WEBVTT - 10-14-25 Scott Sloan Show 0:00:00.080 --> 0:00:04.000 Do you want to be an Americanadio Scott's longshoe back 0:00:04.040 --> 0:00:07.840 on seven hundred WLW fun fat. Here's a fun fact 0:00:07.840 --> 0:00:10.600 to start your busy day. The amount of money that 0:00:10.640 --> 0:00:13.880 we spend on healthcare in the United States has tripled 0:00:15.080 --> 0:00:17.760 since two thousand, So in less than a quarter century, 0:00:17.840 --> 0:00:20.560 less than twenty five years, the amount of money we 0:00:20.600 --> 0:00:23.520 spend on healthcare has tripled. So one point four trillion 0:00:23.560 --> 0:00:27.600 to five trillion, pretty close to triple, right. More than 0:00:27.640 --> 0:00:30.000 third of Ohio and struggled play her medical bills last month. 0:00:30.000 --> 0:00:31.560 The city of Cincinnati, and this is kind of like 0:00:31.600 --> 0:00:34.560 a side eye to Aftab who's running for mayor. So yeah, 0:00:35.080 --> 0:00:37.000 that's probably why. But gave a million and a half 0:00:37.080 --> 0:00:39.600 to nonprofit that buys medical debt from hospitals. That wiped 0:00:39.640 --> 0:00:41.680 out some two hundred and twenty million dollars in debt 0:00:41.720 --> 0:00:45.160 for about twelve thousand Cincinnati. So next up, though, state wide, 0:00:45.200 --> 0:00:49.159 is Ohio's Medical Debt Fairness Act. What is that? Well, 0:00:49.159 --> 0:00:52.040 Ohio Representative Michelle Grimm out of Toledo, out of the 0:00:52.040 --> 0:00:54.319 Glass cities here, she has a sponsor of House Bill 0:00:54.360 --> 0:00:55.880 two fifty seven. Michelle, how are you? 0:00:57.160 --> 0:00:58.240 I'm great? How are you, Scott. 0:00:58.280 --> 0:00:59.920 I'm doing fine. All is well in the Glass City, 0:01:00.040 --> 0:01:02.600 I presume, yeah, all as well? 0:01:02.680 --> 0:01:03.080 All right? 0:01:03.240 --> 0:01:05.360 I had I think Gary Jeff Walker, one of our 0:01:05.400 --> 0:01:07.479 guys at work here, was driving through Toledo, was thinking 0:01:07.480 --> 0:01:09.600 to me, said I stopped and had a Pacos honky dog. 0:01:09.640 --> 0:01:11.880 And let me tell you something, if you're passing through 0:01:11.920 --> 0:01:14.800 child to stop at Tony Paco's and get some chili, 0:01:14.880 --> 0:01:18.360 get a honky dog. Much different than Cincinnati style, but pleasing. 0:01:18.360 --> 0:01:21.959 None the loss. All right, So medical debt has I 0:01:21.959 --> 0:01:23.840 think it's still the leading source and has been for 0:01:23.840 --> 0:01:25.959 a while, leading source on paid bills and credit reports 0:01:26.880 --> 0:01:29.320 for a long time now in medical debt's like sixty 0:01:29.440 --> 0:01:33.440 percent of consumer debt on credit reports, which is incredible. 0:01:33.800 --> 0:01:35.960 So that those that's the rail that we're facing here. 0:01:36.000 --> 0:01:38.000 So what does House Bill two fifty seven do? What's 0:01:38.000 --> 0:01:38.640 your proposal to do? 0:01:39.760 --> 0:01:40.080 Sure? 0:01:40.480 --> 0:01:45.200 So, how still two fifty seven would do three key things. 0:01:45.319 --> 0:01:54.440 It would prohibit hospitals debt collectors from reporting on credit reports, 0:01:54.480 --> 0:01:59.120 It would ban wage gurnishment, and it would tap interest 0:01:59.680 --> 0:02:03.200 of medical debt ode to three percent because right now 0:02:03.240 --> 0:02:08.639 we have a statutory eight percent interest, So that would 0:02:08.639 --> 0:02:09.680 cap that at three percent. 0:02:10.560 --> 0:02:13.520 Okay, so let's start with a three percent medical to 0:02:13.560 --> 0:02:16.080 The interest that you would pay right now on any 0:02:16.080 --> 0:02:19.799 medical bill is certainly higher than three percent, and that 0:02:19.880 --> 0:02:22.840 keeps up with inflation presumably tied to maybe tied to 0:02:22.880 --> 0:02:25.200 inflation here, but typically how much of that debt? Are 0:02:25.240 --> 0:02:26.680 we talking about? How much should people just pay an 0:02:26.680 --> 0:02:27.880 interest on the medical debt now? 0:02:29.120 --> 0:02:31.320 So I you know, I think that's hard to gauge, 0:02:31.360 --> 0:02:34.520 but I would say that the average person has about 0:02:35.120 --> 0:02:37.360 the average person who has medical debt has about twelve 0:02:37.480 --> 0:02:43.880 hundred dollars and while we don't report under five hundred 0:02:43.919 --> 0:02:52.120 dollars and credit reports right now, that's taking away about 0:02:52.160 --> 0:02:55.160 the majority of people who have medical. 0:02:54.800 --> 0:02:56.120 Debt and. 0:02:58.040 --> 0:03:03.160 Not giving them a chance to repair their credit or 0:03:03.639 --> 0:03:07.840 purchase a home or even get a job, because credit 0:03:07.880 --> 0:03:14.960 reports are they continder people getting a job or getting 0:03:15.000 --> 0:03:17.960 an apartment or getting a mortgage. So so that that 0:03:18.040 --> 0:03:19.600 leaves a lot of people out well. 0:03:19.480 --> 0:03:22.120 Getting getting getting insurance for that metal like car insurance 0:03:22.120 --> 0:03:23.919 for example. Everybody pulls your credit. 0:03:23.720 --> 0:03:28.640 Report now, yeah, for sure, And so our bill would 0:03:29.800 --> 0:03:32.760 prohibit any type of credit reporting and medical. 0:03:32.520 --> 0:03:36.080 Debt all right, So on that one of the one 0:03:36.120 --> 0:03:38.280 of the complaints you hear from the debt collection industry, 0:03:38.280 --> 0:03:40.080 which I can't imagine a lot of people signing with 0:03:40.080 --> 0:03:42.640 the debt collection industry, but it says, hey, listen, you're 0:03:42.720 --> 0:03:46.200 essentially encouraging people to be dead beats. Basically, what they're 0:03:46.240 --> 0:03:50.720 saying is that if you take a conscious consequence away 0:03:50.760 --> 0:03:53.040 from people for non payment, that's going to lead the 0:03:53.080 --> 0:03:55.440 higher healthcare costs for everyone because people look at it going, well, 0:03:55.480 --> 0:03:57.120 I don't have to pay if the government's going to 0:03:57.240 --> 0:04:00.640 and you know, there's a moral hazard there to and 0:04:00.680 --> 0:04:02.720 that's that's the problem with universal healthcare is you know, 0:04:02.880 --> 0:04:05.160 well people just simply go to the emergency. If I 0:04:05.160 --> 0:04:07.000 don't have to pay for it, I'll overuse it. That's 0:04:07.000 --> 0:04:08.160 a theory. 0:04:08.720 --> 0:04:12.680 So you would still have to pay your bills, of course, 0:04:13.560 --> 0:04:15.920 because it would just not be on your credit report. 0:04:16.680 --> 0:04:20.440 But I would also argue that there's been studies that 0:04:20.520 --> 0:04:25.480 said medical debt is a poor indicator of paying other 0:04:25.640 --> 0:04:30.240 types of credit. So if you had credit cards, or 0:04:30.440 --> 0:04:35.080 paying your mortgage, or paying your light bill, your electric bill, 0:04:35.640 --> 0:04:38.160 but if you have medical debt, that's a poor indicator 0:04:38.240 --> 0:04:40.400 whether you're going to pay other debts back and people, 0:04:40.480 --> 0:04:43.200 do you want to pay off their medical bills? Medical 0:04:43.200 --> 0:04:49.159 bills can be medical debt can be embarrassing, but it's 0:04:49.160 --> 0:04:54.479 not their fault. It's really a fault of a broken system. 0:04:54.600 --> 0:04:57.360 It's not a debt of luxury. It is a debt 0:04:57.360 --> 0:05:00.440 of necessity. So that's what I would argu you back, 0:05:00.560 --> 0:05:03.159 is that people people do want to pay their bills back, 0:05:03.279 --> 0:05:09.280 and putting these predatory practices in place hinders a lot 0:05:09.279 --> 0:05:10.360 of people from doing that. 0:05:11.080 --> 0:05:13.400 In that regard, Michelle Grim, is there a means test 0:05:13.520 --> 0:05:15.920 or income requirement? I mean, you know, it sounds all 0:05:15.960 --> 0:05:17.640 long good that people do want to pay their debts off, 0:05:17.640 --> 0:05:20.920 generally speaking, But how do we separate people who generally 0:05:20.920 --> 0:05:23.280 can't afford to pay versus those who simply say I'm 0:05:23.320 --> 0:05:25.080 not going to pay or choose not to pay. 0:05:25.200 --> 0:05:29.800 So I think that there when you look at the studies, 0:05:29.920 --> 0:05:34.080 it's a lot of people who cannot afford to pay, 0:05:34.160 --> 0:05:36.240 a lot of people do want to pay their bills, 0:05:36.279 --> 0:05:41.400 but they simply can't afford it. They're they're choosing between 0:05:42.040 --> 0:05:46.440 putting food on the table, or paying their their electric bill, 0:05:46.600 --> 0:05:48.960 or paying their mortgage, or paying their medical debt off. 0:05:49.960 --> 0:05:54.400 So it's it is a lot of people who don't 0:05:54.480 --> 0:05:56.719 have any savings or anything like that. 0:05:57.080 --> 0:05:58.000 A lot of people. 0:05:57.800 --> 0:06:02.720 Don't have a thousand dollars for urgency, and that's why 0:06:02.760 --> 0:06:05.440 we're putting people in a bind with medical debt. But 0:06:05.520 --> 0:06:08.080 we want to help people with House boold to fifty seven. 0:06:08.600 --> 0:06:11.600 Yeah, this is Michelle Grimm. She's out of Toledo House 0:06:11.680 --> 0:06:14.240 Bill two fifty seven. She's go sponsoring this one to 0:06:14.240 --> 0:06:17.040 help people with medical debt because one in three Ohio 0:06:17.040 --> 0:06:20.000 WANs carries some sort of medical debts and number one 0:06:20.000 --> 0:06:22.040 cause of bankrow. I think we're the top two costs 0:06:22.040 --> 0:06:25.360 of bankruptcy in the United States, but one drives the other. 0:06:25.440 --> 0:06:27.799 Job lessess so would be number one, and health insurance 0:06:28.440 --> 0:06:30.440 bankruptcy is another one. And I think those two go 0:06:30.480 --> 0:06:32.120 hand in hand because for a lot of people, their 0:06:32.200 --> 0:06:34.560 jobs and healthcare are tied together, which is part of 0:06:34.600 --> 0:06:37.600 the problem. This would limit medical interest to what you say, 0:06:37.600 --> 0:06:40.520 three percent a year. You can't guard someone's wages for 0:06:40.640 --> 0:06:45.080 medical debt collection, and hospitals and providers can't report medical 0:06:45.160 --> 0:06:47.599 debt to credit agencies right now, and I think in 0:06:47.600 --> 0:06:49.320 the last few years were reformed it used to be. 0:06:49.360 --> 0:06:53.039 I believe Michelle unpaid medical bills were kicked over to 0:06:53.080 --> 0:06:55.640 credit reporting agencies after like sixty or one hundred and 0:06:55.640 --> 0:06:57.960 twenty days, and now it's a full year. 0:06:58.000 --> 0:06:59.800 Correct, correct? 0:07:00.120 --> 0:07:02.400 Yeah, So, I mean even the credit industry has said, hey, 0:07:02.480 --> 0:07:04.560 you know, we've got to we've got to we've got 0:07:04.600 --> 0:07:06.120 to ease back a little bit here, man, after a 0:07:06.160 --> 0:07:08.240 full year. Now does that mean that people aren't making 0:07:08.240 --> 0:07:10.720 any payments whatsoever? If you pay a little bit of money, 0:07:10.760 --> 0:07:14.080 does that keep you from being reported to credit agencies? 0:07:14.080 --> 0:07:15.760 How does that work? Or is that what this what 0:07:15.800 --> 0:07:17.080 two fifty seven seeks to do. 0:07:18.200 --> 0:07:21.720 So I think it depends. I think typically I think 0:07:21.760 --> 0:07:25.080 if you're making payments that it would not be reported. 0:07:25.760 --> 0:07:29.480 But I think in some instances you will see reports that, 0:07:29.560 --> 0:07:33.440 like people are making payments or maybe they fell behind, 0:07:33.760 --> 0:07:36.240 so and you know what I was talking about before, 0:07:36.400 --> 0:07:39.560 they maybe sell behind one or two months and then 0:07:39.720 --> 0:07:44.120 it gets reported on the credit report. So you know, 0:07:44.240 --> 0:07:48.080 the system isn't really fair for consumers, and we want 0:07:48.120 --> 0:07:51.720 to make it a little fair for people to get ahead, 0:07:52.720 --> 0:07:57.280 for people to have a fighting chance. So you know, 0:07:57.560 --> 0:08:02.040 I think that a lot of the arguments against this 0:08:02.240 --> 0:08:07.880 too is we around wage garnishments. I do want your 0:08:07.960 --> 0:08:13.360 listeners to look up this article from Signal, Ohio about 0:08:13.400 --> 0:08:17.200 a rural hospital of Logan County who has who has 0:08:17.240 --> 0:08:23.520 sued twenty seven hundred patients in the last two years. Yeah, 0:08:23.560 --> 0:08:27.560 and a lot of their a lot of the judgments 0:08:27.600 --> 0:08:31.640 in court were wage garnishments. So people are paying up 0:08:31.640 --> 0:08:35.680 to twenty five percent of their They're getting up to 0:08:35.720 --> 0:08:40.959 twenty five percent of their checks garnished their payroll checks, 0:08:41.559 --> 0:08:43.360 plus they're paying that eight percent interest. 0:08:44.200 --> 0:08:45.640 So that's that's pretty cool. 0:08:45.679 --> 0:08:48.079 I think most people listening. Wow, Okay, I'm not quite sure. 0:08:48.080 --> 0:08:49.599 I want to stay down out medical bills. At the 0:08:49.640 --> 0:08:51.600 same time, like, how am I supposed to live if 0:08:51.600 --> 0:08:54.960 i'm That's almost like child support? Right In child support, 0:08:54.960 --> 0:08:56.720 you had a conscious should have a child, and you 0:08:56.760 --> 0:08:58.920 provide for your child. That's a different matter than Hey, 0:08:59.000 --> 0:09:01.520 I just got sick, and maybe I got sick because 0:09:01.559 --> 0:09:03.840 it's something at work or I fail or something along 0:09:03.840 --> 0:09:06.960 the way. It happens all of us at some point 0:09:07.040 --> 0:09:09.480 or another. And now that we're taking a quarter of 0:09:09.520 --> 0:09:11.760 your wages, that seems confiscate. How can you live on 0:09:11.800 --> 0:09:12.960 the other seventy five percent? 0:09:14.000 --> 0:09:16.000 And I go back to what you just said. So 0:09:16.040 --> 0:09:19.599 we're not again, we're not suggesting that the state is 0:09:19.640 --> 0:09:22.640 paying medical bills. We're just saying we're going to have 0:09:22.720 --> 0:09:29.360 these parameters of credit reports, wage garnership, and interest rate. 0:09:29.640 --> 0:09:31.080 So I just wanted to kind of. 0:09:31.240 --> 0:09:32.240 Yeah, that's fair. 0:09:32.440 --> 0:09:32.680 I was. 0:09:32.720 --> 0:09:34.760 I was referring more to what we did in Cincinnati 0:09:34.800 --> 0:09:37.160 not long ago, and council approved a million and a 0:09:37.240 --> 0:09:41.920 half to a nonprofit that collected money and wiped out 0:09:41.920 --> 0:09:44.160 about two hundred and twenty million debt for twelve thousand 0:09:44.200 --> 0:09:47.920 Cincinnatians and just buying the debt from the credit companies. 0:09:48.400 --> 0:09:53.800 So I actually did that in Toledo about it'll be 0:09:53.880 --> 0:09:57.680 three years ago. So Toledo kind of led the way 0:09:57.760 --> 0:10:03.480 for cities with the first one, and so we actually 0:10:03.760 --> 0:10:10.320 eliminated debt for about one hundred and twelve thousand people 0:10:10.360 --> 0:10:14.360 around the region, including forty three thousand Lucas County residents. 0:10:14.640 --> 0:10:17.720 And that not profit is undue medical debt. They do 0:10:17.800 --> 0:10:22.960 great work, so and they negotiate directly with the hospitals. 0:10:23.360 --> 0:10:29.280 So yeah, i'd contemplate that one because this is outside 0:10:29.320 --> 0:10:31.720 of your scope as a state lawmaker, Michelle Grimm. But 0:10:32.600 --> 0:10:35.240 the beef I have, like, for example, the government shutdown 0:10:35.360 --> 0:10:38.199 over Obamacare and the ACA. You know, we're fighting O 0:10:38.280 --> 0:10:40.720 our subsidies. The problem it's not not healthcare. We're so 0:10:40.760 --> 0:10:44.400 we're taking money from a group of taxpayers and transferring 0:10:44.400 --> 0:10:47.000 it to another money of pad taxpayers without addressing the 0:10:47.040 --> 0:10:49.520 problem in Congress for a long time. And we would 0:10:49.640 --> 0:10:52.120 need all this stuff if we would just reform healthcare 0:10:52.160 --> 0:10:55.120 properly instead of having Democrats and Republicans fight each other 0:10:55.200 --> 0:10:59.439 and into this insane stuff. I mean Obamacare, it makes 0:10:59.480 --> 0:11:02.760 it doesn't make it affordable. Uh, it's extremely expensive. Is 0:11:02.760 --> 0:11:07.920 the problem is a misnomer. You're just here, you're subsidizing 0:11:07.960 --> 0:11:10.400 something that's extremely expensed. Let let's figure out why we're 0:11:10.400 --> 0:11:13.679 paying you know, three times more than than most double 0:11:13.720 --> 0:11:16.320 what most countries are for less health care. It doesn't 0:11:16.320 --> 0:11:16.920 make any sense. 0:11:17.160 --> 0:11:20.320 Yeah, yeah, no, I would absolutely agree with that, and 0:11:20.400 --> 0:11:23.480 I would I would say that a lot of people 0:11:23.600 --> 0:11:29.560 in the healthcare space looking at the core problem, which 0:11:29.600 --> 0:11:32.360 is our work at healthcare system which it would absolutely 0:11:32.360 --> 0:11:37.120 agree with that. And so I know we're here not 0:11:37.240 --> 0:11:39.960 to talk about ADO, but what what what they're able 0:11:40.000 --> 0:11:42.320 to do is they're able to purchase that pennies on 0:11:42.360 --> 0:11:46.960 the dollar from hospital systems or second second the secondary market. 0:11:48.160 --> 0:11:51.920 But you know, people do uh people have you know, 0:11:52.000 --> 0:11:53.959 I've gotten I've gotten a lot of emails and a 0:11:54.000 --> 0:11:55.960 lot of calls saying like I got a letter from 0:11:56.400 --> 0:11:59.839 New Medical Debt, Thank you very much. It really did 0:11:59.840 --> 0:12:02.199 help a lot of people. But yes, you are correct, 0:12:02.240 --> 0:12:07.840 and does not solve the broken healthcare system, right, and 0:12:08.160 --> 0:12:10.120 you know that's what you know, that's what we need 0:12:10.160 --> 0:12:15.440 to keep working on. And so bills like House Bill 0:12:15.559 --> 0:12:20.200 to fifty seven, they make the rules a little bit fairer, 0:12:20.240 --> 0:12:21.280 but we still have a lot. 0:12:21.120 --> 0:12:21.679 Of work to do. 0:12:21.840 --> 0:12:25.200 Yeah, you mentioned Logan County, Small and Logan Counties right 0:12:25.240 --> 0:12:27.959 now are listing areas in the I think are around 0:12:28.040 --> 0:12:30.320 the where the Armstrong space you know, Wapa Canata up 0:12:30.360 --> 0:12:33.040 that way. Yeah, yeah, about an hour an hour and 0:12:33.080 --> 0:12:35.080 a half hour forty minutes from us here in Cincinnati, 0:12:35.160 --> 0:12:36.840 So Logan County pastor and if you're going up north 0:12:36.840 --> 0:12:40.800 to Toledo, for example, so in that county you said 0:12:40.840 --> 0:12:42.880 that you know, they're garnishing people's wages and like, and 0:12:42.920 --> 0:12:44.559 I kind of get that in a sense is I 0:12:44.559 --> 0:12:46.920 don't know if they're being confiscatory and it's you know, 0:12:47.000 --> 0:12:50.560 the evil capitalists twirling his mustache in the corner lighting 0:12:50.600 --> 0:12:54.959 a cigar with one thousand dollars bills. But in some sense, 0:12:55.040 --> 0:12:58.319 hospitals and especially rural hospitals are under struggles right now. 0:12:58.320 --> 0:13:00.400 We're having a number of them closed a realt of 0:13:00.440 --> 0:13:02.920 the healthcare system which is not going to serve anyone 0:13:02.960 --> 0:13:05.520 in those areas. How do you ensure they still get 0:13:05.600 --> 0:13:09.600 fair payment while protecting the patients from excessive debt collection practices. 0:13:10.960 --> 0:13:14.880 So I think it's going to hurt our rule hospitals 0:13:15.000 --> 0:13:17.440 in the long run. Is the cuts to Medicaid and 0:13:17.480 --> 0:13:25.640 Medicare and also the increased costs because the ACA SUN 0:13:25.920 --> 0:13:29.199 subsidies may go away. So that's going to be really 0:13:29.200 --> 0:13:32.320 where they're going to hit get hit the hardest. It's 0:13:32.320 --> 0:13:33.920 not gonna be because they can't put it on our 0:13:33.960 --> 0:13:36.560 current report or they can't garnish wages. A lot of 0:13:36.600 --> 0:13:40.880 hospitals actually don't garnish wages or sue their patients. This 0:13:41.040 --> 0:13:45.040 is actually a pretty aggressive practice with this one hospital 0:13:45.440 --> 0:13:47.400 because actually a lot of hospitals. 0:13:47.040 --> 0:13:48.080 Don't do that. 0:13:48.720 --> 0:13:50.880 They you know, tend to try to work with the 0:13:50.960 --> 0:13:53.520 patient or they or they send it to debt collection, 0:13:54.320 --> 0:13:58.480 but not every but not every hospital does that. Couples 0:13:58.559 --> 0:14:02.400 of hospitals in the area in the state have said 0:14:02.480 --> 0:14:05.280 that this doesn't this build has those two fifty seven 0:14:05.320 --> 0:14:09.400 doesn't really affect us. It doesn't affect our operations. 0:14:09.880 --> 0:14:11.000 So but. 0:14:12.440 --> 0:14:14.000 So Yeah, that's what I would say. 0:14:13.840 --> 0:14:16.560 Is that maybe it's just but maybe more like the 0:14:16.640 --> 0:14:19.400 rural I mean, because you look at rural areas that 0:14:19.480 --> 0:14:22.800 are losing population and they've got one hospital or clinic 0:14:23.200 --> 0:14:24.640 and now you've got fewer people in there. So I 0:14:24.680 --> 0:14:28.840 get the model. Whereas in Cincinnati and Dayton, Toledo, in 0:14:28.880 --> 0:14:31.480 bigger cities, you can absorb those costs, but better you 0:14:31.560 --> 0:14:32.440 have more people to draw. 0:14:33.880 --> 0:14:38.760 Yeah, but again I think that what's coming down the 0:14:38.800 --> 0:14:42.800 pipeline here is our cuts to Medicaid and our cuts 0:14:42.800 --> 0:14:47.320 to Medicare and the AC subsidies going away. It's really 0:14:47.360 --> 0:14:52.400 going to for our rural hospital systems, not prohibiting putting 0:14:52.440 --> 0:14:53.320 medical debta credible. 0:14:54.040 --> 0:14:57.560 It's a hospital two fifty seven, and medical debt is 0:14:57.600 --> 0:14:59.640 a crisis in America, has been for a long time. 0:14:59.680 --> 0:15:01.880 Makes it about sixty percent of our consumer debt. This 0:15:01.960 --> 0:15:04.600 would limit the interest on that to three percent a 0:15:04.640 --> 0:15:07.760 hear capit of three percent interest, Ban wage garnishment for 0:15:07.880 --> 0:15:11.440 medical debt collections, and stop hospitals and providers and debt 0:15:11.480 --> 0:15:14.920 collectors from reporting that debt to credit agencies provided you're 0:15:14.960 --> 0:15:17.240 paying something. I mean, isn't it safe to say? In 0:15:17.280 --> 0:15:21.440 the end, most hospitals, hey, listen, I owe all this money, 0:15:21.520 --> 0:15:23.640 and here's what I make. We've got to work on 0:15:23.720 --> 0:15:25.800 a payment plan, whether it's you know, twenty bucks a 0:15:25.800 --> 0:15:27.600 month or something like that, which you'll never touch it, 0:15:27.640 --> 0:15:30.640 but at least I'm giving you something. Does that satisfy 0:15:30.680 --> 0:15:32.320 most hospitals if put the effort. 0:15:32.000 --> 0:15:35.360 In So, you know, I think I can't speak for 0:15:35.440 --> 0:15:38.920 the hospital systems, but certainly a lot of the hospital 0:15:39.000 --> 0:15:45.040 systems to work out payment plans. They also offer charity 0:15:45.040 --> 0:15:49.080 care options. People can ask for charity care options, and 0:15:49.120 --> 0:15:54.160 I would really encourage folks to do that. Just kind 0:15:54.160 --> 0:15:55.600 of look at all of your options. So if you 0:15:56.000 --> 0:16:00.800 do have medical debt or bills you can't pay questions. 0:16:01.440 --> 0:16:03.800 So this is kind of my call to action for everybody. 0:16:03.880 --> 0:16:07.360 Ask questions. Ask you know, hey, why was I charged this? 0:16:07.880 --> 0:16:10.880 Or can I set up a paynut plan? Or hey, 0:16:10.920 --> 0:16:13.320 I can't afford this right now. So I would say 0:16:13.960 --> 0:16:18.720 keep you know, negotiate with the hospital or the deck 0:16:18.720 --> 0:16:25.560 collection agency and just make sure that you're uh negotiating 0:16:25.640 --> 0:16:28.880 that way because you you do have negotiating power and 0:16:29.080 --> 0:16:33.040 you can work on uh making sure that you you 0:16:33.080 --> 0:16:35.040 do you do keep up with your bills and you 0:16:35.080 --> 0:16:37.280 don't fall behind and it does go on your credit 0:16:37.320 --> 0:16:43.480 report until you know, until just stack so so so yeah, 0:16:43.520 --> 0:16:46.640 I would say, like, you know, just work, you know, talk, 0:16:46.760 --> 0:16:50.960 talk to the hospitals, look at your medical bills, ask questions, 0:16:51.160 --> 0:16:55.800 and you know, the hospitals should be happy to work 0:16:55.800 --> 0:16:56.080 with you. 0:16:56.240 --> 0:16:58.680 Right, uh, Michelle, that you have by apersionans sport for 0:16:58.720 --> 0:16:59.600 those are bipartisionation. 0:17:00.960 --> 0:17:02.400 Yes, yeah, absolutely. 0:17:02.760 --> 0:17:07.040 It touches every So my my joint sponsor is Representative 0:17:07.119 --> 0:17:13.800 Jeane Schmidt. So uh I you know, it touches everybody's district, 0:17:14.800 --> 0:17:20.000 everybody's district. Yeah, so you know, it's not just rural 0:17:20.000 --> 0:17:23.560 districts or urban districts or suburban districts. Is everybody's district 0:17:23.760 --> 0:17:28.440 and everybody everybody knows someone who has had medical debt 0:17:28.520 --> 0:17:31.920 or has medical debt currently. And you know, again, we 0:17:32.000 --> 0:17:35.320 want to make sure that the playing field is a 0:17:35.320 --> 0:17:37.360 little fair for people, and we want to make sure 0:17:37.400 --> 0:17:40.359 people get ahead and not keep them down. And I 0:17:40.359 --> 0:17:41.840 think the House will two fifty seven. 0:17:42.359 --> 0:17:42.520 Uh. 0:17:42.640 --> 0:17:45.720 While it doesn't fix everything, it makes us a little 0:17:45.720 --> 0:17:49.879 bit closer to uh, a fair system. 0:17:50.400 --> 0:17:53.280 Yeah, it makes sense. Jeene Schmid in the sixty second district, 0:17:53.320 --> 0:17:56.359 so you know, fairly rural area is there to Claremont County, 0:17:56.400 --> 0:18:00.760 so it has urban and rural support. And and it's bipartisan, 0:18:00.800 --> 0:18:02.960 which I like a lot. And it also helps people 0:18:03.000 --> 0:18:07.119 and it doesn't seem to unfairly incentivize someone not to 0:18:07.160 --> 0:18:09.200 pay their bills, which which I like. She is Michelle 0:18:09.200 --> 0:18:13.080 Grimm Democratic, Toledo House Bill fifty spence two fifty seven, 0:18:13.240 --> 0:18:15.720 along with Genie Schmidt here in Claremont County and I 0:18:15.720 --> 0:18:17.600 wish all the best. Thanks again for coming on the show. 0:18:18.720 --> 0:18:20.080 Thank you, Scott be Well. 0:18:21.000 --> 0:18:23.480 Yeah, we can talk more about this too. And I 0:18:23.600 --> 0:18:25.320 know there's people that just dig their heels and go, 0:18:25.560 --> 0:18:28.920 oh my god, how it's more welfare for Yeah. The 0:18:29.240 --> 0:18:31.960 problem is this, you know, we have now double we 0:18:32.040 --> 0:18:34.600 spend a triple rather the amount of money we spend 0:18:34.720 --> 0:18:38.520 on healthcare. From two thousand to today, the number has tripled. 0:18:39.280 --> 0:18:42.280 And you know when you have sixty percent of consumer 0:18:42.320 --> 0:18:45.040 debt on credit reports, it is because of medical issues, 0:18:45.680 --> 0:18:49.560 medical bills that people can't pay, and a declining number 0:18:49.600 --> 0:18:53.680 of businesses are offering health insurance. That is a catastrophe. 0:18:53.720 --> 0:18:55.880 Maybe you're feeling that yourself and your family, your thoughts 0:18:55.920 --> 0:18:57.840 five one, three, seven, four, nine, seven thousand eight, Order 0:18:57.840 --> 0:19:00.199 the Big One talk Back iHeartRadio app. We will get 0:19:00.240 --> 0:19:02.440 your calls in and got more just ahead here on 0:19:02.440 --> 0:19:03.960 the Scott's Loan Show right after the news on seven 0:19:04.000 --> 0:19:09.800 hundred W. It's a Scott's Loan Show on seven hundred WLW. 0:19:10.080 --> 0:19:12.560 Lots going on this morning. We'll get into the shooting 0:19:12.600 --> 0:19:15.720 downtown in just a second. We're kind of wrapping up 0:19:15.800 --> 0:19:19.640 previous topic here. Just minutes ago, Michelle Grimm, Democrat out Toledo, 0:19:19.720 --> 0:19:23.080 a bipartisan effort, she along with Genie Schmidt of Claremont County, 0:19:23.359 --> 0:19:25.520 introducing House Bill two fifty seven to give her a 0:19:25.560 --> 0:19:29.119 lief to people who suffer from medical debt. And I 0:19:29.160 --> 0:19:30.600 think for too long in this country we have an 0:19:30.680 --> 0:19:33.000 argument like somehow for somebody gets debt really from that, 0:19:33.160 --> 0:19:36.040 it's somehow it's unfair to transfernal wealth. Somebody's got to 0:19:36.040 --> 0:19:38.280 pay for it. It's on the taxpayers. But let's face it, 0:19:38.840 --> 0:19:43.160 because of the system that we have, we pay way 0:19:43.200 --> 0:19:46.160 more than we should, like double most developed countries for 0:19:46.560 --> 0:19:48.919 a lesser healthcare. Let's favor it. Our healthcare sucks and 0:19:48.960 --> 0:19:51.240 we pay more than anybody else. What's wrong with this picture? 0:19:51.480 --> 0:19:54.520 To the point where the amount we spend over the 0:19:54.600 --> 0:20:00.440 last twenty five years has tripled, not doubled, tripled. Just 0:20:00.520 --> 0:20:05.719 let that sink in for a second. And for sixty 0:20:05.760 --> 0:20:09.040 percent of people who have consumer debt, you'll get credit. 0:20:09.040 --> 0:20:11.560 Pull a credit report. Six out of ten people the 0:20:11.680 --> 0:20:14.600 number one source of debt for them is medical debt. 0:20:15.200 --> 0:20:18.480 So that means if you're servicing debt on something like healthcare, 0:20:18.520 --> 0:20:21.359 which we all need at some point or another, unless 0:20:21.359 --> 0:20:24.440 you're extremely lucky or you die young, you need health care. 0:20:25.359 --> 0:20:27.360 And so the end result then is that we pay 0:20:27.359 --> 0:20:31.560 a lot for something that is definitely necessary, and now 0:20:31.600 --> 0:20:33.480 it prevents you from spending money. Let's say you own 0:20:33.480 --> 0:20:35.879 a small business of food truck, whatever it is, and 0:20:35.920 --> 0:20:38.639 now someone instead of maybe using that money to go 0:20:39.000 --> 0:20:41.000 and buy products or services from your company or the 0:20:41.000 --> 0:20:43.120 company you work for, the end result is it has 0:20:43.119 --> 0:20:45.239 to go into servicing debt and interest in all that 0:20:45.280 --> 0:20:49.240 other stuff because it's debt, and then that person is 0:20:49.240 --> 0:20:50.480 going to be hard from them to buy a house 0:20:50.560 --> 0:20:52.480 by a car, get a loan, and you see the 0:20:52.520 --> 0:20:54.119 effects of this. Something has to be done about it. 0:20:54.160 --> 0:20:56.120 And this has all been a band aid approach so far. 0:20:56.960 --> 0:20:59.919 Certainly with what Congress is doing right now relative to healthcare, 0:21:00.040 --> 0:21:01.840 it's just band aid stuff. The real core of the 0:21:01.880 --> 0:21:04.439 issue is how do we fix healthcare so it's not 0:21:04.480 --> 0:21:07.440 so damn expensive. One side wants a lot of subsidy. 0:21:07.480 --> 0:21:09.640 The other one doesn't have an answer really other than 0:21:09.840 --> 0:21:13.840 we don't like subsidy and socialism. But okay, that's fine, 0:21:13.880 --> 0:21:15.920 So what does that look like? And yet they won't 0:21:15.960 --> 0:21:18.840 address that core issue on that topic real quick. As 0:21:18.880 --> 0:21:21.760 carlon Mainville on seven hundred wwty, thanks for checking out, Carl, 0:21:21.800 --> 0:21:22.160 what's up? 0:21:23.280 --> 0:21:23.480 Yeah? 0:21:23.480 --> 0:21:26.680 I just wanted to share an experience that my daughter had. 0:21:26.720 --> 0:21:30.800 She has three kids and they're married, and she was 0:21:30.840 --> 0:21:34.040 diagnosed with cancer and they had all these scans and 0:21:34.080 --> 0:21:37.040 they had to go through and remove their limp notes 0:21:37.160 --> 0:21:41.760 and it was pretty intensive surgery, and her insurance coming 0:21:41.800 --> 0:21:45.359 I think over that period of time spent pretty close 0:21:45.400 --> 0:21:48.280 to over around three quarters a million dollars covering some 0:21:48.359 --> 0:21:51.440 of her care. But then she was left with a balance, 0:21:51.760 --> 0:21:56.119 and she tried to work with uc on trying to 0:21:56.160 --> 0:21:59.680 cover some of that balance, and they could never come 0:21:59.760 --> 0:22:02.120 up with than a payment she's They just kept telling her, well, 0:22:02.119 --> 0:22:04.160 your payment's too low. That's no good, that's no good, 0:22:04.640 --> 0:22:07.360 and boom, they turned her over to a collection agency, 0:22:08.600 --> 0:22:11.119 put a lien on her house, try to guarantee your wages. 0:22:11.160 --> 0:22:14.119 And here she's going through cancer, but she's supposed to 0:22:14.119 --> 0:22:17.560 be calm and wrestful and all this stress that they 0:22:17.600 --> 0:22:20.399 put on her with their three little kids, right, was 0:22:20.520 --> 0:22:23.000 just unbelievable and ruthless. 0:22:23.080 --> 0:22:25.399 Yeah, and I get I get the fact that the 0:22:25.440 --> 0:22:28.080 hospitals and the providers need to be made whole because 0:22:28.359 --> 0:22:31.720 somebody has to pay for it, right, And I get that, 0:22:31.840 --> 0:22:33.480 and it seems cruel at the time, because you know, 0:22:33.520 --> 0:22:35.119 I mean, do you really need to deal with bills 0:22:35.160 --> 0:22:37.679 and worry about that when you're fighting for your life 0:22:38.119 --> 0:22:41.040 so you for your children and your babies because you 0:22:41.080 --> 0:22:43.199 have cancer. No, no one wants to go through that. 0:22:44.080 --> 0:22:46.600 And and the problem can be fixed, I think, but 0:22:46.680 --> 0:22:49.200 it's going to take an effort better than we're getting 0:22:49.200 --> 0:22:52.200 from our elected officials right now. If this issue touches 0:22:52.280 --> 0:22:55.680 all lives, young, old, left and right, black and white, male, female, 0:22:56.240 --> 0:22:58.120 then then damn it, there's got to be some sort 0:22:58.119 --> 0:23:00.119 of Uh, there's got to be some resolve on the 0:23:00.119 --> 0:23:02.479 part of our lawmakers to do something other than just 0:23:02.760 --> 0:23:05.040 you know, continue to band aid relief like this is, 0:23:05.320 --> 0:23:07.720 this will help this bill. But the core issue is 0:23:07.720 --> 0:23:09.439 the fact is healthcare is out of control. When it 0:23:09.440 --> 0:23:11.200 comes to expenses, it's got to be blown up. 0:23:12.160 --> 0:23:14.479 It's it's out of control. And I think you do 0:23:14.560 --> 0:23:18.880 need to look at individual cases. But for the lack 0:23:18.960 --> 0:23:22.600 of compassion and for the millions and millions of dollars 0:23:23.080 --> 0:23:27.879 that you see gets in just grants and donors and 0:23:27.920 --> 0:23:34.800 everything else, it was just unbelievable, how cruel and uh, 0:23:35.840 --> 0:23:38.240 this whole process where they end up having to sell. 0:23:38.080 --> 0:23:38.680 Their own. 0:23:40.320 --> 0:23:44.120 Can you imagine? I mean, well, I apray she's better 0:23:44.200 --> 0:23:45.920 than things that have since gotten. 0:23:45.600 --> 0:23:49.400 Better for yes, and I mean it had, like I said, 0:23:49.400 --> 0:23:51.800 they had to tell so many people. 0:23:51.880 --> 0:23:53.760 Yeah, I appreciate it. Thanks, I'm glad that things are 0:23:53.800 --> 0:23:55.760 going better. But this is just a horror stories. What 0:23:55.800 --> 0:23:58.200 that is, Uh, does that really should that be happening 0:23:58.240 --> 0:24:01.040 in our America right now? I mean happening, but should it? 0:24:02.119 --> 0:24:04.120 And we can do better? But it starts with those 0:24:04.160 --> 0:24:07.600 we send to do our bidding to Washington, and uh, 0:24:08.000 --> 0:24:09.399 I don't know. I think maybe in the future, and 0:24:09.400 --> 0:24:11.520 we'll get more of this later on during the course 0:24:11.520 --> 0:24:13.879 of the show. But I think in the future you 0:24:13.960 --> 0:24:15.960 can almost sense and you know, I know that what 0:24:16.000 --> 0:24:18.320 the Russians talking about, there's gonna be a civil war, 0:24:18.359 --> 0:24:19.600 and I know there could be a civil war, but 0:24:19.600 --> 0:24:21.720 there's gonna be a great a great change I think 0:24:21.840 --> 0:24:23.520 is coming. And we thought we might get that someone 0:24:23.560 --> 0:24:27.080 with Trump, but in this aspect, it hasn't been touched yet. Anyway, 0:24:27.200 --> 0:24:29.320 It's five one, three, seven, four nine seven Thousan the 0:24:29.320 --> 0:24:32.280 Big One talk back iHeartRadio app Also, I will point 0:24:32.320 --> 0:24:35.360 this out. Last night and an issue close to home, 0:24:35.400 --> 0:24:38.520 of course, we had another shooting at Fountain Square. So 0:24:38.960 --> 0:24:41.840 you know what is that if you're doing if you're 0:24:41.840 --> 0:24:44.520 doing the math on this. By the way, last week, 0:24:44.600 --> 0:24:47.560 two guys fired handguns across the road in rush hour traffic. 0:24:48.440 --> 0:24:50.199 One guy was shot, his car was shot up to 0:24:50.240 --> 0:24:53.320 but rush hour traffic, two clowns pull up guns because 0:24:53.320 --> 0:24:55.800 they had some stupid beef over some petty crap and 0:24:55.840 --> 0:24:59.919 decided to shoot each other. Luckily, no one passerby was injured. 0:25:00.960 --> 0:25:03.400 Last night, it happened again at Fountain Square in front 0:25:03.400 --> 0:25:07.240 of City Bird. Two people in custody, one ran off, 0:25:07.119 --> 0:25:10.800 that person was taken down by a CPD officer who 0:25:10.880 --> 0:25:14.560 is working to detail at the square. Another person who 0:25:14.640 --> 0:25:16.919 was the subject of the gunfire was shot. So they 0:25:16.920 --> 0:25:19.720 were injured. And so you got a person suspected of 0:25:19.760 --> 0:25:22.000 firing that weapon that was flood the scene was apprehended, 0:25:22.080 --> 0:25:25.160 thank god. The other person who's shot has been as well. 0:25:25.200 --> 0:25:26.880 So you had a couple of people's shot last night. 0:25:26.920 --> 0:25:28.879 Fortunately no one at Citybird, no one on the square 0:25:29.440 --> 0:25:33.040 was shot. As all of this, we've had eighteen shootings 0:25:33.040 --> 0:25:35.640 to date in that area in particular, and I thought 0:25:35.640 --> 0:25:37.080 this was supposed to be We're going to get tough 0:25:37.119 --> 0:25:39.560 on crime. We've got curfews who've got everything else, and 0:25:39.600 --> 0:25:41.520 it just it does not seem to be working at all. 0:25:41.600 --> 0:25:43.840 It doesn't seem to be working. And what is a solution. 0:25:44.200 --> 0:25:46.640 I think that's a good question. Liz Keating. Of course, 0:25:46.680 --> 0:25:49.280 former council person's also running and she's checking in the 0:25:49.280 --> 0:25:51.320 show this morning. Hey Liz, thanks for coning. How are you. 0:25:53.160 --> 0:25:55.680 I'm good, but I'm set up. I am absolutely set 0:25:55.760 --> 0:25:57.000 up with all of this going on. 0:25:57.200 --> 0:25:59.119 Is that why you're running again? Because you know, you 0:25:59.640 --> 0:26:02.080 were uncil person and then other people said, now we 0:26:02.119 --> 0:26:04.280 need more touchy feely folks. We've got to you know, 0:26:04.280 --> 0:26:05.760 we got to care about the environ We got to 0:26:05.760 --> 0:26:07.800 worry about all this other stuff, and you know, took 0:26:07.840 --> 0:26:09.640 our eye off the prize, which is you know, number 0:26:09.680 --> 0:26:12.359 one is public safety. We've taken our eyes off the prize. 0:26:12.920 --> 0:26:14.880 Is this and I told you so kind of phone call. 0:26:17.040 --> 0:26:18.560 It's a bit of an I told you so, and 0:26:18.600 --> 0:26:21.280 it's a bit of everyone is fed up and we 0:26:21.320 --> 0:26:24.840 need leaders down there that actually care about keeping people safe. 0:26:24.880 --> 0:26:27.439 That is the number one job of local government is 0:26:27.480 --> 0:26:30.200 to keep people safe and be able to respond in emergencies. 0:26:30.240 --> 0:26:33.400 And council is sailing at that number one job right now. 0:26:33.480 --> 0:26:35.840 I can tell there's an election because right after the 0:26:35.880 --> 0:26:37.800 shooting there was a statement by the mayor, a f 0:26:37.840 --> 0:26:40.760 ted Puirval who said the violence is beyond the pale 0:26:40.800 --> 0:26:43.400 and intolerable. Normally would take weeks for him to respond 0:26:43.960 --> 0:26:46.040 apparently there's an election coming up, and now it's taking 0:26:46.080 --> 0:26:48.160 minutes for him to respond. Isn't that progress? 0:26:49.880 --> 0:26:52.240 I mean, let's look at council for a second. I 0:26:52.280 --> 0:26:56.240 mean they have long public Safety committee meeting this morning. 0:26:56.640 --> 0:27:00.959 We've consistently heard that council has priority as public safety. 0:27:01.000 --> 0:27:03.720 Yet only four of nine council members serve on the 0:27:03.720 --> 0:27:07.640 Public Safety Committee, only four. They only have two items 0:27:07.680 --> 0:27:08.440 on their agenda. 0:27:08.480 --> 0:27:10.359 They have not met in two weeks. 0:27:10.600 --> 0:27:13.560 So We've had two shootings on Suntain Square and they 0:27:13.600 --> 0:27:15.960 only have two items on the agenda, neither of which 0:27:16.000 --> 0:27:18.359 are talking about shootings that are going on in the 0:27:18.359 --> 0:27:21.440 heart of downtown. They've only had five items on their 0:27:21.440 --> 0:27:25.040 agenda over the last six weeks on public safety. Where 0:27:25.160 --> 0:27:28.040 is council when this death matters like we have had 0:27:28.080 --> 0:27:32.000 shootings and particularly kids being shot and killed the entire summer, 0:27:32.359 --> 0:27:35.480 and we are still yet to see actual activity coming 0:27:35.480 --> 0:27:38.560 from council, who, by the way, they appropriate the funds, 0:27:38.640 --> 0:27:42.680 they make, the legislation and the policies that can fight this, 0:27:42.920 --> 0:27:45.840 and they are nowhere. All we're hearing from council is 0:27:45.880 --> 0:27:49.119 the numbers are going down. Everything's fine. Don't look over here. 0:27:49.840 --> 0:27:51.360 We're all good re elect us. 0:27:51.480 --> 0:27:54.359 Well, it depends on what numbers. It depends on what 0:27:54.480 --> 0:27:57.719 numbers you're looking at right now. But in particular, one 0:27:57.760 --> 0:27:59.720 of the property current break ins that those numbers are 0:27:59.800 --> 0:28:02.520 up again. And in this case, we've last year at 0:28:02.520 --> 0:28:04.600 the time, we had ten shootings. Now we have eighteen. 0:28:05.000 --> 0:28:06.639 That seems up to me, doesn't to you. I'm not 0:28:06.680 --> 0:28:07.600 good at math, LIZI you. 0:28:07.520 --> 0:28:10.879 Tell me it is. Yeah, yeah, I mean it. It 0:28:11.000 --> 0:28:15.119 is significantly higher, particularly in our urban core, and we 0:28:15.200 --> 0:28:17.159 need leaders who are paying attention to that. But we 0:28:17.200 --> 0:28:20.080 also need leaders who care about whether or not people 0:28:20.119 --> 0:28:22.560 actually feel safe, because if people don't feel safe, they 0:28:22.600 --> 0:28:24.399 are not going to go downtown. They are not going 0:28:24.480 --> 0:28:27.760 to go support those small businesses that are the livelihood 0:28:27.760 --> 0:28:30.359 of so many families in our city. We have got 0:28:30.400 --> 0:28:33.040 to have council members who actually care about this. They 0:28:33.080 --> 0:28:36.440 care about keeping people safe and making sure people feel safe. Yeah, 0:28:36.480 --> 0:28:38.080 but tech we either it's happening right now. 0:28:38.120 --> 0:28:38.800 Should we just. 0:28:38.760 --> 0:28:40.600 Pay people not to commit crimes? Would that be the 0:28:40.640 --> 0:28:43.160 easy way? I mean, we subsidize everything else, So just 0:28:43.160 --> 0:28:44.960 talking about that with healthcare, why do not just pay 0:28:45.000 --> 0:28:47.280 these people? I think that was jan Michelle Iman Kearny's 0:28:47.280 --> 0:28:50.120 proposal pay people not gimmit crimes. What's wrong with that? 0:28:51.920 --> 0:28:54.000 It is absolutely absurd. You got to be tough on 0:28:54.040 --> 0:28:56.960 crime and the causes of crime. You cannot just say 0:28:57.080 --> 0:29:01.160 you decide we're going to pay people with no accountability whatsoever, 0:29:01.280 --> 0:29:04.200 because it's no partnership with the actual police department, so 0:29:04.360 --> 0:29:06.800 no way to track to see if somebody that we're 0:29:06.840 --> 0:29:10.240 paying to not shoot is not shooting somebody else. If 0:29:10.240 --> 0:29:12.720 people are actively shooting, they should be in jail. We 0:29:12.760 --> 0:29:15.080 should be off our streets. 0:29:14.880 --> 0:29:19.000 Where Julliz keating, we're downtown fairly regularly. We're overdue for 0:29:19.080 --> 0:29:21.400 a visit downtown in the staycation, which I love spending 0:29:21.400 --> 0:29:23.760 money in our city. I really do. This does not 0:29:23.840 --> 0:29:26.160 dissuade me from going down and doing that, hopefully. Some 0:29:26.200 --> 0:29:29.560 people said, I haven't been downtown in years. Other people 0:29:29.600 --> 0:29:32.360 say it doesn't bother me at all. It certainly doesn't 0:29:32.400 --> 0:29:34.560 help when you have things like this going on, because 0:29:34.600 --> 0:29:37.280 it does make you one look over their shoulder. But 0:29:37.640 --> 0:29:40.160 I will say that it's starting to have that kind 0:29:40.160 --> 0:29:42.440 of effect. I mean, I don't know. The River Roots 0:29:42.440 --> 0:29:45.120 thing didn't really go off as they thought, and may 0:29:45.200 --> 0:29:47.240 been the planners. But I can't help but think that 0:29:47.280 --> 0:29:49.840 when we have events and we don't have as many 0:29:49.880 --> 0:29:54.280 people showing up, this may be one of the factors involved. 0:29:56.080 --> 0:29:57.760 I think it is one of the factors. I think 0:29:57.800 --> 0:30:00.160 a tough economy is also one of the factors. But 0:30:00.240 --> 0:30:03.200 we knew this coming in. We've seen the economy shifting, 0:30:03.600 --> 0:30:06.320 We've seen prices go higher. We knew that when this 0:30:06.440 --> 0:30:09.000 happens in the economy, that crime goes up, that mental 0:30:09.000 --> 0:30:11.560 health issues go up. There could have been work going 0:30:11.640 --> 0:30:15.400 on two years ago to prevent this. Everyone saw it coming. 0:30:15.520 --> 0:30:17.959 Everyone isn't pointing out that this is coming, and we 0:30:18.000 --> 0:30:20.840 saw no action from council. And you're right. I will 0:30:20.880 --> 0:30:23.440 continue to go downtown. I will continue to support those 0:30:23.480 --> 0:30:27.320 businesses because those that is so critical to continuing the 0:30:27.360 --> 0:30:30.160 success of our city. But I will not sit by 0:30:30.240 --> 0:30:33.160 when we have council members who just keep saying, don't worry, 0:30:33.160 --> 0:30:35.920 crime is going down, everything's fine, We're doing a good job. 0:30:36.000 --> 0:30:39.240 We have to have leaders who are not satisfied until 0:30:39.280 --> 0:30:42.040 crime is at zero and people feel safe. 0:30:42.280 --> 0:30:44.160 And the problem for me is in seeing this is 0:30:44.240 --> 0:30:46.320 then we have Okay, we're going to spend some money 0:30:46.400 --> 0:30:48.120 we're going to take four and a half million dollars 0:30:48.120 --> 0:30:50.280 and we'll give the kyuka. But then you start looking 0:30:50.320 --> 0:30:52.640 through and it's like there's programs, so this program and that, 0:30:52.720 --> 0:30:55.120 and that's how it passes. Obviously, somebody gets their program, 0:30:55.520 --> 0:30:57.080 and as far as I can tell, not all of them. 0:30:57.120 --> 0:30:59.320 But there's a good number of programs that exist just 0:30:59.360 --> 0:31:01.840 to feed the rabel rousers in a sense that we're 0:31:01.840 --> 0:31:03.680 going to take this money and we're not going to 0:31:03.680 --> 0:31:05.640 be accountable for it. It's going to pay someone off. 0:31:05.640 --> 0:31:07.320 We're going to have a minister, we're gonna have someone 0:31:07.320 --> 0:31:09.280 to say, we're going to get this my well, what 0:31:09.320 --> 0:31:11.719 have you done? Nothing? And I point out because I 0:31:11.760 --> 0:31:14.440 you know, Iris Rawley's son, right, what was he making 0:31:14.560 --> 0:31:16.640 like sixty bucks an hour or something like that to 0:31:16.680 --> 0:31:19.480 be an ambassador? Who the hell's get sixty dollars to 0:31:19.520 --> 0:31:21.080 stand around Fountain Square and do what. 0:31:24.120 --> 0:31:26.920 I mean? My problem is is that they're waiting until 0:31:27.000 --> 0:31:29.280 right before in election you spend that money. Where was 0:31:29.320 --> 0:31:32.160 that money being spent. Where were these programs being spent 0:31:32.360 --> 0:31:34.560 at the beginning of summer when we were seeing kids 0:31:34.600 --> 0:31:37.800 being shot and killed every single week. This is the 0:31:37.880 --> 0:31:39.320 kind of stuff that as soon as you put the 0:31:39.360 --> 0:31:41.840 programs in place, as soon as you start spending the money, 0:31:42.040 --> 0:31:44.719 you come back at Public Safety Committee meeting and you 0:31:44.840 --> 0:31:46.959 check on it every week. How are our numbers? What 0:31:47.000 --> 0:31:49.520 are we doing? Is what we're doing working. When I 0:31:49.600 --> 0:31:51.920 was on counsel, I led the Main Street Task Force 0:31:51.960 --> 0:31:54.800 when we were having shootings on Main Street every single 0:31:54.800 --> 0:31:58.360 week between Central Parkway and Liberty. We met on a 0:31:58.400 --> 0:32:03.280 weekly basis with multiple different organizations and departments to continue 0:32:03.320 --> 0:32:08.040 to be relentless on solving the problem from a holistic standpoint, 0:32:08.360 --> 0:32:12.600 whether that's parking enforcement, health enforcement, to Health department to 0:32:12.640 --> 0:32:15.680 shut down illegal food vendors, is working with uber to 0:32:15.800 --> 0:32:18.520 geo fends to pick up in different areas so you 0:32:18.560 --> 0:32:20.720 can move some of the drug dealing in the car 0:32:20.800 --> 0:32:24.600 sitting around, moving that along. But we spent time downtown 0:32:24.680 --> 0:32:27.239 at Q three am on Saturday nights when there were 0:32:27.240 --> 0:32:29.000 the problems, to see if the work that we were 0:32:29.000 --> 0:32:32.400 doing was actually working, coming back and reporting and figuring 0:32:32.400 --> 0:32:34.800 out what more changes you have to keep showing up 0:32:35.080 --> 0:32:37.840 every single day with the result to solve the issue. 0:32:37.960 --> 0:32:40.000 And we're not seeing that. We're seeing a bunch of 0:32:40.040 --> 0:32:42.720 money being spent right before an election that money should 0:32:42.720 --> 0:32:45.760 have been spent months ago when we saw this going up, 0:32:46.000 --> 0:32:49.200 and then constantly needing each and every week to see 0:32:49.240 --> 0:32:52.000 how it is working. We're not seeing that. We're just 0:32:52.080 --> 0:32:54.280 hearing from council members saying numbers are going down. 0:32:54.360 --> 0:32:55.680 I think I speak for a lot of people, and 0:32:55.720 --> 0:32:58.200 I said, I'm tired of them spending money on programs. Assimilarly, 0:32:58.240 --> 0:33:01.160 there's no accountabilities, no jerisys, just giving. We're paying people 0:33:01.200 --> 0:33:03.240 off and the problem continues to exist. The people we 0:33:03.480 --> 0:33:06.040 allegedly are helping aren't getting helped at all. It's just 0:33:06.040 --> 0:33:08.520 a transference of wealth and it's a skim is what 0:33:08.560 --> 0:33:13.040 it is. Similarly, Liz Keating, today, I think councils meeting 0:33:13.080 --> 0:33:16.479 to discuss food trucks and how to further regular food trucks. 0:33:16.600 --> 0:33:18.920 We saw the problem, of course, with the after hours 0:33:18.960 --> 0:33:21.520 places that were open in many neighborhoods. Roselin comes to 0:33:21.560 --> 0:33:24.160 mind with a hookah lounge, and we've got shootouts at 0:33:24.160 --> 0:33:26.080 the hookah lounge and people hanging around on the street 0:33:26.200 --> 0:33:29.120 till three four in the morning all night long, causing problems, 0:33:29.160 --> 0:33:32.480 scaring people well, intimidating people, and also some violence going 0:33:32.480 --> 0:33:36.240 on as well, and we're contemplating what to do about that. 0:33:36.280 --> 0:33:38.960 But meanwhile, one of the solutions was to cause the 0:33:39.080 --> 0:33:42.440 food trucks to shut down at eleven o'clock or midnight 0:33:42.520 --> 0:33:45.240 or whatever it was, which is, we're just punishing law 0:33:45.240 --> 0:33:49.120 abiding people for the sake of alleged public safety. But 0:33:49.200 --> 0:33:51.720 the optics of that are somehow that well, if we 0:33:51.720 --> 0:33:54.360 give the food trucks, then the degenerates won't go when 0:33:54.560 --> 0:33:56.440 and they won't be able to eat, so they'll go home, 0:33:56.520 --> 0:33:59.000 which of course is the exact opposite of what you 0:33:59.040 --> 0:34:01.120 should be doing. These people have no sense. 0:34:03.040 --> 0:34:06.120 I mean, we cannot blame small businesses for the crime 0:34:06.200 --> 0:34:10.080 numbers when Council cannot help solve this on their own. 0:34:10.400 --> 0:34:13.400 It is absolutely absurd, and it's absurd that it's taken 0:34:13.520 --> 0:34:16.440 this long for Council to act. When the food trucks 0:34:16.440 --> 0:34:20.120 we're getting those types of regulations weeks ago, it's taken 0:34:20.160 --> 0:34:23.120 them this long to actually respond to it. We cannot 0:34:23.160 --> 0:34:25.640 punish You're right, You're exactly right. We cannot punish these 0:34:25.640 --> 0:34:28.440 small businesses for the crime going on. Now. There are 0:34:28.480 --> 0:34:32.120 some businesses that do create problems, and that's why we 0:34:32.200 --> 0:34:36.480 have certain measures to be able to whether it's revoking 0:34:36.560 --> 0:34:39.600 liquor licenses or shutting it down, if they're not doing 0:34:39.600 --> 0:34:41.719 what they're supposed to do and causing it. We have 0:34:41.840 --> 0:34:45.080 not seen that from the Food Trust venders, food Trust vendors. 0:34:45.120 --> 0:34:48.360 Those are small businesses are the lifeblood of our city. 0:34:48.640 --> 0:34:50.799 That is how we support families. That's how you get 0:34:50.840 --> 0:34:55.080 paychecks going home to support families and give them better opportunities. 0:34:55.120 --> 0:34:58.279 If we can't allow small businesses to thrive in Cincinnati, 0:34:58.320 --> 0:34:59.760 then we've got a real problem. 0:35:00.440 --> 0:35:03.200 I think the bottom line, Liz Keating, is that we've 0:35:03.200 --> 0:35:05.080 got to get serious about these criminals. I mean, we 0:35:05.120 --> 0:35:06.840 live in a time where I mean, let's face it, 0:35:06.880 --> 0:35:12.040 the people are doing this are self absorbed sociopaths. I 0:35:12.040 --> 0:35:14.279 mean getting there, I mean and shooting at each other 0:35:14.280 --> 0:35:16.799 acrosses crowded street in the middle of the afternoon as 0:35:16.800 --> 0:35:20.160 commuters go back and forth over some beef or last night, 0:35:20.200 --> 0:35:22.160 what happened to fountain scorn from a city bird over 0:35:22.200 --> 0:35:24.279 some stupid argument, and guns are going to come out. 0:35:24.400 --> 0:35:27.240 Be damned everyone else around you. I'm sorry those people. 0:35:27.440 --> 0:35:30.040 We have a cancer, and it's a cancer of self absorption. 0:35:30.320 --> 0:35:32.040 I don't care how many programs and we've got to 0:35:32.040 --> 0:35:33.799 be gentle and we got to treat these poor kids. 0:35:33.800 --> 0:35:37.239 I'm sorry you got that. That's over. We've got to 0:35:37.320 --> 0:35:39.560 round these people up and incarcerat them. That's the only 0:35:39.600 --> 0:35:42.879 way out of this. And sadly we're making more degenerates 0:35:42.920 --> 0:35:45.600 like this causing havoc for our city. Liz Keating, thanks 0:35:45.640 --> 0:35:47.400 for checking in this morning. Good luck with the election 0:35:47.520 --> 0:35:50.319 come up as you seek the vote to be able 0:35:50.360 --> 0:35:53.719 to re elect to the council. Thanks again, Yeah, thank you. 0:35:54.360 --> 0:35:55.799 Change in Cincinnati, No. 0:35:55.880 --> 0:35:59.879 Kidding, another shooting last night. Sloany seven hundred ww sin. 0:36:00.280 --> 0:36:01.080 Don't want to be in. 0:36:02.680 --> 0:36:02.839 There. 0:36:02.880 --> 0:36:05.600 We go Sloany seven hundred wit in this Tuesday morning 0:36:05.920 --> 0:36:10.520 watching Speaker Johnson talk about the government shutdown. I don't 0:36:10.520 --> 0:36:12.040 have the sound up, but I guess it's blah blah 0:36:12.080 --> 0:36:15.319 blah blah blah. And then maybe Chuck Schumer or somebody 0:36:15.320 --> 0:36:17.200 will pop on, or Jeffries will go on, and we'll 0:36:17.400 --> 0:36:19.960 say blah blah blah blah blah ah. So anyway, more 0:36:19.960 --> 0:36:22.400 of the same nonsense in the theater that continues, however, 0:36:23.560 --> 0:36:26.600 is as much as a theater as it is. There's 0:36:26.600 --> 0:36:28.560 still some impact with this. We know that there's people 0:36:28.600 --> 0:36:31.080 losing their jobs, people who are laid off or furloughed, 0:36:31.320 --> 0:36:35.240 worry about maybe making that mortgage, your car payment. Certainly 0:36:35.320 --> 0:36:37.040 that is a concern, and a real one at that, 0:36:37.120 --> 0:36:40.000 because this affects real people, just not in the numbers 0:36:40.040 --> 0:36:42.120 they would have let you to believe. Now, part of this, 0:36:42.200 --> 0:36:45.600 too has to do with forty one hundred employees across 0:36:45.800 --> 0:36:48.560 different government agencies may be terminated. We'll find out there. 0:36:49.040 --> 0:36:51.279 And one of the areas that's under concerned and we'll 0:36:51.280 --> 0:36:54.760 find out tomorrow, is wealthy members of the military get paid. 0:36:55.000 --> 0:36:57.680 I think that's a pretty good question. The folks that 0:36:57.719 --> 0:37:01.000 are out there keeping the peace and trying to protect 0:37:01.040 --> 0:37:03.920 America probably should get a paycheck. Who you're out there 0:37:03.960 --> 0:37:06.680 put your life on the line every day. This and 0:37:06.719 --> 0:37:08.840 the other things to talk about with the Glenn Welling 0:37:08.880 --> 0:37:10.680 for the first time in the show. He's the executive 0:37:10.719 --> 0:37:13.560 director of the Hamlet County Veteran Service Commission. Glenn, Welcome, 0:37:13.560 --> 0:37:13.960 how are you. 0:37:15.320 --> 0:37:18.040 Good morning, Scott. I'm doing very well and it's great 0:37:18.080 --> 0:37:18.600 to be on with you. 0:37:18.680 --> 0:37:19.040 Thanks. 0:37:19.080 --> 0:37:20.800 I appreciate thanks for your service. I know you're a 0:37:20.840 --> 0:37:24.080 Navy guy. Love me some Navy, Go Navy. Beat Army, 0:37:24.560 --> 0:37:28.200 and well, let's start with that. Let's start with whether 0:37:28.280 --> 0:37:29.719 or not the troops are going to get people are 0:37:29.719 --> 0:37:31.279 going to get paid in the military. I think it 0:37:31.320 --> 0:37:33.919 seems like they found the money, they said, which goes 0:37:33.960 --> 0:37:36.000 to show you the seriousness of the shutdown. Not that 0:37:36.360 --> 0:37:40.279 not paying our soldiers, sailors, and airmen and women and 0:37:40.560 --> 0:37:42.960 Coastguard for that matter, not a concern. But you know, 0:37:43.000 --> 0:37:46.080 they found the money somewhere, somewhere in the trillions of 0:37:46.120 --> 0:37:48.320 dollars and budget money that we have out there, Somewhere 0:37:48.360 --> 0:37:49.920 they found the money to be able to pay all 0:37:49.960 --> 0:37:52.400 the good men and women of our armed services. Allegedly, 0:37:52.480 --> 0:37:53.120 we'll find out. 0:37:54.880 --> 0:37:57.359 Yeah, that's what I've heard as well. I'm not sure 0:37:57.360 --> 0:38:01.120 about that. I understand that perhaps they're looking at least 0:38:01.120 --> 0:38:06.520 temporarily within the research and development section within what is 0:38:06.600 --> 0:38:09.319 now called the Department of War. But I've heard the 0:38:09.360 --> 0:38:09.839 same thing. 0:38:11.080 --> 0:38:12.360 But I agree. 0:38:12.360 --> 0:38:16.640 Well, I, you know, spent thirty seven years in the 0:38:16.719 --> 0:38:20.160 Navy all totally, I went through a number of those 0:38:20.160 --> 0:38:24.000 government shutdowns. And I also have a daughter who's currently 0:38:24.040 --> 0:38:27.279 serving on active duty as a combat engineer in the Army. 0:38:28.000 --> 0:38:31.040 And yeah, I can tell you from my own experience 0:38:31.080 --> 0:38:33.400 and from what my daughter has related is that our 0:38:33.440 --> 0:38:37.920 service members are focused first and foremost on accomplishing our mission. 0:38:38.800 --> 0:38:42.160 Yeah, but but you still need to get money in 0:38:42.200 --> 0:38:44.960 midble that you still have bills. Just because you're in 0:38:45.040 --> 0:38:46.759 the Armed Services doesn't mean you don't have. 0:38:46.719 --> 0:38:50.600 Bills absolutely, And unfortunately, you know, lack of a paycheck 0:38:50.600 --> 0:38:54.840 can be a significant distraction and from focused on mission 0:38:54.840 --> 0:39:00.760 and caused increased stress and concern. So anyone listening should 0:39:00.800 --> 0:39:04.239 reach out to their elected representatives encouraging them to support 0:39:04.480 --> 0:39:07.480 what's known as the Pay Our Troops Act HR fifty 0:39:07.480 --> 0:39:11.719 four oh one, and that's legislation that ensures military members 0:39:11.920 --> 0:39:16.319 including Coast Guard, will continue to receive pay during the 0:39:16.360 --> 0:39:20.920 government shutdown. And that's not a partisan request in any way. 0:39:21.000 --> 0:39:23.600 As a matter of fact, I also president of the 0:39:23.640 --> 0:39:26.400 Navy League Council here in Cincinnati, and we've pushed that 0:39:26.480 --> 0:39:29.600 information out to all of our members can encouraging them 0:39:29.640 --> 0:39:30.520 to do that as well. 0:39:31.360 --> 0:39:33.880 Glenn, has this a fact that at all you foresee 0:39:33.880 --> 0:39:38.120 it affecting VA healthcare programs for our veterans. 0:39:39.120 --> 0:39:42.440 Currently, that is not what we know at this point. 0:39:42.719 --> 0:39:46.719 Core VA benefits like disability pench and education payments are 0:39:46.760 --> 0:39:50.520 not currently affected by the government shutdown, and they should 0:39:50.920 --> 0:39:53.600 continue to be processed and delivered, at least that's what 0:39:53.960 --> 0:39:57.000 the VA is saying at this point. However, one of 0:39:57.040 --> 0:39:59.520 the things to shut down can impact is customer service 0:39:59.560 --> 0:40:03.840 and certain administrative functions. But in terms of those payments 0:40:03.880 --> 0:40:06.719 being processed from the VA, as far as we know 0:40:06.800 --> 0:40:08.799 right now, those are still being processed. 0:40:08.880 --> 0:40:10.720 Well, that's the probable We need to do that because 0:40:10.760 --> 0:40:12.480 we have as I know, I have to tell you 0:40:12.520 --> 0:40:15.880 because you're the head of the Hamma County Veteran Service Commission, 0:40:15.920 --> 0:40:18.279 but aging veterans, the number of those are growing two 0:40:18.360 --> 0:40:21.080 post nine to eleven service members. We know wait times 0:40:21.120 --> 0:40:23.400 are up at the VA as well. I hate to 0:40:23.400 --> 0:40:25.919 have this compound that. 0:40:25.920 --> 0:40:29.239 That's exactly right, and you know we here at the 0:40:29.320 --> 0:40:33.120 Hamilton County Veterans Service Commission. We serve more than thirty 0:40:33.120 --> 0:40:37.520 seven thousand veterans here in Hamilton County and their family 0:40:37.520 --> 0:40:42.680 members and so by veterans, those who have received their 0:40:42.719 --> 0:40:46.160 d D two fourteen, which is their certificate of release 0:40:46.239 --> 0:40:50.839 or discharge from active duty, and we're here to continue 0:40:51.120 --> 0:40:53.920 to help support them. While we are not the VA, 0:40:54.840 --> 0:40:58.200 we are here to help connect them. Our mission is 0:40:58.200 --> 0:41:01.560 to connect those veterans to re sources at the federal, state, 0:41:01.640 --> 0:41:03.799 and local level. So that's what we do here at 0:41:03.800 --> 0:41:05.000 the Veterans Service Commission. 0:41:05.200 --> 0:41:07.799 Yeah, in part of you know, we've talked about long 0:41:07.840 --> 0:41:12.880 wait times and in reporting of dated certain VA facilities. 0:41:12.880 --> 0:41:15.080 That that's part and parcel for the problem, I think too. 0:41:15.120 --> 0:41:17.719 But making sure that the VA can go on and 0:41:18.040 --> 0:41:20.600 taking care of the veterans that need that care and 0:41:20.640 --> 0:41:22.800 our leaning on that care just simply can't go away 0:41:22.840 --> 0:41:26.040 because of some silly government showdown as shutdown doesn't seem 0:41:26.040 --> 0:41:30.920 like that's the case, which is good news, yes for sure, Glenn. 0:41:30.920 --> 0:41:33.680 One are the other issues facing the veterans, to particular 0:41:33.680 --> 0:41:36.120 in Hamlin County is the issue of homelessness. We probably 0:41:36.120 --> 0:41:38.400 see that more in Hamlin County because it's, you know, 0:41:38.440 --> 0:41:40.920 one of the biggest counties in the state of Ohio, 0:41:41.160 --> 0:41:42.960 and I know that number nationally has gone off for 0:41:43.080 --> 0:41:45.640 seven percent. What do you guys doing there to combat 0:41:45.680 --> 0:41:47.520 that and how much of that are you seeing, especially 0:41:47.520 --> 0:41:48.359 with the winter months coming. 0:41:49.760 --> 0:41:53.120 Well, that's a great question. One of our core pillars 0:41:53.120 --> 0:41:56.480 here at the VSC is financial assistance, So we provide 0:41:56.560 --> 0:42:02.359 FINANI temporary financial assistance for veterans in need, and part 0:42:02.360 --> 0:42:07.880 of that is to include temporary housing. We also have relationships. 0:42:08.000 --> 0:42:09.640 As a matter of fact, we have a relationship with 0:42:09.760 --> 0:42:14.760 the owners of the Quality in Over on eighth Street, 0:42:14.760 --> 0:42:18.239 and there's an entire floor there, the sixth floor is 0:42:18.320 --> 0:42:22.800 dedicated to temporary veteran housing. We partner with hud that 0:42:24.120 --> 0:42:27.560 to help provide financing for that. So it's certainly a 0:42:27.600 --> 0:42:31.320 focus area of ours, and we're looking to continue to 0:42:31.560 --> 0:42:35.520 expand that, perhaps two other organizations that partner with them, 0:42:35.560 --> 0:42:39.600 for instance like Easter Seals, Redwoods and other veteran service 0:42:39.680 --> 0:42:41.200 organizations here in Hamilton County. 0:42:41.360 --> 0:42:43.960 Sounds like you guys are this boulder is rolling downhill 0:42:43.960 --> 0:42:45.759 in a good way because it wasn't that long. I 0:42:45.800 --> 0:42:47.680 don't bring up the pass, Glenn. This pre dates your 0:42:47.719 --> 0:42:50.279 service there at the Hamlin County Veteran Service Commission. But 0:42:50.360 --> 0:42:51.799 of course it was just about a couple of years 0:42:51.840 --> 0:42:54.480 ago where he had the scandal to kind of expose things. 0:42:54.520 --> 0:42:57.840 Things weren't being run correctly. Veterans were hanging in Limbo 0:42:57.920 --> 0:43:01.840 and Hamlin County. They couldn't get transportation, healthcare, and a 0:43:01.840 --> 0:43:03.680 bunch of you they get maybe a bus pass or 0:43:03.680 --> 0:43:06.520 something like that, and of course put strain on the 0:43:06.560 --> 0:43:10.080 other counties Claremont, Butler, Warren, et cetera too. I'm glad 0:43:10.080 --> 0:43:11.799 to see that things are changed and change for the better, 0:43:11.840 --> 0:43:13.280 because we're not talking about that anymore. 0:43:14.480 --> 0:43:16.960 Well, we are on an entirely new path, and I 0:43:17.000 --> 0:43:20.439 have to give credit to my predecessor, Orlando Sanza, who 0:43:20.480 --> 0:43:23.000 just did an amazing job of turning things around. You 0:43:23.080 --> 0:43:28.000 mentioned transportation. In June, we started a transportation service. We're 0:43:28.000 --> 0:43:30.120 getting our second van at the end of this month, 0:43:30.160 --> 0:43:33.880 and we take veterans from their front door right to 0:43:34.000 --> 0:43:39.120 their VA medical appointments, and so things are really really 0:43:39.160 --> 0:43:42.360 moving forward here. We're so lucky to have the support 0:43:42.400 --> 0:43:46.680 that we have from our county commissioners as well as 0:43:46.719 --> 0:43:51.680 our outstanding board of commissioners here within the Veterans Service Commission. 0:43:52.520 --> 0:43:56.120 We have also engaged in a significant amount of outreach, 0:43:56.200 --> 0:43:59.160 because if veterans don't know we're here and don't know 0:43:59.200 --> 0:44:02.080 what benefits we can provide to them, that we're not 0:44:02.120 --> 0:44:06.000 able to serve them. So so many things. As you said, 0:44:06.000 --> 0:44:08.520 the boulder is rolling and we want to keep pushing it. 0:44:08.760 --> 0:44:10.960 Yeah, we had Moss on the boulder. Before it may 0:44:11.000 --> 0:44:12.680 have been backing up on your hands, but now it's 0:44:12.719 --> 0:44:15.520 going downhill and it's gained speed and we're doing we 0:44:15.560 --> 0:44:17.440 have to write people like yourself and they're glens. I'm 0:44:17.440 --> 0:44:20.279 glad you're because I know what you did over Jay 0:44:20.480 --> 0:44:24.680 University and now as executi Director Hamlin County Veteran Service Commission. No, 0:44:24.719 --> 0:44:27.080 it's in good hands. I also know too, as a 0:44:27.120 --> 0:44:30.040 proud Navy man. Uh serve what thirty seven years you see? 0:44:30.040 --> 0:44:31.000 You know I was navy too. 0:44:32.480 --> 0:44:33.960 Oh, I did not know that. 0:44:36.960 --> 0:44:41.000 There were So I was stationed on the USS Abraham Lincoln. 0:44:41.000 --> 0:44:43.359 Are you familiar with that carrier CBN seventy. 0:44:43.040 --> 0:44:45.919 Two, I absolutely am, Yeah. 0:44:45.960 --> 0:44:48.920 So, uh it was I think five years ago. Uh, 0:44:49.160 --> 0:44:51.320 I flew in. It was a media thing. I flew 0:44:51.360 --> 0:44:52.759 in a buddy of mine, but a friend of a 0:44:52.800 --> 0:44:54.760 friend kind of thing is ahead of the Pacific Fleet 0:44:54.800 --> 0:44:58.920 to Pio, and I flew in, did some Navy training, 0:44:59.360 --> 0:45:02.160 got and flew in on the carrier on the Atlanta 0:45:02.200 --> 0:45:04.960 somewhere off the Carolina coast. Was on that ship for 0:45:05.280 --> 0:45:07.400 I think about twenty four hours and flew back. I 0:45:07.440 --> 0:45:08.640 was there for about so I was in the service. 0:45:08.760 --> 0:45:10.240 Really about the good three or four days. 0:45:12.239 --> 0:45:14.960 Well, thanks for your service, Well, thank you. 0:45:15.080 --> 0:45:17.480 Yes, it's good to be talking to a fellow seamen. 0:45:17.560 --> 0:45:20.080 And it's good, you know. And I will say that 0:45:20.480 --> 0:45:23.440 like you're thirty Seid America was never invaded in the 0:45:24.040 --> 0:45:27.080 twenty four hours I was aboard that ship, not invaded. 0:45:29.680 --> 0:45:31.759 I'm sure you'll be getting a cry thank you. 0:45:31.960 --> 0:45:34.360 For me, I would think so, I always think so. 0:45:34.640 --> 0:45:36.399 I'm not quite sure what that gets me. I think 0:45:36.440 --> 0:45:39.200 I get like free ice on Veterans Day with any 0:45:39.239 --> 0:45:42.160 soft drink is what I'm entitled to for my my 0:45:42.239 --> 0:45:45.719 twenty four hours of service. But spectacular though, in all seriousness, 0:45:45.719 --> 0:45:48.799 to see just how the Navy inside operates and what 0:45:48.840 --> 0:45:51.040 the Navy means too, because most people think, okay, well 0:45:51.040 --> 0:45:53.400 what the basically we are the police for We're the 0:45:53.480 --> 0:45:56.120 highway patrol of the seas, is what we are. If 0:45:56.440 --> 0:45:59.640 the US Navy seas to exist, all hell would break loose, 0:45:59.800 --> 0:46:02.719 all the shipping lanes would become for the pirates. You know, 0:46:02.840 --> 0:46:05.680 we saw what happened in Iran, remember the Somali pirates 0:46:05.960 --> 0:46:09.120 in that Tom Hanks movie. Of course, Captain Phillips, the 0:46:09.200 --> 0:46:11.279 Navy's the one that figures that stuff out. We make 0:46:11.320 --> 0:46:14.359 sure that your socks that you are darn Amazon, your 0:46:14.440 --> 0:46:17.080 socks are delivered on time every time. That's what the 0:46:17.160 --> 0:46:17.719 Navy does. 0:46:19.040 --> 0:46:22.399 Absolutely, We're insuring free trade across the globe, and we 0:46:22.440 --> 0:46:27.320 serve in every corner of the globe, and our sailors 0:46:27.360 --> 0:46:30.960 and marines are out there twenty four to seven below 0:46:31.280 --> 0:46:37.520 a pond and above the sea, ensuring prosperity for our 0:46:37.600 --> 0:46:39.399 nation and global security for all. 0:46:39.600 --> 0:46:41.480 It's really cool to see at firsthand the men and 0:46:41.520 --> 0:46:46.480 women aboard our Navy's ships at sea and those behind 0:46:46.520 --> 0:46:48.360 the scenes that do the training and everything else. And 0:46:48.360 --> 0:46:50.960 it's really eye opening for someone like me. And my 0:46:51.040 --> 0:46:53.640 dad was in the served four years in the Navy too, 0:46:53.760 --> 0:46:55.960 so that one hit home to me. I know also 0:46:56.080 --> 0:47:00.000 that the United States Navy probably the finest of all 0:47:00.080 --> 0:47:03.320 the armed services of the unit in the world. Celebrating 0:47:03.320 --> 0:47:06.360 the two hundred and fiftieth anniversary, two hundred and fifty 0:47:06.440 --> 0:47:08.840 years the Navy's been in existence. 0:47:09.600 --> 0:47:11.480 That's right. As a matter of fact, our birthday was 0:47:11.640 --> 0:47:17.520 yesterday and the Navy League is sponsoring our two hundred 0:47:17.520 --> 0:47:21.120 and fiftieth anniversary. Navy and Marine Corps Ball coming up 0:47:21.640 --> 0:47:26.239 next Saturday, October twenty fifth at the CentOS Center. So 0:47:26.280 --> 0:47:29.600 it's right between our birthday the thirteenth of October and 0:47:29.640 --> 0:47:31.759 the Marine Corps birthday on November tenth, and it's going 0:47:31.840 --> 0:47:36.360 to be a fantastic of and we're looking to have 0:47:36.600 --> 0:47:41.640 a great representation there from both services. And again, Scott, 0:47:41.760 --> 0:47:44.040 due to your extensive service in the United States Navy, 0:47:44.000 --> 0:47:46.600 we would love to have you come and participation. 0:47:46.760 --> 0:47:49.359 You sat for guest speakers. You have someone you've got 0:47:49.400 --> 0:47:51.080 like you got like a four star. What do you 0:47:51.120 --> 0:47:53.160 got you got a rear admiral or somebody speaking because 0:47:53.200 --> 0:47:56.319 of you know, I'm available. I talk about my days, 0:47:56.640 --> 0:47:57.600 my day at sea. 0:47:59.040 --> 0:48:02.440 That's a great question. So typically we have a single 0:48:02.440 --> 0:48:06.080 guest speaker, but because this event is representing both the 0:48:06.160 --> 0:48:08.440 Navy and the Marine Corps, we wanted to secure a 0:48:08.440 --> 0:48:12.040 guest speaker from each And folks may not know this, 0:48:12.160 --> 0:48:17.319 but eighty percent of our military force is enlisted. I 0:48:17.360 --> 0:48:20.919 was an enlisted guy for that period of time. So 0:48:21.040 --> 0:48:23.680 I reached out to the Master Chief Petty Officer of 0:48:23.680 --> 0:48:27.840 the Navy thirteen mckpond thirteen, a gentleman named Mike Stevens 0:48:27.840 --> 0:48:31.319 who is also the CEO of Navy League National and 0:48:32.080 --> 0:48:35.040 asked him first, and so he is coming in to 0:48:35.120 --> 0:48:39.400 represent the Navy. And then a retired Marine Sergeant Major 0:48:39.560 --> 0:48:43.319 Brian Battaglia, who was the senior and listened advisor to 0:48:43.360 --> 0:48:45.200 the Chairman of the Joint Chiefs and that is the 0:48:45.280 --> 0:48:50.800 highest ranking listed person in the entire US Armed Forces. Brian, 0:48:51.080 --> 0:48:54.720 Mike and I all three served in the Pentagon together, 0:48:55.360 --> 0:48:58.880 and Brian was the guest speaker at my Navy retirement, 0:48:58.920 --> 0:49:01.359 so I reached out to Brian, and so the two 0:49:01.920 --> 0:49:06.319 just incredibly outstanding gentlemen that we have coming in to 0:49:06.440 --> 0:49:08.480 be our guest speakers. They're going to talk about the 0:49:08.520 --> 0:49:12.160 importance of two hundred and fifty years for their individual branches. 0:49:12.560 --> 0:49:15.400 And as you may know, there's always some friendly barbs 0:49:15.480 --> 0:49:18.560 back and forth between the services, and especially the Navy 0:49:18.560 --> 0:49:21.640 and the Marine Corps. So they'll, I'm sure treat us 0:49:21.680 --> 0:49:24.120 to some of that friendly jousting as well. 0:49:24.239 --> 0:49:27.320 Yeah, at level, it's kind of like cops and firefighters 0:49:27.320 --> 0:49:29.520 when they get together, right, it's a battle between the two, 0:49:29.600 --> 0:49:32.759 but you're kind of on the same team Navy, Marine Corps. 0:49:32.840 --> 0:49:35.359 So it's a Saturday the twenty fifth sentas right at 0:49:35.400 --> 0:49:35.960 six o'clock. 0:49:37.280 --> 0:49:42.680 That's correct, six to eleven, and they'll be a pomp 0:49:42.719 --> 0:49:47.160 and circumstance both the Navy and the Marine Corps ceremonial 0:49:47.560 --> 0:49:51.880 activities related to it. Ceremonial cake cutting where we'll be 0:49:51.920 --> 0:49:56.840 honoring the youngest and oldest sailor and marine in the 0:49:56.880 --> 0:50:01.560 audience for the ceremonial cake cutting dinner followed by dancing. 0:50:01.680 --> 0:50:04.160 It's just going to be a wonderful, wonderful event. 0:50:04.280 --> 0:50:06.600 It's amazing, all right. Someone, if you're interested to hear this, 0:50:06.680 --> 0:50:09.640 maybe you're a Navy veteran or veteran of the United 0:50:09.680 --> 0:50:13.080 States Marine Corps, or I'm guessing just ordinary people like 0:50:13.120 --> 0:50:16.360 me can come to where you go for tickets Go. 0:50:16.280 --> 0:50:21.480 To Cincinnati Navy League dot com and that's the homepage 0:50:21.480 --> 0:50:23.880 for the Greater Cincinnati Council the Navy League, and scroll 0:50:23.920 --> 0:50:27.120 down you'll see the link to connect for tickets to 0:50:27.280 --> 0:50:27.720 the event. 0:50:27.800 --> 0:50:30.120 Right there, got it, all right? Chief, thanks a lot, 0:50:30.200 --> 0:50:34.600 Glenn Welling, retired Navy Master Chief, Executive Director, Hamlin County 0:50:34.760 --> 0:50:37.040 Veteran Service Commission. The event coming up on the twenty fifth, 0:50:37.040 --> 0:50:39.560 But glad to know that at the end of the day, 0:50:39.560 --> 0:50:41.680 here that no one will suffer who is serving our 0:50:41.719 --> 0:50:43.960 country or our family members when it comes to not 0:50:44.000 --> 0:50:46.520 getting a paycheck starting tomorrow in the fifteenth, because tomorrow's 0:50:46.520 --> 0:50:49.520 pay day. The eagle poops tomorrow. Hopefully it continues pooping 0:50:49.520 --> 0:50:52.000 for a while for people. I appreciate it. Thanks for 0:50:52.040 --> 0:50:53.480 your service, Glenn. Great to talk to you. 0:50:54.760 --> 0:50:55.520 Thank you, Scott. 0:50:55.719 --> 0:50:58.160 All right, people, well take care there you go. Notice 0:50:58.200 --> 0:50:59.879 I did not get from Glenna. Thank you for your 0:51:00.360 --> 0:51:03.759 But that's okay, that's all right. That's I'm not going 0:51:03.800 --> 0:51:05.640 to say it was a difficult twenty four hours, but 0:51:06.040 --> 0:51:10.200 well I can't. I can't divulge that we've got news 0:51:10.200 --> 0:51:13.400 on the way in about five minutes and coming up 0:51:13.400 --> 0:51:18.319 on the show on seven hundred WLWT. Missophonia. Do you 0:51:18.320 --> 0:51:21.920 know what that is? Miso phonia? Maybe it's miso miso something, 0:51:22.200 --> 0:51:26.640 miso phonia. You might have it, and you might go, wow, 0:51:26.680 --> 0:51:28.640 I didn't know there was a name for what it 0:51:28.719 --> 0:51:30.279 is that I have. And but it's not one of 0:51:30.280 --> 0:51:33.120 those Hey, this isn't a gonna be a twenty minute 0:51:33.160 --> 0:51:36.120 commercial for some sort of pharmaceutical product that you don't need. 0:51:36.320 --> 0:51:39.480 They'll turn Yeah, it's gonna solve your misso phonia. But 0:51:39.520 --> 0:51:42.880 it's going to make your eyegrash, eyelashes grow down your armpits. 0:51:42.880 --> 0:51:44.239 It's not anything like that. I don't know if there's 0:51:44.239 --> 0:51:46.400 a side of it's really interesting. We finally have a 0:51:46.480 --> 0:51:48.160 name for something a lot of us suffer from. What 0:51:48.320 --> 0:51:50.640 is that? We'll get to it right afternoon. Sloaney continues 0:51:50.760 --> 0:51:57.200 on seven hundred WWT Cincinnati Slaney here, seven hundred WLW. 0:51:57.360 --> 0:52:00.560 Well it She didn't make it public till Friday, so 0:52:00.760 --> 0:52:03.960 I really didn't feel comfortable talking about it until she 0:52:04.239 --> 0:52:07.239 was fine with it, and I talk about normally at 0:52:07.239 --> 0:52:09.279 this time. On Tuesday, Thursday, Tip Potter comes oft us 0:52:09.320 --> 0:52:12.399 three things and maybe you heard maybe didn't hert anyone? 0:52:12.440 --> 0:52:16.200 And social there are some positions eliminated production of force, 0:52:16.239 --> 0:52:19.799 which is fairly common in our industry and common maybe 0:52:19.800 --> 0:52:23.520 in yours as well too. It's happening with impunity across 0:52:23.560 --> 0:52:25.840 other sectors, just the nature of the e commune, like 0:52:25.920 --> 0:52:29.399 and tiff and well Tony Pike from ESPN fifteen thirty 0:52:29.440 --> 0:52:31.160 no longer with us. And it's it's kind of sad 0:52:31.200 --> 0:52:33.920 because she wanted me to a couple things. I mean, 0:52:33.920 --> 0:52:36.160 she's a friend and I think she's awesome and one 0:52:36.160 --> 0:52:38.279 of the hardest working people I know, and kind of 0:52:38.280 --> 0:52:40.200 a ray of sunshine you need that these days. She's 0:52:40.200 --> 0:52:42.320 just done like up beat. We may disagree on some things, 0:52:42.360 --> 0:52:46.239 but you know, more like a father daughter kind of 0:52:46.480 --> 0:52:50.759 sort of disagreement relationship too, But you know, in fact 0:52:50.760 --> 0:52:54.200 of Mather remains. That's the cold reality of business in 0:52:54.239 --> 0:52:57.520 today's business world, today's business climate. It's tough, and you're 0:52:57.520 --> 0:53:00.680 seeing that where you work, I'm sure, but she I know, 0:53:00.719 --> 0:53:02.680 she did want me to express how grateful she was 0:53:02.719 --> 0:53:04.719 for people reached out to her and friended her on 0:53:04.760 --> 0:53:07.799 social and everything else too, and she enjoyed her her 0:53:07.840 --> 0:53:11.000 time doing that. So that's it's kind of sad to 0:53:11.040 --> 0:53:13.080 do that without her now, and because we've done it 0:53:13.080 --> 0:53:15.080 for a few year, like four or five, five years now, 0:53:15.120 --> 0:53:18.399 I think, And so it goes, you know, just another 0:53:18.440 --> 0:53:20.040 one of those things. And you hang around long enough 0:53:20.040 --> 0:53:21.520 like I have, you start to see that and go 0:53:21.840 --> 0:53:23.839 just it does kind of drain on you. But it's 0:53:23.880 --> 0:53:27.920 the it's the reality of things, for sure. So she's missed. 0:53:27.920 --> 0:53:31.840 I want to know she's missed. It's called miso phonia, 0:53:32.760 --> 0:53:35.520 misso phonia affects one in five people. What the hell 0:53:35.600 --> 0:53:37.439 is that? Unless you you know my teas, I said, 0:53:37.440 --> 0:53:39.920 I'll talk about misophonia coming up. Maybe it's meso or 0:53:39.960 --> 0:53:43.000 miss so. I think it's mesophoonia M I S O 0:53:43.120 --> 0:53:47.120 P H O N I A. And it's an aversion 0:53:47.160 --> 0:53:51.279 to specific sounds like, for example, chewing or sniffing or 0:53:51.320 --> 0:53:53.200 breathing sounds or whatever. It might be. One in five 0:53:53.239 --> 0:53:56.600 people suffer from it. I think I kind of do too. 0:53:57.640 --> 0:53:59.360 And maybe he said, ah, I didn't know there's a 0:53:59.440 --> 0:54:03.560 name for that. Certain sounds that trigger intense, negative emotional 0:54:03.640 --> 0:54:07.120 or physical reactions. Some people have feelings of anger or 0:54:07.160 --> 0:54:09.440 anxiety or disgust panic when you hear one of these 0:54:09.440 --> 0:54:12.359 trigger sounds, like, for example, if you listen to someone 0:54:12.440 --> 0:54:16.040 chewing or slurping or lip smacking, or someone who sniffles 0:54:16.080 --> 0:54:19.480 a lot or breathes heavily or yeah, maybe it can 0:54:19.520 --> 0:54:22.800 be like a repetitive sound like someone like keyboards tapping 0:54:22.920 --> 0:54:27.040 or somebody's pen clicking, those kind of things. I think 0:54:27.080 --> 0:54:31.400 for me, if I had one, I've probably got a few. 0:54:32.040 --> 0:54:32.239 Now. 0:54:32.360 --> 0:54:35.160 Clippers are kind of like people go nails on a chalkboard. 0:54:35.160 --> 0:54:38.080 That's a very common one, but like now clippers for me, 0:54:40.160 --> 0:54:43.879 when we have ads either on streaming or broadcast or 0:54:43.920 --> 0:54:46.200 on the radio and someone's whispering like you know what 0:54:46.200 --> 0:54:48.239 it was that as d R R DA what you 0:54:48.280 --> 0:54:50.720 know I'm talking about. Like people, it's like a sexual 0:54:50.760 --> 0:54:53.719 thing for them to hear someone like the microphone holding 0:54:53.840 --> 0:54:56.640 up eating a taco very close to microphone. You can 0:54:56.680 --> 0:55:00.640 hear them that like yeah, that that that. It gets 0:55:00.719 --> 0:55:03.600 under my skin a little bit too. But the problem 0:55:03.600 --> 0:55:07.360 and maybe it's not full blow and misstlephonia, the reactions 0:55:07.360 --> 0:55:09.719 are disproportionate to what's going on because normally go, okay, 0:55:09.719 --> 0:55:13.239 someone's clearing the throat, but your reaction is I want 0:55:13.280 --> 0:55:16.920 to kill this person. And it's really a thing too. 0:55:17.000 --> 0:55:20.680 It's diagnosed. Your body responds to it, so you have 0:55:20.760 --> 0:55:23.879 like it's basically a fight or flight response, and they 0:55:23.920 --> 0:55:25.520 measured it and you know, your heart rate, your blood 0:55:25.520 --> 0:55:28.080 pressure can go up. You may have difficulty concentrating, which 0:55:28.080 --> 0:55:30.560 is the one for me that's more by ADHD than 0:55:30.640 --> 0:55:33.239 anything else. But if I hear someone doing something repetitive 0:55:33.360 --> 0:55:35.440 like that and one of those things, it's like that's 0:55:35.480 --> 0:55:39.239 all you hear the room, and it may lead to 0:55:39.520 --> 0:55:42.600 strained relationships with people close to you, including family members 0:55:42.680 --> 0:55:45.080 or spouses for that. And so they say it starts 0:55:45.120 --> 0:55:49.440 in childhood or early adolescence, and it's more neurological than anything. 0:55:49.520 --> 0:55:51.880 Not quite sure. They don't understand the exact mechanism of 0:55:51.880 --> 0:55:54.280 how it comes. But there may be an abnormal connection 0:55:54.320 --> 0:55:58.560 between what you hear and the limbic system, which is 0:55:58.600 --> 0:56:00.640 the part of your body the processes of and there 0:56:00.640 --> 0:56:04.400 may be something that's just disconnected there. And yeah, it 0:56:04.440 --> 0:56:07.080 can impact your quality of life. And it's one of 0:56:07.080 --> 0:56:10.200 those things they say, Well, you just simply you can't 0:56:10.200 --> 0:56:12.040 get over it. So now you know it's a name 0:56:12.080 --> 0:56:14.720 for something. Maybe you have it, maybe you know someone 0:56:14.719 --> 0:56:17.560 who does, and now maybe it gives you a greater sense. Now, 0:56:17.760 --> 0:56:24.440 as far as I know, there is no pharmaceutical concoction 0:56:24.760 --> 0:56:26.960 yet made to battle. Maybe there is, maybe they're using 0:56:27.040 --> 0:56:29.280 something off label, but there's I've not seen a commercial 0:56:29.880 --> 0:56:33.160 where happy people are dancing around a I don't know. 0:56:33.200 --> 0:56:34.840 It looks like a food court or something like that, 0:56:34.880 --> 0:56:38.319 an outdoor picnic with all these pretty colors dancing around 0:56:38.360 --> 0:56:41.359 in circle, singing about the benefits of the drug. It's 0:56:41.360 --> 0:56:44.399 going to curb your misophonia. Maybe it exists, I'm not sure, 0:56:44.400 --> 0:56:45.960 but I have not seen the ad for it yet. 0:56:46.480 --> 0:56:48.759 I'm not sure we will. But now you know what 0:56:48.840 --> 0:56:50.879 it is, and if you know someone to say, could 0:56:50.880 --> 0:56:53.760 you not do that? It's not just them being a jerk, 0:56:54.239 --> 0:56:59.240 is actual science behind. It's just like it's causing them 0:56:59.719 --> 0:57:02.600 a lot harm and it might be tied to autism. 0:57:03.120 --> 0:57:06.040 So I don't know. Maybe Tyland Ulstable, I'm not sure. 0:57:06.239 --> 0:57:08.200 I don't know. I don't know. 0:57:12.280 --> 0:57:13.480 No on again, I don't If I have time to 0:57:13.480 --> 0:57:15.680 get in this same I probably should. This is making 0:57:15.719 --> 0:57:19.720 the rounds on social and I have not seen it 0:57:19.760 --> 0:57:22.000 in my neighborhood, although I just moved to an neighborhood. 0:57:22.000 --> 0:57:24.840 Maybe there's there's hope still. How would you handle the situation, 0:57:25.080 --> 0:57:29.160 because apparently it's a growing thing, a trend of kids 0:57:29.360 --> 0:57:31.920 this time of year. Halloween's coming up, and what do 0:57:31.920 --> 0:57:33.640 you hand out at Halloween? You hand out hopefully some 0:57:33.680 --> 0:57:36.000 candy please, I hope you're not hand on a bucket 0:57:36.040 --> 0:57:39.240 of change or like an apple still or something like that. 0:57:41.760 --> 0:57:46.080 There's a trend now of kids expecting full sized candy 0:57:46.120 --> 0:57:50.080 bars instead of the fun sized candy bars, and some 0:57:50.160 --> 0:57:53.600 households are spending well over two hundred dollars on that candy. 0:57:54.680 --> 0:57:56.320 I don't know what my candy budget is, but I 0:57:56.400 --> 0:57:58.680 know it's not two hundred dollars. I know it's probably 0:57:58.720 --> 0:58:02.600 not one hundred dollar. But I'm in that place now. 0:58:02.720 --> 0:58:04.160 I got to ask some neighbors and go, hey, how 0:58:04.240 --> 0:58:07.240 many kids come rolling by here? Because I don't want 0:58:07.240 --> 0:58:09.240 to be running out of candy. I want to I 0:58:09.240 --> 0:58:11.120 don't want to run out of candy. I also don't 0:58:11.120 --> 0:58:13.720 want to have too much leftover candy because you know 0:58:13.720 --> 0:58:16.360 what happens to the leftover candy. I eat the candy, 0:58:16.720 --> 0:58:20.439 and that's a problem. And that's a problem. But I'm 0:58:20.520 --> 0:58:23.280 just wondering what neighborhood is it where kids are expecting 0:58:24.200 --> 0:58:27.120 full sized candy bears. I know occasionally there are people 0:58:27.120 --> 0:58:31.360 that hand out full sized candy bars. Probably a nicer neighborhoods, 0:58:31.400 --> 0:58:33.160 or unless you know you're the Reese's guy that used 0:58:33.200 --> 0:58:35.479 to hook us up here and you have an olement 0:58:35.520 --> 0:58:37.600 supply of Reese as well, you're gonna have out races. 0:58:37.840 --> 0:58:39.720 I had a neighbor one time that worked I think 0:58:39.800 --> 0:58:42.720 for the lays like the Potato Chip Company and heat 0:58:42.720 --> 0:58:45.640 out bags, like, you know, not not the full sized bags, 0:58:45.680 --> 0:58:48.720 but the lunch bag sizes of chips, which is kind 0:58:48.720 --> 0:58:52.200 of a nice thing. But now kids are demanding, expecting 0:58:52.320 --> 0:58:55.440 full sized candy bears and what does that look like. Well, 0:58:55.440 --> 0:58:58.320 apparently instead of you had them a bag a candy 0:58:58.520 --> 0:59:01.520 and you had them a you know, Snickers, let's say 0:59:01.560 --> 0:59:05.760 fun size snickers. Instead of saying thank you, they they're 0:59:05.800 --> 0:59:09.480 demanding like, well, I don't like that, I don't like that. 0:59:09.560 --> 0:59:12.919 I want skittles, or do you have nerds? Or yeah, 0:59:12.960 --> 0:59:17.600 it's not a convenience star. And apparently this has hit 0:59:17.600 --> 0:59:20.520 a nerve and it's kind of one of those things 0:59:20.520 --> 0:59:22.600 that's become a buzz on social media that parents and 0:59:22.640 --> 0:59:25.920 homeowners are saying. Kids are just demanding that you go 0:59:25.960 --> 0:59:27.440 get you get them the candy that they like, not 0:59:27.520 --> 0:59:29.800 the one that you're handing out, which you know is 0:59:29.880 --> 0:59:33.760 reflection back to our parenting that we and we said better. 0:59:33.800 --> 0:59:35.160 I don't know if it was actually true back in 0:59:35.200 --> 0:59:37.360 the day. I know, when my mom had cooked dinner, 0:59:37.360 --> 0:59:39.360 this is what's for dinner, and maybe there's something you 0:59:39.400 --> 0:59:41.200 didn't like, Well you didn't eat it, or you tried 0:59:41.240 --> 0:59:43.160 to pretend to eat it. And you'reford, this is what's dinner, 0:59:43.200 --> 0:59:45.280 and then by the time you're a parent, was like, okay, 0:59:45.440 --> 0:59:47.360 well this one wants chicken nuggets and this one wants 0:59:47.400 --> 0:59:49.720 a hot dog, and then okay, I gotta make this 0:59:49.720 --> 0:59:51.919 for un and it winds up being like a shorter cook. 0:59:53.200 --> 0:59:54.920 But we are the parents that let them down this. 0:59:54.960 --> 0:59:57.360 So I can't help but think that if this is that, 0:59:57.840 --> 1:00:00.240 this is what we set ourselves up for. Now kids 1:00:00.240 --> 1:00:02.600 are making it. Rather than being happy they're getting candy 1:00:02.640 --> 1:00:04.760 at Halloween, which is a one day a year kind 1:00:04.760 --> 1:00:08.600 of thing outside of maybe Easter. Now they're actually making 1:00:08.640 --> 1:00:11.479 requests for what it is that should be in their bag. 1:00:11.600 --> 1:00:13.640 And I'm sorry, you know how I deal with that. 1:00:13.920 --> 1:00:16.120 I wouldn't be like, well, I think it was. I 1:00:16.160 --> 1:00:18.080 was reading the story. It's like Kelly Ripper or somebody 1:00:18.120 --> 1:00:21.200 was talking about this on their show and said that 1:00:21.280 --> 1:00:24.440 now they're going to hand out opaque bag so the 1:00:24.480 --> 1:00:26.520 kids can't choose. Like, here's a bag and there's candy 1:00:26.520 --> 1:00:28.640 in it, So good luck with that, whatever it is. 1:00:28.720 --> 1:00:32.640 You open it later, like you know what, Now on 1:00:32.680 --> 1:00:34.880 top of the two hundred dollars, I gotta put each 1:00:34.920 --> 1:00:37.800 piece of candy in a bag because this dipstick from 1:00:37.840 --> 1:00:40.640 up the street doesn't like Snickers or Hershey's or whatever. 1:00:40.640 --> 1:00:44.160 It is the easy way to solve that. Now you 1:00:44.160 --> 1:00:47.520 don't get none, you get nothing. Oh yeah, you're right, 1:00:47.520 --> 1:00:50.800 I only have Snickers. Well I don't like Snickers. Okay, 1:00:50.880 --> 1:00:55.160 well guess what I do? See yah? Now, if they're 1:00:55.200 --> 1:00:59.040 persistent little craps, I mean I suppose you could tell 1:00:59.040 --> 1:01:01.320 them depending on the age, No, that's what we have here. 1:01:01.320 --> 1:01:02.680 If you don't like, you don't have to take one, 1:01:02.720 --> 1:01:05.680 it's fine. Or maybe give it to your brother or sister. 1:01:05.760 --> 1:01:07.640 I'm sure your mom and dad eat or something like that. 1:01:07.720 --> 1:01:09.840 It's it's fine. I don't think i've ever had that 1:01:09.880 --> 1:01:13.840 where the kid's like what is that? That's terrible because 1:01:13.880 --> 1:01:16.160 generally it's like, you know, we tend to do I 1:01:16.160 --> 1:01:18.880 don't know whatever, I know, kiss with the fruit, flaffored 1:01:18.920 --> 1:01:21.080 stuff whatever. You're not gonna keep everybody happy. There's a 1:01:21.160 --> 1:01:23.080 lesson for you there, right. If you're kind of old 1:01:23.080 --> 1:01:25.760 school like me, like, you're not gonna keep everybody happy. 1:01:25.760 --> 1:01:27.080 You're not gonna get what you want all the time. 1:01:27.120 --> 1:01:30.480 This is not how life works. Rather than grateful and thankful, 1:01:30.520 --> 1:01:32.560 it's like, you know, I don't have to give you candy, right. 1:01:32.800 --> 1:01:35.240 You know this is there's no written contract anywhere it 1:01:35.240 --> 1:01:37.440 says on Halloween, I have to open my door and 1:01:37.520 --> 1:01:41.760 give your unappreciative little little smart ass anything for that matter. 1:01:42.160 --> 1:01:43.760 Matter of fact, hold on a second, reach down to 1:01:43.760 --> 1:01:45.960 her bucket. I'm taking candy because you're such a jerk. 1:01:47.320 --> 1:01:51.720 That's not a message. Who's next? Let the word get 1:01:51.720 --> 1:01:53.760 around in the neighborhood. Sloan's not to be messed with. 1:01:53.840 --> 1:01:56.400 Churse my house, just say my house to be called 1:01:56.440 --> 1:01:59.200 recovered in toilet paper. But that's probably got today. A 1:01:59.240 --> 1:02:05.720 kid's probably more like just to shoot you. Wait a minute, 1:02:05.720 --> 1:02:07.440 we used to tepee and soap, so, you know, let 1:02:07.440 --> 1:02:09.680 the air out of somebody's carts. Something like a flaming 1:02:09.960 --> 1:02:11.560 bag of dog crap on the front of No. No, 1:02:11.680 --> 1:02:13.640 I just get like a dry bile to light my 1:02:13.680 --> 1:02:16.520 house up with an ak Why because I gave them 1:02:16.520 --> 1:02:20.280 a Hershey's instead of a Snickers. And some people are 1:02:20.400 --> 1:02:23.760 reporting that those who leave candy out, you know the 1:02:23.800 --> 1:02:26.960 honor bar system, sometimes find everything stolen. I've kind of 1:02:26.960 --> 1:02:28.800 heard of that as well. I wonder if it's the 1:02:28.840 --> 1:02:31.000 little kids and not just like the big kids. Somebody 1:02:31.000 --> 1:02:33.840 being stupid, But why would you steal like you put 1:02:33.840 --> 1:02:35.560 the you put a bowl of candy out there, they 1:02:35.640 --> 1:02:38.720 take the bowl and everything, and in some cases are 1:02:38.760 --> 1:02:41.960 committing vandalism. So I just I don't understand that. The 1:02:42.040 --> 1:02:44.600 lack of I guess we would call that manners just 1:02:44.680 --> 1:02:46.960 kind of a broader failure to teach kids manners and 1:02:47.000 --> 1:02:49.440 gratitude and being thingful and mindful of all those things 1:02:49.440 --> 1:02:52.480 that later in life we wished we had but we don't. 1:02:52.560 --> 1:02:55.200 So I don't know. I just wonder how many neighborhoods 1:02:55.200 --> 1:02:58.680 that's actually occurring in as to where the kids are 1:02:58.720 --> 1:03:01.320 demanding full sized candy birds. I can't imagine a lot 1:03:01.360 --> 1:03:03.840 of places around so, because again I bring this back 1:03:03.840 --> 1:03:06.360 to Calli Rippa, I'm guessing that I don't know if 1:03:06.400 --> 1:03:08.480 Kelli Rippa or maybe one of her man servants are 1:03:08.480 --> 1:03:10.240 the ones handing the candy out and she's getting the 1:03:10.240 --> 1:03:14.960 second or third hand. I'm not sure. However, I wonder 1:03:14.960 --> 1:03:17.320 how many places around Cincinnati where this is actually happening, 1:03:17.520 --> 1:03:19.640 because I would love to hear that one or demanding 1:03:19.720 --> 1:03:21.840 full sized candy bars. You'd lose your mind if you 1:03:21.880 --> 1:03:23.320 went to a house and the candy to a full 1:03:23.320 --> 1:03:26.160 sized candy bear. I don't know how we communicated as 1:03:26.240 --> 1:03:28.760 kids back in the day, but it take about five 1:03:28.840 --> 1:03:31.400 minutes for the entire neighborhood to know that this house 1:03:31.480 --> 1:03:34.560 is handing out full sized candy bars. And we didn't 1:03:34.600 --> 1:03:36.320 have cell phones, you know, like texting your buddies and 1:03:36.360 --> 1:03:38.160 everything else. I don't know how the words spread, but 1:03:38.240 --> 1:03:41.160 the word spread like literally within a few minutes the 1:03:41.200 --> 1:03:43.080 whole it was around the neighborhood. I just I have 1:03:43.160 --> 1:03:46.280 no idea how we how what our chaining communication was then. 1:03:46.960 --> 1:03:50.280 It was probably like a game of telephone. But still 1:03:50.320 --> 1:03:53.440 it was still remarkably fast. As I recall, remarkably fast. 1:03:53.640 --> 1:03:56.120 It's slowly on the Big One seven hundred WLW coming 1:03:56.200 --> 1:03:58.720 up at eleven oh seven on the show, Kirk Couchman 1:03:58.800 --> 1:04:01.680 is here from Americans for Prosperity. And as I watched 1:04:01.680 --> 1:04:05.560 speaker Johnson and my notored speaker Jeffrey speak, and I again, 1:04:05.560 --> 1:04:08.200 I don't know hear what they're saying. I don't know 1:04:08.240 --> 1:04:09.440 what the words will come out of their mouth, but 1:04:09.440 --> 1:04:11.200 it probably was a lot of blah blah blah about 1:04:11.200 --> 1:04:13.640 the shutdown that's going to continue with knowing insight while 1:04:13.680 --> 1:04:15.800 the other side is wrong and we're right. Democrats are 1:04:15.840 --> 1:04:18.760 digging their heels and over healthcare, Republicans are digging their 1:04:18.760 --> 1:04:20.400 heels in and saying, well, they're the ones who shut 1:04:20.400 --> 1:04:22.400 it down because they want to hold this hostage. And 1:04:22.600 --> 1:04:24.520 I'm not quite sure who's right or who's wrong on this. 1:04:24.600 --> 1:04:27.440 If you're dining the Will red or did Ina will blue, 1:04:27.480 --> 1:04:30.160 you're siding with your team. Yeah, my team. Great. What 1:04:30.200 --> 1:04:32.680 it gets is it's course more deficit, more spending. And 1:04:32.680 --> 1:04:35.120 that's the thing that kills us all is it. The 1:04:35.160 --> 1:04:37.840 longer and the more often we shut governments down, the 1:04:37.840 --> 1:04:40.600 more money it costs us, which of course drives up 1:04:40.640 --> 1:04:44.320 inflation of Couse, the money goes up, the chance of 1:04:44.400 --> 1:04:48.000 us becoming insolvent gets closer and closer, meaning we're what 1:04:48.080 --> 1:04:50.600 thirty seven trillion dollars plus in debt and that clock 1:04:50.680 --> 1:04:52.520 is ticking. Every day we shut the government down, it 1:04:52.560 --> 1:04:54.320 adds a trillion and a half to it. So we 1:04:54.320 --> 1:04:56.080 can keep it over seven weeks and do it all 1:04:56.080 --> 1:04:57.560 over again. So that makes sense to you, It doesn't 1:04:57.600 --> 1:05:00.560 make sense to anybody I know, And I don't know 1:05:00.600 --> 1:05:02.360 how you can root one side or the other saying yeah, 1:05:02.360 --> 1:05:03.800 they're doing the right thing, you're not doing the right 1:05:04.360 --> 1:05:07.880 there's irresponds enough irresponsibile to go around his proposals. Many 1:05:07.920 --> 1:05:10.200 are so why don't we just have a balanced budget amendment? 1:05:10.240 --> 1:05:12.120 I think the closest we were to this was I 1:05:12.160 --> 1:05:15.160 want to say, in the mid nineties, and we just 1:05:15.240 --> 1:05:17.600 couldn't get it over the line. Now, the argument against us, 1:05:17.640 --> 1:05:19.760 of course, would be, well, what happens if something big? 1:05:19.880 --> 1:05:21.640 What happens if we have COVID? We got to borrow 1:05:21.680 --> 1:05:24.439 money in order to pay people not to work, which 1:05:24.440 --> 1:05:26.400 I'm silly now, but during COVID it made sense at 1:05:26.480 --> 1:05:28.240 least for you know, a period of months, Like you, 1:05:28.760 --> 1:05:30.000 we don't know what's going on here, we're going to 1:05:30.000 --> 1:05:32.400 shut it all down. That was an emergency. War in 1:05:32.440 --> 1:05:35.520 a number we get attacked September eleventh attack, Okay, that's 1:05:35.520 --> 1:05:39.760 an emergency. We may need to borrow some money. Well this, 1:05:39.760 --> 1:05:43.440 this hurts that effort. If indeed we continue on the 1:05:43.440 --> 1:05:45.160 path we are of course the cry as well if 1:05:45.160 --> 1:05:47.160 we have a balance, but that means we can't borrow them. 1:05:47.160 --> 1:05:49.200 I think there's a workaround for that. I really do, 1:05:49.880 --> 1:05:52.360 I really do, And We'll get to Kurt Couchman about 1:05:52.360 --> 1:05:54.400 that in just a few minutes. Here right after news 1:05:54.480 --> 1:05:56.640 at eleven o six on the Scotsland Show on seven 1:05:56.720 --> 1:05:59.720 hundred WW on the Halloween candy thing. Nancy here on 1:05:59.720 --> 1:06:00.000 the show. 1:06:00.040 --> 1:06:05.000 Good morning, Okay, good morning sun. What are your thoughts 1:06:05.000 --> 1:06:07.480 on treats instead of candy? 1:06:07.640 --> 1:06:08.000 What do you mean? 1:06:08.080 --> 1:06:08.680 What's a treat? 1:06:08.800 --> 1:06:08.920 Like? 1:06:09.080 --> 1:06:11.520 Are you talking about like not candy corn? Like like 1:06:11.640 --> 1:06:16.240 not a candy bar? But what what are we talking? Cupcake? Cookie? 1:06:17.080 --> 1:06:17.160 No? 1:06:17.600 --> 1:06:20.160 I know, not not home big goods, right, but like 1:06:20.720 --> 1:06:23.840 trink it's like the leftover things you have to buy 1:06:23.920 --> 1:06:27.600 for your kid's birthday party, little favors, things like that. 1:06:28.160 --> 1:06:29.800 I don't think those are bad. I don't think. I mean, 1:06:29.840 --> 1:06:31.560 if it's a decent one, I don't think it's if 1:06:31.600 --> 1:06:34.400 it's the if it's the really cheap spider ring, you 1:06:34.400 --> 1:06:36.160 know what I'm talking about? That that's a no go. 1:06:36.320 --> 1:06:40.280 But something decent, Yeah, I go for that. Yeah it's 1:06:40.280 --> 1:06:41.440 got Now what do you got to mind? 1:06:41.440 --> 1:06:41.840 What do you got? 1:06:41.920 --> 1:06:44.120 What if I come to your house Nancy dressed as 1:06:44.160 --> 1:06:47.280 a spider Man or I don't know, maybe I'm gonna 1:06:47.280 --> 1:06:49.400 go as Taylor Swift. This year, I haven't decided what 1:06:49.440 --> 1:06:50.400 would you put in my bag? 1:06:52.920 --> 1:06:53.800 Well, I don't know. 1:06:53.960 --> 1:06:56.840 Like I had all these leftover birthday favors and things 1:06:56.920 --> 1:06:59.400 last year, so I set them out on one side 1:06:59.400 --> 1:07:01.200 and I said hand be out on the other side, 1:07:01.240 --> 1:07:02.920 and I let the kids choose but sad to take 1:07:03.000 --> 1:07:06.800 whatever you want. And it was astonishing. Almost every kid 1:07:06.880 --> 1:07:11.120 chose the small toy or trinket, you know. Like one 1:07:11.160 --> 1:07:13.320 thing was like that balloon that has a rubber band 1:07:13.360 --> 1:07:15.360 on it. You blow it up and then you punch it. 1:07:15.640 --> 1:07:20.960 Oh yeah, yeah, my house. He lost it, all right, 1:07:21.000 --> 1:07:23.520 that's pretty cool. So what what was a candy option? 1:07:23.560 --> 1:07:23.760 Though? 1:07:26.760 --> 1:07:27.880 You know, a typical mix. 1:07:28.000 --> 1:07:30.280 I like to do a suffer like a blow pop 1:07:30.360 --> 1:07:32.680 and some skittle. I don't make the chocolate and the 1:07:32.800 --> 1:07:35.640 and the flavored candy together because it makes it all taste. 1:07:35.920 --> 1:07:37.880 Yeah, yeah, yeah, I get that. Yeah, Okay, So that's 1:07:37.920 --> 1:07:39.960 a good I mean, that's a it's a buffet. You 1:07:40.000 --> 1:07:42.440 gave kids a selection. Did any kid complain that you 1:07:42.440 --> 1:07:43.800 didn't have a full sized candy bar? 1:07:45.760 --> 1:07:49.120 No, but the parents said no, absolutely not Halloween, it's 1:07:49.240 --> 1:07:50.520 for cans. 1:07:50.000 --> 1:07:54.480 And put the parents. The parents complained that you were 1:07:54.480 --> 1:07:56.320 handing out Chotsky's instead of candy. 1:07:58.880 --> 1:08:01.760 Yeah, it was unbelieve And so I don't know. You're right, 1:08:01.800 --> 1:08:02.560 it's the parenting. 1:08:02.640 --> 1:08:05.200 We're said in the example here, So I don't know. 1:08:05.360 --> 1:08:07.160 You know, I did the same thing this year. Nancy 1:08:07.200 --> 1:08:09.120 had a little experiment for it. Do the same thing 1:08:09.200 --> 1:08:11.640 here and and said, and when a parent complaints, say, 1:08:11.640 --> 1:08:14.400 guess what you tell the kid, because because your parent 1:08:14.520 --> 1:08:18.120 was rude and mean, you're not getting any candy. Turn 1:08:18.160 --> 1:08:19.800 that thing around on them. 1:08:20.000 --> 1:08:25.120 Oh no, it's a happy Halloween for all right. 1:08:25.200 --> 1:08:30.320 I don't know, but adult, your parents cost your candy. 1:08:30.400 --> 1:08:32.280 Nancy put it on them, make them say you know 1:08:32.400 --> 1:08:34.160 what you want that? Have them go take them to 1:08:34.160 --> 1:08:35.720 the store. Now get out of here before I turn 1:08:35.760 --> 1:08:43.040 the sprinkler on you. I like happy, happy Halloween kids, 1:08:43.240 --> 1:08:46.800 not get the hell out of here. Scott's shoe. One 1:08:46.840 --> 1:08:49.439 of the best Bengals coverage we got Thursday night football 1:08:49.479 --> 1:08:51.120 in town here at pay Corps and you'll hear it. 1:08:51.280 --> 1:08:52.920 I don't know what the best Bengals coverage seven hundred 1:08:53.000 --> 1:08:53.879 w W Since. 1:08:53.920 --> 1:08:56.120 You want to be an American. 1:08:56.760 --> 1:09:02.520 Sony back on seven hundred WLW four thousand layoffs. Democrats 1:09:02.880 --> 1:09:06.360 railed against House Speaker Mike Johnson on Friday canceled another 1:09:06.360 --> 1:09:10.000 week of House votes. We had the ongoing government shutdown, 1:09:10.000 --> 1:09:12.519 of course, and more political theater and again, and this 1:09:12.600 --> 1:09:15.760 is uncomfortable for people who fly. If you want to 1:09:15.800 --> 1:09:18.519 go to a national park. Hell, if you're a federal employee, 1:09:18.520 --> 1:09:21.080 you're scared. I get that. That is the real consequence 1:09:21.120 --> 1:09:24.080 of all this silliness that's going on. But largely it's 1:09:24.080 --> 1:09:28.360 all theatrics. It's all theatrics, because we could solve this 1:09:28.439 --> 1:09:30.519 thing if we really really wanted to, and that would 1:09:30.520 --> 1:09:33.400 be those we send to Washington, DC. They'd rather fight, 1:09:33.560 --> 1:09:35.280 draw a line in the sand, and then stand for 1:09:35.320 --> 1:09:37.240 the people who fill their coffers with money so they 1:09:37.280 --> 1:09:39.920 can get elected and re elected. And meanwhile, the rest 1:09:39.920 --> 1:09:42.360 of America as a whole suffers because we're over thirty 1:09:42.360 --> 1:09:45.160 seven trillion dollars in debt right now. That number continues 1:09:45.200 --> 1:09:48.120 to grow. This would add like another trillion and a 1:09:48.160 --> 1:09:51.240 half to the debt if Democrats got what they want 1:09:51.280 --> 1:09:53.240 to keep the government open for another seven weeks, when 1:09:53.280 --> 1:09:55.160 we'll do it all over again. There's got to be 1:09:55.200 --> 1:09:58.360 a way to fix this on that Kurt Couchman, Kurt 1:09:58.520 --> 1:10:01.920 is a senior fiscal policy follow Americans for Prosperity. Welcome 1:10:01.920 --> 1:10:02.880 to the show, Kurt. How are you. 1:10:04.000 --> 1:10:06.200 Good morning, Scott. I'm doing well. How are you. 1:10:06.320 --> 1:10:09.360 I'm doing I'm all right. It's you know, the problem is, 1:10:09.400 --> 1:10:11.880 it's not the heat, it's the stupidity this whole Dan. 1:10:11.960 --> 1:10:15.160 We've talked about this before, and it's nothing but mindless 1:10:15.200 --> 1:10:18.920 political theater, imposturing and gesturing and who's going to blink first? 1:10:18.960 --> 1:10:21.479 And you know, if Democrats are saying, hell, yeah, we 1:10:21.520 --> 1:10:23.760 got to have affordable health care, and Republicans are yees, 1:10:23.800 --> 1:10:26.200 stick it to the Dems, make a lib cry, and meanwhile, 1:10:26.600 --> 1:10:28.360 the rest of the country, the eighty percent of us 1:10:28.400 --> 1:10:31.320 who aren't engaged in that stupidity and pettiness, look at 1:10:31.360 --> 1:10:33.040 it and go, what the hell are we doing over here? 1:10:34.000 --> 1:10:37.360 Healthcare costs are extremely out of control. You you want 1:10:37.400 --> 1:10:41.880 to extend the Obamacare Americans, the ACA and basically take 1:10:41.920 --> 1:10:44.000 money from Pile A and transfer it to Pile B 1:10:44.520 --> 1:10:47.519 because it, yeah, okay, there's people who can't afford that. 1:10:47.560 --> 1:10:49.360 I people in my family, people I know that can't 1:10:49.360 --> 1:10:52.120 afford healthcare and need that money in order to make 1:10:52.120 --> 1:10:54.240 their payments able to afford healthcare. I get that, but 1:10:55.040 --> 1:10:58.200 why are we subsidized. It's not affordable healthcare. That's a 1:10:58.240 --> 1:11:00.880 scammin and of itself. We're just subs it more and 1:11:00.880 --> 1:11:03.120 making it look like it's cheap. It's still our money. 1:11:03.160 --> 1:11:06.400 We're still borrowing it, and we're drowning in debt each 1:11:06.439 --> 1:11:08.840 and every day. And the simple solution to this maybe 1:11:08.840 --> 1:11:11.679 not so simple as just simply balance the budget and staff. 1:11:11.720 --> 1:11:14.720 These silly continued resolutions do nothing but cause us to 1:11:14.720 --> 1:11:15.559 borrow more money. 1:11:17.000 --> 1:11:19.479 Well, there's a lot to impact there. Yeah, healthcare is 1:11:19.600 --> 1:11:22.519 far too expensive in this country. Health insurance it's too expensive. 1:11:22.560 --> 1:11:24.599 A lot of it is because there's just so much 1:11:24.640 --> 1:11:29.280 bureaucracy stained between patients and medical providers. And what the 1:11:29.320 --> 1:11:32.320 Democratic position in Congress right now is, let's just paper 1:11:32.360 --> 1:11:34.680 that over throw more money as a problem. Let's not 1:11:34.760 --> 1:11:38.000 deal with the underlying regulations, bad incentives, and all of 1:11:38.000 --> 1:11:42.560 that that are making care less high quality, less affordable, 1:11:43.080 --> 1:11:45.920 less accessible. There's waiting lists in a lot of places, 1:11:45.960 --> 1:11:49.200 and that's really unfortunate. So we do need to tackle 1:11:49.240 --> 1:11:55.160 the underlying drivers of healthcare cost explosion. In terms of 1:11:55.200 --> 1:11:57.360 fixing the budget, there's a whole lot of pieces there 1:11:57.400 --> 1:11:59.800 as well. I mean, we didn't even have shut down 1:12:00.160 --> 1:12:03.200 Jimmy Carter created them, and we have a process that's 1:12:03.280 --> 1:12:05.439 just a quarter of spending. So you wonder why it 1:12:05.439 --> 1:12:08.559 doesn't work, it's because Congress doesn't even do a real budget. 1:12:08.640 --> 1:12:11.519 So there's all these different pieces. But right now, we've 1:12:11.520 --> 1:12:14.519 got to end this shutdown by getting the Senator pass 1:12:14.720 --> 1:12:16.360 the clean cr and then we can have all the 1:12:16.400 --> 1:12:18.320 conversations about how do we fix the place, how do 1:12:18.360 --> 1:12:19.519 we fix health care and all that. 1:12:20.080 --> 1:12:23.160 Well, politically, if both sides benefit from a shutdown, depending 1:12:23.200 --> 1:12:25.360 on Hoo's doing the shutting down and who's perceived to 1:12:25.360 --> 1:12:29.320 be shutting the government down, then they'll never eliminate and 1:12:29.360 --> 1:12:32.360 never solve this problem because it's it's a way for 1:12:32.400 --> 1:12:34.559 them to gain attention. Why would they get rid of 1:12:34.560 --> 1:12:35.880 something that works for them. 1:12:36.640 --> 1:12:39.720 Yeah, I mean, at some point it's going to become unbearable. 1:12:40.120 --> 1:12:42.720 There are a number of people that are continuing to work. 1:12:42.960 --> 1:12:46.160 I saw somewhere that seventy two percent of federal employees 1:12:46.200 --> 1:12:48.679 are continuing to work now they can't get paid until 1:12:48.680 --> 1:12:52.960 the shutdown's over. But the White House is trying to 1:12:53.240 --> 1:12:56.679 dial up the pain on things that are particularly salient 1:12:57.040 --> 1:13:00.760 to the Democratic senators that need to vote for this thing. 1:13:00.840 --> 1:13:04.840 So canceling infrastructure grants and energy grants and that kind 1:13:04.840 --> 1:13:08.360 of thing. There are bigger conversations that need to be had, 1:13:08.439 --> 1:13:10.600 but again, we need to fix it. We need to 1:13:10.600 --> 1:13:14.080 get the government opened again, because the longer this goes on, 1:13:14.320 --> 1:13:16.280 there are things that we do need in the long 1:13:16.360 --> 1:13:20.240 run that maybe aren't immediately so important, that start to 1:13:20.280 --> 1:13:22.200 fall by the wayside. There's a lot of permits that 1:13:22.240 --> 1:13:24.439 don't get issued when the federal government shut down like this. 1:13:24.760 --> 1:13:28.120 There's one guy over the Treasury Department who approves all 1:13:28.240 --> 1:13:31.439 new beer and wine labels apparently, and so you've got, 1:13:31.680 --> 1:13:34.120 you know, beer that's going to go bad and the 1:13:34.240 --> 1:13:38.040 losses to the brewers if these labels don't start getting approved. 1:13:38.520 --> 1:13:38.680 Right. 1:13:39.120 --> 1:13:41.160 Curt on that too. We've i think talked about this 1:13:41.240 --> 1:13:43.120 in the past, but what would that look like? How 1:13:43.160 --> 1:13:46.280 easy or hard would it be to balance the budget? 1:13:46.320 --> 1:13:48.479 Require that the budget be balanced? I know, if you 1:13:48.520 --> 1:13:50.960 go back to ninety five, we're really really close on 1:13:51.000 --> 1:13:52.719 this thing and have grown apart ever since. 1:13:54.080 --> 1:13:56.960 Yeah, we Congress almost did pass the balance budget Amendment 1:13:57.240 --> 1:13:59.920 in nineteen ninety five, have passed the House you need 1:14:00.000 --> 1:14:01.600 you need two hundred and ninety votes to get to 1:14:01.600 --> 1:14:03.640 two thirds, and they have three hundred. And then it 1:14:03.680 --> 1:14:05.760 went to the Senate and failed by one vote. It 1:14:05.800 --> 1:14:08.240 turns out there are actually a lot of problems with 1:14:08.840 --> 1:14:12.280 that version of a balance budget amendment proposal. I talk 1:14:12.320 --> 1:14:15.120 about that in my book Fistful Democracy in America, and 1:14:15.160 --> 1:14:18.759 I also talk about new versions of DBAs that actually 1:14:19.200 --> 1:14:21.439 are better, much better, don't have the problems of the 1:14:21.479 --> 1:14:25.360 old versions. And the next time the balance budget amendment 1:14:25.360 --> 1:14:28.360 becomes a hot topic, then maybe we've actually got a shot. 1:14:28.920 --> 1:14:31.000 And then in addition to that, there's you know, fixing 1:14:31.040 --> 1:14:34.120 the underlying process so that Congress has enough dials that 1:14:34.160 --> 1:14:36.839 it can turn, so that it can actually reach balance, 1:14:37.080 --> 1:14:39.200 stay in balance, and do it in a way that 1:14:39.479 --> 1:14:43.400 is politically survivable for members of Congress because you know, 1:14:43.680 --> 1:14:46.280 they want to get reelected, so they've got to be 1:14:46.280 --> 1:14:47.479 able to do both right. 1:14:47.720 --> 1:14:49.679 One of the cries would be, well, wait a minute, 1:14:49.680 --> 1:14:52.040 what if we fall to and emerge. For example, COVID 1:14:52.120 --> 1:14:53.640 hits like we had another COVID right now, it's not 1:14:53.680 --> 1:14:56.639 that coming. COVID shouts everything down. We have to pay 1:14:56.680 --> 1:14:59.120 people not to work, which is a new notion. We've 1:14:59.120 --> 1:15:00.680 got to borrow more money in order to do We 1:15:00.680 --> 1:15:03.120 can't have as bounced budget. We can't do that kind 1:15:03.120 --> 1:15:04.680 of thing. What about during an emergency? 1:15:05.760 --> 1:15:09.840 Yeah, I mean emergencies take a number of different forms, pandemics, wars, recessions, 1:15:10.400 --> 1:15:13.439 you know, natural disasters, and it's totally appropriate and it's 1:15:13.439 --> 1:15:17.760 responsible budgeting to borrow for emergencies. Every BBA, including the 1:15:18.080 --> 1:15:20.639 good versions that I just talked about, has some sort 1:15:20.680 --> 1:15:23.559 of a safety valve for emergencies. It should be high 1:15:23.800 --> 1:15:26.840 so that it doesn't the safety valve doesn't get abused, 1:15:27.280 --> 1:15:29.479 but it shouldn't be so high that it's kind of 1:15:29.520 --> 1:15:32.720 out of character with the constitution, or that would let 1:15:32.760 --> 1:15:35.280 a small minority kind of play the hold up game 1:15:35.560 --> 1:15:38.360 in order to extract concessions. One of the reasons we're 1:15:38.360 --> 1:15:40.200 able to have a shutdown right now is because there's 1:15:40.240 --> 1:15:44.280 not some major emergency going on. This with pressure on 1:15:44.400 --> 1:15:47.040 I think Goodness putting pressure on folks to come to 1:15:47.080 --> 1:15:47.439 the table. 1:15:47.479 --> 1:15:48.840 He can you imagine if we had some sort of 1:15:48.840 --> 1:15:52.280 major emergency right now, we'd be screwed, would we? 1:15:52.280 --> 1:15:54.880 Well, I think people would get their act together, we'd 1:15:54.920 --> 1:15:57.679 reopen the government. The emergency would get funded and whatever 1:15:57.760 --> 1:16:02.040 authorities what would be needed would be provided. So you know, 1:16:02.240 --> 1:16:07.080 people will change their actions and response to changing circumstances. 1:16:08.000 --> 1:16:09.559 What do you think is going to force them to act? 1:16:09.600 --> 1:16:11.760 I mean, we've talked about the debt bond before, which 1:16:11.800 --> 1:16:13.960 in less than twenty years we're not gonna be able 1:16:13.960 --> 1:16:16.000 to service the interest on our debt. Pretty Much everything 1:16:16.000 --> 1:16:17.400 we spend it's going to go to that we'll be 1:16:17.479 --> 1:16:20.120 upside down. And we know major cuts and government will 1:16:20.160 --> 1:16:23.360 come and and everything we take for granted will become 1:16:23.360 --> 1:16:28.000 in jeopardy. It's not a manufactured crisis like a doomsday. 1:16:28.120 --> 1:16:30.240 It's a financial doomsday. But we can see it coming. 1:16:30.280 --> 1:16:32.519 We can stop it. The only question is when does 1:16:32.560 --> 1:16:34.840 someone blank and say, Okay, we've got to really put 1:16:34.840 --> 1:16:36.000 the future of the country first. 1:16:36.920 --> 1:16:40.520 Yeah, that's the scary thing. Bridge Stowe founders and investments 1:16:40.520 --> 1:16:44.080 like Hedge Fund Investment Company. So the founder, Ray Dallio, 1:16:44.439 --> 1:16:46.439 recently published a book and he's been out there talking 1:16:46.439 --> 1:16:48.720 about all this stuff. He thinks we've got about three 1:16:48.800 --> 1:16:51.920 years plus or minus the year before we have what 1:16:51.960 --> 1:16:56.280 he calls a fiscal heart attack. And if that happens, 1:16:56.320 --> 1:16:58.400 then yeah, we could have a debt crisis, and I 1:16:58.400 --> 1:17:01.360 guess at that point members of Congress will get serious about, 1:17:01.680 --> 1:17:03.559 you know, looking at what doesn't work and how to 1:17:03.560 --> 1:17:06.479 fix it. But when you're in that crisis mode, it's 1:17:06.560 --> 1:17:09.639 just such a scramble. We would probably jack up taxes, 1:17:09.720 --> 1:17:11.479 we would yank the military out of the rest of 1:17:11.520 --> 1:17:13.960 the world, which you can make a case for it gradually, 1:17:14.120 --> 1:17:18.720 but not suddenly, and so like it'd be chaos. So 1:17:19.040 --> 1:17:22.360 the ideal is to get ahead of it, fix the system, 1:17:22.680 --> 1:17:25.679 let the bond markets know that we're on a path 1:17:25.720 --> 1:17:28.960 to get this stuff under control, avoid a fiscal heart attack. 1:17:29.760 --> 1:17:32.160 But you know, we're working on that. We're hopeful that 1:17:32.360 --> 1:17:35.320 once we get past the shutdown that members of Congress 1:17:35.360 --> 1:17:37.800 will be a lot more serious about thinking, Okay, this 1:17:37.960 --> 1:17:40.080 was not fun, this was not good. How do we 1:17:40.120 --> 1:17:40.880 make it all better. 1:17:41.920 --> 1:17:45.759 I wonder how much the conflict the said the demographic 1:17:45.920 --> 1:17:48.519 demographic shift in America, because you know, if you're older 1:17:48.600 --> 1:17:50.680 right now, the notion is that I paid into my 1:17:50.880 --> 1:17:53.760 these entitlements, they're not in toitements I paid for that. Well, 1:17:53.800 --> 1:17:56.000 you paid into it, but the people you elected spend 1:17:56.000 --> 1:17:59.679 it out other stuff. That's that's kind of what happened. 1:17:59.680 --> 1:18:02.080 I said, we got a surplus here, let's spend that 1:18:02.160 --> 1:18:04.200 on something else, and they did that, and I was like, well, 1:18:04.280 --> 1:18:06.880 now we're kind of got to borrow money. And then 1:18:06.880 --> 1:18:11.439 people are screaming about is that voice becomes dimmer and 1:18:11.439 --> 1:18:14.120 dimmer because you know, generations fade out and new ones 1:18:14.160 --> 1:18:17.280 come in. Is that also part of what we're talking 1:18:17.280 --> 1:18:19.040 about here. It's just it's like a wait month. I 1:18:19.040 --> 1:18:20.759 don't if we can wait three years, but a waiting 1:18:20.760 --> 1:18:24.000 game essentially, because I think younger people see the cold 1:18:24.040 --> 1:18:26.519 hard reality of the facts and they can't achieve the 1:18:26.560 --> 1:18:29.360 American dream that their grandparents, that their parents look on 1:18:29.439 --> 1:18:30.360 grandparents achieved. 1:18:31.439 --> 1:18:33.599 Yeah, I mean, it is a challenge, and there are 1:18:33.600 --> 1:18:36.720 lots of different ways to fix it. In theory, it's 1:18:36.760 --> 1:18:39.400 a political problem where members of Congress don't know how 1:18:39.439 --> 1:18:42.479 to chip away at these challenges in a way that's 1:18:42.479 --> 1:18:45.519 politically sustainable for them. So that's that's really what the 1:18:45.560 --> 1:18:48.679 promise of budget reform, like fixing the way that Congress 1:18:48.680 --> 1:18:52.960 makes decisions is all about. But the reality is that 1:18:53.320 --> 1:18:57.120 the surpluses have been sort of saved. It's the IOUs 1:18:57.280 --> 1:18:59.760 and the trust fund, and those are expected to be 1:19:00.400 --> 1:19:04.040 in about seven years now, so even you know, the 1:19:04.040 --> 1:19:07.000 surpluses will have been accounted for, and then there's still 1:19:07.000 --> 1:19:09.120 a big gap and it's going to have to come 1:19:09.280 --> 1:19:13.360 either through you know, benefit reductions or revenue increases. And 1:19:13.439 --> 1:19:17.599 revenue increases means taxing people who are working and often 1:19:17.760 --> 1:19:19.840 trying to provide for families and that sort of thing. 1:19:19.960 --> 1:19:22.760 So it thinks, no matter who's going to have to 1:19:22.760 --> 1:19:26.439 bear the transition costs. But it's got to happen somehow, 1:19:26.479 --> 1:19:28.479 and so we need Congress to be able to do 1:19:28.520 --> 1:19:31.600 that tough but necessary work and be able to be 1:19:31.680 --> 1:19:32.280 okay with that. 1:19:32.560 --> 1:19:36.280 Kurent Catchman with Americans for Prosperity on a Balanced Budget 1:19:36.360 --> 1:19:39.400 amendment simply because everything is so out of control. The 1:19:39.400 --> 1:19:42.519 shutdown is the emblematic of that. How do you sell 1:19:42.560 --> 1:19:45.320 the city American people? Though, because Benjaminer saying is, hey, listen, 1:19:45.600 --> 1:19:47.360 we've got to balance a budget. That means we're going 1:19:47.400 --> 1:19:48.880 to have to make some tough decisions here and what 1:19:48.920 --> 1:19:51.559 we spend our money in, because you know, the edict 1:19:51.560 --> 1:19:54.040 of Republicans was, hey, we're going to get in here 1:19:54.080 --> 1:19:55.800 and have doze and we're to make these huge cuts 1:19:55.800 --> 1:19:57.080 and we're going to right side, we're going to quit 1:19:57.080 --> 1:20:00.600 our spending, and spending has since gone up under Republicans 1:20:00.600 --> 1:20:01.280 and Donald Trump. 1:20:02.600 --> 1:20:05.400 Balance in the budget over a reasonable period like ten 1:20:05.479 --> 1:20:08.280 years or something, that's an eighty percent issue from the 1:20:08.320 --> 1:20:11.919 American public. So the question is how do you design 1:20:12.000 --> 1:20:15.960 one that actually works for governance? And the ones that 1:20:16.040 --> 1:20:19.120 I think have the best likelihood of succeeding would balance 1:20:19.160 --> 1:20:23.240 over ten years after ratification, after the thirty eighth date 1:20:23.240 --> 1:20:27.000 approves it, and wouldn't necessarily have to go to full 1:20:27.040 --> 1:20:30.320 balance including interests. It could go to primary balance, which 1:20:30.360 --> 1:20:33.880 is current spending not including interest and revenue, and that's 1:20:34.000 --> 1:20:36.559 enough to stabilize the debt burden and keep it from 1:20:36.600 --> 1:20:39.960 exploding and causing all the problems. Long term, we probably 1:20:39.960 --> 1:20:42.760 do have to move closer to full balance, but it's 1:20:42.800 --> 1:20:45.240 just too big for Congress right now. So you know, 1:20:45.280 --> 1:20:47.320 we have to do one piece at a time. And 1:20:47.560 --> 1:20:50.960 we actually did some polling about shutdowns right before the shutdown, 1:20:51.280 --> 1:20:54.720 and it turns out that another eighty percent issue is, 1:20:55.400 --> 1:20:58.599 you know, forcing Congress to stay in DC until they 1:20:58.600 --> 1:21:01.640 get the appropriations built on and in the meantime not 1:21:01.760 --> 1:21:05.000 have any interruptions and services for the American people. I mean, 1:21:05.040 --> 1:21:05.760 we pay for it. 1:21:06.280 --> 1:21:07.000 They should be there. 1:21:07.160 --> 1:21:10.080 So that's another thing that is part of fixing the system. 1:21:10.160 --> 1:21:11.920 And not only that we should pay for it, we're 1:21:11.920 --> 1:21:14.000 going to pay more because of the government shutdown. That's 1:21:14.000 --> 1:21:14.639 the worst part. 1:21:15.720 --> 1:21:17.800 Yeah, I mean it holds back the economy, and not 1:21:17.840 --> 1:21:19.880 as much as some people claim, but that the bigger 1:21:19.960 --> 1:21:23.639 cost is that Congress ends up jamming through some sort 1:21:23.640 --> 1:21:26.880 of an omnigous appropriations bill with all sorts of blow 1:21:27.000 --> 1:21:30.320 and pork, and very few members get participate in the process. 1:21:30.479 --> 1:21:33.800 So we have a deficit when it comes to democracy 1:21:34.280 --> 1:21:36.400 as well when it comes to these big spending bills 1:21:36.400 --> 1:21:38.000 that are cooked up behind closed doors. 1:21:38.240 --> 1:21:39.840 I don't know what hope we do have because the 1:21:40.840 --> 1:21:43.960 ground sool Republicans getting swept in and Donald Trump yet 1:21:43.960 --> 1:21:46.240 again was hey, we're going to cut taxes for everybody. 1:21:46.240 --> 1:21:47.920 We're going to tear issue tear if we're going to 1:21:47.960 --> 1:21:50.920 make everybody in America rich. Again, that's all great in 1:21:50.960 --> 1:21:53.639 some areas, it's succeeding. In other areas it's not. And 1:21:53.760 --> 1:21:55.439 you know, we're gonna, hey, we're going to cut all 1:21:55.479 --> 1:21:58.160 these programs and we're not. We're going to if you 1:21:58.240 --> 1:22:00.919 cut taxes, you got to cut programs. They cut taxes, 1:22:00.920 --> 1:22:02.360 but they didn't cut programs. 1:22:03.400 --> 1:22:05.559 Well, they kept taxes from going up, and there were 1:22:05.560 --> 1:22:08.639 some new tax cuts. The new tax cuts were more 1:22:08.720 --> 1:22:13.439 than fully offset with some changes to benefits programs. Really 1:22:13.479 --> 1:22:16.120 just good governments cleaning up making sure that people are 1:22:16.160 --> 1:22:19.960 actually eligible for the programs. You've heard some of the 1:22:20.000 --> 1:22:23.200 scary stories about Medicaid and the food stamps and all that. 1:22:23.439 --> 1:22:26.880 Those are modest changes to make sure that there wasn't 1:22:26.960 --> 1:22:29.400 as much waste, fraud, and abuse in them. There's a 1:22:29.400 --> 1:22:31.519 lot more that needs to happen. Like in the long run, 1:22:31.840 --> 1:22:35.559 the major challenge is the imbalance in social security, but 1:22:35.760 --> 1:22:39.960 especially in federal healthcare programs. Almost all of federal health 1:22:40.000 --> 1:22:43.680 subsidies are outside of the appropriations process, and so if 1:22:43.720 --> 1:22:47.639 we just fixate on appropriations the twelve Bills, we're never 1:22:47.680 --> 1:22:49.840 going to figure out how to fix healthcare. So that's 1:22:49.880 --> 1:22:52.920 why we're talking about we need to move Congress doing 1:22:52.920 --> 1:22:55.760 a comprehensive budget that has all of the spending, all 1:22:55.800 --> 1:22:58.040 of the revenue, all the tax expenditures, and then they 1:22:58.080 --> 1:23:01.320 can actually manage this stuff and weed out the nonsense 1:23:01.439 --> 1:23:04.760 and to make things, you know, lead and efficient and effective. 1:23:05.280 --> 1:23:06.840 And that's the way that we're going to be able 1:23:06.880 --> 1:23:07.719 to solve this problem. 1:23:08.120 --> 1:23:10.280 Kashan, You just dreaming here? Is that what this is? 1:23:10.360 --> 1:23:12.559 You just spect all dreaming because I mean it sounds 1:23:12.600 --> 1:23:15.240 goods people not in their head. Ben, is it really 1:23:15.280 --> 1:23:15.840 going to happen? 1:23:16.960 --> 1:23:19.080 Well, that's what we're trying to make happen. I mean, look, 1:23:19.760 --> 1:23:22.160 everything starts out as a dream and then it gets 1:23:22.160 --> 1:23:25.320 more and more concrete. This stuff is all introduced as legislation. 1:23:25.840 --> 1:23:29.320 Most of it has bipartisan support, and that which doesn't 1:23:29.600 --> 1:23:32.320 it should and will eventually it's going to have to. 1:23:33.360 --> 1:23:35.800 But you know, we're we're moving along and and there 1:23:35.840 --> 1:23:38.960 are nobody's really objected to any of these particular pieces. 1:23:39.040 --> 1:23:41.599 It's more like, oh, we just need to think about 1:23:41.600 --> 1:23:44.439 it some more so. But like doing a real budget, 1:23:44.720 --> 1:23:46.920 that is the most basic thing that you can do 1:23:47.080 --> 1:23:48.559 to manage your situation. 1:23:48.800 --> 1:23:49.599 Right, It's a job. 1:23:50.200 --> 1:23:51.400 It's prescribed for them. 1:23:51.439 --> 1:23:52.040 Here's your job. 1:23:52.040 --> 1:23:54.800 You've got one job, Congress. The job is you got 1:23:54.800 --> 1:23:56.160 to come up with a butte. That's your job. 1:23:56.880 --> 1:23:57.519 Yep, we can't. 1:23:57.520 --> 1:23:59.920 We haven't done that job. We've done that job twice 1:24:00.080 --> 1:24:01.760 since I bet a voter and I'm old. 1:24:01.840 --> 1:24:04.760 Oh, Congress has actually never done a real budget with 1:24:04.800 --> 1:24:07.439 everything in it, never, not once. I mean, Congress started 1:24:07.479 --> 1:24:10.799 out as a really informal institution, and as it's gotten bigger, 1:24:10.880 --> 1:24:14.600 as society has gotten more complicated, it should have formalized 1:24:15.080 --> 1:24:17.559 the way that it makes decisions more and it just hasn't. 1:24:17.640 --> 1:24:20.280 And you know, we're kind of a generational moment where 1:24:20.360 --> 1:24:23.760 it's time to really modernize Congress, and so this is 1:24:23.880 --> 1:24:24.759 part of that agenda. 1:24:25.160 --> 1:24:27.000 Yeah, I wonder if you can see younger people, I'm 1:24:27.120 --> 1:24:29.679 millennials but also gen zers like enough of this nonsense 1:24:29.720 --> 1:24:32.160 and take government back. I mean, the future is the hope, 1:24:32.200 --> 1:24:34.160 I think absolutely. 1:24:34.320 --> 1:24:36.280 And you know people will often say, oh, we need 1:24:36.320 --> 1:24:39.519 to consider the twelve appropriations built separately, and it's like why, 1:24:39.920 --> 1:24:43.000 because you know Congress, which was a Democrat lat at 1:24:43.040 --> 1:24:46.360 the time, decided that that was the best way four 1:24:46.439 --> 1:24:47.320 or fifty years ago. 1:24:47.439 --> 1:24:47.519 No. 1:24:47.640 --> 1:24:50.880 I mean, like times have changed and our needs have changed. 1:24:51.400 --> 1:24:53.840 We need Congress to do things that make sense for today, 1:24:53.920 --> 1:24:56.080 not for what made sense to push back on Richard 1:24:56.160 --> 1:24:57.080 Nixon fifty years ago. 1:24:57.960 --> 1:24:59.800 Yeah, well that's the nature of it. Always look back 1:24:59.800 --> 1:25:01.160 and go it was so much better than was it. 1:25:01.200 --> 1:25:01.479 Really? 1:25:02.600 --> 1:25:04.640 History is very kind, is it not. Kurt Couchman over 1:25:04.680 --> 1:25:08.240 to Americans for prosper Americans for Prosperities, a senior fiscal 1:25:08.439 --> 1:25:11.960 policy fellow checking in and once again restoring some common 1:25:12.000 --> 1:25:14.760 sense in Congress of Balance. Budde's amendment could do that. 1:25:14.840 --> 1:25:17.000 But we shall see. I wonder if we fall off 1:25:17.000 --> 1:25:18.880 the cliff, and maybe as we're falling off the cliff, 1:25:18.880 --> 1:25:20.439 we try to do something, but by then it'll be 1:25:20.439 --> 1:25:24.080 too late. Hopefully, hopefully this can gain some traction. Curt 1:25:24.080 --> 1:25:27.000 all the best, Thanks again, thanks for having me news 1:25:27.080 --> 1:25:29.240 on the way in just about four or five minutes 1:25:29.280 --> 1:25:31.880 here on the Big One seven hundred WW Scott's Loan Show, 1:25:32.200 --> 1:25:34.599 and then we returned. Andy Shaeffer checks in. We'll put 1:25:34.640 --> 1:25:37.400 all this together. We just talked about with the markets. 1:25:37.479 --> 1:25:39.880 The market's been kind of bouncing around a little bit lately. 1:25:39.960 --> 1:25:42.360 Everything was great and then Friday hit and it's all crazy. 1:25:42.400 --> 1:25:46.120 What's really going on in the underbelly of the American economy. 1:25:46.680 --> 1:25:49.320 Some people say we're headed towards another Ready for this one, 1:25:49.360 --> 1:25:51.800 another great depression like we had nineteen twenty nine. Ill 1:25:51.800 --> 1:25:53.240 bounce it off him. See what he has to say 1:25:53.240 --> 1:25:56.400 about it just ahead. Scott's Loan show continues after news. 1:25:57.000 --> 1:25:59.599 I'm the home the best Bengals coverage Thursday night football 1:25:59.600 --> 1:26:01.080 in the NAT on seven hundred w. 1:26:01.280 --> 1:26:05.120 The time to talk about money, how to make it, 1:26:05.320 --> 1:26:08.280 how to keep it, and how to keep others off 1:26:08.360 --> 1:26:09.000 your stack. 1:26:12.720 --> 1:26:16.320 This is all Worth Advice with Andy Shaeffer, Money Time, 1:26:16.400 --> 1:26:19.400 bad Money, Never sleeps Andy Shaeffer never so well he does. 1:26:19.439 --> 1:26:21.800 He's really good at sleeping, but he's pretty good at 1:26:21.840 --> 1:26:24.360 what he does. Is our expert when it comes to markets, 1:26:24.400 --> 1:26:27.880 investments and your future. Financially, He's with all Worth financially. Andy. 1:26:27.920 --> 1:26:29.439 Welcome, Thanks Scott. 1:26:29.479 --> 1:26:32.240 Happy to be here, Yes, sir, so. Markets are just 1:26:32.280 --> 1:26:34.200 kind of bouncing all over like a ping pong ball 1:26:34.240 --> 1:26:36.240 and an empty box car right now. And then started 1:26:36.240 --> 1:26:39.080 out went back on Friday because of the tariff with 1:26:39.280 --> 1:26:41.200 China in this case where we get one hundred percent, 1:26:41.680 --> 1:26:44.120 and then yesterday had cooled off and then China said 1:26:44.160 --> 1:26:46.000 we're going to hit you on your shipping and what 1:26:46.040 --> 1:26:46.840 the hell's going on? 1:26:47.520 --> 1:26:48.920 Yeah, it's kind of funny. 1:26:48.960 --> 1:26:49.120 You know. 1:26:50.120 --> 1:26:52.360 Last Friday, the market's were cruising along and I had 1:26:52.360 --> 1:26:54.360 a couple of meetings and I look up in the afternoon, 1:26:54.400 --> 1:26:57.439 and you know, they went sideways down about three percent, 1:26:57.560 --> 1:27:00.240 and you know, I was curious to see why it 1:27:00.280 --> 1:27:04.479 was because Donald Trump basically said that Chinese imports could 1:27:04.520 --> 1:27:08.559 reach one hundred percent tariffs starting on November first. Obviously, 1:27:08.600 --> 1:27:11.639 markets didn't like that. I think he's not very happy 1:27:11.800 --> 1:27:13.599 with a lot of the response that he's getting from 1:27:13.760 --> 1:27:19.519 Jijiping and the Chinese. And in response, China basically said, 1:27:20.000 --> 1:27:21.960 all right, well, we're going to put restrictions on rare 1:27:22.000 --> 1:27:26.080 earth minerals, which is very important for us. And I 1:27:26.080 --> 1:27:28.120 don't think a lot of people understand. 1:27:28.240 --> 1:27:29.519 What rare earth minerals are. 1:27:29.560 --> 1:27:32.760 It's not diamonds, it's not emeralds. Essentially, what it is 1:27:32.800 --> 1:27:36.920 there's about fifteen to seventeen obscure elements, big words that 1:27:36.960 --> 1:27:39.680 are hard to pronounce, that are essential for inputs in 1:27:39.760 --> 1:27:44.599 electric vehicles, magnets, wind turbines, semiconductors, even are fighter jets. 1:27:44.720 --> 1:27:48.800 So it's not that the Chinese have a surplus or 1:27:48.800 --> 1:27:50.680 more than the rest of the world of these rare 1:27:50.680 --> 1:27:54.240 earth minerals. What they are good at is producing them 1:27:54.400 --> 1:27:56.360 and polishing them up to make sure that they are 1:27:56.439 --> 1:28:00.320 available for use. Now the United States, we have, you know, 1:28:00.439 --> 1:28:02.439 more of a surplus than China does, and the minerals, 1:28:02.439 --> 1:28:05.679 we just don't have the capacity to really produce them 1:28:05.920 --> 1:28:07.720 and process them the way that China does. 1:28:07.760 --> 1:28:09.479 So it's an environmental issue, is what it is. 1:28:09.760 --> 1:28:10.880 Yeah, well, and that's it now. 1:28:10.920 --> 1:28:13.040 I do think at some point, you know, we are 1:28:13.040 --> 1:28:15.240 going to work towards that, because I think most of 1:28:15.280 --> 1:28:18.320 our society realize that we don't want to be beholden 1:28:18.360 --> 1:28:20.800 to the Chinese as far as rare as minerals go, 1:28:21.080 --> 1:28:24.800 particularly because it's very critical for our military and so 1:28:25.040 --> 1:28:28.000 obviously we don't want to rely on them for those 1:28:28.080 --> 1:28:30.360 But that can take years, Scott before we can get 1:28:30.400 --> 1:28:33.240 to the point where we can process as rare minerals 1:28:33.240 --> 1:28:36.280 like China does. And so essentially what we've seen in 1:28:36.320 --> 1:28:38.680 the markets is that it's kind of been a resurgent 1:28:38.960 --> 1:28:41.200 of a little bit of tension between US and the 1:28:41.280 --> 1:28:43.519 Chinese as far as trade talks. I think we kind 1:28:43.520 --> 1:28:45.280 of forgot about it for a little while, and this 1:28:45.400 --> 1:28:46.679 just kind of brought it to the forefront. 1:28:46.840 --> 1:28:50.200 Yeah, and I'm guessing that this is why the crypto 1:28:50.240 --> 1:28:51.799 markets stumbled so badly. 1:28:51.880 --> 1:28:53.560 Yeah, Yeah, A little bit has to do with the 1:28:53.560 --> 1:28:55.320 crypto markets as well. Now, we saw a little bit 1:28:55.360 --> 1:28:58.040 of a rally there yesterday, but that falls in line 1:28:58.080 --> 1:29:00.559 with Trump walking back as comments on it as well. 1:29:00.600 --> 1:29:02.040 I mean he basically said, oh yeah, me. 1:29:02.040 --> 1:29:04.800 And Shijingping or good buddies, and we'll work it out 1:29:04.800 --> 1:29:06.960 and those types of things. And you know, this is 1:29:07.000 --> 1:29:09.040 more of the same that we've seen from the rhetoric 1:29:09.120 --> 1:29:12.400 from the White House with our relationship with China, and 1:29:12.479 --> 1:29:14.479 so I think a lot of investors right now are 1:29:14.800 --> 1:29:17.040 holding on to every word, which I think is a 1:29:17.040 --> 1:29:19.040 bad idea. You know, this is just kind of par 1:29:19.200 --> 1:29:21.880 for the course and negotiations, and so I think the 1:29:22.000 --> 1:29:24.759 lesson here is just just hang in there, keep reviewing 1:29:24.800 --> 1:29:26.519 your portfolio and make sure it's in line with your 1:29:26.600 --> 1:29:28.760 risk tolerance because we'll come out of this. 1:29:29.560 --> 1:29:32.800 Yeah. And figuring out the rarest mineral thing too, because 1:29:32.800 --> 1:29:34.960 I think it's the country have a lot of it. 1:29:35.240 --> 1:29:37.519 I know Afghanistan has have some, but I think maybe India, 1:29:37.600 --> 1:29:40.320 Vietnam I think comes to mind as well. And you know, 1:29:40.400 --> 1:29:42.280 back to the tariff thing that we're hitting in Vietnam 1:29:42.320 --> 1:29:45.240 with tariffs or these countries with tariffs, Does that make 1:29:45.240 --> 1:29:47.400 a lot of sense in your opinion, and we're we're okay. 1:29:47.680 --> 1:29:49.479 The tariff experiment's gone on for a while. I'm still 1:29:49.479 --> 1:29:50.360 not seeing the results of this. 1:29:50.400 --> 1:29:51.519 Andy Well. 1:29:51.800 --> 1:29:54.400 I think we are starting to see to where we 1:29:54.520 --> 1:29:56.680 have a little bit more leverage in China, and I 1:29:56.680 --> 1:29:58.840 think we have seen some progress. We got a good 1:29:58.880 --> 1:30:02.200 deal with European Union, and we received a nice deal 1:30:02.920 --> 1:30:06.800 with Great Britain. But you know, in many senses, those 1:30:06.800 --> 1:30:10.599 countries don't matter as much as China, Mexico and Canada. 1:30:10.680 --> 1:30:14.920 Those are big trading partners right right, And so you know, 1:30:15.000 --> 1:30:17.200 as this continues on, I think Trump is playing the 1:30:17.240 --> 1:30:19.600 slow play game. I think he feels like time is 1:30:19.640 --> 1:30:23.320 on his side because inflation has been fairly calm. We're 1:30:23.360 --> 1:30:25.160 seeing it tick up just a little bit, so it 1:30:25.160 --> 1:30:27.800 feels like he has leverage in this regard. And furthermore, 1:30:28.080 --> 1:30:30.759 think of it from the Chinese perspective, if we continue 1:30:30.800 --> 1:30:34.080 to put pressure on the Chinese, Essentially, China needs access 1:30:34.120 --> 1:30:36.320 to our markets. We have the largest economy in the world. 1:30:36.600 --> 1:30:38.960 They sell most of their goods to the United States. 1:30:39.040 --> 1:30:41.599 So if they don't have access to sell their goods 1:30:41.800 --> 1:30:44.719 to US citizens, they will fall in a very deep, 1:30:44.880 --> 1:30:47.200 deep recession and they can't afford to do that, so 1:30:47.439 --> 1:30:50.920 I think he feels like he has leverage there. Hopefully again, 1:30:51.000 --> 1:30:52.960 we'll come to a deal before the end of the year. 1:30:53.040 --> 1:30:55.400 But we've been talking about this Scott since you know, 1:30:55.479 --> 1:30:58.160 March and April, so it remains to be seen. 1:30:58.360 --> 1:31:00.800 Yeah, I mean, the crowd was okay toffs and we 1:31:00.880 --> 1:31:02.760 are the United States is hauling in a lot more 1:31:02.800 --> 1:31:04.400 money than we have when it comes to tariffs. I 1:31:04.400 --> 1:31:06.920 don't know where the money's going. It's coming back to us, 1:31:07.000 --> 1:31:09.400 right is they say, hey, we're gonna have all these 1:31:09.439 --> 1:31:11.679 manufacturing jobs now. Granted that's going to take a while, 1:31:11.720 --> 1:31:14.000 and there was a campaign promise, but you think we 1:31:14.360 --> 1:31:16.360 other than maybe a few here or there, we'd start 1:31:16.400 --> 1:31:18.200 to see things moving a little faster than right now. 1:31:18.200 --> 1:31:20.639 Because we are an impatient peacefle it's something that takes 1:31:20.680 --> 1:31:23.160 ten years, we want it done in six months. 1:31:23.479 --> 1:31:25.599 Well yeah, I mean look at you know, the the 1:31:25.600 --> 1:31:28.320 Intel factory and Columbus that was scheduled to begin. I 1:31:28.360 --> 1:31:30.360 mean that's that we still don't know where that's going 1:31:30.439 --> 1:31:31.519 to be and that was going to be a big 1:31:31.520 --> 1:31:35.960 boon for the Columbus area. And I think I think 1:31:36.000 --> 1:31:39.759 what we're seeing is more of a shift and business approach, 1:31:39.920 --> 1:31:43.560 not only domestically but internationally. You know, we're not necessarily 1:31:43.560 --> 1:31:46.800 seeing these these large manufacturers, you know, open up these 1:31:47.200 --> 1:31:49.280 processing plants here in the United States. But what I 1:31:49.280 --> 1:31:51.439 think you're starting to see is a shift in the 1:31:51.680 --> 1:31:55.840 approach of the c suite decision makers within these corporations 1:31:55.840 --> 1:31:58.160 and say, hey, we at least have to have some 1:31:58.240 --> 1:32:00.439 type of presence in the United States. We have to 1:32:00.479 --> 1:32:03.960 have alternatives to producing a lot of our goods overseas. 1:32:04.040 --> 1:32:06.439 And I think at least the planning is in the 1:32:06.479 --> 1:32:09.479 works for these companies to have more of a presence 1:32:09.479 --> 1:32:11.040 here in the United States. But again, like you said, 1:32:11.120 --> 1:32:13.640 it's gonna take years for that to occur. But I 1:32:13.640 --> 1:32:16.360 think at least the ball has started to roll in 1:32:16.400 --> 1:32:16.920 that direction. 1:32:17.000 --> 1:32:19.160 And any Schaefer over at all Worth Financial and Simple 1:32:19.280 --> 1:32:21.280 Money and a little financial tune up on this Tuesday 1:32:21.280 --> 1:32:23.479 morning on the Scotslan Show on seven hundred W. I've 1:32:23.479 --> 1:32:26.080 it's been a crazy few days here. We haven't had 1:32:26.120 --> 1:32:28.880 some crazy days in a while. And the upward trend 1:32:28.920 --> 1:32:31.479 line has been going gangbusters for a while right now, 1:32:31.520 --> 1:32:34.200 So yeah, a little correction is to be expected when 1:32:34.200 --> 1:32:37.160 things are the way they are how much. And I 1:32:37.160 --> 1:32:39.360 think this tells you everything you need to know. Everything 1:32:39.360 --> 1:32:41.720 we talked about the markets bouncing up and down had 1:32:41.720 --> 1:32:44.280 to do with tariffs on China. Markets don't give a 1:32:44.360 --> 1:32:45.800 damn about the shutdown, do they? 1:32:46.120 --> 1:32:47.920 No, No, And I think that. 1:32:48.000 --> 1:32:52.320 Everything you need to know is right there, right, yeah, right, you. 1:32:52.240 --> 1:32:54.280 Know, because at the end of the day, you know, 1:32:54.360 --> 1:32:57.040 certainly there are going to going to be some jobs 1:32:57.040 --> 1:32:58.880 that are at risk with this shutdown. But for the 1:32:58.880 --> 1:33:00.840 most part, the labor market here in the United States 1:33:00.920 --> 1:33:03.800 is strong, and so as long as the consumer has 1:33:03.840 --> 1:33:06.880 the ability to earn a wage, that translates to more 1:33:06.920 --> 1:33:10.120 spending and ultimately higher stock prices. And so really it's 1:33:10.160 --> 1:33:12.240 about the strength of the job market right now. Now 1:33:12.240 --> 1:33:14.360 we're starting to see a little bit of cracks there, 1:33:14.400 --> 1:33:16.520 and I do think that there is some market fatigue 1:33:16.560 --> 1:33:18.640 with most investors. We've been on a three year role 1:33:18.720 --> 1:33:21.760 now where the market has done great, and so I 1:33:21.840 --> 1:33:24.720 think I think the one thing to note here is 1:33:24.760 --> 1:33:28.720 that we do experience a lot of corrections, which is 1:33:28.840 --> 1:33:31.080 a ten percent decline or more in the stock market. 1:33:31.120 --> 1:33:34.320 Those are fairly common since twenty fifteen, the S and 1:33:34.320 --> 1:33:37.080 P five hundred has had eight declines of roughly ten 1:33:37.120 --> 1:33:39.439 percent or more, including the one that we just had 1:33:39.439 --> 1:33:42.800 in April. So if we do see a correction of 1:33:42.880 --> 1:33:45.640 ten percent or even a bear market, which is a 1:33:45.680 --> 1:33:48.320 downward trend of over twenty percent, you know, at the 1:33:48.439 --> 1:33:50.479 end of the day, the economy is still expanding. And 1:33:50.520 --> 1:33:52.920 anytime that we see a pullback in an expanding economy 1:33:52.920 --> 1:33:56.360 where our GDP is positive, those are usually short lived. 1:33:56.400 --> 1:33:59.280 What we're mostly focused on is the probability of recession 1:33:59.360 --> 1:34:02.679 risk because those tend to last a little bit longer 1:34:02.920 --> 1:34:05.360 from a market correction standpoint, and I would put that 1:34:05.400 --> 1:34:08.519 probably about recession risk, probably at about medium right now. 1:34:09.240 --> 1:34:11.280 So there are some things to keep an eye on, 1:34:11.320 --> 1:34:13.920 including the cooling labor market, but. 1:34:13.920 --> 1:34:14.720 We have our eye on it. 1:34:14.920 --> 1:34:17.679 Yeah, And the shutdown thing is just I mean, you're pregnants. 1:34:17.720 --> 1:34:21.479 It's like a theater because it is. And I'm not 1:34:21.479 --> 1:34:23.720 going to diminish, of course and downplay the people who 1:34:23.760 --> 1:34:27.320 are losing their jobs are furloughed as a result of this. 1:34:27.439 --> 1:34:31.759 That's serious. It's money, that's your neighbor. But statistically speaking, 1:34:31.800 --> 1:34:34.559 it's a very small percentage of the population. And on 1:34:34.680 --> 1:34:37.000 top of that and I pointed this out last week, 1:34:37.120 --> 1:34:41.040 is something like this only affects eight percent of total government. 1:34:41.120 --> 1:34:43.120 So those who are shutting this down and say we 1:34:43.200 --> 1:34:45.840 need to shrink government, need to make government smaller and 1:34:45.880 --> 1:34:48.400 shrink it and shrink it, they're still funding ninety two 1:34:48.439 --> 1:34:50.960 percent of government. This is not really what a lot 1:34:51.000 --> 1:34:52.680 of people may. You know that the battle between the 1:34:52.680 --> 1:34:54.439 political hacks on the left and the right and the 1:34:54.479 --> 1:34:57.160 reality and the thing is this is just theater. It 1:34:57.160 --> 1:34:58.160 doesn't mean a damn thing. 1:34:58.439 --> 1:35:00.559 Well, I think there are two air is that have 1:35:00.680 --> 1:35:02.479 me a little bit of concern where that could put 1:35:02.520 --> 1:35:05.360 some political pressure on Washington. One of those is that 1:35:05.400 --> 1:35:08.960 we're starting to see absenteeism among air traffic controllers and 1:35:09.040 --> 1:35:12.080 TSA agents and so you know, imagine, if you know 1:35:12.320 --> 1:35:13.840 a lot of people travel for work, a lot of 1:35:14.000 --> 1:35:17.160 people travel for fun. If we start to have delays 1:35:17.280 --> 1:35:19.960 at airports, that's going to put a lot of political 1:35:20.000 --> 1:35:23.800 pressure in Washington. And furthermore, you know, in my line 1:35:23.840 --> 1:35:26.479 of work, what's more concerning to me is a lack 1:35:26.560 --> 1:35:30.080 of data that we have access to, whether it's inflation 1:35:30.240 --> 1:35:33.360 data that's not going to get announced. You know, some 1:35:33.760 --> 1:35:37.760 rate cut decisions that are kind of being made in 1:35:37.800 --> 1:35:40.840 the dark because we don't have this information. Because as 1:35:40.840 --> 1:35:42.720 far as interest rates are concerned, if we don't have 1:35:42.800 --> 1:35:45.360 the correct data, it becomes a lot more treacherous for 1:35:45.400 --> 1:35:46.800 the FED to make those decisions. 1:35:46.840 --> 1:35:49.160 Now, we're going to get some speeches from. 1:35:49.040 --> 1:35:51.479 A lot of the FED members you know, today and 1:35:51.520 --> 1:35:53.479 throughout the remaining part of the week. FED Share and 1:35:53.479 --> 1:35:56.920 PAL is going to speak today at twelve twenty pm, 1:35:57.240 --> 1:35:58.799 So we'll see what they have to say, but hopefully 1:35:58.840 --> 1:36:00.920 we'll get some guidance from them how they're approaching their 1:36:00.920 --> 1:36:04.120 decision to cut rates. I do still think we'll probably 1:36:04.120 --> 1:36:06.679 get a recut this month and probably another one in December, 1:36:06.760 --> 1:36:07.280 but it's hard to. 1:36:07.280 --> 1:36:09.640 Say because they just don't have access. Yeah, you just 1:36:09.680 --> 1:36:10.800 don't have access to the data. 1:36:10.880 --> 1:36:12.640 So but again back to the idea of this as 1:36:12.680 --> 1:36:15.080 being theater, it's these things that you just mentioned are 1:36:15.160 --> 1:36:17.439 enough to make us uncomfortable and pay attention that there's 1:36:17.439 --> 1:36:19.360 a shutdown right The fact that I'm waiting longer at 1:36:19.360 --> 1:36:22.400 an airport because TSA or you know, Nashville had to 1:36:22.439 --> 1:36:24.120 shut their tower down for a few hours is a 1:36:24.120 --> 1:36:26.719 pain in the bottom and get REROOD diverted my flight's canceled. 1:36:26.880 --> 1:36:29.080 That's an inconvenience. It's a pain in the butt. The 1:36:29.120 --> 1:36:31.240 report's coming out. As you mentioned, it makes your job 1:36:31.320 --> 1:36:33.640 harder to do as well, so they just want to 1:36:33.640 --> 1:36:35.640 make it. It's theater in a sense. It's like our 1:36:35.720 --> 1:36:38.360 national defense. All the core stuff is still working behind 1:36:38.400 --> 1:36:40.599 the scenes. Those people are still getting paid, but it's 1:36:40.600 --> 1:36:43.320 the ones we notice, and that's it's orchestrated that way. 1:36:44.320 --> 1:36:49.040 I know that the economist slash reporter Andrew ross Orkin 1:36:49.960 --> 1:36:51.559 is one of the names out there that's leading this. 1:36:51.720 --> 1:36:53.920 This is nineteen twenty nine all over again. Because when 1:36:53.920 --> 1:36:56.160 the markets are up, we had three years of growth, 1:36:56.320 --> 1:36:59.080 the economy soft, there's an underbelly, there's a bubble in 1:36:59.120 --> 1:37:02.200 AI right now, and October has always been a bad 1:37:02.240 --> 1:37:04.960 month for investors. The October effect as well. If you 1:37:05.000 --> 1:37:07.240 look at the history of crashes as you have, you 1:37:07.280 --> 1:37:10.840 know the October effect is somewhat a real thing. All 1:37:10.840 --> 1:37:14.240 of that together, October effects, October effect, and the economy 1:37:14.280 --> 1:37:17.320 and the underbelly economy. Right now, do you think that 1:37:17.439 --> 1:37:22.040 we are on the verge of another worldwide American specifically 1:37:22.120 --> 1:37:24.680 global collapse of the economy like we had with the 1:37:24.720 --> 1:37:25.400 great depression. 1:37:25.800 --> 1:37:28.080 No, No, And I think you have to understand that 1:37:28.080 --> 1:37:31.120 there are really three types of recessions. There is a 1:37:31.120 --> 1:37:34.960 cyclical recession like we normally have in general business cycles. 1:37:34.600 --> 1:37:37.679 It's a part of our overall business cycle. We also 1:37:37.760 --> 1:37:40.599 have we consider a venture even recessions like we had 1:37:41.360 --> 1:37:43.840 during the pandemic. Those usually are very sharp down and 1:37:43.960 --> 1:37:47.080 very quick and sharp up back to normal. But then 1:37:47.080 --> 1:37:49.040 we have what we call structural recession like we had 1:37:49.040 --> 1:37:50.960 in two thousand and eight. Those are the doozies. Those 1:37:50.960 --> 1:37:53.400 are the ones that we try to avoid. And as 1:37:53.439 --> 1:37:56.040 far as the economic data that we're seeing, you know, 1:37:56.360 --> 1:37:58.800 our growth is still remaining positive, the labor market is 1:37:58.840 --> 1:38:02.640 still decent, interest rates are starting to come down, and 1:38:02.720 --> 1:38:07.200 so when I see some of these publications, authors of 1:38:07.240 --> 1:38:09.360 these publications, a lot of it is fear mongering in 1:38:09.360 --> 1:38:11.040 my opinion. Now, that doesn't mean that we're not going 1:38:11.080 --> 1:38:13.200 to see a pullback. We could easily see a ten 1:38:13.200 --> 1:38:17.519 to fifteen twenty percent pullback over the next you know, 1:38:17.800 --> 1:38:20.719 six to twelve months. However, I don't see a major 1:38:20.760 --> 1:38:23.280 collapse on the horizon at this point because most of 1:38:23.280 --> 1:38:24.559 our data is fairly stable. 1:38:24.920 --> 1:38:28.760 Okay, And I think That's probably what most people are saying, 1:38:28.840 --> 1:38:30.800 is like, well, you know, we we learned a lot 1:38:30.800 --> 1:38:33.080 from nineteen twenty nine. The other thing, in nineteen twenty nine, 1:38:33.080 --> 1:38:36.240 we had everyone was borrowing money to invest in stocks. 1:38:36.240 --> 1:38:38.200 They never realized that if it went and he had direction, 1:38:38.280 --> 1:38:39.840 they'd be left holding the bag and they have a 1:38:39.880 --> 1:38:42.800 you know, basically, what does a margin call? Now I 1:38:42.840 --> 1:38:44.760 owe all this money that I don't have because I 1:38:44.880 --> 1:38:48.479 borrowed because the my investments, my stocks kept going through 1:38:48.520 --> 1:38:50.280 the roof, and so you just borrow more money and 1:38:50.320 --> 1:38:52.040 get more in debt, and that wiped a lot of 1:38:52.040 --> 1:38:55.160 people out. We have things in place to prevent that 1:38:55.200 --> 1:38:56.439 from happening. Now that's different. 1:38:57.040 --> 1:38:58.880 Yeah, And I think that's exactly what happened in two 1:38:58.880 --> 1:39:01.120 thousand and seven and two thousand with the housing crisis, right, 1:39:01.160 --> 1:39:04.519 I mean, it's almost identical. People were borrowing, lenders were 1:39:04.520 --> 1:39:07.160 giving them money made no sense, things that right, things 1:39:07.160 --> 1:39:10.200 they couldn't afford, and you know, that's why we had 1:39:10.200 --> 1:39:12.479 a significant collapse then, and that was really hard to 1:39:12.520 --> 1:39:15.560 recover from. And so we continue to put more guardrails 1:39:15.560 --> 1:39:18.639 on that. You know, we we put more stringent lending 1:39:18.680 --> 1:39:21.800 requirements on banks with a little bit more scrutiny. And 1:39:21.840 --> 1:39:24.439 before that, you know, the lenders were just well tell 1:39:24.439 --> 1:39:25.160 me how much you make. 1:39:25.200 --> 1:39:28.400 All right, here you go, yeah right, yeah, Well that 1:39:28.560 --> 1:39:32.080 was also precipitated by bad government policy, you know, and 1:39:32.800 --> 1:39:35.439 back then in eight that was precipitated about help Obama. 1:39:35.520 --> 1:39:37.519 Bush had a hand in that too, going well, we 1:39:37.560 --> 1:39:39.760 can't not have people have houses. And then of course 1:39:39.800 --> 1:39:43.920 you had people in communities and the like that are affected, 1:39:43.960 --> 1:39:46.639 going here, we're redlining, you're preventing us from getting real estate. 1:39:46.680 --> 1:39:48.320 And so they just hope and said, Okay, we don't 1:39:48.360 --> 1:39:51.240 want to be labeled as racist or classes. So here, 1:39:51.320 --> 1:39:53.679 here's just take some So we had is people buying 1:39:53.680 --> 1:39:55.719 houses with no money down. As a matter of fact, 1:39:56.280 --> 1:39:58.160 one of the first deals, because Michelle had just got 1:39:58.160 --> 1:40:01.080 into real estate then about a couple of years, she 1:40:01.120 --> 1:40:03.240 had a deal. We couldn't figure it out that someone 1:40:03.280 --> 1:40:04.800 came and bought a house and I don't know what 1:40:04.840 --> 1:40:06.960 the house costs. Let's say it was one hundred and 1:40:06.960 --> 1:40:10.559 fifty thousand dollars. They didn't put any money down at closing, 1:40:10.600 --> 1:40:12.719 and at closing they got a check for five thousand 1:40:12.800 --> 1:40:15.479 dollars so they could buy furniture for the house, and like, 1:40:15.880 --> 1:40:18.200 how do you buy a house and not put any 1:40:18.200 --> 1:40:20.920 money down? Of course what happened was, you know, we 1:40:21.000 --> 1:40:24.320 had that the stock market that crash with housing and 1:40:24.400 --> 1:40:26.160 now everyone's upside down, and they, because they had no 1:40:26.200 --> 1:40:27.920 skin in the game, would trash the house or just 1:40:28.280 --> 1:40:30.160 leave the keys sitting there and just walk away from it. 1:40:31.520 --> 1:40:34.720 And you know, we I guess that's an example of 1:40:35.240 --> 1:40:37.720 maybe what we've learned from but history repeats itself. It 1:40:37.760 --> 1:40:39.920 might be in a different fashion. I don't know if 1:40:39.960 --> 1:40:42.400 it's going to be AI or not, but that certainly 1:40:42.439 --> 1:40:45.439 is interesting when you put in historical perspectives. Anyway, He's 1:40:45.439 --> 1:40:48.719 Andy shafferd all Worth Financial. The show is simply money 1:40:48.760 --> 1:40:51.640 tonight at six o'clock on fifty five KR. See we'll 1:40:51.640 --> 1:40:53.240 talk again next Tuesday, Buddy, be. 1:40:53.200 --> 1:40:55.280 Well, okay, Scott looking forward to it, Yes. 1:40:55.160 --> 1:40:57.639 Sir, you got it. We'll get to news and then 1:40:57.720 --> 1:41:01.200 Willie takes over at twelve six. Today we've got football 1:41:01.240 --> 1:41:04.240 coming up Thursday night. Alright, it's Tuesday, Wednesday, two more days. 1:41:04.240 --> 1:41:08.120 We've got football in NATI. The season. The season hinges 1:41:08.479 --> 1:41:10.880 on the Steelers and the Bengals if they can get 1:41:10.880 --> 1:41:13.800 it done Thursday night. There's a chance, there's a really 1:41:13.800 --> 1:41:17.800 good chance, if not not so good. When's Opening Day? 1:41:18.080 --> 1:41:20.000 Seven W Cincinnati