WEBVTT - 10-14-25 Scott Sloan Show 0:00:00.160 --> 0:00:03.920 Do you want to be an Americanadio Scott's long shale 0:00:03.960 --> 0:00:07.640 back on seven hundred WLW fun fat. Here's a fun 0:00:07.680 --> 0:00:10.600 fact to start your busy day. The amount of money 0:00:10.680 --> 0:00:13.280 that we spend in healthcare in the United States has 0:00:13.480 --> 0:00:17.920 tripled since two thousand, So in less than a quarter century, 0:00:18.000 --> 0:00:20.680 less than twenty five years, the amount of money we 0:00:20.720 --> 0:00:23.680 spend on healthcare has tripled. So one point four trillion 0:00:23.720 --> 0:00:27.760 to five trillion, pretty close to triple, right. More than 0:00:27.800 --> 0:00:30.120 third of Ohio and struggled play her medical bills last month. 0:00:30.160 --> 0:00:31.720 The city of Cincinnati, and this is kind of like 0:00:31.760 --> 0:00:35.000 a side eye to Aftab who's running for mayor. So yeah, 0:00:35.240 --> 0:00:37.159 that's probably why. But gave a million and a half 0:00:37.240 --> 0:00:39.760 to nonprofit that buys medical debt from hospitals. That wiped 0:00:39.760 --> 0:00:41.840 out some two hundred and twenty million dollars in debt 0:00:41.880 --> 0:00:45.280 for about twelve thousand Cincinnati. So next up, though, state wide, 0:00:45.320 --> 0:00:47.640 is Ohio's Medical Debt Fairness Act. 0:00:47.680 --> 0:00:48.199 What is that? 0:00:48.960 --> 0:00:52.120 Well, Ohio Representative Michelle Grimm out of Toledo, out of 0:00:52.120 --> 0:00:54.280 the Glass Cities here, she is a sponsor of House 0:00:54.320 --> 0:00:56.040 Bill two fifty seven. Michelle, how are you? 0:00:57.320 --> 0:00:58.400 I'm great? How are you, Scott. 0:00:58.440 --> 0:00:59.880 I'm doing fine. All is well in the glass? 0:01:00.200 --> 0:01:02.760 I presume, yeah, all as well? 0:01:02.800 --> 0:01:03.240 All right? 0:01:03.400 --> 0:01:05.520 I had I think Gary Jeff Walker, one of our 0:01:05.560 --> 0:01:07.640 guys at work here, was driving through Toledo, was thinking 0:01:07.640 --> 0:01:09.759 to me, said I stopped and had a Pacos honkey dog. 0:01:09.800 --> 0:01:12.000 And let me tell you something, if you're passing through 0:01:12.080 --> 0:01:15.000 child to stop at Tony Paco's and get some chili, 0:01:15.000 --> 0:01:18.480 get a honky dog. Much different than Cincinnati style, but pleasing. 0:01:18.520 --> 0:01:19.039 None the loss. 0:01:19.040 --> 0:01:21.560 All right, So medical. 0:01:21.200 --> 0:01:23.640 Debt has I think it's still the leading source and 0:01:23.680 --> 0:01:25.280 has been for a while, leading source on paid bills 0:01:25.280 --> 0:01:28.360 and credit reports for a long time now in medical 0:01:28.400 --> 0:01:31.559 debt's like sixty percent of consumer debt on credit reports, 0:01:31.560 --> 0:01:35.400 which is incredible. So that those that's the rail that 0:01:35.520 --> 0:01:37.600 we're facing here. So what does House Bill two fifty 0:01:37.600 --> 0:01:38.760 seven do? What's your proposal to do? 0:01:39.920 --> 0:01:40.240 Sure? 0:01:40.640 --> 0:01:45.360 So House Still two fifty seven would do three key things. 0:01:45.480 --> 0:01:54.600 It would prohibit hospitals debt collectors from reporting on credit reports, 0:01:54.600 --> 0:01:59.200 It would band wage gurnishment, and it would tap interest 0:02:00.040 --> 0:02:03.360 of medical debt ode to three percent because right now 0:02:03.400 --> 0:02:08.800 we have a statutory eight percent interest, So that would 0:02:08.800 --> 0:02:09.840 cap that at three percent. 0:02:10.720 --> 0:02:13.680 Okay, So let's start with a three percent medical to 0:02:13.720 --> 0:02:16.200 The interest that you would pay right now on any 0:02:16.240 --> 0:02:19.919 medical bill is certainly higher than three percent, and that 0:02:20.040 --> 0:02:23.000 keeps up with inflation presumably tied to maybe tied to 0:02:23.040 --> 0:02:25.360 inflation here, but typically how much of that debt are 0:02:25.360 --> 0:02:27.200 we talkingbou How much should people just paying interest on 0:02:27.320 --> 0:02:27.839 medical debt? 0:02:27.840 --> 0:02:28.040 Now? 0:02:29.280 --> 0:02:31.480 So I, you know, I think it's hard to gauge, 0:02:31.520 --> 0:02:34.680 but I would say that the average person has about 0:02:35.280 --> 0:02:37.519 the average person who has medical debt has about twelve 0:02:37.639 --> 0:02:44.000 hundred dollars and while we don't report under five hundred 0:02:44.040 --> 0:02:52.280 dollars and credit reports right now, that's taking away about 0:02:52.320 --> 0:02:58.240 the majority of people who have medical debt and not 0:02:58.480 --> 0:03:03.280 giving them a chance to repair their court credit or 0:03:03.800 --> 0:03:07.959 purchase a home or even get a job, because credit 0:03:08.000 --> 0:03:14.200 reports are they con hinder people getting a job or 0:03:14.840 --> 0:03:17.960 getting an apartment or getting a mortgage. So so that 0:03:18.040 --> 0:03:19.560 that leaves a lot of people out. 0:03:19.440 --> 0:03:22.280 Well getting getting insurance for that. But like car insurance, 0:03:22.280 --> 0:03:24.120 for example, everybody pulls your credit. 0:03:23.880 --> 0:03:28.760 Report now, yeah for sure, And so our bill would 0:03:29.960 --> 0:03:33.080 prohibit any type of credit reporting and medical debt. 0:03:34.639 --> 0:03:36.280 All right, So on that one of the one of 0:03:36.320 --> 0:03:38.640 the complaints you hear from the debt collection industry, which 0:03:38.680 --> 0:03:40.280 I can't imagine a lot of people signing with the 0:03:40.320 --> 0:03:43.360 debt collection industry, but it says, hey, listen, you're essentially 0:03:43.520 --> 0:03:45.040 encouraging people to be dead beats. 0:03:45.400 --> 0:03:47.400 Basically, what they're saying is that. 0:03:48.840 --> 0:03:51.280 If you take a conscious of consequence away from people 0:03:51.280 --> 0:03:53.880 for non payment, that's going to lead the higher healthcare 0:03:53.920 --> 0:03:55.600 costs for everyone because people look at it going, well, 0:03:55.640 --> 0:03:57.280 I don't have to pay if the government's going to 0:03:57.400 --> 0:04:00.640 and you know, there's a moral hazard there obviously too, 0:04:00.680 --> 0:04:02.880 And that's that's a problem with universal healthcare is you know, 0:04:03.040 --> 0:04:05.080 well people just simply go to the emergency. 0:04:05.120 --> 0:04:06.880 If I don't have to pay for it, I'll overuse it. 0:04:06.960 --> 0:04:08.320 That's a theory. 0:04:08.880 --> 0:04:12.840 So you would still have to pay your bills, of course, 0:04:13.720 --> 0:04:16.040 because it would just not be on your credit report. 0:04:16.800 --> 0:04:20.560 But I would also argue that there's been studies that 0:04:20.680 --> 0:04:25.640 said medical debt is a poor indicator of paying other 0:04:25.760 --> 0:04:30.400 types of credit. So if you had credit cards, or 0:04:30.600 --> 0:04:35.240 paying your mortgage, or paying your light bill, your electric bill, 0:04:35.800 --> 0:04:38.320 but if you have medical debt, that's a poor indicator 0:04:38.400 --> 0:04:40.559 whether you're going to pay other debts. Back, and people 0:04:40.600 --> 0:04:43.320 do you want to pay off their medical bills? Medical 0:04:43.360 --> 0:04:49.279 bills can be medical debt can be embarrassing, but it's 0:04:49.320 --> 0:04:54.080 not their fault. It's really a fault of a broken system. 0:04:54.720 --> 0:04:58.320 It's not a debt of luxury, it's a debt of necessity. 0:04:58.880 --> 0:05:01.360 So that's what I would argue back, is that people 0:05:01.520 --> 0:05:04.960 people do want to pay their bills back, and putting 0:05:05.000 --> 0:05:09.799 these creditory practices in place hinders a lot of people 0:05:09.800 --> 0:05:10.520 from doing that. 0:05:11.240 --> 0:05:13.559 In that regard, Michelle Grim, is there a means test 0:05:13.680 --> 0:05:16.080 or income requirement? I mean, you know, it sounds all 0:05:16.080 --> 0:05:17.760 long good that people do want to pay their debts off, 0:05:17.800 --> 0:05:21.040 generally speaking, But how do we separate people who generally 0:05:21.080 --> 0:05:23.440 can't afford to pay versus those who simply say I'm 0:05:23.480 --> 0:05:25.240 not going to pay or choose not to pay. 0:05:25.320 --> 0:05:29.960 So I think that there when you look at the studies, 0:05:30.040 --> 0:05:34.240 it's a lot of people who cannot afford to pay, 0:05:34.320 --> 0:05:36.359 a lot of people do want to pay their bills, 0:05:36.400 --> 0:05:41.560 but they simply can't afford it. They're they're choosing between 0:05:42.200 --> 0:05:46.560 putting food on the table, or paying their their electric bill, 0:05:46.760 --> 0:05:49.120 or paying their mortgage, or paying their medical debt off. 0:05:50.120 --> 0:05:54.560 So it's it is a lot of people who don't 0:05:54.640 --> 0:05:57.560 have any savings or anything like that. A lot of 0:05:57.560 --> 0:06:02.680 people don't have a thousand dollars for emergency and that's 0:06:02.720 --> 0:06:05.360 why we're putting people in a bind with medical debt. 0:06:05.480 --> 0:06:07.479 But we want to help people with House. 0:06:07.320 --> 0:06:08.200 Book fifty seven. 0:06:08.760 --> 0:06:11.760 Yeah, this is Michelle Grimm. She's out of Toledo. House 0:06:11.800 --> 0:06:14.359 Bill two fifty seven. She's co sponsoring this one to 0:06:14.400 --> 0:06:17.440 help people with medical debt because one in three Ohioans 0:06:18.240 --> 0:06:19.479 carries some sort of medical debts. 0:06:19.520 --> 0:06:20.919 The number one cause of bankrow. 0:06:21.160 --> 0:06:23.680 I think we're the top two costs of bankruptcy in 0:06:23.720 --> 0:06:26.080 the United States, but but one drives the other job lessness, 0:06:26.080 --> 0:06:29.160 so it would be number one, and health insurance bankruptcy 0:06:29.200 --> 0:06:30.800 is another one. And I think those two go hand 0:06:30.839 --> 0:06:32.840 in hand because for a lot of people, their jobs 0:06:32.920 --> 0:06:35.359 and healthcare a tied together, which is part of the problem. 0:06:35.800 --> 0:06:37.920 This would limit medical interest to what you say, three 0:06:37.960 --> 0:06:41.080 percent a year. You can't guarner someone's wages for medical 0:06:41.120 --> 0:06:45.440 debt collection, and hospitals and providers can't report medical debt 0:06:45.480 --> 0:06:47.800 to credit agencies right now. And I think in the 0:06:47.880 --> 0:06:49.599 last few years were reformed it used to be. I 0:06:49.600 --> 0:06:53.479 believe Michelle unpaid medical bills were kicked over to credit 0:06:53.520 --> 0:06:56.320 reporting agencies after like sixty or one hundred and twenty days, 0:06:56.320 --> 0:06:58.120 and now it's a full year. 0:06:58.160 --> 0:06:59.960 Correct, correct? 0:07:00.200 --> 0:07:02.560 Yeah, So, I mean even the credit industry has said, hey, 0:07:02.640 --> 0:07:04.760 you know, we've got to we've got to we've got 0:07:04.760 --> 0:07:06.279 to ease back a little bit here, mean after a 0:07:06.279 --> 0:07:08.400 full year. Now does that mean that people aren't making 0:07:08.400 --> 0:07:10.880 any payments whatsoever? If you pay a little bit of money, 0:07:10.880 --> 0:07:14.200 does that keep you from being reported to credit agencies? 0:07:14.200 --> 0:07:15.920 How does that work? Or is that with this what 0:07:15.960 --> 0:07:17.240 two fifty seven seeks to do. 0:07:18.320 --> 0:07:21.840 So I think it depends. I think typically I think 0:07:21.920 --> 0:07:25.240 if you're making payments that it would not be reported. 0:07:25.920 --> 0:07:29.480 But I think in some instances you will see reports 0:07:29.520 --> 0:07:33.600 that like people are making payments or maybe they fell behind, 0:07:33.920 --> 0:07:36.320 so and you know what I was talking about before, 0:07:36.560 --> 0:07:39.720 they maybe sell behind one are two months and then 0:07:39.880 --> 0:07:44.240 it gets reported on the credit report. So you know, 0:07:44.360 --> 0:07:48.240 the system isn't really fair for consumers, and we want 0:07:48.280 --> 0:07:51.880 to make it a little fair for people to get ahead, 0:07:52.880 --> 0:07:57.440 for people to have a fighting chance. So you know, 0:07:57.720 --> 0:08:02.200 I think that a lot of the arguments against this 0:08:02.400 --> 0:08:08.040 too is we around wage garnishments. I do want your 0:08:08.080 --> 0:08:13.520 listeners to look up this article from Signal, Ohio about 0:08:13.560 --> 0:08:17.320 a rural hospital of Logan County who has who has 0:08:17.360 --> 0:08:23.680 sued twenty seven hundred patients in the last two years. Yeah, 0:08:23.720 --> 0:08:27.720 and a lot of their a lot of the judgments 0:08:27.760 --> 0:08:31.760 in court were wage garnishments. So people are paying up 0:08:31.800 --> 0:08:35.840 to twenty five percent of their They're getting up to 0:08:35.880 --> 0:08:41.120 twenty five percent of their checks garnished their payroll checks, 0:08:41.720 --> 0:08:43.520 plus they're paying that eight percent interest. 0:08:44.320 --> 0:08:45.800 So that's that's pretty cool. 0:08:45.840 --> 0:08:48.240 I think most people listening. Wow, Okay, I'm not quite sure. 0:08:48.240 --> 0:08:50.320 I want the state medical bills. At the same time, like, 0:08:50.600 --> 0:08:52.560 how am I supposed to live if i'm that's almost 0:08:52.559 --> 0:08:55.440 like child support. Right, In child support, you had a 0:08:55.480 --> 0:08:57.600 conscious sho have a child, and you provide for your child. 0:08:57.640 --> 0:08:59.920 That's a different matter than Hey, I just got sick, 0:09:00.440 --> 0:09:02.560 and maybe I got sick because it's something at work 0:09:02.640 --> 0:09:04.720 or I feil or something along the way. It happens 0:09:04.720 --> 0:09:08.640 all of us at some point or another. And now 0:09:08.840 --> 0:09:11.120 we're taking a quarter of your wages. That seems confiscate. 0:09:11.280 --> 0:09:13.120 How can you live on the other seventy five percent? 0:09:14.120 --> 0:09:16.040 And I can I go back to what you just said. 0:09:16.040 --> 0:09:19.600 So we're not again, we're not suggesting that the state 0:09:19.679 --> 0:09:22.640 is paying medical bills. We're just saying we're going to 0:09:22.720 --> 0:09:29.560 have these parameters of credit reports, wage guarnership, and interest rates. 0:09:29.760 --> 0:09:31.280 So I just wanted to kind of. 0:09:31.360 --> 0:09:32.400 Yeah, that's fair. 0:09:32.600 --> 0:09:32.840 I was. 0:09:32.880 --> 0:09:34.840 I was referring more to what we did in Cincinnati 0:09:34.960 --> 0:09:37.319 not long ago when council approved a million and a 0:09:37.360 --> 0:09:42.080 half to a nonprofit that collected money and wiped out 0:09:42.080 --> 0:09:45.080 about two hundred twenty million debt for twelve thousand Cincinnatians 0:09:45.440 --> 0:09:48.040 and just buying the debt from the credit companies. 0:09:48.520 --> 0:09:53.960 So I actually did that in Toledo about it'll be 0:09:54.000 --> 0:09:57.840 three years ago. So Toledo kind of led the way 0:09:57.880 --> 0:10:02.640 for cities. How to you with the first one? And 0:10:02.720 --> 0:10:09.319 so we actually eliminated debt for about one hundred and 0:10:09.360 --> 0:10:13.439 twelve thousand people around the region, including forty three thousand 0:10:13.520 --> 0:10:17.560 Lucas County residents. And that no profit is undue medical debt. 0:10:17.600 --> 0:10:21.960 They do great work, so and they negotiate directly with 0:10:22.000 --> 0:10:23.120 the hospitals. 0:10:23.480 --> 0:10:29.440 So yeah, I contemplate that one because this is outside 0:10:29.480 --> 0:10:31.880 of your scope as a state lawmaker, Michelle Grimm. But 0:10:32.720 --> 0:10:35.360 the beef I have, like, for example, the government shutdown 0:10:35.520 --> 0:10:39.200 over Obamacare and the ACA. You know, we're fighting over subsidies. 0:10:39.200 --> 0:10:41.360 The problem it's not not healthcare. We're so we're taking 0:10:41.400 --> 0:10:44.720 money from a group of taxpayers and transferring it to 0:10:44.720 --> 0:10:47.599 another money of pad taxpayers without addressing the problem in 0:10:47.679 --> 0:10:50.080 Congress for a long time. And we would need all 0:10:50.080 --> 0:10:53.079 this stuff if we would just reform healthcare properly instead 0:10:53.120 --> 0:10:56.360 of having Democrats and Republicans fight each other and and 0:10:56.600 --> 0:10:59.679 do this insane stuff. I mean, Obamacare, it's makes it 0:10:59.720 --> 0:11:05.280 doesn't make it affordable. Uh, it's extremely expensive. Is the problem? Affordable? 0:11:05.320 --> 0:11:08.360 CASM this no where you're just here, you're subsidizing something 0:11:08.360 --> 0:11:10.880 that's extremely expended. Let let's figure out why we're paying 0:11:11.480 --> 0:11:14.200 you know, three times more than most double what most 0:11:14.240 --> 0:11:17.079 countries are for less health care doesn't make any sense. 0:11:17.320 --> 0:11:20.440 Yeah, yeah, no, I would absolutely agree with that, and 0:11:20.559 --> 0:11:23.640 I would I would say that a lot of people 0:11:23.720 --> 0:11:29.720 in the healthcare space, looking at the core problem, which 0:11:29.720 --> 0:11:32.480 is our work at healthcare system would it would absolutely 0:11:32.520 --> 0:11:37.280 agree with that. And so I know we're here not 0:11:37.360 --> 0:11:40.120 to talk about undo, but what what what they're able 0:11:40.160 --> 0:11:42.480 to do is they're able to purchase that pennies on 0:11:42.520 --> 0:11:47.080 the dollar from hospital systems or second second the secondary market. 0:11:48.320 --> 0:11:52.040 But you know, people do uh people have you know, 0:11:52.160 --> 0:11:54.120 I've gotten I've gotten a lot of emails and a 0:11:54.160 --> 0:11:56.120 lot of calls saying like I got a letter from 0:11:56.520 --> 0:11:59.959 New Medical Debt, thank you very much. It really did 0:12:00.080 --> 0:12:02.400 help a lot of people. But yes, you are correct, 0:12:02.400 --> 0:12:07.959 and does not solve the broken healthcare system, right, And 0:12:08.320 --> 0:12:10.280 you know that's what you know, that's what we need 0:12:10.320 --> 0:12:15.600 to keep working on. And so bills like House Bill 0:12:15.679 --> 0:12:20.360 to fifty seven, they make the rules a little bit fairer, 0:12:20.400 --> 0:12:21.839 but we still have a lot of work to do. 0:12:22.000 --> 0:12:25.360 Yeah, you mentioned Logan County Small and Logan Counties right 0:12:25.400 --> 0:12:28.280 in our listing areas in the I think around the 0:12:28.320 --> 0:12:32.240 where the Armstrong Space you know, WAPA Canetta up that way. Yeah, yeah, 0:12:32.280 --> 0:12:33.960 about an hour an hour and a half hour forty 0:12:34.000 --> 0:12:36.280 minutes from us here in Cincinnati, So Logan County pastor 0:12:36.280 --> 0:12:38.000 and if you're going up north to Toledo, for example, 0:12:39.400 --> 0:12:41.480 so in that county you said that you know, they're 0:12:41.520 --> 0:12:43.880 garnishing people's wages and like, and I kind of get 0:12:43.920 --> 0:12:45.400 that in a sense is I don't know if they're 0:12:45.440 --> 0:12:49.240 being confiscatory and it's you know, the evil capitalists twirling 0:12:49.280 --> 0:12:51.400 his mustache in the corner lighting a cigar with one 0:12:51.400 --> 0:12:56.520 thousand dollars bills. But in some sense, hospitals, and especially 0:12:56.600 --> 0:12:58.920 rural hospitals are under struggles right now. We're having a 0:12:58.960 --> 0:13:01.439 number of them closed as result of the healthcare system, 0:13:01.480 --> 0:13:03.840 which is not going to serve anyone in those areas. 0:13:04.480 --> 0:13:06.560 How do you ensure they still get fair payment while 0:13:06.600 --> 0:13:09.760 protecting the patients from excessive debt collection practices. 0:13:11.080 --> 0:13:15.040 So I think what's going to hurt our rule hospitals 0:13:15.120 --> 0:13:17.600 in the long run is the cuts to Medicaid and 0:13:17.600 --> 0:13:25.800 Medicare and also the increased costs because the ACA of 0:13:25.760 --> 0:13:28.800 the subsidies may go away. So that's going to be 0:13:29.080 --> 0:13:31.600 really where they're going to hit get hit the hardest. 0:13:32.280 --> 0:13:33.960 It's not gonna be because they can't put it on 0:13:33.960 --> 0:13:36.600 our current report or they can't garnish wages. A lot 0:13:36.640 --> 0:13:40.640 of hospitals actually don't garnish wages or sue their patients. 0:13:40.960 --> 0:13:45.160 This is actually a pretty aggressive practice with this one hospital, 0:13:45.600 --> 0:13:49.240 because actually a lot of hospitals don't do that. They 0:13:49.760 --> 0:13:52.240 tend to try to work with the patient or they 0:13:52.320 --> 0:13:55.000 or they send it to debt collection, but not every 0:13:55.320 --> 0:13:59.400 but not every hospital does that. Couples of hospitals in 0:13:59.440 --> 0:14:03.600 the area in the state have said that this doesn't 0:14:03.760 --> 0:14:06.640 this build has two fifty seven doesn't really affect us. 0:14:06.920 --> 0:14:09.559 It doesn't affect our operations. 0:14:10.040 --> 0:14:11.200 So but. 0:14:12.600 --> 0:14:14.120 So yeah, that's what I would say, is. 0:14:14.080 --> 0:14:17.040 That maybe it's just but maybe more like the rural 0:14:17.040 --> 0:14:19.840 I mean, because you look at rural areas that are 0:14:20.160 --> 0:14:23.400 losing population and they've got one hospital or clinic and 0:14:23.480 --> 0:14:25.000 now you've got fewer people in there. So I get 0:14:25.000 --> 0:14:29.760 the model. Whereas in Cincinnati and Dayton, Toledo, in bigger cities, 0:14:30.000 --> 0:14:31.920 you can absorb those costs, but better you have more 0:14:31.960 --> 0:14:32.560 people to draw. 0:14:34.040 --> 0:14:38.920 Yeah, but again I think that what's coming down the 0:14:38.960 --> 0:14:42.920 pipeline here is our cuts to Medicaid and our cuts 0:14:42.960 --> 0:14:47.480 to Medicare and the AC subsidies going away is really 0:14:47.520 --> 0:14:52.520 going to hurt our rural hospital systems, not prohibiting putting 0:14:52.600 --> 0:14:53.480 medical debta critical. 0:14:54.160 --> 0:14:57.720 It's a hospital two fifty seven, and medical debt is 0:14:57.760 --> 0:14:59.800 a crisis in America, has been for a long time, 0:15:00.080 --> 0:15:02.400 of about sixty percent of our consumer debt. This would 0:15:02.440 --> 0:15:04.960 limit the interest on that to three percent. A heared 0:15:04.960 --> 0:15:08.360 capit of three percent interest, ban wage garnishment for medical 0:15:08.400 --> 0:15:12.040 debt collections, and stop hospitals and providers and debt collectors 0:15:12.080 --> 0:15:15.760 from reporting that debt to credit agencies provided you're paying something. 0:15:15.800 --> 0:15:17.320 I mean, isn't it safe to say? 0:15:17.320 --> 0:15:21.120 In the end, most hospitals, hey, listen, I owe all 0:15:21.120 --> 0:15:23.600 this money, and here's what I make. We've got to 0:15:23.600 --> 0:15:25.600 work on a payment plan, whether it's you know, twenty 0:15:25.600 --> 0:15:27.360 bucks a month or something like that, which you'll never 0:15:27.440 --> 0:15:30.080 touch it, but at least I'm giving you something. Does 0:15:30.120 --> 0:15:32.480 that satisfy most hospitals, they put the effort. 0:15:32.160 --> 0:15:35.520 In, So, you know, I think I can't speak for 0:15:35.600 --> 0:15:39.080 the hospital systems, but certainly a lot of the hospital 0:15:39.160 --> 0:15:45.160 systems to work out payment plans. They also offer charity 0:15:45.200 --> 0:15:49.240 care options. People can ask for charity care options, and 0:15:49.280 --> 0:15:54.280 I would really encourage folks to do that. Just kind 0:15:54.320 --> 0:15:55.760 of look at all of your options. So if you 0:15:56.160 --> 0:16:00.960 do have medical debt or bills you can't pay, ask questions. 0:16:01.600 --> 0:16:03.920 So this is kind of my call to action for everybody. 0:16:04.000 --> 0:16:07.520 Ask questions. Ask you know, hey, why was I charged this? 0:16:08.040 --> 0:16:11.040 Or can I set up a paynut plan? Or hey, 0:16:11.080 --> 0:16:13.480 I can't afford this right now? So I would say 0:16:14.120 --> 0:16:18.880 keep you know, negotiate with the hospital or the deck 0:16:18.880 --> 0:16:25.720 collection agency and just make sure that you're uh negotiating 0:16:25.800 --> 0:16:29.040 that way because you you do have negotiating power and 0:16:29.200 --> 0:16:33.400 you can work on uh making sure that you you do, 0:16:33.680 --> 0:16:35.400 you do keep up with your bills and you don't 0:16:35.480 --> 0:16:37.800 fall behind and it does go on your credit report 0:16:39.600 --> 0:16:43.600 until you know, until just task so so so yeah, 0:16:43.680 --> 0:16:46.800 I would say, like, you know, just work, you know, talk, 0:16:46.920 --> 0:16:51.239 talk to the hospitals, look at your medical bills, ask questions, 0:16:51.280 --> 0:16:55.960 and you know, the hospitals should be happy. 0:16:55.680 --> 0:16:56.160 To work with you. 0:16:56.360 --> 0:16:56.520 Right. 0:16:56.920 --> 0:16:59.760 Uh, Michelle, you have biopartisan support for those a bipartiination. 0:17:01.120 --> 0:17:05.720 Yes, yeah, absolutely. It touches every So my my joint 0:17:05.760 --> 0:17:11.919 sponsor is Representative Jeane Schmidt. So uh, I you know, 0:17:11.960 --> 0:17:17.959 it touches everybody's district, everybody's district. Yeah, so you know, 0:17:18.119 --> 0:17:22.040 it's not just rural districts or urban districts or suburban 0:17:22.040 --> 0:17:27.120 district is everybody's district and everybody everybody knows someone who 0:17:27.320 --> 0:17:31.160 has had medical debt or has medical debt currently. And 0:17:31.400 --> 0:17:33.800 you know, again, we want to make sure that the 0:17:34.600 --> 0:17:36.919 playing field is a little fair for people, and we 0:17:36.960 --> 0:17:39.800 want to make sure people get ahead and not keep 0:17:39.840 --> 0:17:42.000 them down. And I think the House will two fifty seven. 0:17:42.480 --> 0:17:42.680 Uh. 0:17:42.760 --> 0:17:45.880 While it doesn't fix everything, it makes us a little 0:17:45.880 --> 0:17:50.040 bit closer to uh a fair system. 0:17:50.560 --> 0:17:51.320 Yeah, it makes sense. 0:17:51.680 --> 0:17:54.280 Jeene Schmid in the sixty second district, so you know, 0:17:54.359 --> 0:17:57.479 fairly rural area is there to Claremont County, so it 0:17:57.520 --> 0:18:01.120 has urban and rural support. And and it's bipartisan, which 0:18:01.160 --> 0:18:03.239 I like a lot. And it also helps people and 0:18:03.280 --> 0:18:07.480 it doesn't seem to unfairly incentivize someone not to pay 0:18:07.480 --> 0:18:09.639 their bills, which which I like. She is Michelle Grimm, 0:18:09.640 --> 0:18:13.240 Democrat at Toledo House bill fifty spence two fifty seven, 0:18:13.400 --> 0:18:15.840 along with Genie Schmidt here in Claremont County, and I 0:18:15.880 --> 0:18:17.760 wish all the best. Thanks again for coming on the show. 0:18:18.880 --> 0:18:20.240 Thank you, Scott be Well. 0:18:21.119 --> 0:18:23.280 Yeah, we can talk more about this too. 0:18:23.320 --> 0:18:25.240 And I know there's people that just dig their heels 0:18:25.240 --> 0:18:29.000 and go, oh my god, how it's more welfare for Yeah. 0:18:29.040 --> 0:18:32.000 The problem is this, you know we have now double 0:18:32.040 --> 0:18:34.359 we spend a triple rather the amount of money we 0:18:34.400 --> 0:18:38.000 spend on healthcare. From two thousand to today, the number 0:18:38.040 --> 0:18:41.879 has tripled. And you know when you have sixty percent 0:18:41.920 --> 0:18:44.280 of consumer debt on credit reports. It is because of 0:18:44.320 --> 0:18:48.760 medical issues, medical bills that people can't pay, and a 0:18:48.840 --> 0:18:52.920 declining number of businesses are offering health insurance. That is 0:18:52.960 --> 0:18:55.639 a catastrophe. Maybe you're feeling that yourself and your family 0:18:55.680 --> 0:18:57.639 your thoughts five one, three, seven, four, nine, seven thousand 0:18:57.640 --> 0:18:59.800 and eight on the Big One Talkback iHeartRadio app. We 0:18:59.840 --> 0:19:02.400 will get your calls in and got more just ahead 0:19:02.440 --> 0:19:03.840 here on the Scott's Loan Show right after News I 0:19:03.840 --> 0:19:08.159 on seven hundred WI. It's a Scott's Loan Show on 0:19:08.320 --> 0:19:11.760 seven hundred WLW. Lots going on this morning. We'll get 0:19:11.760 --> 0:19:15.359 into the shooting downtown in just a second. We're kind 0:19:15.359 --> 0:19:18.720 of wrapping up previous topic here. Just minutes ago, Michelle Grimm, 0:19:18.800 --> 0:19:21.600 Democrat out Toledo, a bipartisan effort, she along with Genie 0:19:21.640 --> 0:19:25.280 Schmidt of Claremont County, introducing House Bill two fifty seven 0:19:25.320 --> 0:19:27.440 to give her a lief to people who suffer for 0:19:27.560 --> 0:19:28.200 medical debt. 0:19:28.280 --> 0:19:29.920 And I think for too. 0:19:29.840 --> 0:19:31.639 Long in this country we have an argument like somehow 0:19:31.720 --> 0:19:34.240 for somebody gets debt really from that, it's somehow it's unfair. 0:19:34.280 --> 0:19:36.600 It's a transfernal wealth. Somebody's got to pay for it. 0:19:36.600 --> 0:19:39.359 It's on the taxpayers. But let's face it, because of 0:19:39.400 --> 0:19:43.639 the system that we have, we pay way more than 0:19:43.720 --> 0:19:47.480 we should, like double most developed countries for a lesser healthcare. 0:19:47.560 --> 0:19:49.760 Let's favorite, our healthcare sucks and we pay more than 0:19:49.800 --> 0:19:52.200 anybody else. What's wrong with this picture? To the point 0:19:52.200 --> 0:19:55.800 where the amount we spend over the last twenty five 0:19:55.880 --> 0:20:01.240 years has tripled, not doubled, tripled. Just let that sink 0:20:01.280 --> 0:20:06.679 in for a second. And for sixty percent of people 0:20:07.440 --> 0:20:10.040 who have consumer debt, you'll get credit, pull a credit report. 0:20:10.240 --> 0:20:13.240 Six out of ten people the number one source of 0:20:13.280 --> 0:20:16.199 debt for them is medical debt. So that means if 0:20:16.200 --> 0:20:19.120 you're servicing debt on something like healthcare, which we all 0:20:19.119 --> 0:20:22.560 need at some point or another, unless they're extremely lucky 0:20:22.840 --> 0:20:25.760 or you die young, you need health care. And so 0:20:25.840 --> 0:20:27.840 the end result then is that we pay a lot 0:20:27.880 --> 0:20:32.240 for something that is definitely necessary, and now it prevents 0:20:32.280 --> 0:20:33.920 you from spending money. Let's say you own a small 0:20:33.920 --> 0:20:36.679 business of food truck, whatever it is, and now someone 0:20:36.760 --> 0:20:39.440 instead of maybe using that money to go and buy 0:20:39.440 --> 0:20:41.480 products or services from your company or the company you 0:20:41.520 --> 0:20:43.439 work for, the end result is it has to go 0:20:43.480 --> 0:20:45.879 into servicing debt. And interest in all that other stuff 0:20:45.960 --> 0:20:49.560 because it's debt, and then that person is going to 0:20:49.600 --> 0:20:51.200 be hard from them to buy a house by a car, 0:20:51.280 --> 0:20:53.159 get a loan, and you see the effects of this. 0:20:53.200 --> 0:20:54.639 Something has to be done about it. And this has 0:20:54.640 --> 0:20:57.560 all been a band aid approach so far, certainly with 0:20:57.640 --> 0:21:00.000 what Congress is doing right now relative to health care 0:21:00.119 --> 0:21:02.280 Art's band aid stuff. The real core of the issue 0:21:02.359 --> 0:21:04.720 is how do we fix healthcare so it's not so 0:21:04.800 --> 0:21:07.679 damn expensive. One side wants a lot of subsidy. The 0:21:07.720 --> 0:21:10.040 other one doesn't have an answer really other than we 0:21:10.080 --> 0:21:14.159 don't like subsidy and socialism. But okay, that's fine, So 0:21:14.240 --> 0:21:16.480 what does that look like? And yet they won't address 0:21:16.480 --> 0:21:19.359 that core issue on that topic real quick. Is carlon 0:21:19.400 --> 0:21:21.960 Mainville on seven hundred W Dowty. Thanks for checking in, Carl, 0:21:21.960 --> 0:21:22.320 what's up? 0:21:23.440 --> 0:21:23.640 Yeah? 0:21:23.640 --> 0:21:26.800 I just wanted to share an experience that my daughter had. 0:21:26.880 --> 0:21:30.920 She has three kids and they're married, and she was 0:21:30.960 --> 0:21:34.200 diagnosed with cancer and they had all these scans and 0:21:34.240 --> 0:21:37.160 they had to go through and remove their limp notes 0:21:37.320 --> 0:21:41.920 and it was pretty intensive surgery, and her insurance coming 0:21:41.960 --> 0:21:45.520 I think over that period of time spent pretty close 0:21:45.560 --> 0:21:48.280 to over around three quarters of a million dollars covering 0:21:48.320 --> 0:21:50.879 some of her care, but then she was left with 0:21:50.920 --> 0:21:55.359 a balance, and she tried to work with uc on 0:21:55.840 --> 0:21:59.240 trying to cover some of that balance, and they could 0:21:59.320 --> 0:22:01.760 never come up within a payment. She's They just kept 0:22:01.760 --> 0:22:03.680 telling her, well, your payment's too Oh, that's no good, 0:22:03.720 --> 0:22:06.280 that's no good, and boom, they turned her over to 0:22:06.359 --> 0:22:10.200 a collection agency, put a lien on her house, try 0:22:10.240 --> 0:22:12.800 to guarantee your wages. And here she's going through cancer, 0:22:13.320 --> 0:22:16.760 but she's supposed to be calm and RESTful and all 0:22:16.800 --> 0:22:18.920 this stress that they put on her with their three 0:22:18.920 --> 0:22:23.119 little kids, right, was just unbelievable and ruthless. 0:22:23.240 --> 0:22:25.560 Yeah, and I get I get the fact that the 0:22:25.600 --> 0:22:28.240 hospitals and the providers need to be made whole because 0:22:28.520 --> 0:22:31.919 somebody has to pay for it, right, And I get that, 0:22:31.960 --> 0:22:33.639 and it seems cruel at the time because you know, 0:22:33.640 --> 0:22:35.280 I mean, do you really need to deal with bills 0:22:35.280 --> 0:22:37.760 and worry about that when you're fighting for your life 0:22:38.280 --> 0:22:41.199 so you for your children and your babies because you 0:22:41.240 --> 0:22:43.359 have cancer. No, no one wants to go through that. 0:22:44.240 --> 0:22:46.760 And and the problem can be fixed, I think, but 0:22:46.840 --> 0:22:49.359 it's going to take an effort better than we're getting 0:22:49.359 --> 0:22:52.359 from our elected officials right now. If this issue touches 0:22:52.440 --> 0:22:55.840 all lives, young, old, left and right, black and white, male, female, 0:22:56.400 --> 0:22:58.280 then then damn it, there's got to be some sort 0:22:58.280 --> 0:23:00.280 of uh, there's got to be some result on the 0:23:00.280 --> 0:23:02.600 part of our lawmakers to do something other than just 0:23:02.920 --> 0:23:05.199 you know, continue to band aid relief like this is 0:23:05.480 --> 0:23:07.879 this will help this bill. But the core issue is 0:23:07.880 --> 0:23:09.560 the fact is healthcare is out of control. When it 0:23:09.600 --> 0:23:11.320 comes to expenses, it's got to be blown up. 0:23:12.320 --> 0:23:14.600 It's it's out of control. And I think you do 0:23:14.720 --> 0:23:19.040 need to look at individual cases. But for the lack 0:23:19.080 --> 0:23:23.200 of compassion and for the millions and millions of dollars 0:23:23.240 --> 0:23:28.040 that you see gets in just grants and donors and 0:23:28.080 --> 0:23:34.639 everything else, it was just unbelievable, how cruel and uh, 0:23:36.000 --> 0:23:38.440 this whole process where they end up having to sell their. 0:23:38.359 --> 0:23:41.200 Own to the can you imagine. 0:23:41.440 --> 0:23:44.760 I mean, well, I APRAI she's better than things that 0:23:44.920 --> 0:23:46.120 have since gotten better for. 0:23:47.440 --> 0:23:49.679 Yes, And I mean it had like I said, they 0:23:49.680 --> 0:23:50.280 had to tell. 0:23:51.320 --> 0:23:53.400 So many people. Yeah, I appreciate it. Thanks, I'm glad 0:23:53.400 --> 0:23:55.159 that things are going better. But this is just a 0:23:55.200 --> 0:23:55.760 horror stories. 0:23:55.800 --> 0:23:56.280 What that is? 0:23:56.800 --> 0:23:56.919 Uh? 0:23:56.960 --> 0:23:59.040 Does that really should that be happening in our America 0:23:59.240 --> 0:24:02.840 right now, I mean happening, but should it and we 0:24:02.880 --> 0:24:04.600 can do better, But it starts with those we send 0:24:04.640 --> 0:24:08.520 to do our bidding to Washington, and uh, I don't know. 0:24:08.520 --> 0:24:10.000 I think maybe in the future, and we'll get more 0:24:10.000 --> 0:24:12.040 of this later on during the course of the show. 0:24:12.040 --> 0:24:14.720 But I think in the future you can almost sense 0:24:14.760 --> 0:24:17.360 and you know, I know that what the Russians talking about, 0:24:17.359 --> 0:24:19.159 there's gonna be a civil war, and I know there'd 0:24:19.200 --> 0:24:20.679 be a civil war, but there's gonna be a great 0:24:20.960 --> 0:24:22.760 a great change I think is coming. And we thought 0:24:22.760 --> 0:24:25.600 we might get that someone with Trump, but in this aspect, 0:24:25.640 --> 0:24:28.359 it hasn't been touched yet. Anyway, It's five one, three, seven, four, 0:24:28.440 --> 0:24:31.560 nine seven the Big One talk Back iHeartRadio app Also, 0:24:31.920 --> 0:24:34.560 I will point this out. Last night h and an 0:24:34.640 --> 0:24:36.960 issue close to home. Of course, we had another shooting 0:24:37.520 --> 0:24:41.000 at Fountain Square. So you know what is that if 0:24:41.000 --> 0:24:43.200 you're doing if you're doing the math on this. By 0:24:43.240 --> 0:24:46.440 the way, last week, two guys fired handguns across the 0:24:46.520 --> 0:24:49.520 road in rush hour traffic. One guy was shot, his 0:24:49.560 --> 0:24:51.560 car was shot up to but rush hour traffic, two 0:24:51.640 --> 0:24:54.560 clowns pull up guns because they had some stupid beef 0:24:54.640 --> 0:24:57.760 or for some petty crap and decided to shoot each other. Luckily, 0:24:58.000 --> 0:25:02.440 no one passerby was injured. Last night, it happened again 0:25:02.480 --> 0:25:04.639 at Fountain Square in front of City Bird. Two people 0:25:04.680 --> 0:25:09.360 in custody, One ran off, that person was taken down 0:25:09.400 --> 0:25:12.000 by a CPD officer who is working to detail at 0:25:12.000 --> 0:25:15.760 the square. Another person who was the subject of the 0:25:15.760 --> 0:25:17.960 gunfire was shot. So they were injured, and so you 0:25:18.080 --> 0:25:20.800 got a person suspected of firing that weapon. The s 0:25:20.840 --> 0:25:23.040 flood the scene was apprehended, thank god. The other person 0:25:23.080 --> 0:25:25.840 who's shot has been as well. So you had a 0:25:25.840 --> 0:25:28.240 couple of peoples shot last night. Fortunately no one at Citybird, 0:25:28.240 --> 0:25:30.639 no one on the square was shot. As all of this, 0:25:31.800 --> 0:25:34.800 we've had eighteen shootings to date in that area in particular, 0:25:34.920 --> 0:25:36.760 and I thought this was supposed to be We're going 0:25:36.840 --> 0:25:38.719 to get tough on crime. We've got curfews who've got 0:25:38.760 --> 0:25:41.000 everything else, and it just it does not seem to 0:25:41.000 --> 0:25:43.000 be working at all. It doesn't seem to be working. 0:25:43.080 --> 0:25:45.439 And what is a solution. I think that's a good question. 0:25:45.800 --> 0:25:48.600 Liz Keating, of course, former council person's also running and 0:25:48.760 --> 0:25:50.040 she's checking in the show this morning. 0:25:50.080 --> 0:25:51.439 Hey Liz, thanks for collinga. How are you. 0:25:53.320 --> 0:25:55.800 I'm good, but I'm set up. I am absolutely set 0:25:55.920 --> 0:25:57.159 up with all of this going on. 0:25:57.320 --> 0:25:58.400 Is that why you're running again? 0:25:58.440 --> 0:26:01.400 Because you know, you were council person and then other 0:26:01.400 --> 0:26:03.800 people said, now we need more touchy feely folks. We've 0:26:03.800 --> 0:26:05.560 got to you know, we got to care about the envirore, 0:26:05.600 --> 0:26:07.280 We got to worry about all this other stuff, and 0:26:07.520 --> 0:26:09.240 you know, took our eye off the prize, which is 0:26:09.280 --> 0:26:11.320 you know, number one is public safety. We've taken our 0:26:11.359 --> 0:26:14.040 eyes off the prize is this and I told you 0:26:14.119 --> 0:26:15.040 so kind a phone call. 0:26:17.160 --> 0:26:18.719 It's a bit of an I told you so, and 0:26:18.760 --> 0:26:21.399 it's a bit of everyone is fed up and we 0:26:21.480 --> 0:26:24.120 need leaders down there that actually care about. 0:26:24.080 --> 0:26:25.000 Keeping people safe. 0:26:25.040 --> 0:26:27.560 That is the number one job of local government is 0:26:27.600 --> 0:26:30.320 to keep people safe and be able to respond in emergencies. 0:26:30.359 --> 0:26:33.560 And council is sailing at that number one job right now. 0:26:33.640 --> 0:26:36.000 I can tell there's an election because right after the 0:26:36.040 --> 0:26:38.680 shooting there was a statement by the mayor, f Ted Peirval, 0:26:39.160 --> 0:26:41.679 who said the violence is beyond the pale and intolerable. 0:26:41.720 --> 0:26:44.680 Normally would take weeks for him to respond. Apparently there's 0:26:44.680 --> 0:26:46.560 an election coming up, and now it taking minutes for 0:26:46.640 --> 0:26:47.240 him to respond. 0:26:47.440 --> 0:26:48.320 Isn't that progress? 0:26:50.000 --> 0:26:52.240 I mean, let's look at council for a second. 0:26:52.320 --> 0:26:56.399 I mean they have long public Safety committee meeting this morning. 0:26:56.760 --> 0:27:01.080 We've consistently heard that Council has prior archise public safety. 0:27:01.160 --> 0:27:03.840 Yet only four of nine council members serve on the 0:27:03.880 --> 0:27:05.920 Public Safety Committee, only four. 0:27:06.240 --> 0:27:08.520 They only have two items on their agenda. 0:27:08.600 --> 0:27:10.520 They have not met in two weeks. 0:27:10.720 --> 0:27:13.720 So We've had two shootings on Suntain Square and they 0:27:13.760 --> 0:27:16.119 only have two items on the agenda, neither of which 0:27:16.160 --> 0:27:18.480 are talking about shootings that are going on in the 0:27:18.520 --> 0:27:21.560 heart of downtown. They've only had five items on their 0:27:21.600 --> 0:27:25.200 agenda over the last six weeks on public safety. Where 0:27:25.320 --> 0:27:28.200 is council when this death matters like we have had 0:27:28.200 --> 0:27:32.160 shootings and particularly kids being shot and killed the entire summer, 0:27:32.520 --> 0:27:35.600 and we are still yet to see actual activity coming 0:27:35.640 --> 0:27:38.639 from Council, who, by the way, they appropriate the funds, 0:27:38.800 --> 0:27:42.800 they make, the legislation and the policies that can fight this, 0:27:43.040 --> 0:27:45.120 and they are they are nowhere. All we're hearing from 0:27:45.119 --> 0:27:48.480 Council is the numbers are going down. Everything's fine. Don't 0:27:48.480 --> 0:27:51.520 look over here. We're all good re elect us. 0:27:51.600 --> 0:27:54.520 Well, it depends on what numbers. It depends on what 0:27:54.640 --> 0:27:57.879 numbers you're looking at right now. But in particular one 0:27:57.880 --> 0:28:00.000 of the property crime break ins that those numbers are 0:28:00.200 --> 0:28:02.920 again and in this case, we've last year at the time, 0:28:02.920 --> 0:28:05.560 we have ten shootings. Now we have eighteen. That seems 0:28:05.640 --> 0:28:07.280 up to me. Listen to you, I'm not good at math, 0:28:07.359 --> 0:28:07.920 LIZI you tell. 0:28:07.840 --> 0:28:08.520 Me it is. 0:28:09.400 --> 0:28:10.480 Yeah, yeah, I mean it. 0:28:10.960 --> 0:28:15.119 It is significantly higher, particularly in our urban core, and 0:28:15.200 --> 0:28:17.159 we need leaders who are paying attention to that. But 0:28:17.200 --> 0:28:19.919 we also need leaders who care about whether or not 0:28:19.960 --> 0:28:22.600 people actually feel safe, because if people don't feel safe, 0:28:22.600 --> 0:28:24.560 they are not going to go downtown. They're not going 0:28:24.640 --> 0:28:27.920 to go support those small businesses that are the livelihood 0:28:27.920 --> 0:28:29.679 of so many families in our city. 0:28:29.920 --> 0:28:32.480 We have got to have council members who actually care 0:28:32.520 --> 0:28:32.879 about this. 0:28:33.040 --> 0:28:35.400 They care about keeping people safe and making sure people 0:28:35.480 --> 0:28:38.240 feel safe. Yeah, but tech we either it's happening right now. 0:28:38.280 --> 0:28:38.920 Should we just. 0:28:38.920 --> 0:28:40.760 Pay people not to commit crimes? Wouldn't that be the 0:28:40.760 --> 0:28:43.280 easy way? I mean, we subsidize everything else. They're just 0:28:43.320 --> 0:28:45.640 talking about that with healthcare. Why not just pay these people? 0:28:45.800 --> 0:28:47.920 I think that was jan Michelle Iman Kearney's proposal, we'll 0:28:47.960 --> 0:28:50.280 pay people not commit crimes, So what's wrong with that? 0:28:52.080 --> 0:28:54.120 It is absolutely absurd. You got to be tough on 0:28:54.200 --> 0:28:55.560 crime and the causes of crime. 0:28:55.600 --> 0:28:58.840 You cannot just say you decide we're going to pay 0:28:58.840 --> 0:29:02.920 people with no accountability whatsoever because it's no partnership with 0:29:03.000 --> 0:29:05.400 the actual police department, so no way to track to 0:29:05.400 --> 0:29:08.560 see if somebody that we're paying to not shoot is 0:29:08.560 --> 0:29:11.880 not shooting somebody else. If people are actively shooting, they 0:29:11.920 --> 0:29:15.160 should be in jail. We should be off our streets. 0:29:15.040 --> 0:29:19.160 Where Julliz keating, we're downtown fairly regularly. We're overdue for 0:29:19.200 --> 0:29:21.560 a visit downtown in a staycation, which I love spending 0:29:21.560 --> 0:29:22.240 money in our city. 0:29:22.240 --> 0:29:22.760 I really do. 0:29:23.440 --> 0:29:26.120 This does not dissuade me from going down and doing that, hopefully. 0:29:26.160 --> 0:29:29.400 Some people said, I haven't been downtown in years. Other 0:29:29.400 --> 0:29:32.200 people say it doesn't bother me at all. It certainly 0:29:32.200 --> 0:29:34.440 doesn't help when you have things like this going on, 0:29:34.480 --> 0:29:36.640 because it does make you one look over their shoulder. 0:29:37.360 --> 0:29:40.040 But I will say that it's starting to have that 0:29:40.120 --> 0:29:42.200 kind of effect. I mean, I don't know. The River 0:29:42.320 --> 0:29:45.040 Roots thing didn't really go off as they thought, and 0:29:45.040 --> 0:29:46.960 it may have been the planners. But I can't help 0:29:46.960 --> 0:29:49.560 but think that when we have events and we don't 0:29:49.600 --> 0:29:53.240 have as many people showing up, this may be one 0:29:53.280 --> 0:29:54.400 of the factors involved. 0:29:56.200 --> 0:29:57.920 I think it is one of the factors. I think 0:29:57.920 --> 0:30:00.280 a tough economy is also one of the factors. But 0:30:00.360 --> 0:30:03.360 we knew this coming, and we've seen the economy shifting, 0:30:03.720 --> 0:30:06.440 We've seen prices go higher. We knew that when this 0:30:06.560 --> 0:30:08.880 happens in the economy, that crime goes up, that. 0:30:08.880 --> 0:30:10.160 Mental health issues go up. 0:30:10.400 --> 0:30:12.840 There could have been work going on two years ago 0:30:13.040 --> 0:30:16.680 to prevent this. Everyone saw it coming. Everyone isn't pointing 0:30:16.680 --> 0:30:19.040 out that this is coming, and we saw no action 0:30:19.200 --> 0:30:19.840 from council. 0:30:20.120 --> 0:30:20.640 And you're right. 0:30:20.680 --> 0:30:23.000 I will continue to go downtown. I will continue to 0:30:23.000 --> 0:30:26.640 support those businesses because those that is so critical to 0:30:26.840 --> 0:30:29.600 continuing the success of our city. But I will not 0:30:29.840 --> 0:30:32.600 sit by when we have council members who just keep saying, 0:30:32.800 --> 0:30:35.520 don't worry, crime is going down, Everything's fine, We're doing 0:30:35.520 --> 0:30:38.040 a good job. We have to have leaders who are 0:30:38.080 --> 0:30:42.200 not satisfied until crime is at zero and people feel safe. 0:30:42.440 --> 0:30:44.320 And the problem for me is in seeing this is 0:30:44.400 --> 0:30:46.480 then we have Okay, we're going to spend some money 0:30:46.520 --> 0:30:48.200 we're going to take four and a half million dollars 0:30:48.240 --> 0:30:50.440 and we'll give the kauka. But then you start looking 0:30:50.440 --> 0:30:52.640 through and it's like, there's programs, so this program and 0:30:52.680 --> 0:30:55.720 that's how it passes. Obviously, somebody gets their program, and 0:30:55.800 --> 0:30:57.239 as far as I can tell, not all of them, 0:30:57.280 --> 0:30:59.480 but there's a good number of programs that exist just 0:30:59.520 --> 0:31:01.959 to fee the rabel rousers in a sense that we're 0:31:02.000 --> 0:31:03.800 going to take this money and we're not going to 0:31:03.840 --> 0:31:05.800 be accountable for it. It's going to pay someone off. 0:31:05.800 --> 0:31:07.480 We're going to have a minister, we're gonna have someone 0:31:07.480 --> 0:31:09.520 to say, we're gonna get this my well, what have 0:31:09.600 --> 0:31:09.880 you done? 0:31:09.920 --> 0:31:10.280 Nothing? 0:31:10.360 --> 0:31:13.880 And I point out because I you know, Iris Rawley's son, right, 0:31:13.920 --> 0:31:15.960 what was he making like sixty bucks an hour or 0:31:16.000 --> 0:31:18.280 something like that to be an ambassador? Who the hell's 0:31:18.320 --> 0:31:21.200 get sixty dollars to stand around Fountain Square and do what. 0:31:24.240 --> 0:31:27.280 I mean? My problem is that they're waiting until right 0:31:27.280 --> 0:31:28.880 before in election you spend that money. 0:31:29.000 --> 0:31:30.480 Where was that money being spent. 0:31:30.520 --> 0:31:33.240 Where were these programs being spent at the beginning of 0:31:33.280 --> 0:31:35.640 summer when we were seeing kids being shot and killed 0:31:36.040 --> 0:31:38.640 every single week. This is the kind of stuff that 0:31:38.640 --> 0:31:40.560 as soon as you put the programs in place, as 0:31:40.560 --> 0:31:42.880 soon as you start spending the money, you come back 0:31:42.880 --> 0:31:45.479 at Public Safety Committee meeting and you check on it 0:31:45.520 --> 0:31:46.040 every week. 0:31:46.080 --> 0:31:48.040 How are our numbers? What are we doing? Is what 0:31:48.080 --> 0:31:50.920 we're doing working. When I was on counsel, I led 0:31:50.960 --> 0:31:51.880 the Main Street. 0:31:51.600 --> 0:31:53.920 Task Force when we were having shootings on Main Street 0:31:54.280 --> 0:31:58.160 every single week between Central Parkway and Liberty. We met 0:31:58.200 --> 0:32:02.840 on a weekly basis with different organizations and departments to 0:32:02.960 --> 0:32:07.040 continue to be relentless on solving the problem from a 0:32:07.040 --> 0:32:12.240 holistic standpoint, whether that's parking enforcement, health enforcement to Health 0:32:12.240 --> 0:32:15.320 department to shut down illegal food vendors, is working with 0:32:15.480 --> 0:32:18.440 Uber the geo fends to pick up in different areas 0:32:18.480 --> 0:32:20.200 so you can move some of the drug dealing in 0:32:20.600 --> 0:32:22.480 the car sitting around, moving that along. 0:32:22.800 --> 0:32:24.240 But we spent time. 0:32:24.120 --> 0:32:27.239 Downtown at Q three am on Saturday nights when there 0:32:27.240 --> 0:32:29.000 were the problems, to see if the work that we 0:32:29.000 --> 0:32:32.160 were doing was actually working, coming back and reporting and 0:32:32.160 --> 0:32:34.680 figuring out what more changes you have to keep showing 0:32:34.760 --> 0:32:38.000 up every single day with the result to solve the issue. 0:32:38.120 --> 0:32:40.160 And we're not seeing that. We're seeing a bunch of 0:32:40.200 --> 0:32:42.840 money being spent right before an election that money should 0:32:42.880 --> 0:32:45.920 have been spent months ago when we saw this going up, 0:32:46.160 --> 0:32:49.360 and then constantly needing each and every week to see 0:32:49.400 --> 0:32:52.160 how it is working. We're not seeing that. We're just 0:32:52.240 --> 0:32:54.440 hearing from council members saying numbers are going down. 0:32:54.520 --> 0:32:55.840 I think I speak for a lot of people, and 0:32:55.880 --> 0:32:58.360 I said I'm tired of them spending money on programs. Assimilarly, 0:32:58.360 --> 0:33:01.000 there's no accountabilities, no jerseys. We're just giving, we're paying 0:33:01.000 --> 0:33:03.280 people off, and the problem continues to exist. The people 0:33:03.320 --> 0:33:06.000 we allegedly are helping aren't getting helped at all. It's 0:33:06.080 --> 0:33:08.560 just a transference of wealth and it's a skim is 0:33:08.560 --> 0:33:12.880 what it is. Similarly, Liz Keating, today, I think council's 0:33:12.960 --> 0:33:15.920 meeting to discuss food trucks and how to further regular 0:33:16.040 --> 0:33:18.400 food trucks. We saw the problem, of course, with the 0:33:18.440 --> 0:33:21.280 after hours places that were open in many neighborhoods. Roselin 0:33:21.360 --> 0:33:23.760 comes to mind with a hookah lounge, and we've got 0:33:23.760 --> 0:33:25.880 shootouts at the hookah lounge and people hanging around on 0:33:25.920 --> 0:33:28.040 the street till three four in the morning all night long, 0:33:28.400 --> 0:33:31.920 causing problems, scaring people well, intimidating people, and also some 0:33:32.000 --> 0:33:35.760 violence going on as well, and we're contemplating what to 0:33:35.760 --> 0:33:38.000 do about that. But meanwhile, one of the solutions was 0:33:38.040 --> 0:33:41.080 to cause the food trucks to shut down at eleven 0:33:41.120 --> 0:33:44.400 o'clock or midnight or whatever it was, which is, we're 0:33:44.440 --> 0:33:48.360 just punishing law abiding people for the sake of alleged 0:33:48.360 --> 0:33:51.640 public safety. But the optics of that are somehow that well, 0:33:51.640 --> 0:33:53.840 if we give with the food trucks, then the degenerates 0:33:53.840 --> 0:33:55.800 won't go when and they won't be able to eat, 0:33:55.800 --> 0:33:58.400 so they'll go home, which of course is the exact 0:33:58.440 --> 0:33:59.880 opposite of what you should be doing. 0:34:00.120 --> 0:34:01.280 These people have no sense. 0:34:02.960 --> 0:34:03.640 Yeah, I mean, we. 0:34:03.640 --> 0:34:08.160 Cannot blame small businesses for the crime numbers when council 0:34:08.239 --> 0:34:09.200 cannot help. 0:34:09.080 --> 0:34:12.360 Solve this on their own. It is absolutely. 0:34:11.680 --> 0:34:14.279 Absurd, and it's absurd that it's taken this long for 0:34:14.360 --> 0:34:17.600 Counsel to act. When the food trucks we're getting those 0:34:17.640 --> 0:34:21.040 types of regulations weeks ago, it's taken them this long 0:34:21.120 --> 0:34:24.040 to actually respond to it. We cannot punish You're right, 0:34:24.080 --> 0:34:26.680 You're exactly right. We cannot punish these small businesses for 0:34:26.760 --> 0:34:29.600 the crime going on. Now. There are some businesses that 0:34:29.840 --> 0:34:35.080 do create problems, and that's why we have certain measures 0:34:35.120 --> 0:34:38.080 to be able to whether it's revoking liquor licenses or 0:34:38.120 --> 0:34:40.440 shutting it down, if they're not doing what they're supposed 0:34:40.440 --> 0:34:42.560 to do and causing it. We have not seen that 0:34:42.640 --> 0:34:45.640 from the Food Trust venders, food Trust vendors. Those are 0:34:46.040 --> 0:34:48.520 small businesses are the lifeblood of our city. 0:34:48.800 --> 0:34:50.400 That is how we support families. 0:34:50.400 --> 0:34:53.760 That's how you get paychecks going home to support families 0:34:53.760 --> 0:34:56.760 and give them better opportunities. If we can't allow small 0:34:56.800 --> 0:34:59.920 businesses to thrive in Cincinnati, then we've got a real problem. 0:35:00.080 --> 0:35:00.520 Yeah. 0:35:00.560 --> 0:35:03.359 I think the bottom line, Liz Keating, is that we've 0:35:03.360 --> 0:35:05.239 got to get serious about these criminals. I mean, we 0:35:05.280 --> 0:35:07.000 live in a time where I mean, let's face it, 0:35:07.040 --> 0:35:10.279 the people are doing this are self absorbed. 0:35:11.360 --> 0:35:12.080 Sociopaths. 0:35:12.120 --> 0:35:14.399 I mean getting I mean and shooting at each other 0:35:14.440 --> 0:35:16.960 acrosses crowded street in the middle of the afternoon as 0:35:16.960 --> 0:35:20.319 commuters go back and forth over some beef or last night, 0:35:20.320 --> 0:35:22.279 what happened to fountain scorn front a city bird over 0:35:22.360 --> 0:35:24.399 some stupid argument, and guns are going to come out. 0:35:24.560 --> 0:35:27.360 Be damned everyone else around you. I'm sorry those people. 0:35:27.600 --> 0:35:30.160 We have a cancer, and it's a cancer of self absorption. 0:35:30.480 --> 0:35:32.200 I don't care how many programs and we've got to 0:35:32.200 --> 0:35:33.919 be gentle and we got to treat these poor kids. 0:35:33.960 --> 0:35:35.840 I'm sorry you got that. 0:35:36.320 --> 0:35:38.480 That's over. We've got to round these people up and 0:35:38.560 --> 0:35:41.279 incarcerat them. That's the only way out of this. And 0:35:41.320 --> 0:35:44.160 sadly we're making more degenerates like this causing havoc for 0:35:44.200 --> 0:35:46.719 our city. Liz Keating, thanks for checking in this morning. 0:35:46.719 --> 0:35:49.480 Good luck with the election come up as you seek 0:35:49.520 --> 0:35:51.400 the vote to be able to re elect to the council. 0:35:51.400 --> 0:35:53.879 Thanks again, Yeah, thank you. 0:35:54.520 --> 0:35:56.360 Change in Cincinnati, No kidding. 0:35:56.480 --> 0:36:00.120 Another shooting last night. Sloany seven hundred wws and. 0:36:02.800 --> 0:36:03.359 Here we go. 0:36:03.360 --> 0:36:07.200 Sloany seven hundred other in this Tuesday morning watching Speaker 0:36:07.520 --> 0:36:10.840 Johnson talk about the government shutdown, I don't have the 0:36:10.880 --> 0:36:13.439 sound up, but I guess it's blah blah blah blah blah. 0:36:13.520 --> 0:36:16.000 And then maybe Chuck Schumer or somebody will pop on, 0:36:16.120 --> 0:36:18.160 or Jeffries will go on, and I'll say blah blah 0:36:18.200 --> 0:36:20.520 blah blah blah ah. So anyway, more of the same 0:36:20.560 --> 0:36:24.279 nonsense in the theater that continues, however, is as much 0:36:24.320 --> 0:36:27.520 as a theater as it is. There's still some impact 0:36:27.600 --> 0:36:29.520 with this. We know that there's people losing their jobs. 0:36:29.640 --> 0:36:32.680 People who are laid off or furloughed worry about maybe 0:36:32.760 --> 0:36:36.240 making that mortgage, your car payment. Certainly that is a concern, 0:36:36.320 --> 0:36:38.560 and a real one at that, because this affects real people, 0:36:39.360 --> 0:36:40.800 just not in the numbers they would have let you 0:36:40.880 --> 0:36:43.080 to believe. Now, part of this, too has to do 0:36:43.239 --> 0:36:47.279 with forty one hundred employees across different government agencies may 0:36:47.280 --> 0:36:49.920 be terminated. We'll find out there. And one of the 0:36:49.960 --> 0:36:52.480 areas that's under concerned and we'll find out tomorrow, is 0:36:53.040 --> 0:36:54.880 wealthy members of the military get paid. 0:36:55.120 --> 0:36:57.000 I think that's a pretty good question. 0:36:57.320 --> 0:36:59.880 The folks that are out there keeping the peace and 0:37:00.480 --> 0:37:03.480 trying to protect America probably should get a paycheck. 0:37:03.480 --> 0:37:05.160 Who you're out there put your life on the line 0:37:05.160 --> 0:37:05.640 every day. 0:37:06.480 --> 0:37:08.239 This and the other things to talk about with the 0:37:08.320 --> 0:37:10.239 Glenn Welling for the first time in the show. He's 0:37:10.239 --> 0:37:13.680 the executive director of the Hamlet County Veteran Service Commission. Glenn, Welcome, 0:37:13.719 --> 0:37:14.080 how are you. 0:37:15.480 --> 0:37:18.200 Good morning, Scott. I'm doing very well and it's great 0:37:18.200 --> 0:37:18.759 to be on with you. 0:37:18.760 --> 0:37:19.239 The thanks. 0:37:19.239 --> 0:37:20.960 I appreciate thanks for your service. I know you're a 0:37:21.000 --> 0:37:22.000 Navy guy. Love me some. 0:37:22.120 --> 0:37:26.960 Navy, go Navy, beat Army and well, let's start with that. 0:37:27.280 --> 0:37:29.239 Let's start with whether or not the troops are going 0:37:29.280 --> 0:37:31.000 to get people are going to get paid in the military. 0:37:31.080 --> 0:37:33.640 I think it seems like they found the money, they said, 0:37:33.640 --> 0:37:35.800 which goes to show you the seriousness of the shutdown. 0:37:35.880 --> 0:37:39.880 Not that not paying our soldiers, sailors, and airmen and 0:37:39.920 --> 0:37:42.600 women and Coastguard for that matter, not a concern, but 0:37:42.960 --> 0:37:44.960 you know, they found the money somewhere, somewhere in the 0:37:45.719 --> 0:37:48.160 trillions of dollars and budget money that we have out there, 0:37:48.200 --> 0:37:49.960 Somewhere they found the money to be able to pay 0:37:49.960 --> 0:37:52.560 all the good men and women of our armed services. Allegedly, 0:37:52.600 --> 0:37:53.279 we'll find out. 0:37:55.040 --> 0:37:57.479 Yeah, that's what I've heard as well. I'm not sure 0:37:57.520 --> 0:38:01.239 about that. I understand that perhaps they're looking at least 0:38:01.280 --> 0:38:06.680 temporarily within the research and development section within what is 0:38:06.719 --> 0:38:09.440 now called the Department of War. But I've heard the 0:38:09.480 --> 0:38:10.000 same thing. 0:38:11.239 --> 0:38:12.480 But I agree. 0:38:12.520 --> 0:38:16.799 Well, I, you know, spent thirty seven years in the 0:38:16.880 --> 0:38:20.279 Navy all totally, I went through a number of those 0:38:20.320 --> 0:38:24.160 government shutdowns. And I also have a daughter who's currently 0:38:24.200 --> 0:38:27.440 serving on active duty as a combat engineer in the Army, 0:38:28.160 --> 0:38:31.200 And yeah, I can tell you from my own experience 0:38:31.200 --> 0:38:33.560 and from what my daughter has relayed is that our 0:38:33.600 --> 0:38:38.080 service members are focused first and foremost on accomplishing our mission. 0:38:38.920 --> 0:38:42.279 Yeah, but but you still need to get money and 0:38:42.360 --> 0:38:45.040 be able that you still have bills. Just because you're 0:38:45.040 --> 0:38:46.920 in the Armed Services doesn't mean you don't have. 0:38:46.880 --> 0:38:50.720 Bills absolutely, And unfortunately, you know, lack of a paycheck 0:38:50.760 --> 0:38:54.960 can be a significant distraction and from focused on mission 0:38:55.000 --> 0:39:00.200 and caused increased stress and concern. So anyone looks thing 0:39:00.600 --> 0:39:03.719 should reach out to their elected representatives encouraging them to 0:39:03.800 --> 0:39:07.200 support what's known as the Pay Our Troops Act HR 0:39:07.320 --> 0:39:11.040 fifty four oh one, And that's legislation that ensures military 0:39:11.400 --> 0:39:16.359 members including Coast Guard, will continue to receive pay during 0:39:16.400 --> 0:39:20.560 the government shutdown. And that's that's not a partisan request 0:39:20.600 --> 0:39:22.719 in any way. As a matter of fact, I also 0:39:23.280 --> 0:39:25.560 president of the Navy League Council here in Cincinnati, and 0:39:25.920 --> 0:39:28.440 we've pushed that information out to all of our members 0:39:28.520 --> 0:39:30.640 can encouraging them to do that as well. 0:39:31.520 --> 0:39:34.040 Glenn, has this a fact that at all you foresee 0:39:34.040 --> 0:39:38.319 it affecting VA healthcare programs for our veterans. 0:39:39.280 --> 0:39:42.600 Currently, that is not what we know at this point. 0:39:42.880 --> 0:39:46.839 Core VA benefits like disability pens and education payments are 0:39:46.920 --> 0:39:50.680 not currently affected by the government shutdown, and they should 0:39:51.080 --> 0:39:53.759 continue to be processed and delivered. At least that's what 0:39:54.120 --> 0:39:57.160 the VA is saying at this point. However, one of 0:39:57.160 --> 0:39:59.680 the things to shut down can impact is customer service 0:39:59.719 --> 0:40:04.200 and administrative functions. But in terms of those payments being 0:40:04.280 --> 0:40:07.319 processed from the VA, as far as we know right now, 0:40:07.360 --> 0:40:08.920 those are still being processed. 0:40:09.040 --> 0:40:09.800 Well, that's the probable. 0:40:09.840 --> 0:40:11.840 We need to do that because we have as I 0:40:12.120 --> 0:40:13.759 have to tell you because you're the head of the 0:40:14.120 --> 0:40:17.520 Hamma County Veteran Service Commission, but aging veterans, the number 0:40:17.520 --> 0:40:20.040 of those are growing two post nine to eleven service members. 0:40:20.320 --> 0:40:22.560 We know wait times are up at the VA as well. 0:40:22.880 --> 0:40:24.400 I hate to have this compound that. 0:40:26.040 --> 0:40:30.080 That's exactly right, and we here at the Hamilton County 0:40:30.120 --> 0:40:34.080 Veterans Service Commission. We serve more than thirty seven thousand 0:40:34.239 --> 0:40:39.319 veterans here in Hamilton County and their family members and 0:40:39.400 --> 0:40:43.040 so by veteran, those who have received their d D 0:40:43.160 --> 0:40:47.160 two fourteen, which is their certificate of release or discharge 0:40:47.760 --> 0:40:52.080 from active duty, and we're here to continue to help 0:40:52.120 --> 0:40:52.680 support them. 0:40:52.680 --> 0:40:53.359 While we are not. 0:40:53.440 --> 0:40:57.839 The VA, we are here to help connect them our 0:40:57.880 --> 0:41:01.680 mission is to connect those veterans to resources at the federal, state, 0:41:01.800 --> 0:41:03.920 and local level. So that's what we do here at 0:41:03.960 --> 0:41:05.239 the Veteran Service Commissions. 0:41:05.360 --> 0:41:07.960 Yeah, in part of you know, we've talked about long 0:41:07.960 --> 0:41:13.040 wait times and in reporting of dated at certain VA facilities. 0:41:13.040 --> 0:41:15.200 That that's part and parcel for the problem, I think too. 0:41:15.280 --> 0:41:17.880 But making sure that the VA can go on and 0:41:18.160 --> 0:41:20.759 taking care of the veterans that need that care and 0:41:20.760 --> 0:41:22.960 are leaning on that care just simply can't go away 0:41:23.000 --> 0:41:26.200 because of some silly government showdown. A shutdown doesn't seem 0:41:26.200 --> 0:41:27.120 like that's the case, which is. 0:41:27.080 --> 0:41:31.000 Good news, yes for sure, Glenn. 0:41:31.040 --> 0:41:33.800 One of the other issues facing the veterans, to particular 0:41:33.840 --> 0:41:36.280 in Hamlin County is the issue of homelessness. We probably 0:41:36.280 --> 0:41:38.560 see that more in Hamlin County because it's, you know, 0:41:38.600 --> 0:41:41.040 one of the biggest counties in the state of Ohio, 0:41:41.320 --> 0:41:43.120 and I know that number nationally has gone up for 0:41:43.239 --> 0:41:45.800 seven percent. What do you guys doing there to combat 0:41:45.840 --> 0:41:47.640 that and how much of that are you seeing, especially 0:41:47.680 --> 0:41:48.520 with the winter months coming. 0:41:49.880 --> 0:41:53.280 Well, that's a great question. One of our core pillars 0:41:53.280 --> 0:41:56.640 here at the VSC is financial assistance, So we provide 0:41:56.719 --> 0:42:02.520 finani temporary financial assistance for veterans in need, and part 0:42:02.520 --> 0:42:08.040 of that is to include temporary housing. We also have relationships. 0:42:08.120 --> 0:42:09.799 As a matter of fact, we have a relationship with 0:42:09.920 --> 0:42:14.880 the owners of the Quality in Over on eighth Street, 0:42:14.920 --> 0:42:18.400 and there's an entire floor there, the sixth floor is 0:42:18.440 --> 0:42:22.920 dedicated to temporary veteran housing. We partner with hud that 0:42:24.239 --> 0:42:27.719 to help provide financing for that. So it's certainly a 0:42:27.760 --> 0:42:31.480 focus area of ours, and we're looking to continue to 0:42:31.680 --> 0:42:35.680 expand that, perhaps two other organizations that can partner with them, 0:42:35.719 --> 0:42:39.760 for instance, like Easter Seals, Redwoods and other veteran service 0:42:39.840 --> 0:42:41.360 organizations here in Hamilton County. 0:42:41.480 --> 0:42:44.080 Sounds like you guys are this boulder is rolling downhill 0:42:44.120 --> 0:42:45.799 in a good way because it wasn't that long. 0:42:45.880 --> 0:42:46.800 I don't bring up the pass. 0:42:46.800 --> 0:42:49.399 Glennus pre dates your service there at the Hamlet County 0:42:49.480 --> 0:42:51.359 Veteran Service Commission. But of course it was just about 0:42:51.360 --> 0:42:53.440 a couple of years ago where he had the scandal 0:42:53.480 --> 0:42:56.280 to kind of expose things. Things weren't being run correctly. 0:42:56.400 --> 0:42:59.240 Veterans were hanging in Limbo and Hamlin County. They couldn't 0:42:59.239 --> 0:43:02.400 get transportation and their healthcare, and a bunch of you 0:43:02.440 --> 0:43:04.600 they get maybe a bus pass or something like that, 0:43:05.000 --> 0:43:08.839 and of course puts strain on the other counties Claremont, Butler, Warren, 0:43:08.840 --> 0:43:10.960 et cetera too. I'm glad to see that things are 0:43:11.000 --> 0:43:12.680 changed and change for the better, because we're not talking 0:43:12.680 --> 0:43:13.440 about that anymore. 0:43:14.600 --> 0:43:17.120 Well, we are on an entirely new path, and I 0:43:17.160 --> 0:43:20.560 have to give credit to my predecessor, Orlando Sanza, who 0:43:20.640 --> 0:43:23.160 just did an amazing job of turning things around. You 0:43:23.239 --> 0:43:28.120 mentioned transportation. In June, we started a transportation service. We're 0:43:28.160 --> 0:43:30.239 getting our second van at the end of this month, 0:43:30.280 --> 0:43:34.040 and we take veterans from their front door right to 0:43:34.120 --> 0:43:39.280 their VA medical appointments, and so things are really really 0:43:39.320 --> 0:43:42.520 moving forward here. We're so lucky to have the support 0:43:42.560 --> 0:43:46.839 that we have from our county commissioners as well as 0:43:46.880 --> 0:43:51.840 our outstanding board of commissioners here within the Veterans Service Commission. 0:43:52.640 --> 0:43:53.600 We have also. 0:43:53.360 --> 0:43:57.560 Engaged in a significant amount of outreach because if veterans 0:43:57.600 --> 0:44:00.080 don't know we're here and don't know what benefits, so 0:44:00.239 --> 0:44:02.640 we can provide to them that we're not able to 0:44:02.680 --> 0:44:06.200 serve them. So so many things. As you said, the 0:44:06.239 --> 0:44:08.640 boulder is rolling and we want to keep pushing it. 0:44:08.719 --> 0:44:11.080 Yeah, we had moss on the boulder. Before it may 0:44:11.120 --> 0:44:12.839 have been backing up on your hands, but now it's 0:44:12.840 --> 0:44:15.640 going downhill and it's gained speed and we're doing we 0:44:15.719 --> 0:44:17.440 have to write people like yourself and there gluns. So 0:44:17.440 --> 0:44:20.200 I'm glad you're because I know what you did over 0:44:20.280 --> 0:44:24.080 Jayu University and now as EXECUTI Director Hamlin County Veterans 0:44:24.080 --> 0:44:26.719 Service Commission. No, it's in good hands. I also know 0:44:26.760 --> 0:44:29.439 too as a proud Navy man. Uh serve what thirty 0:44:29.480 --> 0:44:31.120 seven years you see? You know I was navy too. 0:44:32.640 --> 0:44:35.399 Oh, I did not know that the US. 0:44:37.120 --> 0:44:41.120 There were So I was stationed on the USS Abraham Lincoln. 0:44:41.160 --> 0:44:43.520 Are you familiar with that carrier CVN seventy. 0:44:43.200 --> 0:44:46.839 Two, I absolutely am, yeah, so, uh. 0:44:46.920 --> 0:44:49.960 It was I think five years ago. Uh, I flew in. 0:44:50.040 --> 0:44:52.000 It was a media thing. I flew in a buddy 0:44:52.040 --> 0:44:53.480 of mine, but a friend of a friend kind of 0:44:53.480 --> 0:44:56.239 thing is ahead of the Pacific Fleet to p Io, 0:44:56.520 --> 0:44:59.840 and I flew in, did some Navy training, got in, 0:45:00.040 --> 0:45:02.759 flew in on the carrier on the Atlanta somewhere off 0:45:02.840 --> 0:45:05.680 the Carolina coast. Was on that ship for I think 0:45:05.719 --> 0:45:07.799 about twenty four hours and flew back. I was there 0:45:07.800 --> 0:45:09.319 for about so I was in the service. Really about 0:45:09.320 --> 0:45:10.400 the good three or four days. 0:45:12.360 --> 0:45:14.960 Well, thanks for your service. 0:45:14.600 --> 0:45:15.160 Well, thank you. 0:45:15.239 --> 0:45:17.640 Yes, it's good to be talking to a fellow seamen. 0:45:17.719 --> 0:45:20.239 And it's good, you know. And I will say that 0:45:20.640 --> 0:45:23.560 like you're thirty said America was never invaded in the 0:45:24.160 --> 0:45:27.240 twenty four hours I was aboard that ship, not invaded. 0:45:29.800 --> 0:45:31.879 I'm sure you'll be getting a cry thank you. 0:45:32.120 --> 0:45:34.480 For me, I would think, so, I always think so. 0:45:34.760 --> 0:45:36.560 I'm not quite sure what that gets me. I think 0:45:36.600 --> 0:45:39.359 I get like free ice on Veterans Day with any 0:45:39.400 --> 0:45:42.319 soft drink is what I'm entitled to for my my 0:45:42.400 --> 0:45:45.800 twenty four hours of service. But spectacular though, in all seriousness, 0:45:45.880 --> 0:45:48.960 to see just how the Navy inside operates and what 0:45:49.000 --> 0:45:51.200 the Navy means too, because most people think, okay, well 0:45:51.200 --> 0:45:53.560 what the basically we are the police for We're the 0:45:53.600 --> 0:45:56.279 highway patrol of the seas, is what we are. If 0:45:56.600 --> 0:45:59.800 the US Navy seas to exist, all hell would break loose, 0:46:00.080 --> 0:46:02.840 all the shipping lanes would become for the pirates. You know, 0:46:02.880 --> 0:46:05.840 we saw what happened in Iran, remember the Somali pirates 0:46:06.120 --> 0:46:09.239 in that Tom Hanks movie. Of course, Captain Phillips, the 0:46:09.360 --> 0:46:11.399 Navy's the one that figures that stuff out. We make 0:46:11.440 --> 0:46:14.520 sure that your socks that you are darn Amazon, your 0:46:14.560 --> 0:46:16.680 socks are delivered on time every time. 0:46:16.880 --> 0:46:17.879 That's what the Navy does. 0:46:19.200 --> 0:46:22.520 Absolutely, We're insuring free trade across the globe, and we 0:46:22.600 --> 0:46:27.480 serve in every corner of the globe, and our sailors 0:46:27.480 --> 0:46:31.080 and marines are out there twenty four to seven below 0:46:31.400 --> 0:46:37.640 a pond and above the sea, ensuring prosperity for our 0:46:37.719 --> 0:46:39.600 nation and global security for all. 0:46:39.719 --> 0:46:41.640 It's really cool to see at firsthand the men and 0:46:41.680 --> 0:46:46.640 women aboard our Navy's ships at sea and those behind 0:46:46.680 --> 0:46:48.480 the scenes that do the training and everything else. And 0:46:48.520 --> 0:46:51.120 it's really eye opening for someone like me. And my 0:46:51.200 --> 0:46:53.839 dad was in the served four years in the Navy too, 0:46:53.880 --> 0:46:56.120 so that one head home to me. I know also 0:46:56.239 --> 0:46:59.960 that the United States Navy probably the finest of all 0:47:00.080 --> 0:47:02.520 all the armed services of the unit in the world. 0:47:02.920 --> 0:47:06.080 Celebrating the two hundred and fiftieth anniversary, two hundred and 0:47:06.160 --> 0:47:09.000 fifty years the Navy's been in existence. 0:47:09.719 --> 0:47:10.160 That's right. 0:47:10.200 --> 0:47:13.160 As a matter of fact, our birthday was yesterday and 0:47:13.960 --> 0:47:19.040 the Navy League is sponsoring our two hundred and fiftieth anniversary. 0:47:19.360 --> 0:47:22.920 Navy and Marine Corps ball coming up next Saturday, October 0:47:22.920 --> 0:47:27.280 twenty fifth at the CentOS Center. So it's right between 0:47:27.760 --> 0:47:30.359 our birthday the thirteenth of October and the Marine Corps 0:47:30.360 --> 0:47:32.480 birthday on November tenth, and it's going to be a 0:47:32.640 --> 0:47:37.960 fantastic of and we're looking to have a great representation 0:47:38.040 --> 0:47:42.279 there from both services. And again, Scott, due to your 0:47:42.280 --> 0:47:44.560 extensive service in the United States Navy, we would love 0:47:44.600 --> 0:47:46.759 to have you come and participation. 0:47:46.920 --> 0:47:49.520 You sat for guest speakers. You have someone you've got 0:47:49.560 --> 0:47:51.279 like you got like a four star. What do you 0:47:51.280 --> 0:47:53.319 got you got a rear admiral or somebody speaking because 0:47:53.320 --> 0:47:56.439 of you know, I'm available. I talk about my days, 0:47:56.800 --> 0:47:57.600 my day at sea. 0:47:59.200 --> 0:48:02.279 That's a great question. And so typically we have a 0:48:02.320 --> 0:48:06.160 single guest speaker, but because this event is representing both 0:48:06.160 --> 0:48:08.480 the Navy and the Marine Corps, we wanted to secure 0:48:08.520 --> 0:48:12.200 a guest speaker from each. And folks may not know this, 0:48:12.320 --> 0:48:16.719 but eighty percent of our military force is enlisted. 0:48:17.360 --> 0:48:18.680 I was an enlisted. 0:48:18.760 --> 0:48:20.320 Guy for that period of time. 0:48:20.840 --> 0:48:22.600 So I reached out to the. 0:48:22.480 --> 0:48:25.800 Master Chief Petti Officer of the Navy thirteen Nickpond thirteen, 0:48:26.640 --> 0:48:29.200 a gentleman named Mike Stevens, who is also the CEO 0:48:29.320 --> 0:48:33.759 of Navy League National and asked him first, and so 0:48:33.880 --> 0:48:37.239 he is coming in to represent the Navy. And then 0:48:37.600 --> 0:48:42.040 a retired Marine Sergeant Major Brian Battaglia, who was the 0:48:42.040 --> 0:48:44.399 senior and listened advisor to the Chairman of the Joint 0:48:44.480 --> 0:48:47.239 Chiefs and that is the highest ranking listed person in 0:48:47.280 --> 0:48:53.080 the entire US Armed Forces. Brian, Mike and I all 0:48:53.120 --> 0:48:57.239 three served in the Pentagon together, and Brian was the 0:48:57.280 --> 0:48:59.759 guest speaker at my Navy retirement, so I reached out 0:48:59.800 --> 0:49:05.520 to So the two just incredibly outstanding gentlemen that we 0:49:05.600 --> 0:49:07.920 have coming in to be our guest speakers. They're going 0:49:08.000 --> 0:49:10.520 to talk about the importance of two hundred and fifty 0:49:10.600 --> 0:49:13.560 years for their individual branches. And as you may know, 0:49:13.719 --> 0:49:17.520 there's always some friendly barbs back and forth between the services, 0:49:17.560 --> 0:49:20.080 and especially the Navy and the Marine Corps, so they'll, 0:49:20.840 --> 0:49:23.840 I'm sure treat us to some of that friendly jousting 0:49:23.880 --> 0:49:24.279 as well. 0:49:24.400 --> 0:49:25.759 Yeah a level. 0:49:25.920 --> 0:49:28.320 It's kind of like cops and firefighters when they get together, 0:49:28.400 --> 0:49:30.239 right it's a battle between the two, but you're kind 0:49:30.239 --> 0:49:33.319 of on the same team, Navy Marine Corps. So it's 0:49:33.360 --> 0:49:36.080 a Saturday the twenty fifth, sentas right at six o'clock. 0:49:37.440 --> 0:49:42.800 That's correct, six to eleven. And they'll be a pomp 0:49:42.880 --> 0:49:47.280 and circumstance both the Navy and the Marine Corps ceremonial 0:49:47.719 --> 0:49:52.000 activities related to it. Ceremonial cake cutting where we'll be 0:49:52.080 --> 0:49:56.960 honoring the youngest and oldest sailor and marine in the 0:49:57.040 --> 0:50:01.719 audience for the ceremonial cake cutting dinner followed by dancing. 0:50:01.840 --> 0:50:04.319 It's just going to be a wonderful, wonderful event. 0:50:04.440 --> 0:50:05.239 It's amazing, all right. 0:50:05.320 --> 0:50:07.439 Someone, if you're interested to hear this, maybe you're a 0:50:07.560 --> 0:50:10.840 Navy veteran, or a veteran of the United States Marine Corps, 0:50:11.239 --> 0:50:13.680 or I'm guessing just ordinary people like me can come 0:50:13.719 --> 0:50:16.000 to where you go for tickets. 0:50:16.200 --> 0:50:21.160 Go to Cincinnati Navy League dot com and that's the 0:50:21.160 --> 0:50:23.600 homepage for the Greater Cincinnati Council of the Navy League 0:50:23.640 --> 0:50:26.440 and scroll down you'll see the link to connect for 0:50:26.680 --> 0:50:27.840 tickets to the event. 0:50:27.920 --> 0:50:29.400 Right there, got it, all right? 0:50:29.480 --> 0:50:33.320 Chief, thanks a lot, Glenn Welling, retired Navy Master Chief, 0:50:33.320 --> 0:50:36.279 Executive Director, Hamlin County Veteran Service Commission. The event coming 0:50:36.360 --> 0:50:38.640 up on the twenty fifth, But glad to know that 0:50:38.920 --> 0:50:40.640 at the end of the day here that no one 0:50:40.680 --> 0:50:42.840 will suffer who is serving our country or our family 0:50:42.880 --> 0:50:45.240 members when it comes to not getting a paycheck starting 0:50:45.239 --> 0:50:47.439 tomorrow in the fifteenth, because tomorrow's pay day, the eagle 0:50:47.480 --> 0:50:51.080 poops tomorrow. Hopefully it continues pooping for a while for people. 0:50:51.120 --> 0:50:53.239 I appreciate it. Thanks for your service, Glenn, great to. 0:50:53.239 --> 0:50:53.640 Talk to you. 0:50:54.920 --> 0:50:55.680 Thank you, Scott. 0:50:55.880 --> 0:50:58.320 All right, people, well take care there you go. Notice 0:50:58.360 --> 0:51:00.000 I did not get from Glenna. Thank you for your 0:51:00.480 --> 0:51:04.040 But that's okay, that's all right. That's I'm not gonna 0:51:04.040 --> 0:51:06.520 say it was a difficult twenty four hours. But well 0:51:06.640 --> 0:51:10.440 I can't. I can't divulge that we've got news on 0:51:10.440 --> 0:51:13.640 the way in about five minutes and coming up on 0:51:13.680 --> 0:51:18.560 the show on seven hundred WLW missophonia. Do you know 0:51:18.600 --> 0:51:22.080 what that is? Miso phonia? Maybe it's miso miso something, 0:51:22.360 --> 0:51:26.799 miso phonia. You might have it, and you might go, wow, 0:51:26.840 --> 0:51:28.799 I didn't know there was a name for what it 0:51:28.880 --> 0:51:30.440 is that I have. And but it's not one of 0:51:30.440 --> 0:51:33.279 those Hey, this isn't a gonna be a twenty minute 0:51:33.280 --> 0:51:36.279 commercial for some sort of pharmaceutical product that you don't need. 0:51:36.480 --> 0:51:39.640 They'll turn Yeah, it's gonna solve your misso phonia, but 0:51:39.680 --> 0:51:42.440 it's going to make your eyegrash eyelashes, grow it down 0:51:42.440 --> 0:51:44.080 on your armpits. It's not anything like that. I don't 0:51:44.080 --> 0:51:45.680 know if there's a side of it. Was really interesting. 0:51:46.000 --> 0:51:47.520 We finally have a name for something a lot of 0:51:47.560 --> 0:51:48.160 us suffer from. 0:51:48.239 --> 0:51:48.719 What is that? 0:51:48.760 --> 0:51:51.239 We'll get to it right afternoon. Sloaney continues on seven 0:51:51.320 --> 0:51:58.080 hundred WWT Cincinnati. Sloaney here, seven hundred WLW. Well it 0:51:58.960 --> 0:52:01.440 she didn't make it public TI Friday, so I really 0:52:01.640 --> 0:52:04.800 didn't feel comfortable talking about it until she was fine 0:52:04.800 --> 0:52:07.680 with it, and I talk about normally at this time 0:52:07.719 --> 0:52:10.040 on Tuesday, Thursday, Tip Potter comes of us three things 0:52:10.080 --> 0:52:13.080 and maybe you heard, maybe didn't hert anyone on social 0:52:13.920 --> 0:52:16.759 there are some positions eliminated production and force, which is 0:52:16.880 --> 0:52:20.360 fairly common in our industry and common maybe in yours 0:52:20.400 --> 0:52:24.520 as well too. It's happening with impunity across other sectors, 0:52:24.560 --> 0:52:27.399 just the nature of the commune, like and tiff and 0:52:27.680 --> 0:52:30.319 well Tony Pike from ESPN fifteen thirty no longer with us, 0:52:30.320 --> 0:52:32.880 and it's it's kind of sad because she wanted me 0:52:32.960 --> 0:52:35.160 to a couple things. I mean she's a friend, and 0:52:35.200 --> 0:52:37.000 I think she's awesome and one of the hardest working 0:52:37.000 --> 0:52:39.160 people I know, and kind of a ray of sunshine 0:52:39.200 --> 0:52:40.080 you need that these days. 0:52:40.160 --> 0:52:41.160 She's just done, like I'll beat. 0:52:41.160 --> 0:52:44.160 We may disagree on some things, but you know, more 0:52:44.239 --> 0:52:48.480 like a father daughter kind of sort of disagreement relationship too, 0:52:50.120 --> 0:52:51.759 But you know, in fact of Mather remains. That's the 0:52:51.800 --> 0:52:56.160 cold reality of business in today's business world, today's business climate, 0:52:56.200 --> 0:52:58.959 it's tough, and you're seeing that where you work, I'm sure. 0:53:00.280 --> 0:53:01.880 But she I know, she did want me to express 0:53:01.880 --> 0:53:03.759 how grateful she was for people who reach out to 0:53:03.760 --> 0:53:06.000 her and friended her on social and everything else too, 0:53:06.880 --> 0:53:10.080 and she enjoyed her her time doing that. So yes, 0:53:10.200 --> 0:53:12.160 it's kind of sad to do that without her now 0:53:12.480 --> 0:53:14.200 because we've done it for a few year, like four 0:53:14.280 --> 0:53:17.640 or five, five years now, I think, And so it goes, 0:53:17.840 --> 0:53:19.319 you know, just another one of those things. And you 0:53:19.360 --> 0:53:21.040 hang around long enough like I have, you start to 0:53:21.080 --> 0:53:23.000 see that and go just it does kind of drain 0:53:23.080 --> 0:53:25.520 on you. But it's the it's the reality of things, 0:53:25.520 --> 0:53:29.080 for sure. So she's missed. I want to know she's missed. 0:53:30.120 --> 0:53:35.080 It's called miso phonia, misso phonia affects one in five people. 0:53:35.120 --> 0:53:35.960 What the hell is that? 0:53:36.160 --> 0:53:37.920 Unless you you know my teas, I said, I'll talk 0:53:37.920 --> 0:53:40.360 about misophonia coming up, but maybe it's meso or miss so. 0:53:40.400 --> 0:53:43.719 I think it's mesophonia M I S O P H 0:53:43.800 --> 0:53:48.000 O N I A. And it's an aversion to specific 0:53:48.080 --> 0:53:52.160 sounds like, for example, chewing or sniffing or breathing sounds 0:53:52.239 --> 0:53:52.480 or whatever. 0:53:52.520 --> 0:53:52.880 It might be. 0:53:52.920 --> 0:53:55.880 One in five people suffer from it. I think I 0:53:56.000 --> 0:53:58.920 kind of do too. And maybe he said, ah, I 0:53:58.960 --> 0:54:01.600 didn't know there's a name for that. Certain sounds that 0:54:01.640 --> 0:54:06.360 trigger intense negative emotional or physical reaction. Some people have 0:54:06.400 --> 0:54:09.000 feelings of anger or anxiety or disgust or panic when 0:54:09.040 --> 0:54:11.680 you hear one of these trigger sounds, like, for example, 0:54:11.719 --> 0:54:14.360 if you listen to someone chewing or slurping or lip smacking, 0:54:14.600 --> 0:54:19.160 or someone who sniffles a lot or breathes heavily or yeah, 0:54:19.200 --> 0:54:21.680 maybe it can be like a repetitive sound like someone 0:54:21.960 --> 0:54:26.160 like keyboards tapping or somebody's pen clicking, those kind of things. 0:54:26.920 --> 0:54:29.120 I think for me, if I had one, I've probably 0:54:29.200 --> 0:54:34.319 got a few. Noil clippers are kind of like people 0:54:34.320 --> 0:54:36.160 go nails on a chalkboard that's a very common one. 0:54:36.200 --> 0:54:41.400 But like now clippers for me, when we have ads 0:54:41.560 --> 0:54:44.880 either on streaming or broadcast or on the radio and 0:54:44.920 --> 0:54:47.040 someone's whispering like you know what it was that as 0:54:47.120 --> 0:54:49.160 d R r D what you know I'm talking about. 0:54:49.200 --> 0:54:51.360 Like people, it's like a sexual thing for them to 0:54:51.480 --> 0:54:55.000 hear someone like the microphone or holding up eating a 0:54:55.080 --> 0:54:57.239 taco very close to microphone. You can hear them that 0:54:57.440 --> 0:55:01.440 like yeah, that that that gets under my skin a 0:55:01.440 --> 0:55:04.360 little bit too. But the problem and maybe it's not 0:55:04.400 --> 0:55:08.719 full blow and misslephonia, the reactions are disproportionate to what's 0:55:08.719 --> 0:55:10.920 going on. I can normally go, Okay, someone's clearing the throat, 0:55:12.360 --> 0:55:14.240 but your reaction is I want to kill this person. 0:55:15.880 --> 0:55:19.800 And it's really a thing too, it's diagnosed. Your body 0:55:19.800 --> 0:55:21.960 responds to it, so you have like it's basically a 0:55:22.040 --> 0:55:24.680 fight or flight response, and they measured it and you 0:55:24.719 --> 0:55:26.560 know your heart rate, your blood pressure can go up, 0:55:26.600 --> 0:55:28.640 you may have difficulty concentrating, which is the one for 0:55:28.680 --> 0:55:31.719 me that's more by ADHD than anything else. But if 0:55:31.719 --> 0:55:33.960 I hear someone doing something repetitive like that in one 0:55:34.000 --> 0:55:36.120 of those things, it's like that's all you hear the 0:55:36.200 --> 0:55:41.400 room and it may lead to strained relationships with people 0:55:41.400 --> 0:55:43.719 close to you, including family members or spouses for that. 0:55:43.800 --> 0:55:47.279 And so they say it starts in childhood or early adolescence, 0:55:47.680 --> 0:55:50.360 and it's more neurological than anything. Not quite sure. They 0:55:50.400 --> 0:55:52.680 don't understand the exact mechanism of how it comes. But 0:55:53.040 --> 0:55:55.719 there may be an abnormal connection between what you hear 0:55:56.480 --> 0:55:59.160 and the limbic system, which is the part of your 0:55:59.160 --> 0:56:01.640 body the processes emotions, and there may be something that's 0:56:01.680 --> 0:56:02.839 just disconnected there. 0:56:03.840 --> 0:56:06.520 And yeah, it can impact your quality of life. 0:56:06.560 --> 0:56:08.520 And it's one of those things they say, Well, you 0:56:08.640 --> 0:56:11.400 just simply you can't get over it. So now you 0:56:11.440 --> 0:56:13.560 know it's a name for something. Maybe you have it, 0:56:14.000 --> 0:56:16.360 maybe you know someone who does, and now maybe it 0:56:16.360 --> 0:56:18.719 gives you a greater sense. Now, as far as I know, 0:56:20.400 --> 0:56:26.319 there is no pharmaceutical concoction yet made to battle. Maybe 0:56:26.320 --> 0:56:28.279 there is, maybe they're using something off label, but there's 0:56:28.320 --> 0:56:31.440 I've not seen a commercial where happy people are dancing 0:56:31.480 --> 0:56:34.080 around a I don't know. It looks like a food 0:56:34.080 --> 0:56:36.480 court or something like that, an outdoor picnic with all 0:56:36.520 --> 0:56:39.560 these pretty colors dancing around in circle, singing about the 0:56:39.560 --> 0:56:43.240 benefits of the drug. That's going to curb your misophonia. 0:56:43.360 --> 0:56:44.960 Maybe it exists, I'm not sure, but I have not 0:56:45.040 --> 0:56:47.719 seen the ad for it yet. I'm not sure we will. 0:56:48.120 --> 0:56:49.759 But now you know what it is, and if you 0:56:49.800 --> 0:56:52.600 know someone to say, could you not do that? It's 0:56:52.640 --> 0:56:56.280 not just them being a jerk. Is it's actual science 0:56:56.320 --> 0:57:00.480 behind It's just like it's causing them a lot of harm. 0:57:00.560 --> 0:57:04.120 And it might be tied to autism. So I don't know. 0:57:04.280 --> 0:57:06.200 Maybe Tyland Ulstable, I'm not sure. 0:57:06.400 --> 0:57:08.319 I don't know. I don't know. 0:57:12.440 --> 0:57:12.520 No. 0:57:12.560 --> 0:57:13.759 On again, I don't If I have time to get 0:57:13.800 --> 0:57:15.920 in this same I probably should. This is making the 0:57:16.000 --> 0:57:19.960 rounds on social and I have not seen it in 0:57:19.960 --> 0:57:22.160 my neighborhood, although I just moved to an neighborhood. 0:57:22.160 --> 0:57:22.840 Maybe there's there's. 0:57:22.720 --> 0:57:25.880 Hope still, How would you handle the situation, because apparently 0:57:25.920 --> 0:57:29.880 it's a growing thing, a trend of kids this time 0:57:29.880 --> 0:57:32.280 of year. Halloween's coming up, and what do you hand 0:57:32.320 --> 0:57:34.760 out at Halloween? You hand out hopefully some candy please, 0:57:34.920 --> 0:57:36.720 I hope you're not hand on a bucket of change 0:57:37.320 --> 0:57:42.120 or like an apple still or something like that. There's 0:57:42.160 --> 0:57:46.560 a trend now of kids expecting full sized candy bars 0:57:46.920 --> 0:57:50.760 instead of the fun sized candy bars, and some households 0:57:50.800 --> 0:57:53.720 are spending well over two hundred dollars on that candy. 0:57:54.840 --> 0:57:56.480 I don't know what my candy budget is, but I 0:57:56.560 --> 0:57:58.840 know it's not two hundred dollars. I know it's probably 0:57:58.880 --> 0:58:02.880 not one hundred. But I'm in that place now. I 0:58:02.920 --> 0:58:04.520 got to ask some neighbors and go, hey, how many 0:58:04.600 --> 0:58:07.440 kids come rolling by here? Because I don't want to 0:58:07.440 --> 0:58:09.600 be running out of candy. I want to I don't 0:58:09.600 --> 0:58:11.400 want to run out of candy. I also don't want 0:58:11.400 --> 0:58:13.960 to have too much leftover candy because you know what 0:58:13.960 --> 0:58:17.000 happens to the leftover candy. I eat the candy, and 0:58:17.040 --> 0:58:20.760 that's a problem. And that's a problem. But I'm just 0:58:20.800 --> 0:58:24.640 wondering what neighborhood is it where kids are expecting full 0:58:24.760 --> 0:58:27.320 sized candy bears. I know occasionally there are people that 0:58:27.400 --> 0:58:31.520 hand out full sized candy bars. Probably a nicer neighborhoods, 0:58:31.560 --> 0:58:33.320 or unless you know you're the Reese's guy that used 0:58:33.320 --> 0:58:35.680 to hook us up here and you have an olyments 0:58:35.680 --> 0:58:37.760 supply of Reese as well, you're gonna have out races. 0:58:37.960 --> 0:58:39.840 I had a neighbor one time that worked. I think 0:58:39.960 --> 0:58:42.840 for the lays like the Potato Chip company and heat 0:58:42.880 --> 0:58:45.800 out bags like, you know, not not the full sized bags, 0:58:45.800 --> 0:58:48.840 but the lunch bag sizes of chips, which was kind 0:58:48.880 --> 0:58:52.360 of a nice thing. But now kids are demanding, expecting 0:58:52.480 --> 0:58:54.200 full sized candy bears and what does that look like. 0:58:55.400 --> 0:58:58.000 Well apparently instead of you had them a bag a 0:58:58.080 --> 0:59:01.560 candy and you had them, you know, a Snickers, let's 0:59:01.560 --> 0:59:05.240 say fun size Snickers. Instead of saying thank you, they 0:59:05.680 --> 0:59:08.400 they're demanding like, well, I don't like that, I don't 0:59:08.520 --> 0:59:12.240 like that, I want skittles, or do you have nerds? 0:59:12.440 --> 0:59:17.400 Or yeah, it's not a convenience star. And apparently this 0:59:17.440 --> 0:59:20.200 has hit a nerve and it's kind of one of 0:59:20.240 --> 0:59:22.360 those things. It's become a buzz on social media that 0:59:22.440 --> 0:59:25.800 parents and homeowners are saying. Kids are just demanding that 0:59:25.840 --> 0:59:27.440 you go get you get them the candy that they like, 0:59:27.520 --> 0:59:29.840 not the one that you're handing out, which you know 0:59:29.920 --> 0:59:33.400 is reflection back to our parenting that we and we 0:59:33.480 --> 0:59:33.919 said better. 0:59:33.960 --> 0:59:35.320 I don't know if it was actually true back in 0:59:35.360 --> 0:59:35.680 the day. 0:59:36.120 --> 0:59:37.720 I know, when my mom had cooked dinner, this is 0:59:37.760 --> 0:59:39.960 what's for dinner, and maybe there's something you didn't like, 0:59:40.000 --> 0:59:41.720 Well you didn't eat it, or you tried to pretend 0:59:41.760 --> 0:59:43.400 to eat it, and you'reford, this is what's dinner, and 0:59:43.440 --> 0:59:45.440 then by the time you're a parent, was like, okay, 0:59:45.600 --> 0:59:47.520 well this one wants chicken nuggets and this one wants 0:59:47.520 --> 0:59:49.840 a hot dog, and then okay, I gotta make this 0:59:49.880 --> 0:59:52.080 for un and it winds up being like a shorter cook. 0:59:53.360 --> 0:59:55.080 But we are the parents that let them down this. 0:59:55.120 --> 0:59:57.480 So I can't help but think that if this is 0:59:57.480 --> 1:00:00.360 that this is what we set ourselves up for, kids 1:00:00.400 --> 1:00:02.760 are making it. Rather than being happy they're getting candy 1:00:02.760 --> 1:00:04.919 at Halloween, which is a one day a year kind 1:00:04.920 --> 1:00:08.760 of thing outside of maybe Easter. Now they're actually making 1:00:08.800 --> 1:00:11.640 requests for what it is that should be in their bag. 1:00:11.720 --> 1:00:13.800 And I'm sorry. You know how I deal with that. 1:00:14.040 --> 1:00:16.280 I wouldn't be like, well, I think it was. I 1:00:16.320 --> 1:00:18.240 was reading the story. It's like Kelly Ripper or somebody 1:00:18.280 --> 1:00:21.360 was talking about this on their show and said that 1:00:21.440 --> 1:00:24.600 now they're going to hand out opaque bag so the 1:00:24.640 --> 1:00:26.640 kids can't choose, Like, here's a bag and there's candy 1:00:26.680 --> 1:00:28.800 in it, so good luck with that, whatever it is, 1:00:28.840 --> 1:00:32.760 you open it later, like you know what, now on 1:00:32.840 --> 1:00:35.000 top of the two hundred dollars, I gotta put each 1:00:35.040 --> 1:00:37.920 piece of candy in a bag because this dipstick from 1:00:38.000 --> 1:00:40.800 up the street doesn't like Snickers or Hershey's or whatever. 1:00:40.800 --> 1:00:44.320 It is the easy way to solve that. Now, you 1:00:44.320 --> 1:00:47.640 don't get none, you get nothing. Oh yeah, you're right, 1:00:47.680 --> 1:00:50.920 I only have Snickers. Well I don't like Snickers. Okay, 1:00:51.040 --> 1:00:52.400 well guess what I do? 1:00:52.520 --> 1:00:52.960 See yah? 1:00:54.840 --> 1:00:58.800 Now, if they're persistent little craps, I mean I suppose 1:00:58.800 --> 1:01:00.480 you could tell them, depending on the age, going no, 1:01:00.640 --> 1:01:02.080 that's what we have here. If you don't like, you 1:01:02.120 --> 1:01:04.960 don't have to take one, it's fine, or maybe give 1:01:04.960 --> 1:01:06.480 it to your brother or sister. I'm sure your mom 1:01:06.560 --> 1:01:08.800 and daddle et or something like that. It's it's fine. 1:01:08.960 --> 1:01:10.600 I don't think i've ever had that where the kid's 1:01:10.640 --> 1:01:14.720 like what is that? That's terrible because generally it's like, 1:01:14.800 --> 1:01:17.000 you know, we tend to do I don't know whatever, 1:01:17.640 --> 1:01:19.880 I know, kiss the fruit, flaffored stuff whatever. You're not 1:01:19.880 --> 1:01:22.040 gonna keep everybody happy. There's a lesson for you there. 1:01:22.080 --> 1:01:22.280 Right. 1:01:22.520 --> 1:01:24.840 If you're kind of old school like me, like, you're 1:01:24.840 --> 1:01:26.520 not gonna keep everybody happy. You're not gonna get what 1:01:26.600 --> 1:01:28.400 you want all the time. This is not how life works. 1:01:29.440 --> 1:01:31.320 Rather than grateful and thankful. It's like, you know, I 1:01:31.360 --> 1:01:32.480 don't have to give you candy? 1:01:32.560 --> 1:01:32.720 Right? 1:01:32.960 --> 1:01:35.360 You know this is there's no written contract anywhere it 1:01:35.360 --> 1:01:37.600 says on Halloween I have to open my door and 1:01:37.680 --> 1:01:41.600 give your unappreciative little little smart ass anything for that 1:01:41.640 --> 1:01:43.720 matter a matter of fact, hold on a second, reached 1:01:43.720 --> 1:01:45.680 down to our bucket. I'm taking candy because you're such 1:01:45.680 --> 1:01:51.480 a jerk. That's not a message. Who's next? Let the 1:01:51.480 --> 1:01:53.880 word get around the neighborhood. Sloan's not to be messed with. 1:01:53.920 --> 1:01:56.320 Of course my house just say my house to be 1:01:56.320 --> 1:01:59.280 called recovered in toilet paper. But that's probably got today. 1:01:59.360 --> 1:02:01.120 Kid's probably more likely just to shoot you. 1:02:05.320 --> 1:02:05.800 Wait a minute. 1:02:05.880 --> 1:02:07.600 We used to tepee and soap, so, you know, let 1:02:07.600 --> 1:02:09.800 the air out of somebody's carts, something like a flaming 1:02:10.120 --> 1:02:11.720 bag of dog crap on the front of No. No, 1:02:11.840 --> 1:02:13.800 I just get like a dry bile to light my 1:02:13.840 --> 1:02:16.640 house up with an ak Why because I gave them 1:02:16.680 --> 1:02:20.480 a Hershey's instead of a Snickers. And some people are 1:02:20.520 --> 1:02:23.920 reporting that those who leave candy out, you know, the 1:02:23.920 --> 1:02:26.680 honor bar system, sometimes find everything stolen. 1:02:26.720 --> 1:02:28.439 I've kind of heard of that as well. I wonder 1:02:28.560 --> 1:02:29.480 if it's the little. 1:02:29.320 --> 1:02:31.760 Kids and not just like the big kids, somebody being stupid, 1:02:31.760 --> 1:02:34.440 But why would you steal like you put the you 1:02:34.440 --> 1:02:36.040 put a bowl of candy out there, they take the 1:02:36.080 --> 1:02:39.840 bowl and everything, and in some cases are committing vandalism. 1:02:39.960 --> 1:02:42.560 So I just I don't understand that. The lack of 1:02:42.720 --> 1:02:45.080 I guess we would call that manners just kind of 1:02:45.080 --> 1:02:47.760 a broader failure to teach kids manners and gratitude and 1:02:47.800 --> 1:02:50.280 being thingful and mindful of of those things that later 1:02:50.320 --> 1:02:52.560 in life we wished we had but we don't. 1:02:52.720 --> 1:02:54.080 So I don't know. 1:02:54.120 --> 1:02:56.400 I just wonder how many neighborhoods that's actually occurring in 1:02:57.080 --> 1:02:59.880 as to where the kids are demanding full sized candy. 1:02:59.880 --> 1:03:02.400 But I can't imagine a lot of places around so 1:03:02.480 --> 1:03:05.240 because again I bring this back to CALLI Rippa, I'm 1:03:05.240 --> 1:03:07.520 guessing that I don't know if Kelly Rippa or maybe 1:03:07.520 --> 1:03:09.200 one of her man servants are the ones handing the 1:03:09.240 --> 1:03:11.200 candy out and she's getting the second or third hand. 1:03:11.200 --> 1:03:11.800 I'm not sure. 1:03:13.280 --> 1:03:16.720 However, I wonder how many places around Cincinnati where this 1:03:16.760 --> 1:03:18.880 is actually happening, because I would love to hear that 1:03:18.880 --> 1:03:21.520 one or demanding full sized candy bars. It'd lose your 1:03:21.560 --> 1:03:23.040 mind if you went to a house and the candy 1:03:23.080 --> 1:03:25.280 to a full sized candy bear. I don't know how 1:03:25.320 --> 1:03:28.040 we communicated as kids back in the day, but it 1:03:28.120 --> 1:03:30.880 take about five minutes for the entire neighborhood to know 1:03:30.960 --> 1:03:33.600 that this house is handing out full sized candy bars. 1:03:34.240 --> 1:03:36.000 And we didn't have cell phones, you know, like texting 1:03:36.000 --> 1:03:37.760 your buddies and everything else. I don't know how the 1:03:37.760 --> 1:03:40.640 words spread, but the word spread like literally within a 1:03:40.680 --> 1:03:42.760 few minutes the whole it was around the neighborhood. I 1:03:42.840 --> 1:03:45.160 just I have no idea how we how what our 1:03:45.240 --> 1:03:48.000 chaining communication was then. It was probably like a game 1:03:48.040 --> 1:03:52.240 of telephone. But still it was still remarkably fast. As 1:03:52.240 --> 1:03:54.760 I recall, remarkably fast. It's slowly on the Big One 1:03:54.760 --> 1:03:57.880 seven hundred WLWT coming up at eleven oh seven on 1:03:57.920 --> 1:04:00.760 the show, Kirk Couchman is here from Americans for Prosperity, 1:04:01.200 --> 1:04:04.080 And as I watch speaker Johnson and my noted speaker 1:04:04.120 --> 1:04:06.320 Jeffrey speak, and I again, I don't know hear what 1:04:06.360 --> 1:04:08.880 they were saying. I don't know what the words were 1:04:08.880 --> 1:04:10.120 coming out of their mouth, but it probably was a 1:04:10.120 --> 1:04:12.120 lot of blah blah, blah about the shutdown that's going 1:04:12.200 --> 1:04:14.440 to continue with knowing insight while the other side is 1:04:14.440 --> 1:04:16.720 wrong and we're right. Democrats are digging their heels in 1:04:16.760 --> 1:04:19.760 over healthcare, Republicans are digging their heels in and saying, well, 1:04:19.760 --> 1:04:21.320 they're the ones who shut it down because they want 1:04:21.320 --> 1:04:23.720 to hold this hostage. And I'm not quite sure who's 1:04:23.760 --> 1:04:25.600 right or who's wrong on this. If you're dining the 1:04:25.600 --> 1:04:28.240 Little Red or din Ina will Blue, you're siding with 1:04:28.280 --> 1:04:31.160 your team. Yeah, my team. Great. What it gets is it'scorse, 1:04:31.240 --> 1:04:33.600 more definite, more spending. And that's the thing that kills 1:04:33.680 --> 1:04:36.600 us all is it. The longer and the more often 1:04:36.800 --> 1:04:39.000 we shut governments down, the more money it costs us, 1:04:39.720 --> 1:04:42.120 which of course drives up inflation of Couse, the money 1:04:42.120 --> 1:04:46.200 goes up, the chance of us becoming insolvent gets closer 1:04:46.200 --> 1:04:49.880 and closer, meaning we're what thirty seven trillion dollars plus 1:04:49.920 --> 1:04:51.720 in debt and that clock is ticking. Every day we 1:04:51.720 --> 1:04:53.480 shut the government down, it adds a trillion and a 1:04:53.480 --> 1:04:55.439 half to it. So we can keep it over seven 1:04:55.440 --> 1:04:57.000 weeks and do it all over again. So that makes 1:04:57.000 --> 1:04:58.840 sense to you, It doesn't make sense to anybody I know. 1:05:00.280 --> 1:05:01.680 And I don't know how you can root one side 1:05:01.720 --> 1:05:03.200 or the other saying yeah, they're doing the right thing, 1:05:03.200 --> 1:05:06.400 you're not doing the right there's irresponds enough irresponsibile to 1:05:06.400 --> 1:05:08.880 go around his proposals. Many are so why don't we 1:05:08.920 --> 1:05:11.080 just have a balanced budget amendment? I think the closest 1:05:11.080 --> 1:05:12.720 we were to this was, I want to say, in 1:05:12.720 --> 1:05:16.280 the mid nineties, and we just couldn't get it over 1:05:16.320 --> 1:05:18.640 the line. Now the argument against us, of course, would be, well, 1:05:18.680 --> 1:05:20.640 what happens if something big and what happens if we 1:05:20.680 --> 1:05:23.400 have COVID? We got to borrow money in order to 1:05:23.400 --> 1:05:25.320 pay people not to work, which I'm silly now, but 1:05:25.400 --> 1:05:27.360 during COVID it made sense at least for you know, 1:05:27.440 --> 1:05:29.400 a period of months like now, we don't know what's 1:05:29.440 --> 1:05:31.000 going on. You we're going to shut it all down. 1:05:31.240 --> 1:05:33.240 That was an emergency. War in the number we get 1:05:33.280 --> 1:05:36.520 attacked September eleventh attack, Okay, that's an emergency. We may 1:05:36.560 --> 1:05:41.000 need to borrow some money. Well, this hurts that effort 1:05:41.160 --> 1:05:44.280 if indeed we continue on the path we are of 1:05:44.280 --> 1:05:45.920 course the cry as well if we have a balance, 1:05:45.920 --> 1:05:47.320 but that means we can't borrow them. 1:05:47.320 --> 1:05:49.360 I think there's a work around for that. I really do, 1:05:50.000 --> 1:05:50.640 I really do. 1:05:50.960 --> 1:05:52.880 And we'll get to Kurt Couchman about that in just 1:05:52.880 --> 1:05:55.280 a few minutes here right after news at eleven o 1:05:55.360 --> 1:05:58.160 six on the Scotsland Show on seven hundred WW on 1:05:58.240 --> 1:06:00.160 the Halloween candy thing, Nancy, you're on the sh Yo. 1:06:00.200 --> 1:06:05.160 Good morning, Okay, good morning sun. What are your thoughts 1:06:05.160 --> 1:06:07.640 on treats instead of candy? 1:06:07.760 --> 1:06:08.160 What do you mean? 1:06:08.200 --> 1:06:08.800 What's a treat? 1:06:08.960 --> 1:06:09.080 Like? 1:06:09.240 --> 1:06:11.680 Are you talking about like not candy corn, like like 1:06:11.760 --> 1:06:12.880 not a candy bar? 1:06:13.000 --> 1:06:16.400 But what what are we talking? Cupcake? Cookie? 1:06:17.240 --> 1:06:20.120 No? I know, not not home big goods, right, but 1:06:20.240 --> 1:06:23.680 like treat it's like the leftover things you have to 1:06:23.720 --> 1:06:27.520 buy for your kid's birthday parties, little favors. 1:06:27.120 --> 1:06:27.760 Things like that. 1:06:28.280 --> 1:06:29.960 I don't think those are bad. I don't think. I mean, 1:06:29.960 --> 1:06:30.800 if it's a decent one. 1:06:30.800 --> 1:06:32.600 I don't think it's if it's the if it's the 1:06:32.720 --> 1:06:35.440 really cheap spider ring, you know what I'm talking about, 1:06:35.480 --> 1:06:36.280 that that's a no go. 1:06:36.480 --> 1:06:40.440 But something decent, Yeah, I go for that. Yeah, it's 1:06:40.440 --> 1:06:41.760 gotta be. Now, what do you got, ton, What do 1:06:41.760 --> 1:06:41.960 you got? 1:06:42.080 --> 1:06:42.280 What? 1:06:42.280 --> 1:06:44.280 What if I come to your house Nancy dressed as 1:06:44.280 --> 1:06:47.439 a spider man or I don't know. Maybe I'm gonna 1:06:47.440 --> 1:06:49.560 go as Taylor Swift this year. I haven't decided. What 1:06:49.600 --> 1:06:50.520 would you put in my bag? 1:06:53.080 --> 1:06:53.960 Well, I don't know. 1:06:54.120 --> 1:06:57.000 Like I had all these leftover birthday favors and things 1:06:57.080 --> 1:06:59.520 last year, so I set them out on one side 1:06:59.560 --> 1:07:01.320 and I said it can be out on the other side, 1:07:01.360 --> 1:07:02.880 and I let the kids choose, but I said to 1:07:02.920 --> 1:07:06.320 take whatever you want. And it was astonishing. Almost every 1:07:06.400 --> 1:07:11.000 kid chose the small toy or trinket, you know, Like 1:07:11.080 --> 1:07:13.200 one thing was like that balloon that has a rubber 1:07:13.240 --> 1:07:14.720 band on it. You blow it up and then you 1:07:15.120 --> 1:07:15.520 punch it. 1:07:15.800 --> 1:07:18.040 Oh yeah, yeah, my house. 1:07:18.720 --> 1:07:19.360 He loved it. 1:07:20.760 --> 1:07:23.080 All right, that's pretty cool. So what what was a 1:07:23.120 --> 1:07:23.919 candy option though? 1:07:26.920 --> 1:07:29.200 You know, a typical mix. I like to do a 1:07:29.240 --> 1:07:31.640 suffer like a blow pop and some skittle. I don't 1:07:31.640 --> 1:07:34.560 make the chocolate and the and the flavored candy together 1:07:34.600 --> 1:07:35.800 because it makes it all tastes. 1:07:36.080 --> 1:07:37.080 Yeah, yeah, yeah, I get that. 1:07:37.160 --> 1:07:38.920 Yeah, okay, so that's a good I mean, that's a 1:07:39.000 --> 1:07:41.720 it's a buffet. You gave kids a selection. Did any 1:07:41.800 --> 1:07:43.960 kid complain that you didn't have a full sized candy bar? 1:07:45.920 --> 1:07:46.640 No, but the. 1:07:46.680 --> 1:07:50.200 Parents said no, absolutely not. Halloween it's for candy, and 1:07:50.600 --> 1:07:50.920 put the. 1:07:52.520 --> 1:07:52.840 Parents. 1:07:53.280 --> 1:07:55.960 The parents complained that you were handing out Chatsky's instead 1:07:56.000 --> 1:07:59.600 of candy, Yeah it was. 1:08:00.600 --> 1:08:02.720 And so I don't know. You're right, it's the parenting 1:08:02.800 --> 1:08:05.360 we're said in the example year, so I don't know. 1:08:05.480 --> 1:08:07.320 You know, I did the same thing this year. Nancy 1:08:07.360 --> 1:08:09.280 had a little experiment for it. Do the same thing 1:08:09.320 --> 1:08:11.800 here and and said. And when a parent complaints, say, 1:08:11.800 --> 1:08:14.520 guess what you tell the kid because because your parent 1:08:14.680 --> 1:08:17.839 was rude and mean, you're not getting any candy. 1:08:18.040 --> 1:08:20.000 Turn that thing around on them. 1:08:20.160 --> 1:08:25.320 Oh no, it's a happy Halloween for all right. 1:08:25.360 --> 1:08:25.960 I don't know, but. 1:08:28.400 --> 1:08:31.599 Adult, your parents cost your candy. Nancy put it on them, 1:08:31.640 --> 1:08:33.479 make them say you know what you want that? Have 1:08:33.560 --> 1:08:35.200 them go take them to the store. Now get out 1:08:35.200 --> 1:08:40.120 of here before I turn the sprinkler on you. I 1:08:40.280 --> 1:08:44.479 like happy, happy Halloween kids, not get the hell out 1:08:44.479 --> 1:08:44.800 of here. 1:08:45.080 --> 1:08:46.240 Scott's shoe. 1:08:46.800 --> 1:08:49.080 All of the best Bengals coverage we got Thursday night 1:08:49.160 --> 1:08:51.280 football in town here at pay corps and you'll hear it. 1:08:51.439 --> 1:08:53.120 I don't know what the best Bengals coverage seven hundred 1:08:53.160 --> 1:08:56.920 w W Since do you want to be an American's 1:08:57.080 --> 1:09:02.640 only back on seven hundred WLW four thousand layoffs. Democrats 1:09:03.040 --> 1:09:06.519 railed against House Speaker Mike Johnson on Friday canceled another 1:09:06.520 --> 1:09:10.120 week of House votes. We had the ongoing government shutdown, 1:09:10.160 --> 1:09:12.680 of course, and more political theater and again, and this 1:09:12.720 --> 1:09:15.920 is uncomfortable for people who fly. If you want to 1:09:15.960 --> 1:09:18.679 go to a national park. Hell, if you're a federal employee, 1:09:18.680 --> 1:09:21.240 you're scared. I get that. That is the real consequence 1:09:21.240 --> 1:09:24.200 of all this silliness that's going on. But largely it's 1:09:24.240 --> 1:09:28.519 all theatrics. It's all theatrics, because we could solve this 1:09:28.560 --> 1:09:30.679 thing if we really really wanted to, and that would 1:09:30.680 --> 1:09:33.479 be those we send to Washington, DC. They'd rather fight, 1:09:33.680 --> 1:09:35.439 draw a line in the sand and then stand for 1:09:35.479 --> 1:09:37.439 the people who fill their coffers with money so they 1:09:37.439 --> 1:09:40.040 can get elected and re elected. And meanwhile the rest 1:09:40.080 --> 1:09:42.519 of America as a whole suffers because we're over thirty 1:09:42.520 --> 1:09:45.320 seven trillion dollars in debt right now. That number continues 1:09:45.360 --> 1:09:48.240 to grow. This would add like another trillion and a 1:09:48.320 --> 1:09:51.400 half to the debt if Democrats got what they want 1:09:51.439 --> 1:09:53.400 to keep the government open for another seven weeks, when 1:09:53.400 --> 1:09:55.320 we'll do it all over again. There's got to be 1:09:55.320 --> 1:09:58.559 a way to fix this on that Kurt Couchman. Kurt 1:09:58.640 --> 1:10:02.080 is a senior fiscal policy follow Americans for Prosperity. Welcome 1:10:02.080 --> 1:10:02.639 to the show, Kurt. 1:10:02.680 --> 1:10:03.040 How are you. 1:10:04.160 --> 1:10:05.599 Good morning, Scott. I'm doing well. 1:10:05.960 --> 1:10:06.360 How are you? 1:10:06.479 --> 1:10:07.760 I'm doing I'm all right. 1:10:07.840 --> 1:10:10.240 It's you know, the problem is, it's not the heat, 1:10:10.280 --> 1:10:13.000 it's the stupidity this whole Dan. We've talked about this 1:10:13.080 --> 1:10:17.200 before and it's nothing but mindless political theater. Imposturing and 1:10:17.280 --> 1:10:19.840 gesturing and who's going to blink first? And you know, 1:10:20.040 --> 1:10:22.560 Democrats are saying, hell, yeah, we got to have affordable 1:10:22.560 --> 1:10:24.800 health care, and Republicans are yeh, stick it to the Dems. 1:10:24.880 --> 1:10:27.639 Make a lib cry. And meanwhile the rest of the country, 1:10:27.720 --> 1:10:29.479 the eighty percent of us who aren't engaged in that 1:10:29.600 --> 1:10:32.000 stupidity and pettiness, look at it and go, what the 1:10:32.040 --> 1:10:35.559 hell are we doing over here? Healthcare costs are extremely 1:10:35.600 --> 1:10:39.920 out of control. You you want to extend the Obamacare Americans, 1:10:40.160 --> 1:10:43.120 the ACA and basically take money from Pile A and 1:10:43.120 --> 1:10:46.639 transfer it to Pile B because it, yeah, okay, there's 1:10:46.680 --> 1:10:48.559 people who can't afford that. I people in my family, 1:10:48.640 --> 1:10:51.000 people I know that can't afford healthcare. And need that 1:10:51.120 --> 1:10:53.799 money in order to make their payments able to afford healthcare. 1:10:53.840 --> 1:10:56.600 I get that, but why are we subsidized. It's not 1:10:56.680 --> 1:10:59.840 affordable healthcare. That's a scamminon of itself. We're just so 1:11:00.000 --> 1:11:02.360 sabasidizing it more and making look like it's cheap. It's 1:11:02.360 --> 1:11:05.559 still our money. We're still borrowing it, and we're drowning 1:11:05.840 --> 1:11:08.320 in debt each and every day. And the simple solution 1:11:08.439 --> 1:11:10.599 to this maybe not so simple as just simply balance 1:11:10.640 --> 1:11:14.080 the budget and staff. These silly continued resolutions do nothing 1:11:14.080 --> 1:11:15.679 but cause us to borrow more money. 1:11:17.160 --> 1:11:19.640 Well, there's a lot to impact there. Yeah, healthcare is 1:11:19.760 --> 1:11:22.679 far too expensive in this country. Health insurance it's too expensive. 1:11:22.720 --> 1:11:24.760 A lot of it is because there's just so much 1:11:24.800 --> 1:11:29.439 bureaucracy stained between patients and medical providers. And what the 1:11:29.479 --> 1:11:32.479 Democratic position in Congress right now is, let's just paper 1:11:32.520 --> 1:11:34.800 that over throw more money as a problem. Let's not 1:11:34.920 --> 1:11:38.160 deal with the underlying regulations, bad incentives, and all of 1:11:38.160 --> 1:11:42.720 that that are making care less high quality, less affordable, 1:11:43.200 --> 1:11:46.080 less accessible. There's waiting lists in a lot of places, 1:11:46.080 --> 1:11:49.360 and that's really unfortunate. So we do need to tackle 1:11:49.400 --> 1:11:55.320 the underlying drivers of healthcare cost explosion. In terms of 1:11:55.320 --> 1:11:57.519 fixing the budget, there's a whole lot of pieces there 1:11:57.560 --> 1:11:59.320 as well. I mean, we didn't even have shut down 1:11:59.439 --> 1:12:03.120 nountil Jimmy Carter created them, and we have a process 1:12:03.160 --> 1:12:05.479 that's just a quarter of spending. So you wonder why 1:12:05.520 --> 1:12:08.040 it doesn't work, it's because Congress doesn't even do a 1:12:08.080 --> 1:12:11.479 real budget. So there's all these different pieces. But right now, 1:12:11.479 --> 1:12:14.320 we've got to end this shutdown by getting the Senator 1:12:14.400 --> 1:12:16.439 pass the clean cr and then we can have all 1:12:16.439 --> 1:12:18.400 the conversations about how do we fix the place, how 1:12:18.400 --> 1:12:19.679 do we fix health care and all that. 1:12:20.240 --> 1:12:23.360 Well, politically, if both sides benefit from a shutdown, depending 1:12:23.360 --> 1:12:25.920 on Hoo's doing the shutting down, who's perceived to be shutting 1:12:25.920 --> 1:12:29.960 the government down, then they'll never eliminate and never solve 1:12:29.960 --> 1:12:32.800 this problem because it's it's a way for them to 1:12:32.800 --> 1:12:35.000 gain attention. Why would they get rid of something that 1:12:35.040 --> 1:12:36.000 works for them. 1:12:36.800 --> 1:12:39.880 Yeah, I mean, at some point it's going to become unbearable. 1:12:40.280 --> 1:12:42.880 There are a number of people that are continuing to work. 1:12:43.120 --> 1:12:46.320 I saw somewhere that seventy two percent of federal employees 1:12:46.360 --> 1:12:48.800 are continuing to work. Now they can't get paid until 1:12:48.840 --> 1:12:53.080 the shutdown's over, but the White House is trying to 1:12:53.400 --> 1:12:56.799 dial up the pain on things that are particularly salient 1:12:57.160 --> 1:13:00.880 to the Democratic senators that need to vote for this thing, 1:13:00.960 --> 1:13:04.960 so canceling infrastructure grants and energy grants and that kind 1:13:05.000 --> 1:13:08.519 of thing. There are bigger conversations that need to be had, 1:13:08.600 --> 1:13:10.720 but again, we need to fix it. We need to 1:13:10.760 --> 1:13:14.240 get the government opened again, because the longer this goes on, 1:13:14.479 --> 1:13:16.400 there are things that we do need in the long 1:13:16.520 --> 1:13:20.400 run that maybe aren't immediately so important, that start to 1:13:20.400 --> 1:13:22.360 fall by the wayside. There's a lot of permits that 1:13:22.360 --> 1:13:24.559 don't get issued when the federal government shut down like this. 1:13:24.920 --> 1:13:28.280 There's one guy over the Treasury Department who approves all 1:13:28.400 --> 1:13:31.599 new beer and wine labels apparently, and so you've got, 1:13:31.840 --> 1:13:34.280 you know, beer that's going to go bad and the 1:13:34.400 --> 1:13:39.040 losses to the brewers if these labels don't start getting approved. 1:13:38.640 --> 1:13:41.200 Right Curt on that too. We've i think talked about 1:13:41.240 --> 1:13:42.960 this in the past, but what would that look like? 1:13:43.040 --> 1:13:46.439 How easy or hard would it be to balance the budget? 1:13:46.479 --> 1:13:48.600 Requires that the budget be balanced. I know, if you 1:13:48.640 --> 1:13:51.080 go back to ninety five, we're really really close on 1:13:51.120 --> 1:13:52.880 this thing and have grown apart ever since. 1:13:54.240 --> 1:13:57.120 Yeah, we Congress almost did pass the Balance budget Amendment 1:13:57.400 --> 1:14:00.479 in nineteen ninety five. Have passed. The House needed two 1:14:00.560 --> 1:14:02.320 hundred and ninety votes to get to two thirds, and 1:14:02.360 --> 1:14:04.120 they have three hundred, and then it went to the 1:14:04.160 --> 1:14:06.559 Senate and failed by one vote. It turns out there 1:14:06.560 --> 1:14:09.880 are actually a lot of problems with that version of 1:14:09.880 --> 1:14:13.120 a balance budget amendment proposal. I talk about that in 1:14:13.160 --> 1:14:15.800 my book Fiscal Democracy in America, and I also talk 1:14:15.840 --> 1:14:20.439 about new versions of DBAs that actually are better, much better, 1:14:20.560 --> 1:14:22.880 don't have the problems of the old versions. And the 1:14:22.920 --> 1:14:26.479 next time the balance budget Amendment becomes a hot topic, 1:14:26.640 --> 1:14:29.439 then maybe we've actually got a shot. And then in 1:14:29.479 --> 1:14:32.320 addition to that, there's you know, fixing the underlying process 1:14:32.520 --> 1:14:34.840 so that Congress has enough dials that it can turn, 1:14:35.320 --> 1:14:38.080 so that it can actually reach balance, stay in balance, 1:14:38.240 --> 1:14:41.120 and do it in a way that is politically survivable 1:14:41.520 --> 1:14:44.280 for members of Congress because you know, they want to 1:14:44.280 --> 1:14:47.120 get reelected, so they've got to be able to do both. 1:14:47.479 --> 1:14:47.639 Right. 1:14:47.880 --> 1:14:49.840 One of the cries would be, well, wait a minute, 1:14:49.840 --> 1:14:52.200 what if we fall to and emerge, for example, COVID 1:14:52.280 --> 1:14:53.800 hits like we had another COVID right now, It's not 1:14:53.840 --> 1:14:56.800 that coming COVID shouts everything down. We have to pay 1:14:56.840 --> 1:14:59.280 people not to work, which is a new notion. We've 1:14:59.280 --> 1:15:01.040 got to borrow more more in order that we can't 1:15:01.080 --> 1:15:03.479 have as bounced budget. We can't do that kind of thing. 1:15:03.479 --> 1:15:05.439 What about during an emergency? 1:15:05.880 --> 1:15:09.960 Yeah, I mean emergencies take a number of different forms, pandemics, wars, recessions, 1:15:10.560 --> 1:15:13.559 you know, natural disasters, And it's totally appropriate and it's 1:15:13.600 --> 1:15:17.920 responsible budgeting to borrow for emergencies. Every BBA, including the 1:15:18.200 --> 1:15:20.800 good versions that I just talked about, has some sort 1:15:20.800 --> 1:15:23.639 of a safety valve for emergencies. It should be high 1:15:23.960 --> 1:15:27.000 so that it doesn't the safety valve doesn't get abused, 1:15:27.400 --> 1:15:29.640 but it shouldn't be so high that it's kind of 1:15:29.640 --> 1:15:32.840 out of character with the Constitution, or that would let 1:15:32.880 --> 1:15:35.400 a small minority kind of play the hold up game 1:15:35.680 --> 1:15:38.519 in order to extract concessions. One of the reasons we're 1:15:38.520 --> 1:15:40.360 able to have a shutdown right now is because there's 1:15:40.360 --> 1:15:44.439 not some major emergency going on. This with pressure on 1:15:44.560 --> 1:15:47.200 I think Goodness putting pressure on folks to come to 1:15:47.240 --> 1:15:47.599 the table. 1:15:47.640 --> 1:15:49.000 He can you imagine if we had some sort of 1:15:49.000 --> 1:15:52.439 major emergency right now, we'd be screwed, would we? 1:15:52.439 --> 1:15:55.040 Well, I think people would get their act together. We'd 1:15:55.040 --> 1:15:57.840 reopen the government, the emergency would get funded, and whatever 1:15:57.880 --> 1:16:02.160 authorities what would be needed would be provided. So, you know, 1:16:02.400 --> 1:16:07.200 people will change their actions and response to changing circumstances. 1:16:08.120 --> 1:16:09.679 What do you think is going to force them to act? 1:16:09.760 --> 1:16:11.960 I mean, we've talked about the debt bond before, which 1:16:11.960 --> 1:16:13.920 in less than twenty years we're not going to be 1:16:13.960 --> 1:16:15.880 able to service the interest on our debt. Pretty Much 1:16:15.920 --> 1:16:17.439 everything we spend it's going to go to that. We'll 1:16:17.479 --> 1:16:19.680 be upside down. And we know the major cuts and 1:16:19.720 --> 1:16:23.080 government will come and and everything we take for granted 1:16:23.120 --> 1:16:27.519 will become in jeopardy. It's not a manufactured crisis like 1:16:27.560 --> 1:16:30.000 a doomsday. It's a financial doomsday. But we can see 1:16:30.000 --> 1:16:32.360 it coming. We can stop it. The only question is 1:16:32.360 --> 1:16:34.559 when does someone blank and say, Okay, we've got to 1:16:34.560 --> 1:16:36.160 really put the future of the country first. 1:16:37.040 --> 1:16:40.639 Yeah, that's the scary thing. Bridge Stown founders and investments 1:16:40.680 --> 1:16:44.200 like catche Fund Investment Company. So the founder, Ray Dallio, 1:16:44.600 --> 1:16:46.559 recently published a book and he's been out there talking 1:16:46.600 --> 1:16:48.840 about all this stuff. He thinks we've got about three 1:16:48.920 --> 1:16:52.040 years plus or minus the year before we have what 1:16:52.080 --> 1:16:56.439 he calls a fiscal heart attack, and if that happens, 1:16:56.479 --> 1:16:58.519 then yeah, we could have a debt crisis. And I 1:16:58.520 --> 1:17:01.519 guess at that point member Congress will get serious about, 1:17:01.840 --> 1:17:03.720 you know, looking at what doesn't work and how to 1:17:03.720 --> 1:17:06.680 fix it. But when you're in that crisis mode, it's 1:17:06.720 --> 1:17:09.759 just such a scramble. We would probably jack up taxes, 1:17:09.880 --> 1:17:11.640 we would yank the military out of the rest of 1:17:11.640 --> 1:17:14.160 the world, which you can make a case for it gradually, 1:17:14.240 --> 1:17:18.880 but not suddenly, and so like it'd be chaos. So 1:17:19.160 --> 1:17:22.519 the ideal is to get ahead of it, fix the system, 1:17:22.840 --> 1:17:25.840 let the bond markets know that we're on a path 1:17:25.880 --> 1:17:29.120 to get this stuff under control, avoid the fiscal heart attack. 1:17:29.920 --> 1:17:32.280 But you know, we're working on that. We're hopeful that 1:17:32.520 --> 1:17:35.439 once we get past the shutdown that members of Congress 1:17:35.520 --> 1:17:37.960 will be a lot more serious about thinking, Okay, this 1:17:38.120 --> 1:17:40.240 was not fun, this was not good. How do we 1:17:40.280 --> 1:17:41.000 make it all better? 1:17:42.080 --> 1:17:45.919 I wonder how much the conflict the said the demographic 1:17:46.080 --> 1:17:48.639 demographic shift in America, because you know, if you're older 1:17:48.720 --> 1:17:50.840 right now, the notion is that I paid into my 1:17:51.040 --> 1:17:53.880 these entitlements, they're not in toitements I paid for that. Well, 1:17:53.920 --> 1:17:56.160 you paid into it, but the people you elected, spend 1:17:56.160 --> 1:17:59.800 it out other stuff. That's that's kind of what happened. 1:17:59.800 --> 1:18:02.240 I know, we got a surplus here, let's spend that 1:18:02.320 --> 1:18:04.360 on something else. And they did that, and I was like, well, 1:18:04.439 --> 1:18:07.000 now we're kind of got to borrow money. And then 1:18:07.040 --> 1:18:11.600 people are screaming about is that voice becomes dimmer and 1:18:11.600 --> 1:18:14.280 dimmer because you know, generations fade out and new ones 1:18:14.320 --> 1:18:17.400 come in. Is that also part of what we're talking 1:18:17.439 --> 1:18:19.200 about here. It's just it's like a wait month. I 1:18:19.200 --> 1:18:20.519 don't know if we can wait three years, but a 1:18:20.560 --> 1:18:23.519 waiting game essentially, because I think younger people see the 1:18:23.880 --> 1:18:26.599 cold hard reality of the facts and they can't achieve 1:18:26.600 --> 1:18:29.439 the American dream that their grandparents, that their parents look 1:18:29.479 --> 1:18:30.519 on grandparents achieved. 1:18:31.560 --> 1:18:33.720 Yeah, I mean, it is a challenge, and there are 1:18:33.760 --> 1:18:36.880 lots of different ways to fix it. In theory, it's 1:18:36.920 --> 1:18:39.559 a political problem where members of Congress don't know how 1:18:39.560 --> 1:18:42.599 to chip away at these challenges in a way that's 1:18:42.640 --> 1:18:45.680 politically sustainable for them. So that's that's really what the 1:18:45.680 --> 1:18:48.839 promise of budget reform, like fixing the way that Congress 1:18:48.840 --> 1:18:53.120 makes decisions is all about. But the reality is that 1:18:53.479 --> 1:18:57.240 the surpluses have been sort of saved. It's the IOUs 1:18:57.400 --> 1:18:59.920 and the Trust Fund, and those are expected to be 1:19:00.120 --> 1:19:04.080 pleaded in about seven years now, so even you know, 1:19:04.080 --> 1:19:06.880 the surpluses will have been accounted for, and then there's 1:19:06.880 --> 1:19:09.000 still a big gap and it's going to have to 1:19:09.040 --> 1:19:13.360 come either through you know, benefit reductions or revenue increases. 1:19:13.400 --> 1:19:17.360 And revenue increases means taxing people who are working and 1:19:17.439 --> 1:19:20.000 often trying to provide for families and that sort of thing. 1:19:20.080 --> 1:19:22.920 So it thinks, no matter who's going to have to 1:19:22.920 --> 1:19:26.599 bear the transition costs, but it's got to happen somehow, 1:19:26.640 --> 1:19:28.639 and so we need Congress to be able to do 1:19:28.680 --> 1:19:31.760 that tough but necessary work and be able to be 1:19:31.840 --> 1:19:32.479 okay with that. 1:19:32.680 --> 1:19:36.439 Kurk Catchman with Americans for Prosperity on a balanced budget 1:19:36.479 --> 1:19:39.559 amendment simply because everything is so out of control. The 1:19:39.560 --> 1:19:42.720 shutdown is emblematic of that. How do you sell the 1:19:42.800 --> 1:19:45.479 city American people? Though, because Benjamin's saying is, hey, listen, 1:19:45.720 --> 1:19:47.479 we've got to balance a budget. That means we're going 1:19:47.520 --> 1:19:49.040 to have to make some tough decisions here and what 1:19:49.080 --> 1:19:51.679 we spend our money in. Because you know, the edict 1:19:51.680 --> 1:19:54.200 of Republicans was, hey, we're going to get in here 1:19:54.240 --> 1:19:55.920 and have doze and we're to make these huge cuts 1:19:55.960 --> 1:19:57.759 and we're going to right side. We're quit our spending, 1:19:57.800 --> 1:20:01.360 and spending has since gone up to Republicans and Donald Trump. 1:20:02.760 --> 1:20:05.559 Balance in the budget over a reasonable period like ten 1:20:05.640 --> 1:20:08.439 years or something. That's an eighty percent issue from the 1:20:08.439 --> 1:20:12.000 American public. So the question is how do you design 1:20:12.160 --> 1:20:16.120 one that actually works for governance? And the ones that 1:20:16.160 --> 1:20:19.280 I think have the best likelihood of succeeding would balance 1:20:19.280 --> 1:20:23.360 over ten years after ratification, after the thirty eighth date 1:20:23.400 --> 1:20:27.160 approves it, and wouldn't necessarily have to go to full 1:20:27.200 --> 1:20:30.479 balance including interests. I could go to primary balance, which 1:20:30.520 --> 1:20:34.040 is current spending not including interests and revenue, and that's 1:20:34.120 --> 1:20:36.719 enough to stabilize the debt burden and keep it from 1:20:36.760 --> 1:20:40.040 exploding and causing all the problems. Long term, we probably 1:20:40.120 --> 1:20:42.920 do have to move closer to full balance, but it's 1:20:42.960 --> 1:20:45.360 just too big for Congress right now. So you know, 1:20:45.400 --> 1:20:47.479 we have to do one piece of a time. And 1:20:47.720 --> 1:20:51.120 we actually did some polling about shutdowns right before the shutdown, 1:20:51.439 --> 1:20:54.840 and it turns out that another eighty percent issue is, 1:20:55.560 --> 1:20:58.720 you know, forcing Congress to stay in DC until they 1:20:58.760 --> 1:21:01.800 get the appropriations built done and in the meantime not 1:21:01.880 --> 1:21:05.120 have any interruptions and services for the American people. I mean, 1:21:05.160 --> 1:21:06.280 we pay for it. 1:21:06.439 --> 1:21:07.160 It should be there. 1:21:07.320 --> 1:21:10.200 So that's another thing that is part of fixing the system. 1:21:10.320 --> 1:21:12.080 And not only that we should pay for it, we're 1:21:12.080 --> 1:21:13.960 going to pay more because of the government shutdown. 1:21:14.000 --> 1:21:14.759 That's the worst part. 1:21:15.880 --> 1:21:17.960 Yeah, I mean it holds back the economy, and not 1:21:18.000 --> 1:21:19.960 as much as some people claim, but that the bigger 1:21:20.080 --> 1:21:23.760 cost is that Congress ends up jamming through some sort 1:21:23.800 --> 1:21:27.040 of an omnibus appropriations bill with all sorts of blow 1:21:27.160 --> 1:21:30.479 and pork, and very few members get participate in the process. 1:21:30.640 --> 1:21:33.960 So we have a deficit when it comes to democracy 1:21:34.400 --> 1:21:36.519 as well when it comes to these big spending bills 1:21:36.560 --> 1:21:38.120 that are cooked up behind closed doors. 1:21:38.400 --> 1:21:40.000 I don't know what hope we do have because the 1:21:41.000 --> 1:21:44.360 groundswell Republicans getting swept in and Donald Trump yet again 1:21:44.520 --> 1:21:46.519 was hey, we're going to cut taxes for everybody. We're 1:21:46.520 --> 1:21:48.200 going to tear issue tear if we're going to make 1:21:48.200 --> 1:21:51.639 everybody in America rich. Again, that's all great in some areas, 1:21:51.640 --> 1:21:54.080 it's succeeding. In other areas it's not. And you know 1:21:54.360 --> 1:21:56.240 we're gonna, Hey, we're going to cut all these programs, 1:21:56.280 --> 1:21:59.040 and we're not we're going to If you cut taxes, 1:21:59.040 --> 1:22:01.240 you got to cut programs. They cut taxes, but they 1:22:01.280 --> 1:22:02.520 didn't cut programs. 1:22:03.520 --> 1:22:05.720 Well, they kept taxes from going up, and there were 1:22:05.720 --> 1:22:08.800 some new tax cuts. The new tax cuts were more 1:22:08.840 --> 1:22:13.599 than fully offset with some changes to benefits programs. Really 1:22:13.600 --> 1:22:16.280 just good governments cleaning up making sure that people are 1:22:16.280 --> 1:22:20.120 actually eligible for the programs. You've heard some of the 1:22:20.160 --> 1:22:23.360 scary stories about Medicaid and the food stamps and all that. 1:22:23.600 --> 1:22:27.040 Those are modest changes to make sure that there wasn't 1:22:27.120 --> 1:22:29.519 as much waste, fraud, and abuse in them. There's a 1:22:29.560 --> 1:22:31.679 lot more that needs to happen. Like in the long run, 1:22:31.960 --> 1:22:35.720 the major challenge is the imbalance in social security, but 1:22:35.920 --> 1:22:39.800 especially in federal health care programs. Almost all of federal 1:22:39.840 --> 1:22:43.599 health subsidies are outside of the appropriations process, and so 1:22:43.680 --> 1:22:47.519 if we just fixate on appropriations the twelve Bills, we're 1:22:47.560 --> 1:22:49.720 never going to figure out how to fix healthcare. So 1:22:49.760 --> 1:22:52.719 that's why we're talking about we need to move Congress 1:22:52.840 --> 1:22:55.360 doing a comprehensive budget that has all of the spending, 1:22:55.720 --> 1:22:58.080 all of the revenue, all the tax expenditures, and then 1:22:58.080 --> 1:23:00.880 they can actually manage this stuff and weed out the 1:23:00.920 --> 1:23:04.000 nonsense and to make things you know, being and efficient 1:23:04.160 --> 1:23:06.760 and effective. And that's the way that we're going to 1:23:06.800 --> 1:23:07.880 be able to solve this problem. 1:23:08.240 --> 1:23:09.639 Kash Man, You just dreaming here? 1:23:09.760 --> 1:23:10.439 Is that what this is? 1:23:10.479 --> 1:23:12.759 You just specball and dreaming because I mean it sounds 1:23:12.760 --> 1:23:14.080 good and mess people not in their head? 1:23:14.080 --> 1:23:16.000 Ben, is it really going to happen? 1:23:17.120 --> 1:23:19.240 Well, that's what we're trying to make happen. I mean, look, 1:23:19.920 --> 1:23:22.320 everything starts out as a dream and then it gets 1:23:22.320 --> 1:23:25.480 more and more concrete. This stuff is all introduced as legislation. 1:23:25.960 --> 1:23:29.479 Most of it has bipartisan support, and that which doesn't 1:23:29.760 --> 1:23:32.439 it should and will eventually it's going to have to. 1:23:33.520 --> 1:23:35.960 But you know, we're we're moving along and then there 1:23:36.000 --> 1:23:39.120 are nobody's really objected to any of these particular pieces. 1:23:39.160 --> 1:23:41.720 It's more like, oh, we just need to think about 1:23:41.760 --> 1:23:44.599 it some more so. But like doing a real budget, 1:23:44.840 --> 1:23:47.080 that is the most basic thing that you can do 1:23:47.240 --> 1:23:48.719 to manage your situation. 1:23:48.920 --> 1:23:49.760 Right, It's a job. 1:23:50.360 --> 1:23:52.160 It's prescribed for them. Here's your job. 1:23:52.200 --> 1:23:54.960 You've got one job, Congress. The job is you got 1:23:54.960 --> 1:23:56.320 to come up with a butts that's your job. 1:23:57.040 --> 1:23:57.679 Yep, we can't. 1:23:57.680 --> 1:23:59.680 We have done that job of We've done that job 1:23:59.720 --> 1:24:01.960 twice since I bet a voter and I'm old. 1:24:02.000 --> 1:24:04.920 Oh, Congress has actually never done a real budget with 1:24:04.960 --> 1:24:05.559 everything in it. 1:24:05.640 --> 1:24:06.320 Never, not once. 1:24:06.640 --> 1:24:09.280 I mean, Congress started out as a really informal institution, 1:24:09.800 --> 1:24:13.080 and as it's gotten bigger, as society has gotten more complicated, 1:24:13.400 --> 1:24:16.479 it should have formalized the way that it makes decisions 1:24:16.520 --> 1:24:19.000 more and it just hasn't. And you know, we're kind 1:24:19.000 --> 1:24:23.160 of a generational moment where it's time to really modernize Congress, 1:24:23.160 --> 1:24:24.919 and so this is part of that agenda. 1:24:25.320 --> 1:24:27.160 Yeah, I wonder if you can see younger people, I'm 1:24:27.280 --> 1:24:29.839 millennials but also gen zers like enough of this nonsense 1:24:29.880 --> 1:24:32.320 and take government back. I mean, the future is the hope, 1:24:32.360 --> 1:24:34.280 I think absolutely. 1:24:34.439 --> 1:24:36.439 And you know people will often say, oh, we need 1:24:36.439 --> 1:24:39.360 to consider the twelfth appropriations built separately, and it's like 1:24:39.360 --> 1:24:43.040 why because you know, Congress, which was a Democrat led 1:24:43.080 --> 1:24:46.040 at the time, decided that that was the best way 1:24:46.240 --> 1:24:48.880 four or fifty years ago. No, I mean, like times 1:24:48.880 --> 1:24:52.360 have changed and our needs have changed. We need Congress 1:24:52.400 --> 1:24:54.280 to do things that make sense for today, not for 1:24:54.360 --> 1:24:56.800 what made sense to push back on Richard Nixon fifty 1:24:56.880 --> 1:24:57.280 years ago. 1:24:58.120 --> 1:25:00.000 Yeah, Well, that's the nature of it. Always look back, 1:25:00.120 --> 1:25:01.639 but it was so much better than was it. Really, 1:25:02.720 --> 1:25:04.800 History is very kind as it not. Kurt couchment over 1:25:04.840 --> 1:25:08.360 to Americans for prosper Americans for Prosperities, a senior fiscal 1:25:08.600 --> 1:25:12.120 policy fellow checking in and once again restoring some common 1:25:12.160 --> 1:25:14.880 sense in Congress of Balanced Budget's Amendment could do that. 1:25:15.000 --> 1:25:16.120 But we shall see. 1:25:16.160 --> 1:25:17.840 I wonder if we fall off the cliff, and maybe 1:25:17.880 --> 1:25:19.800 as we're falling off the cliff, we try to do something, 1:25:19.880 --> 1:25:23.000 but by then it'll be too late. Hopefully, hopefully this 1:25:23.040 --> 1:25:25.040 can gain some traction. Kurt, all the best, Thanks. 1:25:24.880 --> 1:25:27.920 Again, thanks for having me news on the way in. 1:25:27.880 --> 1:25:29.840 Just about four or five minutes here on the Big 1:25:29.880 --> 1:25:33.200 one seven hundred WW Scott's Loan Show, and then we return. 1:25:33.280 --> 1:25:35.479 Andy Schaeffer checks in. We'll put all this together. We 1:25:35.560 --> 1:25:38.439 just talked about with the markets. The market's been kind 1:25:38.439 --> 1:25:40.840 of bouncing around a little bit lately. Everything was great 1:25:40.840 --> 1:25:43.040 and then Friday hit and it's all crazy. What's really 1:25:43.080 --> 1:25:46.880 going on in the underbelly of the American economy. Some 1:25:47.000 --> 1:25:49.479 people say we're headed towards another ready for this one, 1:25:49.520 --> 1:25:51.920 another great depression like we had nineteen twenty nine. I'll 1:25:51.960 --> 1:25:53.360 bounce it off him see what he has to say 1:25:53.360 --> 1:25:56.559 about it. Just ahead. Scott's Loan show continues after news. 1:25:57.160 --> 1:25:59.320 I'm the home of the best Bengals coverage Thursday Night 1:25:59.320 --> 1:26:01.559 Football and then on seven hundred WB. 1:26:01.439 --> 1:26:05.280 The time to talk about money, how to make it, 1:26:05.439 --> 1:26:08.439 how to keep it, and how to keep others off 1:26:08.520 --> 1:26:09.160 your stack. 1:26:12.840 --> 1:26:16.479 This is all Worth Advice with Andy Schaeffer, Money time, 1:26:16.560 --> 1:26:19.519 bad money, Never sleep. Andy Schaeffer never saw well he does. 1:26:19.600 --> 1:26:21.960 He's really good at sleeping, but he's pretty good at 1:26:22.000 --> 1:26:22.400 what he does. 1:26:22.479 --> 1:26:25.400 Is our expert when it comes to markets, investments, and 1:26:25.479 --> 1:26:26.640 your future financially. 1:26:26.680 --> 1:26:29.880 He's with all Worth financially. Andy. Welcome, Thanks Scott, happy 1:26:29.920 --> 1:26:31.400 to be here, Yes, sir, so. 1:26:31.720 --> 1:26:33.680 Markets are just kind of bouncing all over like a 1:26:33.680 --> 1:26:35.880 ping pong ball and an empty box car right now 1:26:35.920 --> 1:26:38.240 and then started out went back on Friday because of 1:26:38.280 --> 1:26:40.599 the tariff with China in this case where we gelt 1:26:40.600 --> 1:26:43.479 one hundred percent and then yesterday had cooled off and 1:26:43.479 --> 1:26:45.360 then China said we're going to hit you on your 1:26:45.400 --> 1:26:46.960 shipping and what the hell's going on? 1:26:47.640 --> 1:26:51.000 Yeah, it's kind of funny, you know. Last Friday, the 1:26:51.000 --> 1:26:52.880 market's were cruising along and I had a couple of 1:26:52.920 --> 1:26:55.280 meetings that I look up in the afternoon and you know, 1:26:55.320 --> 1:26:58.280 they went sideways down about three percent, and you know, 1:26:58.479 --> 1:27:00.800 I was curious to see why. And it was because 1:27:00.800 --> 1:27:05.000 Donald Trump basically said that Chinese imports could reach one 1:27:05.040 --> 1:27:09.479 hundred percent tariffs starting on November first. Obviously, markets didn't 1:27:09.560 --> 1:27:12.240 like that. I think he's not very happy with a 1:27:12.280 --> 1:27:14.920 lot of the response that he's getting from Jijiping and 1:27:15.760 --> 1:27:20.640 the Chinese. And in response, China basically said, all right, well, 1:27:20.640 --> 1:27:23.760 we're going to put restrictions on rare earth minerals, which 1:27:23.800 --> 1:27:26.680 is very important for us. And I don't think a 1:27:26.680 --> 1:27:29.880 lot of people understand what rare earth minerals are. It's 1:27:29.880 --> 1:27:33.160 not diamonds, it's not emeralds. Essentially, what it is there's 1:27:33.160 --> 1:27:37.200 about fifteen to seventeen obscure elements, big words that are 1:27:37.240 --> 1:27:41.360 hard to pronounce, that are essential for inputs in electric vehicles, magnets, 1:27:41.400 --> 1:27:45.880 wind turbines, semiconductors, even our fighter jets. So it's not 1:27:46.000 --> 1:27:49.439 that the Chinese have a surplus or more than the 1:27:49.439 --> 1:27:51.760 rest of the world of these rare earth minerals. What 1:27:51.800 --> 1:27:55.599 they are good at is producing them and polishing them up. 1:27:55.640 --> 1:27:57.800 To make sure that they are available for use. Now, 1:27:58.040 --> 1:28:00.920 the United States we have, you know, more of a 1:28:00.920 --> 1:28:03.000 surplus than China does, and the minerals, we just don't 1:28:03.040 --> 1:28:06.840 have the capacity to really produce them and process them 1:28:06.840 --> 1:28:07.840 the way that China does. 1:28:07.880 --> 1:28:09.599 So it's an environmental issue, is what it is. 1:28:09.920 --> 1:28:11.040 Yeah, Well, and that's it now. 1:28:11.080 --> 1:28:13.160 I do think at some point, you know, we are 1:28:13.200 --> 1:28:15.400 going to work towards that because I think most of 1:28:15.400 --> 1:28:18.480 our society realize that we don't want to be beholden 1:28:18.520 --> 1:28:20.960 to the Chinese as far as rare as minerals go, 1:28:21.240 --> 1:28:24.960 particularly because it's very critical for our military and so 1:28:25.200 --> 1:28:28.160 obviously we don't want to rely on them for those 1:28:28.240 --> 1:28:30.519 but that can take years, Scott before we can get 1:28:30.560 --> 1:28:33.320 to the point where we can process as rare minerals 1:28:33.400 --> 1:28:36.400 like China does. And so essentially what we've seen in 1:28:36.439 --> 1:28:38.800 the markets is that it's kind of been a resurgent 1:28:39.080 --> 1:28:41.320 of a little bit of tension between US and the 1:28:41.400 --> 1:28:43.680 Chinese as far as trade talks. I think we kind 1:28:43.680 --> 1:28:45.400 of forgot about it for a little while and this 1:28:45.560 --> 1:28:46.839 just kind of brought it to the forefront. 1:28:47.000 --> 1:28:50.360 Yeah, and I'm guessing that this is why the crypto 1:28:50.360 --> 1:28:51.920 markets stumbled so badly. 1:28:52.040 --> 1:28:54.040 Yeah, yeah, a little bit has to do with crypto 1:28:54.040 --> 1:28:55.600 markets as well. Now we saw a little bit of 1:28:55.600 --> 1:28:58.320 a rally there yesterday, but that falls in line with 1:28:58.400 --> 1:29:00.720 Trump walking back as comments on China as well. 1:29:00.760 --> 1:29:02.479 I mean he basically said, oh yeah, me and. 1:29:02.560 --> 1:29:05.040 Xijingping or good buddies, and we'll work it out and 1:29:05.040 --> 1:29:07.280 those types of things. And you know, this is more 1:29:07.320 --> 1:29:09.719 of the same that we've seen from the rhetoric from 1:29:10.040 --> 1:29:12.680 the White House with our relationship with China, and so 1:29:12.880 --> 1:29:15.280 I think a lot of investors right now are holding 1:29:15.320 --> 1:29:17.879 on to every word, which I think is a bad idea. 1:29:18.040 --> 1:29:19.519 You know, this is just kind of par for the 1:29:19.560 --> 1:29:22.639 course and negotiations, and so I think the lesson here 1:29:22.760 --> 1:29:25.519 is just just hang in there, keep reviewing your portfolio 1:29:25.560 --> 1:29:27.439 and make sure it's in lign with your risk tolerance 1:29:28.000 --> 1:29:28.920 because we'll come out of this. 1:29:29.680 --> 1:29:32.920 Yeah, and figuring out the rarest mineral thing too, because 1:29:32.960 --> 1:29:35.080 I think it's the country have a lot of it. 1:29:35.400 --> 1:29:37.639 I know Afghanistan has have some, but I think maybe India. 1:29:37.720 --> 1:29:40.479 Vietnam I think comes to mind as well. And you know, 1:29:40.520 --> 1:29:42.559 back to the tariff thing we're hitting in Vietnam with 1:29:42.680 --> 1:29:44.960 tariffs or these countries with tariffs. 1:29:44.960 --> 1:29:46.559 Does that make a lot of sense in your opinion? 1:29:46.600 --> 1:29:49.240 Where We're okay, the tariff experiment's gone on for a while, 1:29:49.280 --> 1:29:50.519 I'm still not seeing the results of this. 1:29:50.560 --> 1:29:54.120 Andy Well, I think we are starting to see to 1:29:54.200 --> 1:29:56.519 where we have a little bit more leverage in China, 1:29:56.600 --> 1:29:58.720 and I think we have seen some progress. We got 1:29:58.760 --> 1:30:02.040 a good deal with European Union, we received a nice 1:30:02.080 --> 1:30:06.719 deal with Great Britain. But you know, in many senses, 1:30:06.760 --> 1:30:10.759 those countries don't matter as much as China, Mexico and Canada. 1:30:10.800 --> 1:30:15.080 Those are big trading partners right right, And so you know, 1:30:15.160 --> 1:30:17.360 as this continues on, I think Trump is playing the 1:30:17.360 --> 1:30:19.760 slow play game. I think he feels like time is 1:30:19.760 --> 1:30:23.479 on his side because inflation has been fairly calm. We're 1:30:23.479 --> 1:30:25.320 seeing it tick up just a little bit, so it 1:30:25.320 --> 1:30:27.920 feels like he has leverage in this regard. And furthermore, 1:30:28.240 --> 1:30:30.920 think of it from the Chinese perspective, if we continue 1:30:30.960 --> 1:30:34.240 to put pressure on the Chinese. Essentially, China needs access 1:30:34.240 --> 1:30:36.479 to our markets. We're the largest economy in the world. 1:30:36.760 --> 1:30:39.160 They sell most of their goods to the United States. 1:30:39.200 --> 1:30:41.759 So if they don't have access to sell their goods 1:30:41.920 --> 1:30:44.880 to US citizens, they will fall in a very deep, 1:30:45.040 --> 1:30:47.360 deep recession and they can't afford to do that. So 1:30:47.600 --> 1:30:51.080 I think he feels like he has leverage there. Hopefully again, 1:30:51.120 --> 1:30:53.120 we'll come to a deal before the end of the year. 1:30:53.200 --> 1:30:55.559 But we've been talking about this Scott since you know, 1:30:55.600 --> 1:30:58.320 March and April, so it remains to be seen. 1:30:58.479 --> 1:31:00.960 Yeah, I mean, the crowd was okay tariffs and we 1:31:01.040 --> 1:31:02.920 are the United States is hauling in a lot more 1:31:02.960 --> 1:31:04.519 money than we have when it comes to tariffs. I 1:31:04.520 --> 1:31:07.080 don't know where the money's going. It's coming back to us, 1:31:07.160 --> 1:31:09.559 right is they say, hey, we're gonna have all these 1:31:09.560 --> 1:31:11.840 manufacturing jobs now. Granted that's going to take a while, 1:31:11.840 --> 1:31:14.160 and there was a campaign promise, but you think we 1:31:14.520 --> 1:31:16.519 other than maybe a few here or there, we'd start 1:31:16.560 --> 1:31:18.360 to see things moving a little faster than right now. 1:31:18.360 --> 1:31:20.800 Because we are an impatient, peaceable it's something that takes 1:31:20.840 --> 1:31:23.320 ten years, we want it done in six months. 1:31:23.600 --> 1:31:25.720 Well yeah, I mean look at you know, the the 1:31:25.760 --> 1:31:28.519 Intel factory and Columbus that were scheduled to begin. I 1:31:28.520 --> 1:31:30.519 mean that's that we still don't know where that's going 1:31:30.600 --> 1:31:31.640 to be. And that was going to be a big 1:31:31.680 --> 1:31:36.120 boon for the Columbus area, and I think I think 1:31:36.160 --> 1:31:39.879 what we're seeing is more of a shift and business approach, 1:31:40.040 --> 1:31:43.680 not only domestically but internationally. You know, we're not necessarily 1:31:43.720 --> 1:31:46.920 seeing these these large manufacturers, you know, open up these 1:31:47.360 --> 1:31:49.400 processing plants here in the United States. But what I 1:31:49.439 --> 1:31:51.600 think you're starting to see is a shift in the 1:31:51.800 --> 1:31:56.000 approach of the c suite decision makers within these corporations 1:31:56.000 --> 1:31:58.320 to say, hey, we at least have to have some 1:31:58.400 --> 1:32:00.600 type of presence in the United States. We have to 1:32:00.640 --> 1:32:04.120 have alternatives to producing a lot of our goods overseas. 1:32:04.200 --> 1:32:06.600 And I think at least the planning is in the 1:32:06.640 --> 1:32:09.599 works for these companies to have more of a presence 1:32:09.600 --> 1:32:11.240 here in the United States. But again, like you said, 1:32:11.240 --> 1:32:13.760 it's gonna take years for that to occur. But I 1:32:13.800 --> 1:32:16.519 think at least the ball has started to roll in 1:32:16.560 --> 1:32:17.080 that direction. 1:32:17.160 --> 1:32:19.679 Andy Schaefer over at all Worth Financial and Simply Money 1:32:19.680 --> 1:32:21.679 and a little Financial tune up on this Tuesday morning 1:32:21.680 --> 1:32:23.680 on the Scotslan Show on seven hundred w I've just 1:32:23.760 --> 1:32:26.360 been a crazy few days here. We haven't had some 1:32:26.400 --> 1:32:29.280 crazy days in a while, and the upward trend line 1:32:29.280 --> 1:32:32.360 has been going gangbusters for a while right now. So yeah, 1:32:32.360 --> 1:32:34.680 a little correction is to be expected when things are 1:32:34.720 --> 1:32:37.600 the way they are, how much, and I think this 1:32:37.680 --> 1:32:39.840 tells you everything you need to know. Everything we talked 1:32:39.840 --> 1:32:42.040 about the markets bouncing up and down had to do 1:32:42.080 --> 1:32:45.000 with tariffs on China. Markets don't give a damn about 1:32:45.000 --> 1:32:45.800 the shutdown, do they? 1:32:46.240 --> 1:32:48.120 No? No, And I think that. 1:32:48.120 --> 1:32:51.360 Everything you need to know is right there, right, yeah, right, 1:32:52.280 --> 1:32:54.439 you know, because at the end of the day, you know, 1:32:54.520 --> 1:32:57.160 certainly there are going to going to be some jobs 1:32:57.200 --> 1:32:59.479 are at risk with this shutdown, But for the most part, 1:32:59.520 --> 1:33:01.439 the labor market here in the United States is strong, 1:33:01.520 --> 1:33:04.519 and so as long as the consumer has the ability 1:33:04.560 --> 1:33:07.680 to earn a wage, that translates to more spending and 1:33:07.760 --> 1:33:09.280 ultimately higher stock prices. 1:33:09.320 --> 1:33:11.559 And so really it's about the strength of the job 1:33:11.600 --> 1:33:13.439 market right now. Now we're starting to see a little 1:33:13.680 --> 1:33:15.479 bit of cracks there, and I do think that there is 1:33:15.479 --> 1:33:18.160 some market fatigue with most investors. We've been on a 1:33:18.160 --> 1:33:20.920 three year role now where the market has done great, 1:33:21.000 --> 1:33:24.200 and so I think I think the one thing to 1:33:24.280 --> 1:33:28.440 note here is that we do experience a lot of corrections, 1:33:28.479 --> 1:33:30.560 which is a ten percent decline or more in the 1:33:30.600 --> 1:33:34.240 stock market. Those are fairly common since twenty fifteen. The 1:33:34.280 --> 1:33:36.720 S and P five hundred has had eight declines of 1:33:36.800 --> 1:33:39.320 roughly ten percent or more, including the one that we. 1:33:39.320 --> 1:33:40.120 Just had in April. 1:33:40.200 --> 1:33:43.559 So if we do see a correction of ten percent 1:33:43.640 --> 1:33:46.439 or even a bear market, which is a downward trend 1:33:46.439 --> 1:33:48.720 of over twenty percent, you know, at the end of 1:33:48.760 --> 1:33:51.120 the day, the economy is still expanding, and anytime that 1:33:51.160 --> 1:33:53.400 we see a pullback in an expanding economy where our 1:33:53.400 --> 1:33:56.920 GDP is positive, those are usually short lived. What we're 1:33:56.960 --> 1:34:00.719 mostly focused on is the probability of recession risk, because 1:34:00.720 --> 1:34:03.320 those tend to last a little bit longer from a 1:34:03.360 --> 1:34:06.200 market correction standpoint, and I would put that probably about 1:34:06.479 --> 1:34:09.840 recession risks, probably at about medium right now. So there 1:34:09.880 --> 1:34:12.040 are some things to keep an eye on, including the 1:34:12.080 --> 1:34:14.840 cooling labor market, but we have our eye on it. 1:34:15.040 --> 1:34:17.839 Yeah, And the shutdown thing is just I mean, you're pregnants. 1:34:17.840 --> 1:34:21.519 It's like me a theater because it is. And I'm 1:34:21.520 --> 1:34:23.679 not going to diminish, of course and downplay the people 1:34:23.680 --> 1:34:27.360 who are losing their jobs or furloughed as a result 1:34:27.360 --> 1:34:30.439 of this. That's serious. It's money, that's your neighbor. But 1:34:30.960 --> 1:34:33.680 statistically speaking, it's a very small percentage of the population. 1:34:34.479 --> 1:34:36.599 And on top of that, and I pointed this out 1:34:36.680 --> 1:34:39.679 last week, is something like this only affects eight percent 1:34:40.240 --> 1:34:42.920 of total government. So those who are shutting this down 1:34:42.960 --> 1:34:45.000 and say we need to shrink government, need to make 1:34:45.040 --> 1:34:47.679 government smaller and shrink it and shrink it, they're still 1:34:47.720 --> 1:34:50.519 funding ninety two percent of government. This is not really 1:34:50.520 --> 1:34:52.040 what a lot of people may. You know that the 1:34:52.120 --> 1:34:54.360 battle between the political hacks on the left and the right, 1:34:54.400 --> 1:34:57.120 and the reality of the thing is this is just theater. 1:34:57.240 --> 1:34:58.320 It doesn't mean a damn thing. 1:34:58.600 --> 1:35:00.880 Well, I think there are two areas that have me 1:35:00.960 --> 1:35:02.760 a little bit of concern where that could put some 1:35:02.800 --> 1:35:05.720 political pressure on Washington. One of those is that we're 1:35:05.720 --> 1:35:09.920 starting to see absenteeism among air traffic controllers and CSA agents, 1:35:10.320 --> 1:35:12.680 and so you know, imagine, if you know a lot 1:35:12.680 --> 1:35:14.759 of people travel for work, a lot of people travel 1:35:14.760 --> 1:35:18.160 for fun. If we start to have delays at airports, 1:35:18.840 --> 1:35:21.839 that's going to put a lot of political pressure in Washington. 1:35:21.920 --> 1:35:24.559 And furthermore, you know, in my line of work, what's 1:35:24.600 --> 1:35:27.680 more concerning to me is a lack of data that 1:35:27.720 --> 1:35:31.040 we have access to, whether it's inflation data that's not 1:35:31.080 --> 1:35:35.160 going to get announced you know, some rate cut decisions 1:35:35.200 --> 1:35:38.719 that are kind of being made in the dark because 1:35:38.760 --> 1:35:41.599 we don't have this information. Because as far as interest 1:35:41.640 --> 1:35:43.759 rates are concerned, if we don't have the correct data, 1:35:43.960 --> 1:35:46.000 it becomes a lot more treacherous for the FED to 1:35:46.000 --> 1:35:48.959 make those decisions. Now, we're going to get some speeches 1:35:49.000 --> 1:35:51.479 from a lot of the FED members you know, today 1:35:51.560 --> 1:35:53.559 and throughout the remaining part of the week. FED Shair 1:35:53.560 --> 1:35:57.040 and Pal is going to speak today at twelve twenty pm, 1:35:57.360 --> 1:35:58.960 So we'll see what they have to say, but hopefully 1:35:58.960 --> 1:36:00.919 we'll get some guidance from them of how they're approaching 1:36:00.920 --> 1:36:03.960 their decision to cut rates. I do still think we'll 1:36:04.000 --> 1:36:06.160 probably get a recut this month and probably another one 1:36:06.160 --> 1:36:07.479 in December, but it's hard to. 1:36:07.400 --> 1:36:09.800 Say because they just don't have access. Yeah, you just 1:36:09.800 --> 1:36:10.920 don't have access to the data. 1:36:11.040 --> 1:36:12.760 So but again back to the idea of this as 1:36:12.800 --> 1:36:15.479 being theaters, these things that you just mentioned are enough 1:36:15.520 --> 1:36:17.680 to make us uncomfortable and pay attention that there's a 1:36:17.680 --> 1:36:20.000 shutdown right The fact that I'm waiting longer in airport 1:36:20.080 --> 1:36:22.920 because TSA or you know, Nashville had to shut their 1:36:22.960 --> 1:36:24.519 tower down for a few hours is a pain in 1:36:24.560 --> 1:36:27.160 the bottom and get rerood diverted. My flight's canceled. That's 1:36:27.200 --> 1:36:29.679 an inconvenience, it's a pain in the butt. The report's 1:36:29.680 --> 1:36:31.759 coming out. As you mentioned, it makes your job harder 1:36:31.800 --> 1:36:34.160 to do as well, so they just want to make it. 1:36:34.160 --> 1:36:36.479 It's theater in a sense. It's like our national defense. 1:36:36.520 --> 1:36:38.840 All the core stuff is still working behind the scenes. 1:36:38.880 --> 1:36:41.120 Those people are still getting paid, but it's the ones 1:36:41.160 --> 1:36:44.760 we notice, and that's it's orchestrated that way. I know 1:36:44.920 --> 1:36:50.360 that the economist slash reporter Andrew ross Orkin is one 1:36:50.360 --> 1:36:52.160 of the names out there that's leading this. This is 1:36:52.240 --> 1:36:54.519 nineteen twenty nine all over again, because when the markets 1:36:54.520 --> 1:36:57.320 are up, we had three years of growth, the economy soft, 1:36:57.360 --> 1:37:00.280 there's an underbelly, there's a bubble in AI right now, 1:37:00.400 --> 1:37:03.200 and October has always been a bad month for investors. 1:37:03.240 --> 1:37:04.519 The October effect as well. 1:37:04.840 --> 1:37:06.880 If you look at the history of crashes as you have, 1:37:07.320 --> 1:37:10.160 you know the October effect is somewhat a real thing. 1:37:10.800 --> 1:37:13.920 All of that together, October effects, October effect, and the 1:37:13.920 --> 1:37:17.120 economy and the underbelly economy. Right now, do you think 1:37:17.400 --> 1:37:21.280 that we are on the verge of another worldwide American 1:37:21.520 --> 1:37:24.760 specifically global collapse of the economy like we had with 1:37:24.800 --> 1:37:25.519 the Great Depression. 1:37:25.960 --> 1:37:28.200 No, no, And I think you have to understand that 1:37:28.200 --> 1:37:31.240 there are really three types of recessions. There is a 1:37:31.280 --> 1:37:35.120 cyclical recession like we normally have in general business cycles, 1:37:34.760 --> 1:37:37.840 it's a part of our overall business cycle. We also 1:37:37.920 --> 1:37:40.759 have we consider a venture even recessions like we had 1:37:41.479 --> 1:37:43.960 during the pandemic. Those usually are very sharp down and 1:37:44.120 --> 1:37:47.200 very quick and sharp up back to normal. But then 1:37:47.240 --> 1:37:49.200 we have what we call structural recession like we had 1:37:49.200 --> 1:37:50.000 in two thousand and eight. 1:37:50.040 --> 1:37:51.680 Those are the doozies. Those are the ones that we 1:37:51.720 --> 1:37:52.400 try to avoid. 1:37:53.280 --> 1:37:55.799 And as far as the economic data that we're seeing, 1:37:55.960 --> 1:37:58.479 you know, our growth is still remaining positive, the labor 1:37:58.520 --> 1:38:02.559 market is still interest rates are starting to come down, 1:38:02.720 --> 1:38:07.280 and so when I see some of these publications, authors 1:38:07.280 --> 1:38:09.400 of these publications, a lot of it is fear mongering 1:38:09.400 --> 1:38:10.000 in my opinion. 1:38:10.040 --> 1:38:11.479 Now, that doesn't mean that we're not going to see 1:38:11.479 --> 1:38:11.960 a pullback. 1:38:11.960 --> 1:38:15.000 We could easily see a ten to fifteen twenty percent 1:38:15.520 --> 1:38:19.719 pullback over the next you know, six to twelve months. However, 1:38:19.920 --> 1:38:22.160 I don't see a major collapse on the horizon at 1:38:22.200 --> 1:38:24.679 this point because most of our data is fairly stable. 1:38:25.040 --> 1:38:28.880 Okay, And I think that's probably what most people are saying, 1:38:29.000 --> 1:38:30.920 is like, well, you know, we we learned a lot 1:38:30.960 --> 1:38:33.200 from nineteen twenty nine. The other thing, in nineteen twenty nine, 1:38:33.240 --> 1:38:36.400 we had everyone was borrowing money to invest in stocks. 1:38:36.400 --> 1:38:38.360 They never realized that if it went and he had direction, 1:38:38.439 --> 1:38:40.000 they'd be left holding the bag and they have a 1:38:40.040 --> 1:38:42.920 you know, basically, what does a margin call? Now, I 1:38:42.960 --> 1:38:44.920 owe all this money that I don't have because I 1:38:45.040 --> 1:38:48.639 borrowed because the my investments, my stocks kept going through 1:38:48.680 --> 1:38:50.439 the roof, and so you just borrow more money and 1:38:50.439 --> 1:38:52.160 get more in debt, and that wiped a lot of 1:38:52.200 --> 1:38:55.320 people out. We have things in place to prevent that 1:38:55.320 --> 1:38:56.559 from happening. Now that's different. 1:38:57.200 --> 1:38:59.040 Yeah, And I think that's exactly what happened in two 1:38:59.040 --> 1:39:01.280 thousand and seven and two thousand eight with the housing crisis, right, 1:39:01.320 --> 1:39:04.680 I mean it's almost identical. People were borrowing, lenders were 1:39:04.680 --> 1:39:07.320 giving them money make no sense, things that right, things 1:39:07.320 --> 1:39:10.320 they couldn't afford, and you know, that's why we had 1:39:10.320 --> 1:39:12.600 a significant collapse then, and that was really hard to 1:39:12.640 --> 1:39:15.680 recover from. And so we continue to put more guardrails 1:39:15.720 --> 1:39:18.799 on that. You know, we we put more stringent lending 1:39:18.840 --> 1:39:21.839 requirements on banks, uh, with a little bit more scrutiny. 1:39:21.880 --> 1:39:24.360 And before that, you know, the lenders were just well 1:39:24.400 --> 1:39:26.080 tell me how much you make? All right, here you go. 1:39:26.160 --> 1:39:31.080 Yeah, yeah, Well that was also precipitated by bad government policy, 1:39:31.720 --> 1:39:34.760 you know. And back then in eight that was precipitated 1:39:34.760 --> 1:39:36.800 about help Obama. Bush had a hand in that too, 1:39:36.840 --> 1:39:39.360 going well, we can't not have people have houses. And 1:39:39.400 --> 1:39:43.240 then of course you had people in communities and the 1:39:43.400 --> 1:39:45.759 like that are affected, going here, we're redlining. You're preventing 1:39:45.800 --> 1:39:47.439 us from getting real estate. And so they just hope 1:39:47.439 --> 1:39:49.200 and said, Okay, we don't want to be labeled as 1:39:49.320 --> 1:39:51.040 racist or classes. 1:39:51.080 --> 1:39:51.920 So here, here's just. 1:39:51.880 --> 1:39:54.240 Take some So what we had is people buying houses 1:39:54.280 --> 1:39:56.519 with no money down. As a matter of fact, one 1:39:56.560 --> 1:39:58.640 of the first deals, because Michelle just got into real 1:39:58.720 --> 1:40:01.400 estate then about a couple of year, Yeah, she had 1:40:01.400 --> 1:40:03.559 a deal. We couldn't figure it out that someone came 1:40:03.600 --> 1:40:05.040 and bought a house and I don't know what the 1:40:05.040 --> 1:40:07.360 house costs. Let's say it was one hundred and fifty 1:40:07.400 --> 1:40:10.719 thousand dollars. They didn't put any money down at closing, 1:40:10.720 --> 1:40:12.880 and a closing they got to check for five thousand 1:40:12.920 --> 1:40:15.680 dollars so they could buy furniture for the house. I'm like, 1:40:16.040 --> 1:40:18.360 how do you buy a house and not put any 1:40:18.360 --> 1:40:21.120 money down? Of course what happened was, you know, we 1:40:21.160 --> 1:40:24.479 had that the stock market that crash with housing and 1:40:24.560 --> 1:40:26.320 now everyone's upside down, and they, because they had no 1:40:26.320 --> 1:40:28.040 skin in the game, would trash the house or just 1:40:28.439 --> 1:40:30.280 leave the keys sitting there and just walk away from it. 1:40:31.680 --> 1:40:34.840 And you know, we I guess that's a example of 1:40:35.400 --> 1:40:37.800 maybe what we've learned from But history always repeats itself. 1:40:37.800 --> 1:40:39.960 It might be in a different fashion. I don't know 1:40:39.960 --> 1:40:42.120 if it's going to be AI or not, but that 1:40:42.200 --> 1:40:45.400 certainly is interesting when you put in historical perspectives. Anyway, 1:40:45.400 --> 1:40:48.519 he's Andy shafferd all Worth Financial. The show is simply 1:40:48.600 --> 1:40:51.639 money tonight at six o'clock on fifty five KR. See 1:40:51.640 --> 1:40:54.400 we'll talk again next Tuesday, Buddy, be well, okay, Scott 1:40:54.439 --> 1:40:56.120 looking forward to it, Yes, sir, you got it. We'll 1:40:56.120 --> 1:40:59.160 get to news and then Willie takes over at twelve 1:40:59.439 --> 1:41:02.600 six Today we've got football coming up Thursday night. All right, 1:41:02.640 --> 1:41:05.479 it's Tuesday Wednesday, two more days. We've got football in NATI. 1:41:05.520 --> 1:41:10.360 The season, the season hinges on the Steelers and the Bengals, 1:41:10.439 --> 1:41:13.280 if they can get it done Thursday night, there's a chance, 1:41:13.400 --> 1:41:16.639 there's a really good chance, if not not so good. 1:41:17.040 --> 1:41:20.160 When's Opening Day? Seven hundred W. Cincinnati