Republicans in Congress who are extremely

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Speaker 4: upset about this, outspoken in their anger frankly over this.

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Speaker 4: Senate Republican leader John Thune said yesterday that if you're

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Speaker 4: going to sick the Justice Department on somebody, you better

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Speaker 4: be real, you better have something. And as you zoom out,

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Speaker 4: there's the sense, certainly among critics now and this is

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Speaker 4: a fishing expedition, that there's no basis for the suspicion

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Speaker 4: that Powell was not telling the truth. The Powell's respected

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Speaker 4: on Capitol Hills, an honest broker, and there's a risk

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Speaker 4: to the American economy and the global economy to put

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Speaker 4: political pressure or legal pressure on the Federal Reserve that

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Speaker 4: it could create an impression in the minds. Remember, so

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Speaker 4: much of the markets are psychological. It could put an

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Speaker 4: impression in the minds of investors that the United States economy,

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Speaker 4: the United States dollar bonds, the treasury are all subject

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Speaker 4: to the whims of one man, Donald Trump.

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Speaker 1: This just sparks so many little thoughts in questions. And again,

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Speaker 1: this would be asking for your speculation, which I know

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Speaker 1: you don't want to do. But you're like, why would

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Speaker 1: you do this? Like what? Like we've talked about other cases, Stephen.

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Speaker 1: I said, well, what if you know, if the charges

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Speaker 1: are ultimately dismissed And you said, it doesn't really matter

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Speaker 1: because they've already been brought up and it's already turnished them. Well,

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Speaker 1: is that what they're trying to go for here?

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Speaker 4: I don't know.

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Speaker 1: Again, that's asking for your speculation. I know you can't

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Speaker 1: really do that.

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Speaker 4: Yeah, I think. Look, it's important to understand that what

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Speaker 4: we know this morning is a function of Jerome Powell's

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Speaker 4: decision on Sunday to let the world know. The subpoenas

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Speaker 4: came on Friday. Apparently they met all through the weekend

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Speaker 4: and decided that the best course of action would be

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Speaker 4: to alert the public. They brought in a crew, they

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Speaker 4: shot a video, They put out a statement on Sunday

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Speaker 4: to say, and this is extraordinary. The Federal Reserve chairman

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Speaker 4: says he's now being threatened with an indictment because he

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Speaker 4: has resisted pressure from the present to lower interest rates.

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Speaker 4: That this is not because of what he testified to

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Speaker 4: or the fact that the building is as expensive as

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Speaker 4: it is. And now you have the response, which in

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Speaker 4: and of itself is extraordinary for the Justice Department to

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Speaker 4: be responding and saying, in the words of Janine Piro,

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Speaker 4: that none of this would have happened if only they

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Speaker 4: had been more cooperative ahead of it.

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Speaker 3: I mean.

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Speaker 4: Lisa Murkowski, the Alaska Republican, said yesterday that maybe what

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Speaker 4: ought to happen here is Congress ought to take a

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Speaker 4: look at the Justice Department. There's a risk for prosecutors

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Speaker 4: because everything is based on legitimacy, right. Judges are increasingly

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Speaker 4: starting to question the legitimacy of papers put forward by

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Speaker 4: government lawyers. And now you have Jerome Powell going public.

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Speaker 4: I think to create an image in the public mind

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Speaker 4: of what's happening here, and ultimately the people's elected representatives

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Speaker 4: in Congress who write the laws and confirm the officials

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Speaker 4: in the Senate. I'm going to have to start thinking

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Speaker 4: about what is the proper course going forward.

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Speaker 1: Well, never a dull moment always gives us something to

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Speaker 1: talk about us. Stephen, you bet all right, have a

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Speaker 1: great day, Thanks so much for the info you get.

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Speaker 1: The Riverside City Council set to consider a plan tonight

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Speaker 1: to convert a motel into one hundred and fourteen affordable

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Speaker 1: apartments for homeless and low income residents. The quality in

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Speaker 1: motel is on University Avenue, near Chicago Avenue. The conversion

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Speaker 1: would use twenty million dollars in state funds and nine

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Speaker 1: million dollars from the city. Federal immigration agents have targeted

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Speaker 1: some street vendors in northeast La.

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Speaker 13: A Medina told KTLA that he saw masked men grab

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Speaker 13: a worker off a street in Highland Park.

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Speaker 3: I seen him again, thrown in the suburban.

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Speaker 14: They took him so basically, they all ran.

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Speaker 3: They all scattered.

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Speaker 13: When the man was taken away by agents, his taco

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Speaker 13: cart was left unattended, so Medina says he packed up

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Speaker 13: the man's belongings when immigrant told KTLA that he was

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Speaker 13: released after he proved that his paperwork was in order.

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Speaker 13: Five people were reportedly detained yesterday, including people who have

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Speaker 13: children in the Los Angeles Unified School District. Tammy Trihio

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Speaker 13: KFI News.

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Speaker 1: A woman's body's been found in a shallow grave in

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Speaker 1: the Mojave Desert. Deputies from the Victor Valley Sheriff's Station

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Speaker 1: were sent yesterday to an unincorre operated area north of Helendale.

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Speaker 1: It's east of the three ninety five to help CHP

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Speaker 1: officers with a suspicious circumstances called Details of the woman's

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Speaker 1: death aren't known. Official say no missing person reports match

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Speaker 1: her description. A former Democrat is running for Lieutenant governor

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Speaker 1: of California.

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Speaker 7: Gloria Romero announced her candidacy and an ad on social media.

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Speaker 15: After seeing years of Democrat One party ruling the Sacramento

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Speaker 15: and its failed outcomes for everyday people, I left the party.

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Speaker 7: She claims her goal is to point out fraudulent spending twenty.

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Speaker 15: Four billion to end homelessness, can tell us where it went.

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Speaker 7: Romero was the first woman to serve as a majority

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Speaker 7: leader in the California Senate as a Democrat, who then

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Speaker 7: flipped to register Republican in twenty twenty four. Jason Campadonia

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Speaker 7: KFI News.

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Speaker 1: Once you start taking golp ones to lose weight, apparently

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Speaker 1: you really can't stop if you want to keep the

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Speaker 1: weight off.

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Speaker 14: New research in the British Medical Journal looked at the

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Speaker 14: GLP one medication sold under the brand names ozempic Wigovi, Munjaro,

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Speaker 14: and zep bound. It found those who take the drugs

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Speaker 14: often start regaining weight within a month after stopping the medication,

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Speaker 14: and all the user's weight loss will likely be regained

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Speaker 14: within two years. The research also showed those who stopped

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Speaker 14: taking weight loss injections are likely to regain weight four

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Speaker 14: times faster than those who regained after quitting diet and exercise.

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Speaker 14: Mark Ronner KFI News.

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Speaker 1: Yeah, but it's still so cool to lose the weight.

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Speaker 3: No free lunch.

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Speaker 2: I know.

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Speaker 1: I think we've known that since these showed up on

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Speaker 1: the market. Now they just have the studies to back

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Speaker 1: that up. The Supreme Court's going to hear two cases

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Speaker 1: today involving bans on transgender athletes. One is out of Idaho,

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Speaker 1: the other from West Virginia. Both challenge whether a ban

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Speaker 1: is legal on transgender girls to keep them from participating

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Speaker 1: in girls and women's sports. The decision on those cases

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Speaker 1: will impact other bands already in place in about half

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Speaker 1: of the US. Supporters of the Family of a man

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Speaker 1: show go and killed by an off duty Immigration and

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Speaker 1: Customs enforcement agent in Northridge on New Year's Eve plan

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Speaker 1: to take their concerns to the LA Police Commission. They're

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Speaker 1: meeting with them later today. A former CEO of a

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Speaker 1: nonprofit camp for kids with life threatening medical conditions has

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Speaker 1: been charged with embezzling more than five million dollars from

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Speaker 1: the organization. The former head of Painted Turtle, which was

438
00:25:23,000 --> 00:25:26,119
Speaker 1: co founded by Paul Newman, is scheduled to be arraigned

439
00:25:26,160 --> 00:25:29,000
Speaker 1: this week on several felony charges. He could get eighteen

440
00:25:29,080 --> 00:25:33,320
Speaker 1: years in prison if convicted. At six o five, it's

441
00:25:33,359 --> 00:25:36,000
Speaker 1: Handle on the news. Oh boy, does Handle have a

442
00:25:36,040 --> 00:25:41,320
Speaker 1: lot to say today, including Apple wants Google to add

443
00:25:41,359 --> 00:25:46,560
Speaker 1: more AI to phones. What could possibly go wrong? Here's

444
00:25:46,560 --> 00:25:48,960
Speaker 1: what's coming out of the KFI twenty four hour newsroom.

445
00:25:49,359 --> 00:25:52,439
Speaker 1: A bear has made itself at home under another house

446
00:25:52,560 --> 00:25:55,560
Speaker 1: in Altadena. The home is about a half mile away

447
00:25:55,600 --> 00:25:59,800
Speaker 1: from the one where a bear camped out since Thanksgiving

448
00:26:00,080 --> 00:26:03,119
Speaker 1: and was recently evicted. It's not clear if it's the

449
00:26:03,160 --> 00:26:06,800
Speaker 1: same bear. This neighbor tells KTLA people in the foothills

450
00:26:06,840 --> 00:26:10,720
Speaker 1: need to seal up those crawl spaces. Coyotes took residents

451
00:26:10,760 --> 00:26:11,440
Speaker 1: in a crawl space.

452
00:26:11,480 --> 00:26:14,600
Speaker 16: If you have a few blocks over and had litters

453
00:26:14,680 --> 00:26:17,280
Speaker 16: for a couple of years, that was their home, you know.

454
00:26:17,720 --> 00:26:19,919
Speaker 16: So if the bear doesn't get you something, well so

455
00:26:20,000 --> 00:26:22,200
Speaker 16: you better close up best you can.

456
00:26:22,480 --> 00:26:25,320
Speaker 1: The new bear can be seen on video huddled in

457
00:26:25,400 --> 00:26:26,879
Speaker 1: a corner of the crawl space.

458
00:26:27,200 --> 00:26:27,359
Speaker 15: You know.

459
00:26:27,359 --> 00:26:29,000
Speaker 1: They say they don't know if it's the same one.

460
00:26:29,280 --> 00:26:31,760
Speaker 1: And the first bear had a tag on his ear.

461
00:26:32,080 --> 00:26:35,120
Speaker 1: I saw because they're just showing video of him crawling

462
00:26:35,119 --> 00:26:37,680
Speaker 1: out of the crawl space. I believe we got in there.

463
00:26:38,440 --> 00:26:40,520
Speaker 1: I think it's got to be the same bear, because

464
00:26:40,560 --> 00:26:43,280
Speaker 1: he's like, hey, this looks familiar, you know, Like, why

465
00:26:43,280 --> 00:26:45,320
Speaker 1: would it be another bear, because aren't the other bears

466
00:26:45,320 --> 00:26:46,080
Speaker 1: all hibernating.

467
00:26:46,480 --> 00:26:48,399
Speaker 3: This poor bear's got to be grumpy by now.

468
00:26:48,400 --> 00:26:50,440
Speaker 1: I know, right, And he just wants to sleep.

469
00:26:50,480 --> 00:26:51,240
Speaker 3: He just wants to sleep.

470
00:26:51,280 --> 00:26:55,119
Speaker 1: It's that time of year. The Environmental Protection Agency reportedly

471
00:26:55,160 --> 00:26:58,440
Speaker 1: plans to do lead testing at one hundred homes destroyed

472
00:26:58,560 --> 00:27:01,439
Speaker 1: in the Eaten fire. The La Times says it follows

473
00:27:01,440 --> 00:27:07,800
Speaker 1: the discovery of inspection reports alleging federal cleanup workers violated protocols,

474
00:27:08,119 --> 00:27:12,919
Speaker 1: potentially leaving toxic contaminants on properties. The epas expected to

475
00:27:13,080 --> 00:27:15,679
Speaker 1: announce FEMA will pay for the soil testing at homes

476
00:27:15,680 --> 00:27:18,920
Speaker 1: that were cleaned up by federal disaster workers. A fifty

477
00:27:19,000 --> 00:27:21,040
Speaker 1: nine year old man from Northridge is plitty guilty to

478
00:27:21,080 --> 00:27:25,160
Speaker 1: his role in a crime tourism ring. It dispatched themes

479
00:27:25,160 --> 00:27:28,840
Speaker 1: from Central and South America around the US to shoplift,

480
00:27:29,280 --> 00:27:32,960
Speaker 1: burglarize homes and businesses, and steal credit cards before laundering

481
00:27:33,000 --> 00:27:35,399
Speaker 1: millions of dollars. The guy who's going to be sentenced

482
00:27:35,440 --> 00:27:39,320
Speaker 1: in November. Another company has joined the exclusive four trillion

483
00:27:39,359 --> 00:27:40,000
Speaker 1: dollar club.

484
00:27:40,200 --> 00:27:43,480
Speaker 10: Google's parent company, Alphabet, has reached the four trillion dollar

485
00:27:43,560 --> 00:27:48,000
Speaker 10: market evaluation that happened yesterday when shares jumped about one percent.

486
00:27:48,400 --> 00:27:51,879
Speaker 10: That came after Apple said Google's Gemini will power AI

487
00:27:52,040 --> 00:27:56,399
Speaker 10: features in the next generation serie. Alphabet joins Apple, Microsoft,

488
00:27:56,440 --> 00:27:59,280
Speaker 10: and Nvidia as companies to have hit the four trillion

489
00:27:59,320 --> 00:28:02,359
Speaker 10: dollar milestone, but Microsoft and Apple have both dipped below

490
00:28:02,440 --> 00:28:05,880
Speaker 10: the mark since crossing it last year. Deborah Mark kf

491
00:28:05,880 --> 00:28:06,720
Speaker 10: I News.

492
00:28:07,200 --> 00:28:09,760
Speaker 1: Speaking of money. Time to get in your business, as

493
00:28:09,760 --> 00:28:12,399
Speaker 1: we do every morning of five forty, let's say good

494
00:28:12,400 --> 00:28:17,200
Speaker 1: morning to Bloomberg's Denise Pellegriney morning, Denise, Hey, Good morning Amy. Okay,

495
00:28:17,240 --> 00:28:19,200
Speaker 1: So we know that the Supreme Court is taking up

496
00:28:19,520 --> 00:28:22,719
Speaker 1: the ban on transgender athletes today, but they got another

497
00:28:22,800 --> 00:28:25,119
Speaker 1: big one that's also being looked at.

498
00:28:25,800 --> 00:28:28,959
Speaker 5: M They've looked at it now. This is the legality

499
00:28:29,080 --> 00:28:32,280
Speaker 5: of some of President Trump's tariffs, those ten percent across

500
00:28:32,320 --> 00:28:34,959
Speaker 5: the board tariffs. So we could get a big ruling,

501
00:28:35,280 --> 00:28:38,920
Speaker 5: big from the perspective of all street from the Supreme Court.

502
00:28:39,720 --> 00:28:39,800
Speaker 6: This.

503
00:28:40,160 --> 00:28:44,560
Speaker 5: Investors are watching this very closely as well, because President

504
00:28:44,560 --> 00:28:47,240
Speaker 5: Trump has come out and said that if the Supreme

505
00:28:47,240 --> 00:28:51,360
Speaker 5: Court rules against the legality of these tariffs, then companies

506
00:28:51,400 --> 00:28:54,880
Speaker 5: could line up and start asking for their money back.

507
00:28:54,920 --> 00:28:58,080
Speaker 5: He says. Companies have paid billions of dollars and it

508
00:28:58,080 --> 00:29:01,640
Speaker 5: would be impossible for the federal government to pay that

509
00:29:01,680 --> 00:29:05,200
Speaker 5: all back, and that would ignite casts. So that's the choice,

510
00:29:05,240 --> 00:29:07,280
Speaker 5: he says, the Supreme Court is looking at We don't

511
00:29:07,280 --> 00:29:09,400
Speaker 5: know when we'll be getting this ruling. They could rule

512
00:29:09,480 --> 00:29:14,640
Speaker 5: anytime though, including today. Okay, we just got inflation numbers.

513
00:29:14,680 --> 00:29:17,320
Speaker 5: Have you seen those? Oh yeah, okay, oh yeah at

514
00:29:17,320 --> 00:29:20,720
Speaker 5: the consumer level coming in less than expected. And what's

515
00:29:20,880 --> 00:29:24,880
Speaker 5: really interesting that this is the core consumer price index,

516
00:29:24,920 --> 00:29:26,640
Speaker 5: so this is the one that the FED is more

517
00:29:26,760 --> 00:29:30,440
Speaker 5: likely to view as the real number. The core consumer

518
00:29:30,480 --> 00:29:34,560
Speaker 5: price index for December rose less than expected, only two

519
00:29:34,600 --> 00:29:37,800
Speaker 5: point six percent year on near versus two point seven

520
00:29:38,040 --> 00:29:42,440
Speaker 5: percent expected. That's small, But you have to think about

521
00:29:42,520 --> 00:29:46,240
Speaker 5: what would happen if inflation comes in hotter than expected, right,

522
00:29:46,280 --> 00:29:49,080
Speaker 5: because that signals that maybe things are heating up. So

523
00:29:49,520 --> 00:29:51,800
Speaker 5: when you see it cooling, even though it's cooling just

524
00:29:51,840 --> 00:29:54,800
Speaker 5: a little bit, it does indicate a pullback potentially in

525
00:29:54,880 --> 00:29:56,000
Speaker 5: the rate of inflation.

526
00:29:56,640 --> 00:29:58,400
Speaker 1: And if that's a trend.

527
00:29:58,520 --> 00:30:00,720
Speaker 5: Right, that makes it easier for the FED to cut

528
00:30:00,760 --> 00:30:03,840
Speaker 5: interest rates. And investors are celebrating that. This morning. We

529
00:30:03,920 --> 00:30:06,160
Speaker 5: flipped out a positive on the stock futures on that.

530
00:30:06,440 --> 00:30:11,120
Speaker 1: Okay, tookey. We were just talking about GLP ones a

531
00:30:11,160 --> 00:30:13,280
Speaker 1: couple of minutes ago and how once you start taking them,

532
00:30:13,320 --> 00:30:14,800
Speaker 1: you got to stop taking them, and they have some

533
00:30:14,920 --> 00:30:18,160
Speaker 1: nasty side effects, or potentially do, but they're new enough

534
00:30:18,160 --> 00:30:20,480
Speaker 1: that we really don't know the long term side effects.

535
00:30:20,520 --> 00:30:22,719
Speaker 1: But there's a new weight loss drug that is showing

536
00:30:22,760 --> 00:30:24,840
Speaker 1: promise that might have fewer side effects.

537
00:30:25,320 --> 00:30:28,160
Speaker 5: Yeah, and it's not a pill, it's still a shot,

538
00:30:28,520 --> 00:30:32,240
Speaker 5: but it does show some promise. And this is mgen's

539
00:30:32,320 --> 00:30:36,920
Speaker 5: experimental drug Meritide, which according to a study, this is

540
00:30:36,960 --> 00:30:41,960
Speaker 5: a phase two top line results. Mgen's experimental drug Meritide

541
00:30:42,000 --> 00:30:46,120
Speaker 5: helped patients maintain weight loss for two years. Now, this

542
00:30:46,200 --> 00:30:48,400
Speaker 5: is key because we had all those studies right amy

543
00:30:48,440 --> 00:30:50,520
Speaker 5: saying that people stopped taking the drugs and then oh

544
00:30:50,600 --> 00:30:53,600
Speaker 5: boy do they gain weight again. Well, this study showed

545
00:30:53,640 --> 00:30:56,840
Speaker 5: patients maintained weight loss even if they took the drug

546
00:30:56,960 --> 00:31:00,000
Speaker 5: less frequently than the once a week's shot that they stopped,

547
00:31:00,960 --> 00:31:03,680
Speaker 5: and at lower doses in the second year compared with

548
00:31:03,720 --> 00:31:06,920
Speaker 5: the first. So this is maybe more long acting metabolically.

549
00:31:06,960 --> 00:31:09,480
Speaker 5: They're not sure how it works. But the other key

550
00:31:09,520 --> 00:31:12,240
Speaker 5: thing is that patients saw very little of the stomach

551
00:31:12,360 --> 00:31:15,920
Speaker 5: upset that patients report with some of the other GLP

552
00:31:16,000 --> 00:31:16,600
Speaker 5: one shots.

553
00:31:16,760 --> 00:31:19,200
Speaker 1: Well, I think that that would be a nice development. Okay,

554
00:31:19,320 --> 00:31:22,640
Speaker 1: oh yeah, people are using their credit cards and they've

555
00:31:22,640 --> 00:31:25,040
Speaker 1: got a lot of debt and they're not fescing up

556
00:31:25,080 --> 00:31:25,280
Speaker 1: to it.

557
00:31:26,360 --> 00:31:28,880
Speaker 5: If you're making good money and still struggling to make

558
00:31:29,000 --> 00:31:32,960
Speaker 5: ends meet, but hiding it from everyone, You're apparently not alone,

559
00:31:33,040 --> 00:31:37,280
Speaker 5: because lending Tree says two and five consumers lie about

560
00:31:37,280 --> 00:31:40,080
Speaker 5: the amount of their credit card debt and amy get this.

561
00:31:40,760 --> 00:31:43,320
Speaker 5: According to this study, among those who make more than

562
00:31:43,360 --> 00:31:46,760
Speaker 5: one hundred thousand dollars, here, the share of those who

563
00:31:46,800 --> 00:31:50,840
Speaker 5: lie goes up from two in five to half of

564
00:31:50,880 --> 00:31:52,960
Speaker 5: the people. So the more money you make, the more

565
00:31:53,280 --> 00:31:55,800
Speaker 5: you know, the more likely you are to lie about

566
00:31:55,880 --> 00:31:57,959
Speaker 5: the amount of debt you owe. As you know, the

567
00:31:57,960 --> 00:32:00,400
Speaker 5: more money people make, the more they spend. So just

568
00:32:00,480 --> 00:32:02,720
Speaker 5: the bigger the debt, Yeah, the bigger the shame.

569
00:32:03,000 --> 00:32:04,520
Speaker 1: I'm not going to lie about it. I am in

570
00:32:04,640 --> 00:32:06,280
Speaker 1: a lot of credit card debt right now because my

571
00:32:06,320 --> 00:32:09,840
Speaker 1: cat's been sick. I think that total on little Shelby

572
00:32:09,920 --> 00:32:11,360
Speaker 1: is up to thirty seven hundred dollars.

573
00:32:11,400 --> 00:32:11,520
Speaker 12: Right.

574
00:32:11,560 --> 00:32:12,480
Speaker 5: How is Shelby doing?

575
00:32:13,160 --> 00:32:15,120
Speaker 1: She's she's all right. We still don't know what's wrong

576
00:32:15,120 --> 00:32:19,000
Speaker 1: with her. So lucky to have you to love her.

577
00:32:19,760 --> 00:32:24,520
Speaker 1: Oh are you sweet? Okay, let's close on positive note,

578
00:32:24,520 --> 00:32:25,400
Speaker 1: and that is free food.

579
00:32:26,160 --> 00:32:30,000
Speaker 5: Yeah, Chipotle is offering free protein today, a free scoop

580
00:32:30,040 --> 00:32:33,080
Speaker 5: of extra protein to rewards members along with your bowl,

581
00:32:33,160 --> 00:32:37,120
Speaker 5: your burrito, or your salad. Chipotle is offering this free

582
00:32:37,160 --> 00:32:40,400
Speaker 5: double protein offer to highlight its new high protein menu

583
00:32:40,480 --> 00:32:42,760
Speaker 5: it unveiled last month, trying to get more foot traffic

584
00:32:42,800 --> 00:32:46,560
Speaker 5: and also this could be inspirational. It calls today one

585
00:32:46,560 --> 00:32:50,320
Speaker 5: of the most popular days of the year for working out,

586
00:32:50,960 --> 00:32:53,840
Speaker 5: So it's highlighting this healthy stuff, you know, on a

587
00:32:53,920 --> 00:32:56,240
Speaker 5: day that it thinks that people have getting healthy on

588
00:32:56,280 --> 00:32:58,680
Speaker 5: their mind. Of course, after they made their New Year's resolution.

589
00:32:58,800 --> 00:33:00,080
Speaker 5: Now they joined that new gym.

590
00:33:00,240 --> 00:33:01,920
Speaker 1: And all right, I think I'm going to head to

591
00:33:01,960 --> 00:33:03,840
Speaker 1: j Pote. I'm gonna skip the gym and just go

592
00:33:03,920 --> 00:33:06,520
Speaker 1: right to the chi. All right, get in your business

593
00:33:06,560 --> 00:33:09,680
Speaker 1: as we do every weekday with Bloomberg's, Didney's Pelgrinny Thanks Denise.

594
00:33:10,600 --> 00:33:10,840
Speaker 3: Show.

595
00:33:11,640 --> 00:33:15,520
Speaker 1: Data from ICE processed by a UC Berkeley Law School

596
00:33:15,600 --> 00:33:20,120
Speaker 1: initiative shows deportations in California were up sharply in twenty

597
00:33:20,160 --> 00:33:23,040
Speaker 1: twenty five. At least eighty two hundred and fifty people

598
00:33:23,080 --> 00:33:25,480
Speaker 1: were deported in the first nine months of the year.

599
00:33:25,760 --> 00:33:28,560
Speaker 1: From July through September, ICE was averaging more than fifteen

600
00:33:28,640 --> 00:33:32,600
Speaker 1: hundred deportations a month. LA County and City officials will

601
00:33:32,640 --> 00:33:36,240
Speaker 1: be spending millions of dollars to provide new carts for

602
00:33:36,360 --> 00:33:40,400
Speaker 1: almost three hundred sidewalk vendors to bring them in line

603
00:33:40,520 --> 00:33:44,000
Speaker 1: with the health codes. Applications for the new carts are

604
00:33:44,000 --> 00:33:48,120
Speaker 1: now being accepted with priority based on compliance, readiness, and

605
00:33:48,200 --> 00:33:51,800
Speaker 1: locations in high need areas. Public health officials are warning

606
00:33:51,800 --> 00:33:54,440
Speaker 1: people not to go in the water at several beaches

607
00:33:54,440 --> 00:33:57,880
Speaker 1: in La County. Inner Cabrio Beach and Sam Pedro's closed

608
00:33:57,880 --> 00:34:00,840
Speaker 1: because of a recent sewage spill. The water is up

609
00:34:00,840 --> 00:34:05,000
Speaker 1: above acceptable bacteria levels at the Redondo Beach Pier, Santa

610
00:34:05,040 --> 00:34:08,160
Speaker 1: Monica Piers, Santa Monica Canyon, Storm Drain at Will Rogers

611
00:34:08,239 --> 00:34:12,920
Speaker 1: State Park, and Escandido Creek at Malibu. And again, when

612
00:34:12,960 --> 00:34:14,160
Speaker 1: they want you to stay out of the water, there

613
00:34:14,160 --> 00:34:16,480
Speaker 1: will be signs up at the beaches. Let's say good

614
00:34:16,480 --> 00:34:19,279
Speaker 1: morning to the host of How to Money on KFI.

615
00:34:19,360 --> 00:34:20,759
Speaker 1: It's our friend Joel Larsgard.

616
00:34:20,800 --> 00:34:22,400
Speaker 3: Morning, Joel, morning Amy.

617
00:34:22,560 --> 00:34:25,799
Speaker 1: Okay, so the first subject we're going to talk about

618
00:34:25,800 --> 00:34:29,399
Speaker 1: today is credit card interest rates. And I just heard

619
00:34:29,400 --> 00:34:31,759
Speaker 1: about this that President Trump was talking about putting a

620
00:34:31,800 --> 00:34:34,799
Speaker 1: ten percent cap on credit cards. And you say, that's

621
00:34:34,840 --> 00:34:35,720
Speaker 1: not a great idea.

622
00:34:36,360 --> 00:34:36,880
Speaker 4: Yeah, it's not.

623
00:34:37,680 --> 00:34:40,600
Speaker 1: It sounds like a good idea, it does, doesn't. The

624
00:34:40,680 --> 00:34:43,160
Speaker 1: rates are stupid high right now. They're like twenty two

625
00:34:43,239 --> 00:34:44,400
Speaker 1: to twenty five percent.

626
00:34:45,000 --> 00:34:47,400
Speaker 17: Yeah, oh yeah, And that's been one of those things.

627
00:34:47,400 --> 00:34:50,680
Speaker 17: The post pandemic reality of rising interest rates means anybody

628
00:34:50,760 --> 00:34:54,120
Speaker 17: with credit card debt has seen that interst rate rise.

629
00:34:54,640 --> 00:34:59,040
Speaker 17: And if you have a recurring balance, you're you're talking

630
00:34:59,080 --> 00:35:03,200
Speaker 17: about paying more money every month. That's just going towards interest,

631
00:35:03,280 --> 00:35:05,239
Speaker 17: it's not paying down the balance. And that's a really

632
00:35:05,280 --> 00:35:08,160
Speaker 17: frustrating place to be. And the truth is, yeah, like

633
00:35:08,280 --> 00:35:11,920
Speaker 17: an interest rate reduction for those folks from something like

634
00:35:11,920 --> 00:35:14,640
Speaker 17: twenty four to twenty five percent down to ten percent

635
00:35:14,760 --> 00:35:18,200
Speaker 17: could be could make a massive difference. We're talking about

636
00:35:18,480 --> 00:35:21,160
Speaker 17: lowering your minimum monthly payment. We're talking about the ability

637
00:35:21,239 --> 00:35:24,600
Speaker 17: to make more progress on that credit card debt. And

638
00:35:24,680 --> 00:35:28,440
Speaker 17: so for those people for a time, because this is

639
00:35:28,520 --> 00:35:30,799
Speaker 17: supposedly it's proposed, I mean, this is a legislation by

640
00:35:30,800 --> 00:35:32,480
Speaker 17: truth Social So will this happen?

641
00:35:32,520 --> 00:35:34,279
Speaker 3: How will this happen? That's the big that's the big

642
00:35:34,360 --> 00:35:34,839
Speaker 3: question too.

643
00:35:34,920 --> 00:35:39,720
Speaker 17: But yeah, those people would see a benefit and something

644
00:35:39,800 --> 00:35:42,960
Speaker 17: like one hundred billion dollars less a year will be

645
00:35:43,000 --> 00:35:47,239
Speaker 17: paid in credit card interest. But there are always trade

646
00:35:47,239 --> 00:35:50,080
Speaker 17: offs to any sort of legislation or any any sort

647
00:35:50,080 --> 00:35:53,440
Speaker 17: of proposal like this, and some of them aren't bad.

648
00:35:53,560 --> 00:35:55,680
Speaker 17: Like I think one of the things that a lot

649
00:35:55,680 --> 00:35:58,879
Speaker 17: of people, myself included, would be harmed by is credit

650
00:35:58,960 --> 00:35:59,960
Speaker 17: card rewards would.

651
00:35:59,760 --> 00:36:00,600
Speaker 3: Become more meager.

652
00:36:00,640 --> 00:36:03,840
Speaker 17: That's definitely one of the things because credit card at banks,

653
00:36:03,880 --> 00:36:05,600
Speaker 17: the banks who issue the credit cards aren't going to

654
00:36:05,640 --> 00:36:07,839
Speaker 17: be like, oh, well, you know what, we're making far

655
00:36:07,920 --> 00:36:10,000
Speaker 17: less money in interest. I guess we'll just take it

656
00:36:10,040 --> 00:36:11,920
Speaker 17: on the chin. They're going to find other ways to

657
00:36:11,960 --> 00:36:15,440
Speaker 17: reduce the payouts on credit cards to companies or to

658
00:36:15,719 --> 00:36:18,279
Speaker 17: customers who have been loyal. I don't mind that, because

659
00:36:18,360 --> 00:36:20,920
Speaker 17: right now there's a big disparity the haves and the

660
00:36:20,960 --> 00:36:23,880
Speaker 17: haves nots in the credit card game. I wouldn't be

661
00:36:23,920 --> 00:36:26,879
Speaker 17: mad about that. I think maybe the most harmful part

662
00:36:26,880 --> 00:36:29,759
Speaker 17: of this proposal, though, is it can actually harm the

663
00:36:29,800 --> 00:36:31,200
Speaker 17: people that it's seeking to help.

664
00:36:31,360 --> 00:36:33,720
Speaker 3: So when you think about people with.

665
00:36:34,120 --> 00:36:38,080
Speaker 17: Bad credit scores who need access, let's say, to credit cards,

666
00:36:38,400 --> 00:36:41,560
Speaker 17: they might find that they are with a credit card

667
00:36:41,640 --> 00:36:45,920
Speaker 17: interest rate cap of ten percent, completely barred from getting

668
00:36:45,960 --> 00:36:49,279
Speaker 17: credit cards. Because the bank says, well, yeah, we'd be

669
00:36:49,320 --> 00:36:51,719
Speaker 17: willing to take the risk at a potential interustrate of

670
00:36:51,760 --> 00:36:54,120
Speaker 17: twenty percent, but not at a potential interest rate of

671
00:36:54,160 --> 00:36:54,640
Speaker 17: ten percent.

672
00:36:55,080 --> 00:36:56,560
Speaker 1: And do we know if there's any kind of well,

673
00:36:56,600 --> 00:36:59,200
Speaker 1: we don't, like you said, he made the statement on

674
00:36:59,200 --> 00:37:01,640
Speaker 1: true social and put the fine print on there. But

675
00:37:01,719 --> 00:37:03,680
Speaker 1: maybe there will be protections.

676
00:37:04,040 --> 00:37:05,920
Speaker 17: And maybe and maybe, I mean, like that's the question,

677
00:37:06,000 --> 00:37:07,640
Speaker 17: Like the devil's in the details, right, and so like,

678
00:37:08,440 --> 00:37:09,680
Speaker 17: how does this come about?

679
00:37:09,719 --> 00:37:10,840
Speaker 3: Does this through a piece of.

680
00:37:10,880 --> 00:37:15,320
Speaker 17: Legislation through Congress or and yeah, what do the details

681
00:37:15,400 --> 00:37:18,880
Speaker 17: look like? Is this a temporary reprieve and the government

682
00:37:19,040 --> 00:37:21,279
Speaker 17: is funneling money to the banks to make up for

683
00:37:21,520 --> 00:37:24,319
Speaker 17: the lost revenue. I mean, there's so many details that

684
00:37:24,360 --> 00:37:26,960
Speaker 17: we don't know about. But if you're just talking about

685
00:37:27,360 --> 00:37:29,920
Speaker 17: some sort of federal mandate to cap interest rates on

686
00:37:29,960 --> 00:37:34,560
Speaker 17: credit cards, it's it's we're just seeing more government involvement

687
00:37:34,680 --> 00:37:37,399
Speaker 17: in some places where it just doesn't belong or it's

688
00:37:37,400 --> 00:37:39,719
Speaker 17: not beneficial. And I get too A lot of people

689
00:37:39,719 --> 00:37:42,960
Speaker 17: would be like, hey, this feels like a predatory system,

690
00:37:43,040 --> 00:37:44,800
Speaker 17: or it feels like there's so many people in credit

691
00:37:44,800 --> 00:37:46,880
Speaker 17: card debt and they can't they can't get out of it.

692
00:37:46,880 --> 00:37:49,080
Speaker 17: They're having a really tough time. I will say there

693
00:37:49,120 --> 00:37:51,319
Speaker 17: are places for you to turn if you're in one.

694
00:37:51,600 --> 00:37:54,879
Speaker 17: You're in a position like that, there are nonprofits out there.

695
00:37:55,000 --> 00:37:56,279
Speaker 3: There are for profit companies too.

696
00:37:56,280 --> 00:37:58,400
Speaker 17: You want to avoid those, but there are nonprofit companies

697
00:37:58,440 --> 00:38:00,239
Speaker 17: out there who will help you, who will work with

698
00:38:00,320 --> 00:38:02,600
Speaker 17: the banks to help you lower your interest rates. So

699
00:38:02,719 --> 00:38:06,200
Speaker 17: like Money Management International or the National Foundation for Credit Counseling.

700
00:38:06,200 --> 00:38:08,200
Speaker 17: Those are two places you can turn and you can

701
00:38:08,280 --> 00:38:13,239
Speaker 17: actually get help. But I don't love necessarily this sort

702
00:38:13,280 --> 00:38:15,560
Speaker 17: of proposal. I don't know that it's going to pan

703
00:38:15,640 --> 00:38:18,040
Speaker 17: out the way the President or maybe people in his

704
00:38:18,160 --> 00:38:18,879
Speaker 17: orbit think it will.

705
00:38:19,080 --> 00:38:21,000
Speaker 1: Okay, No, I have a question about a credit card

706
00:38:21,000 --> 00:38:22,839
Speaker 1: for you, because I was just talking about that. I've

707
00:38:22,880 --> 00:38:25,760
Speaker 1: got a sick cat, and so I've got this stupid

708
00:38:26,160 --> 00:38:30,319
Speaker 1: huge balance that i can't pay off this month. So

709
00:38:30,560 --> 00:38:32,319
Speaker 1: I need a plan because I've been trying to be

710
00:38:32,400 --> 00:38:35,440
Speaker 1: really good and pay off every month, but I'm not

711
00:38:35,480 --> 00:38:37,000
Speaker 1: going to do it this month, and so now I'm

712
00:38:37,000 --> 00:38:40,000
Speaker 1: going to get charge that credit the interest rate and

713
00:38:40,000 --> 00:38:41,319
Speaker 1: there's nothing you can do about it.

714
00:38:41,840 --> 00:38:44,279
Speaker 17: Yeah, well, so that's the whole I love that you

715
00:38:44,320 --> 00:38:46,960
Speaker 17: said I need a plan, and the truth is, it

716
00:38:47,000 --> 00:38:49,720
Speaker 17: happens right. This is why the emergency fund is so crucial.

717
00:38:49,760 --> 00:38:52,840
Speaker 17: And we start with the essentially thirty five hundred dollars

718
00:38:53,160 --> 00:38:55,240
Speaker 17: emergency fund that covers all the basics, and then growing

719
00:38:55,239 --> 00:38:57,839
Speaker 17: it from there to something like three, maybe even six

720
00:38:57,880 --> 00:39:01,400
Speaker 17: months worth of monthly expenses in your savings accounts so

721
00:39:01,400 --> 00:39:03,040
Speaker 17: that you can handle something like that and then build

722
00:39:03,080 --> 00:39:04,960
Speaker 17: it back up after the fact. But until you get

723
00:39:05,000 --> 00:39:06,799
Speaker 17: to that point, yeah, you might need to put it

724
00:39:06,840 --> 00:39:08,759
Speaker 17: on a credit card sadly.

725
00:39:08,480 --> 00:39:10,399
Speaker 3: And not be able to pay it off in full

726
00:39:10,520 --> 00:39:11,160
Speaker 3: in that moment.

727
00:39:11,200 --> 00:39:13,440
Speaker 17: And it is crucial I would say to even consider

728
00:39:13,600 --> 00:39:14,920
Speaker 17: you and I have talked about this before. I mean

729
00:39:14,960 --> 00:39:17,480
Speaker 17: the bare bones budget, dialing back spending in other areas

730
00:39:17,480 --> 00:39:19,480
Speaker 17: at least for a time being, because credit card debt

731
00:39:19,520 --> 00:39:21,719
Speaker 17: is so painful and you do not want it to

732
00:39:21,760 --> 00:39:24,799
Speaker 17: turn into a recurring cycle. So creating coming up with

733
00:39:24,840 --> 00:39:26,880
Speaker 17: a plan. There are tools out there on the internet

734
00:39:26,920 --> 00:39:28,839
Speaker 17: that can even help you with that to make sure

735
00:39:28,840 --> 00:39:30,880
Speaker 17: that that credit card debt is eliminated soon. You just

736
00:39:30,880 --> 00:39:33,520
Speaker 17: don't want to become accustomed to it, to become okay

737
00:39:33,560 --> 00:39:36,680
Speaker 17: with it, because when you do that that's when your

738
00:39:36,680 --> 00:39:40,320
Speaker 17: finances can really spiral because credit card debt is such

739
00:39:40,600 --> 00:39:42,040
Speaker 17: a pain point for so many people.

740
00:39:42,080 --> 00:39:44,360
Speaker 3: It's awful and it needs to be avoided at all costs.

741
00:39:44,560 --> 00:39:46,799
Speaker 1: Yeah, and then I even looked at this statement. Well,

742
00:39:46,800 --> 00:39:48,439
Speaker 1: of course I look to the statement, but it says,

743
00:39:48,440 --> 00:39:50,760
Speaker 1: you know, the minimum payment due is forty five dollars.

744
00:39:50,760 --> 00:39:54,080
Speaker 1: I'm like, yeah, I've got like five thousand dollars on

745
00:39:54,080 --> 00:39:57,360
Speaker 1: that credit card right now, and that they even allow

746
00:39:57,560 --> 00:39:59,560
Speaker 1: a forty five dollars payment. I was like, I would

747
00:39:59,640 --> 00:40:03,000
Speaker 1: just actually forever be in debt if I didn't pay

748
00:40:03,040 --> 00:40:03,359
Speaker 1: that off.

749
00:40:03,360 --> 00:40:05,120
Speaker 17: It's crazy if you run when you look at them,

750
00:40:05,160 --> 00:40:07,680
Speaker 17: I mean, on that statement, it will also tell you, right,

751
00:40:07,719 --> 00:40:09,960
Speaker 17: if you pay the minimum, this is how many years

752
00:40:10,040 --> 00:40:11,600
Speaker 17: you'll remain in debt.

753
00:40:11,719 --> 00:40:14,719
Speaker 3: And for most people it's decades.

754
00:40:14,960 --> 00:40:17,319
Speaker 17: Right, Even for like a five thousand dollars balance, it's like, oh,

755
00:40:17,360 --> 00:40:18,920
Speaker 17: forty five dollars a month. Oh, I guess I'll be

756
00:40:18,920 --> 00:40:21,160
Speaker 17: in debt for the next twenty two years. And that

757
00:40:21,320 --> 00:40:24,920
Speaker 17: idea of having that hanging over your head, that paying

758
00:40:24,920 --> 00:40:28,400
Speaker 17: the minimums is just completely insufficient unless you're doing something

759
00:40:28,480 --> 00:40:32,000
Speaker 17: like the debt snowball approach right where you're paying down

760
00:40:32,120 --> 00:40:35,759
Speaker 17: one debt vociferously with all your effort, all your might,

761
00:40:35,880 --> 00:40:38,239
Speaker 17: and then on the other debts, you're paying the minimums yes,

762
00:40:38,280 --> 00:40:40,440
Speaker 17: for a little bit of time, until you eliminate that

763
00:40:40,440 --> 00:40:42,120
Speaker 17: one debt, and then you move on to the next one.

764
00:40:42,280 --> 00:40:45,000
Speaker 1: But you want to everything on the next one. Yeah, exactly,

765
00:40:45,520 --> 00:40:48,840
Speaker 1: all right, But such great advice as always, And we

766
00:40:48,880 --> 00:40:51,000
Speaker 1: didn't get to our other topics, but we can save

767
00:40:51,040 --> 00:40:52,560
Speaker 1: them for another day because I want to talk to

768
00:40:52,640 --> 00:40:54,279
Speaker 1: you about those things too, because we were going to

769
00:40:54,320 --> 00:40:57,680
Speaker 1: talk about why kids are going with debit cards instead

770
00:40:57,680 --> 00:41:00,480
Speaker 1: of credit cards. And again, sounds like a good idea

771
00:41:00,680 --> 00:41:03,880
Speaker 1: because then they're not actually accumulating debt, they're using the

772
00:41:03,880 --> 00:41:07,759
Speaker 1: money they have. But there's the downside to it too,

773
00:41:07,760 --> 00:41:09,239
Speaker 1: and so let's talk about that next week.

774
00:41:09,600 --> 00:41:10,760
Speaker 4: Sounds good, awesome.

775
00:41:11,239 --> 00:41:13,480
Speaker 1: The host of how to Money on KFI Joel Larsgard,

776
00:41:13,520 --> 00:41:15,960
Speaker 1: and for more great financial advice, you can listen to

777
00:41:16,000 --> 00:41:18,040
Speaker 1: them every Sunday from noon to two. It's called how

778
00:41:18,080 --> 00:41:19,360
Speaker 1: to Money right here on KFI.

779
00:41:19,360 --> 00:41:20,920
Speaker 3: Thanks Joel, Thanks Amy.

780
00:41:20,960 --> 00:41:23,239
Speaker 1: All right, here's some more stories coming out of the

781
00:41:23,280 --> 00:41:26,560
Speaker 1: KFI twenty four our newsroom, two story commercial building has

782
00:41:26,600 --> 00:41:29,480
Speaker 1: been burning in Winnetka. The La City Fire Department has

783
00:41:29,520 --> 00:41:32,880
Speaker 1: declared it a major emergency. The building is on Sherman

784
00:41:32,960 --> 00:41:36,560
Speaker 1: Way near Winnetka Avenue. It's not clear if the building

785
00:41:36,640 --> 00:41:39,800
Speaker 1: is vacant. Heavy fire could be seen from the second floor.

786
00:41:40,440 --> 00:41:42,759
Speaker 1: Your car insurance is about to cost you more. For

787
00:41:42,840 --> 00:41:46,040
Speaker 1: twenty twenty six, rights across the state are up about

788
00:41:46,080 --> 00:41:49,440
Speaker 1: six percent on average, far above the national average increase

789
00:41:49,600 --> 00:41:52,480
Speaker 1: of less than one percent. The state wide average monthly

790
00:41:52,520 --> 00:41:55,680
Speaker 1: bill for car insurance is about two hundred and eleven dollars.

791
00:41:56,239 --> 00:42:00,000
Speaker 1: Drivers in southern California pay more than fifty seven percent

792
00:42:00,040 --> 00:42:02,440
Speaker 1: sent more for insurance than drivers in other parts of

793
00:42:02,440 --> 00:42:05,040
Speaker 1: the state. A thirty two year old man with a

794
00:42:05,080 --> 00:42:08,240
Speaker 1: long history of domestic violence has been charged with killing

795
00:42:08,320 --> 00:42:11,439
Speaker 1: a woman in Garden Grove. The woman's body was found

796
00:42:11,480 --> 00:42:14,239
Speaker 1: in her apartment last week. Police say she had a

797
00:42:14,280 --> 00:42:17,719
Speaker 1: restraining order against the man, who had previously admitted that

798
00:42:17,800 --> 00:42:20,680
Speaker 1: he had punched his wife and violated a protective order.

799
00:42:21,560 --> 00:42:24,600
Speaker 1: Kids in the La School District are skipping class because

800
00:42:24,640 --> 00:42:25,840
Speaker 1: of immigration fears.

801
00:42:26,120 --> 00:42:29,880
Speaker 7: LAUSD Superintendent Alberto Carvallo says attendance is down.

802
00:42:30,040 --> 00:42:33,279
Speaker 14: During the first semester, we saw across our community immigration

803
00:42:34,120 --> 00:42:37,280
Speaker 14: raids that have creative fear.

804
00:42:37,520 --> 00:42:40,239
Speaker 7: Carvallo says he will not allow law enforcement to walk

805
00:42:40,239 --> 00:42:42,920
Speaker 7: into any school and take any kind of action against

806
00:42:42,960 --> 00:42:46,000
Speaker 7: a student, parent, or employee without assigned warrant.

807
00:42:46,120 --> 00:42:48,640
Speaker 1: We reject the climate of fear.

808
00:42:48,920 --> 00:42:52,480
Speaker 7: LAUSD employees have recently received training on how to deal

809
00:42:52,520 --> 00:42:55,680
Speaker 7: with ICE agents if they show up on campus. Jason

810
00:42:55,760 --> 00:42:58,680
Speaker 7: Campedonia KFI News and.

811
00:42:58,640 --> 00:43:02,240
Speaker 1: After months of delays, Apple says its next generation Siri

812
00:43:03,120 --> 00:43:05,239
Speaker 1: is coming, and it's going to get a little help

813
00:43:05,239 --> 00:43:08,200
Speaker 1: from Google. ABC's Mike Debuski says Apple first announced it's

814
00:43:08,280 --> 00:43:10,920
Speaker 1: new smarter Siri back in early twenty twenty.

815
00:43:10,680 --> 00:43:13,319
Speaker 17: Four, saying that with the help of Generative AI, the

816
00:43:13,400 --> 00:43:16,000
Speaker 17: voice assistant will be easier to talk to and have

817
00:43:16,080 --> 00:43:19,680
Speaker 17: more capabilities, but last March, Apple delayed the new SII.

818
00:43:21,000 --> 00:43:23,960
Speaker 1: Apple is also going to have access to Google's cloud

819
00:43:24,000 --> 00:43:26,520
Speaker 1: technology as part of the deal. I hope it helps

820
00:43:26,560 --> 00:43:28,680
Speaker 1: because me and Siri we don't get along.

821
00:43:28,719 --> 00:43:29,400
Speaker 3: We don't get along.

822
00:43:29,520 --> 00:43:31,759
Speaker 1: No, she and I do not communicate. Well, it's the

823
00:43:31,760 --> 00:43:32,319
Speaker 1: weirdest thing.

824
00:43:32,400 --> 00:43:34,640
Speaker 3: She's jealous of your Way's voice.

825
00:43:34,920 --> 00:43:38,040
Speaker 1: But it is yes, ye okay. This is KFI and

826
00:43:38,160 --> 00:43:42,280
Speaker 1: KOSTHD two Los Angeles Orange County live from the KFI

827
00:43:42,360 --> 00:43:45,920
Speaker 1: twenty four hour Newsroom. I'm Amy King, and this has

828
00:43:46,000 --> 00:43:47,640
Speaker 1: been your wake up call. If you missed any wake

829
00:43:47,719 --> 00:43:49,319
Speaker 1: up Call, you can listen any time. Maybe you want

830
00:43:49,320 --> 00:43:52,759
Speaker 1: to go and re listen to Joel's great advice and

831
00:43:52,800 --> 00:43:55,640
Speaker 1: tips about paying off credit cards and what to do

832
00:43:55,719 --> 00:43:59,120
Speaker 1: if you can't, You can listen anytime on the iHeartRadio

833
00:43:59,120 --> 00:44:02,239
Speaker 1: app listening to wake Up Call with me Amy King.

834
00:44:02,480 --> 00:44:04,719
Speaker 1: You can always hear wake Up Call five to six

835
00:44:04,760 --> 00:44:07,840
Speaker 1: am Monday through Friday on kf I Am six forty

836
00:44:08,000 --> 00:44:11,360
Speaker 1: and anytime on demand on the iHeartRadio app.