WEBVTT - Front Page News: Canada Wildfires Cover NYC Areas Causing Toxic Air Quality

0:00:00.000 --> 0:00:03.800
<v Speaker 1>Good morning, Everybody's DJ NV, Charlamage's gud we are to

0:00:03.880 --> 0:00:06.360
<v Speaker 1>breakfast club. Of course, we got our guest go hosts

0:00:06.360 --> 0:00:08.799
<v Speaker 1>called los Milla and nav Green and let's get in

0:00:08.840 --> 0:00:11.639
<v Speaker 1>some front page news wan to tak.

0:00:11.400 --> 0:00:14.239
<v Speaker 2>Good Morning, DJ Envy and eighty five South in the bill.

0:00:14.280 --> 0:00:15.120
<v Speaker 2>That's Charlemagne the.

0:00:15.120 --> 0:00:18.400
<v Speaker 3>God peten a listen now, yeah, yeah, let's get right

0:00:18.480 --> 0:00:18.759
<v Speaker 3>into it.

0:00:18.760 --> 0:00:20.760
<v Speaker 4>He luggage won last night one on nine ninety four.

0:00:20.760 --> 0:00:22.960
<v Speaker 4>They beat the heat. They leave the series to one,

0:00:23.840 --> 0:00:24.840
<v Speaker 4>and let's jump into it.

0:00:24.880 --> 0:00:28.920
<v Speaker 1>The debt ceiling deal gives a deadline on student loan repayment.

0:00:28.920 --> 0:00:30.440
<v Speaker 1>Why don't they just take care of all student loans.

0:00:30.480 --> 0:00:32.519
<v Speaker 1>Let all the kids just go to college for free.

0:00:33.000 --> 0:00:35.279
<v Speaker 2>Yeah, well, that's what the progressives have been asking for,

0:00:35.400 --> 0:00:38.360
<v Speaker 2>will continue to ask for repeatedly, but they're being ignored unfortunately.

0:00:38.360 --> 0:00:41.320
<v Speaker 2>But for more than three years, tens of millions of

0:00:41.360 --> 0:00:44.440
<v Speaker 2>federal student loan debt holders haven't had to think about

0:00:44.440 --> 0:00:47.680
<v Speaker 2>paying for those student loans. But that is ending very soon.

0:00:47.760 --> 0:00:51.120
<v Speaker 2>So you guys, remember that the debt ceiling deal negotiated

0:00:51.120 --> 0:00:54.280
<v Speaker 2>between President Joe Biden and House Speaker Kevin McCarthy.

0:00:53.840 --> 0:00:55.880
<v Speaker 4>That they just negotiated up was about a week or

0:00:55.920 --> 0:00:56.280
<v Speaker 4>so ago.

0:00:56.880 --> 0:00:58.720
<v Speaker 2>One of the things that came out of that is

0:00:59.200 --> 0:01:02.680
<v Speaker 2>now millions of former students will have to repay their

0:01:02.720 --> 0:01:06.039
<v Speaker 2>loans again in August. Now, as a side note, a

0:01:06.080 --> 0:01:08.920
<v Speaker 2>partial loan forgiveness of speaking to your point, DJ Envy

0:01:09.240 --> 0:01:11.920
<v Speaker 2>is currently waiting for the ruling in the Supreme Court,

0:01:12.440 --> 0:01:15.039
<v Speaker 2>so we should know something on that by June thirtieth.

0:01:15.280 --> 0:01:18.679
<v Speaker 2>But depending on how that goes, you basically need to

0:01:18.680 --> 0:01:22.080
<v Speaker 2>prepare to pay those student loans again starting on August

0:01:22.120 --> 0:01:25.600
<v Speaker 2>twenty ninth. So the bottom line is the payments are

0:01:25.600 --> 0:01:27.280
<v Speaker 2>starting to be you know, they're going to come back.

0:01:27.319 --> 0:01:29.480
<v Speaker 2>It came from the COVID relief called a lot of

0:01:29.560 --> 0:01:31.679
<v Speaker 2>COVID relief funds, and people need to start preparing to

0:01:31.720 --> 0:01:34.240
<v Speaker 2>pay that payment again. I've been paying mine all along

0:01:34.240 --> 0:01:36.959
<v Speaker 2>because I knew it wasn't gonna last, But start preparing.

0:01:37.160 --> 0:01:38.520
<v Speaker 4>I don't think everybody should pay it.

0:01:38.800 --> 0:01:41.160
<v Speaker 3>I think like, if they've been waiting this loan and

0:01:41.160 --> 0:01:43.760
<v Speaker 3>they've been stalling them out, we just got to collectively

0:01:43.840 --> 0:01:46.160
<v Speaker 3>not pay them all together, so they'll just keep rolling

0:01:46.160 --> 0:01:46.520
<v Speaker 3>it over.

0:01:47.640 --> 0:01:52.480
<v Speaker 4>That might work it efect, I mean that's how we

0:01:52.480 --> 0:01:52.760
<v Speaker 4>got it.

0:01:52.880 --> 0:01:55.800
<v Speaker 1>Yeah, is that affect your credit though, right, even though

0:01:55.920 --> 0:01:57.320
<v Speaker 1>you ain't paying your loan. But then when you try

0:01:57.320 --> 0:01:59.360
<v Speaker 1>to buy something else a house or washer, and drive

0:01:59.400 --> 0:02:02.200
<v Speaker 1>from seerst buy a house anyway, now exactly, you don't.

0:02:02.000 --> 0:02:03.920
<v Speaker 4>Have enough money to pay the student loan. You can't

0:02:03.920 --> 0:02:04.640
<v Speaker 4>pay the mortgage.

0:02:05.040 --> 0:02:06.960
<v Speaker 5>They always say that about your credit, say you won't

0:02:06.960 --> 0:02:08.600
<v Speaker 5>be able to buy something you can't afford anyway.

0:02:08.680 --> 0:02:10.840
<v Speaker 1>Nobody cares, right, you're not using it.

0:02:13.240 --> 0:02:14.840
<v Speaker 4>They won't give us no credit anyway.

0:02:15.080 --> 0:02:17.440
<v Speaker 3>We say that if you're not using your degree, you

0:02:17.440 --> 0:02:18.760
<v Speaker 3>shouldn't have to pay it anyway.

0:02:19.320 --> 0:02:21.440
<v Speaker 4>If you didn't graduate, you shouldn't have to pay. I

0:02:21.480 --> 0:02:23.799
<v Speaker 4>did too semester. I been knew I wasn't gonna pay.

0:02:24.040 --> 0:02:26.760
<v Speaker 5>Hey, that's a point I never thought about you. If

0:02:26.800 --> 0:02:28.959
<v Speaker 5>you if you if you got a degree in something

0:02:29.000 --> 0:02:31.480
<v Speaker 5>but you can't get a job, right, you shouldn't you

0:02:31.480 --> 0:02:32.800
<v Speaker 5>really should have to pay. But if you got a

0:02:32.840 --> 0:02:34.919
<v Speaker 5>degree and you get a job in that field, then

0:02:34.919 --> 0:02:36.560
<v Speaker 5>you should probably have to pay it back.

0:02:37.200 --> 0:02:40.160
<v Speaker 2>And I'll be should have to pass it on over

0:02:40.200 --> 0:02:44.120
<v Speaker 2>to the house. I don't think like that, but just

0:02:44.440 --> 0:02:46.519
<v Speaker 2>because I know we have a lot of those conversations

0:02:46.560 --> 0:02:48.240
<v Speaker 2>about what do you use a degree for? And I

0:02:48.320 --> 0:02:50.799
<v Speaker 2>just want to say, when I own the staff infirm

0:02:50.840 --> 0:02:52.800
<v Speaker 2>had three hundred employees, a lot of times the degree

0:02:52.840 --> 0:02:54.520
<v Speaker 2>is not a lot of people don't get degrees in

0:02:54.520 --> 0:02:57.400
<v Speaker 2>their field, but employers do. Look at a degree is

0:02:57.400 --> 0:02:59.800
<v Speaker 2>more than just what you're specializing in, but more so

0:03:00.000 --> 0:03:02.200
<v Speaker 2>are you able to complete a large project? You know,

0:03:02.240 --> 0:03:04.320
<v Speaker 2>were you able to start something and go all the

0:03:04.320 --> 0:03:06.560
<v Speaker 2>way you know, to the end one hundred and twenty

0:03:06.600 --> 0:03:10.120
<v Speaker 2>hours or so. So degrees are not always necessarily your discipline,

0:03:10.800 --> 0:03:13.240
<v Speaker 2>meaning what you specialize in, but also look at you know,

0:03:13.320 --> 0:03:16.079
<v Speaker 2>can you start and complete a project. So really, college

0:03:16.080 --> 0:03:19.560
<v Speaker 2>degrees now are looked at as high school diplomas to

0:03:19.600 --> 0:03:22.160
<v Speaker 2>a lot of employers. But to your point, if you're

0:03:22.160 --> 0:03:25.000
<v Speaker 2>not using it, why I still have to pay, you know,

0:03:25.080 --> 0:03:29.320
<v Speaker 2>fifty sixty thousand dollars in student loan debt. But I

0:03:29.320 --> 0:03:32.520
<v Speaker 2>did want to unpack quickly of the Supreme Court ruling

0:03:32.560 --> 0:03:36.040
<v Speaker 2>so people know the difference. June thirtieth, again, that is

0:03:36.080 --> 0:03:38.800
<v Speaker 2>in the Supreme Court, that is where Joe Biden did

0:03:38.880 --> 0:03:42.120
<v Speaker 2>ass to counsel twenty thousand dollars of student loans for

0:03:42.160 --> 0:03:46.240
<v Speaker 2>about forty four million Americans. So that's held up the

0:03:46.320 --> 0:03:48.880
<v Speaker 2>Supreme Court right now. But this is what I'm talking

0:03:48.880 --> 0:03:52.440
<v Speaker 2>about on the palls of the student palls. The student

0:03:52.760 --> 0:03:56.000
<v Speaker 2>dead palls came out of the COVID Emergency Relief Fund,

0:03:56.040 --> 0:03:59.040
<v Speaker 2>so two totally different things. With a conservative leaning court,

0:03:59.080 --> 0:04:02.760
<v Speaker 2>I don't until to pay them forgiving those loans. So again,

0:04:02.960 --> 0:04:05.440
<v Speaker 2>just prepare to start paying that loan again in office.

0:04:05.480 --> 0:04:07.840
<v Speaker 4>God bless everybody about to get another bill, you know

0:04:07.880 --> 0:04:09.400
<v Speaker 4>what I mean. And I just want to tell people.

0:04:09.400 --> 0:04:10.960
<v Speaker 1>If you're out there and you're about to get married

0:04:11.000 --> 0:04:13.440
<v Speaker 1>and your spouse or your husband has a student loan,

0:04:13.760 --> 0:04:15.200
<v Speaker 1>that automatically connects you.

0:04:15.640 --> 0:04:17.359
<v Speaker 4>So what you're saying, you're trying to discourage marriage.

0:04:17.360 --> 0:04:18.600
<v Speaker 1>And I'm just telling people that because a lot of

0:04:18.600 --> 0:04:20.000
<v Speaker 1>people don't know, and that when you get married and

0:04:20.000 --> 0:04:21.520
<v Speaker 1>you think you're getting your income tax back and then

0:04:21.520 --> 0:04:23.320
<v Speaker 1>you don't get your income tax back because the government

0:04:23.320 --> 0:04:24.200
<v Speaker 1>takes it and puts it towards you.

0:04:25.000 --> 0:04:27.440
<v Speaker 4>That's that happens. You stay back with you.

0:04:29.360 --> 0:04:29.680
<v Speaker 2>Married.

0:04:29.760 --> 0:04:32.000
<v Speaker 4>I want to people to get a deferment if you can.

0:04:32.279 --> 0:04:33.719
<v Speaker 2>I'll break this down a little bit deeper on my

0:04:33.760 --> 0:04:35.960
<v Speaker 2>podcast this week, because there are a couple of things

0:04:35.960 --> 0:04:37.279
<v Speaker 2>that I do want people to know that we don't

0:04:37.279 --> 0:04:39.839
<v Speaker 2>have time to get into. But you can get deferments,

0:04:39.920 --> 0:04:42.080
<v Speaker 2>you can get you know, say that you're not able

0:04:42.120 --> 0:04:44.440
<v Speaker 2>to pay. There's ways that you can kind of extend that.

0:04:44.520 --> 0:04:46.320
<v Speaker 2>And you can always go back to school name as

0:04:46.360 --> 0:04:47.480
<v Speaker 2>well and get another degree.

0:04:47.960 --> 0:04:49.599
<v Speaker 4>Man, go get a trade. Man, Go learn to do

0:04:49.640 --> 0:04:53.240
<v Speaker 4>something with your hands, mechanic age back. You know what

0:04:53.240 --> 0:04:54.960
<v Speaker 4>I'm saying, Go learn the trade.

0:04:55.440 --> 0:04:59.479
<v Speaker 5>That's that's translate in the money fast, that's for the settlement.

0:05:00.880 --> 0:05:02.640
<v Speaker 3>You know what. They called him like you got some money,

0:05:02.800 --> 0:05:04.640
<v Speaker 3>you'd be like, look how much is to get rid

0:05:04.680 --> 0:05:08.520
<v Speaker 3>of today? Hold on and they'll put you a whole

0:05:08.560 --> 0:05:10.120
<v Speaker 3>and they'll come back and they'll be like, look, we're

0:05:10.120 --> 0:05:10.560
<v Speaker 3>working down.

0:05:10.640 --> 0:05:12.080
<v Speaker 4>They break it down. You owe us.

0:05:12.040 --> 0:05:14.640
<v Speaker 3>Fourteen thousand, but if you make a payment for seven

0:05:14.720 --> 0:05:21.040
<v Speaker 3>to fifty a day, we'll just speaking money.

0:05:21.160 --> 0:05:22.920
<v Speaker 2>I don't want to give you that story in because

0:05:22.920 --> 0:05:25.320
<v Speaker 2>I've been pushing it off the last couple of days

0:05:25.320 --> 0:05:27.720
<v Speaker 2>because we've had more important stories. But this is important

0:05:27.720 --> 0:05:29.280
<v Speaker 2>because it's not a day that goes by that somebody

0:05:29.360 --> 0:05:31.680
<v Speaker 2>doesn't call in talking about cash out. I want to

0:05:31.680 --> 0:05:34.760
<v Speaker 2>give you guys a notice from the Consumer Financial Protection Bureau.

0:05:34.839 --> 0:05:38.800
<v Speaker 2>They said that do not hold your money in PayPal,

0:05:38.880 --> 0:05:42.360
<v Speaker 2>cash AFT, Vemo for an extended period of time. They

0:05:42.360 --> 0:05:45.600
<v Speaker 2>said that it could possibly be at risk during a crisis,

0:05:45.600 --> 0:05:47.640
<v Speaker 2>and what we're looking at now New York could possibly

0:05:47.640 --> 0:05:53.120
<v Speaker 2>be a crisis. So the alert is coming. Yeah, the

0:05:53.160 --> 0:05:56.240
<v Speaker 2>alert is coming from the Silicon Valley Bank when they

0:05:56.360 --> 0:05:58.440
<v Speaker 2>just had you know, all of the issues with the bank.

0:05:58.880 --> 0:06:01.359
<v Speaker 2>They're saying that that money in your cash app is

0:06:01.360 --> 0:06:04.320
<v Speaker 2>not insured. So they have issued of warnings saying basically,

0:06:04.400 --> 0:06:06.080
<v Speaker 2>don't leave it over the sitting there for a long

0:06:06.120 --> 0:06:09.159
<v Speaker 2>period of time. Now cash app has responded saying, no,

0:06:09.240 --> 0:06:10.640
<v Speaker 2>your money is all good with us. We don't know

0:06:10.680 --> 0:06:16.599
<v Speaker 2>what they're talking about. So I'm just letting you financial protection. Yeah,

0:06:17.080 --> 0:06:19.480
<v Speaker 2>you take the money out, just guys. So as you know,

0:06:20.000 --> 0:06:22.960
<v Speaker 2>cash it's not a bank. According to you know, the

0:06:23.000 --> 0:06:26.320
<v Speaker 2>consumer finance protection, that money is not insured, you know,

0:06:26.560 --> 0:06:29.240
<v Speaker 2>so if something happens, you might lose lose your bread

0:06:29.320 --> 0:06:29.960
<v Speaker 2>and what that means.

0:06:30.040 --> 0:06:33.880
<v Speaker 4>Keep money in cash because.

0:06:31.560 --> 0:06:36.200
<v Speaker 2>I'm everybody don't have you know, like account, so they'll

0:06:36.240 --> 0:06:38.479
<v Speaker 2>just keep their money and cash app and get money

0:06:38.520 --> 0:06:40.080
<v Speaker 2>put in and pay everything from there.

0:06:40.160 --> 0:06:44.440
<v Speaker 1>Yeah, instead of you transmit it to stays in your

0:06:44.480 --> 0:06:47.880
<v Speaker 1>cash account and it out like you know you yeah,

0:06:47.880 --> 0:06:50.920
<v Speaker 1>it's your easier problem, especially for those.

0:06:50.720 --> 0:06:53.360
<v Speaker 2>Who are not interested in having you know, money ain't tracked.

0:06:53.760 --> 0:06:57.320
<v Speaker 2>You know the billers h but you know people don't.

0:06:57.320 --> 0:07:00.520
<v Speaker 2>Everybody don't have their big.

0:06:59.600 --> 0:07:02.279
<v Speaker 4>Deal to send money through cash. Dealing with the cash

0:07:02.520 --> 0:07:05.000
<v Speaker 4>you're going to prison right now. And what if they

0:07:05.160 --> 0:07:07.159
<v Speaker 4>put the four four to three five.

0:07:10.320 --> 0:07:12.440
<v Speaker 3>But when she said cash app is not a bank,

0:07:12.520 --> 0:07:14.720
<v Speaker 3>I heard somebody from cash saying that's cap.

0:07:16.560 --> 0:07:18.000
<v Speaker 4>It's a major problem with cash ap.

0:07:19.040 --> 0:07:20.920
<v Speaker 1>There's no phone number for them, so if there's an

0:07:21.000 --> 0:07:23.200
<v Speaker 1>issue of problem, you can't even get anybody on the man.

0:07:23.960 --> 0:07:26.360
<v Speaker 4>I said, somebody the wrong I said somebody else.

0:07:26.440 --> 0:07:28.720
<v Speaker 1>I think, like seven thousand dollars somebody I thought you

0:07:28.760 --> 0:07:32.720
<v Speaker 1>meant to cash out. They were in another city and

0:07:32.760 --> 0:07:34.200
<v Speaker 1>they were doing work on the on the house that

0:07:34.240 --> 0:07:35.720
<v Speaker 1>I had, so I sent them the money.

0:07:35.720 --> 0:07:38.120
<v Speaker 4>But it was like one number off or you rich,

0:07:38.400 --> 0:07:42.920
<v Speaker 4>that's real, you wouldn't use PayPal, I use it. It was

0:07:43.000 --> 0:07:44.120
<v Speaker 4>cash app. I think it was he.

0:07:44.120 --> 0:07:46.760
<v Speaker 2>Had to at least PayPal got a little bit of tracking.

0:07:46.800 --> 0:07:49.240
<v Speaker 2>But PayPal and cash ap are actually connected to the

0:07:49.280 --> 0:07:51.360
<v Speaker 2>same organization, which I didn't know.

0:07:51.560 --> 0:07:54.240
<v Speaker 4>So wow, so there is no numbers.

0:07:54.240 --> 0:07:55.640
<v Speaker 1>If you're trying to get your money back, or you

0:07:55.640 --> 0:07:57.600
<v Speaker 1>send money to the wrong person, it's hard to get back.

0:07:57.640 --> 0:07:59.720
<v Speaker 1>I actually I got it back, but it took a

0:07:59.720 --> 0:08:01.920
<v Speaker 1>long time, and I had to scream and shout and

0:08:01.960 --> 0:08:06.280
<v Speaker 1>get on this radio with seventy dollars, I double checked

0:08:06.320 --> 0:08:07.200
<v Speaker 1>by eight times.

0:08:07.200 --> 0:08:09.280
<v Speaker 4>I was likened it from me.

0:08:11.040 --> 0:08:12.960
<v Speaker 1>Yeah, but that was it was so long. But that

0:08:13.080 --> 0:08:14.960
<v Speaker 1>was before the request. It wasn't a request at that time.

0:08:15.000 --> 0:08:16.360
<v Speaker 1>It was you just have to you know. And then

0:08:16.400 --> 0:08:19.240
<v Speaker 1>somebody had stupid numbers. It was eight three two four

0:08:19.360 --> 0:08:21.400
<v Speaker 1>dollars sign sixty nine two and I had.

0:08:21.240 --> 0:08:25.800
<v Speaker 4>One mobody something seven thousand coming. Hey we are somebody

0:08:25.880 --> 0:08:27.560
<v Speaker 4>requested four hundred from me right now.

0:08:29.040 --> 0:08:32.240
<v Speaker 5>Somebody named Levos Kids is requesting four hundred from right now.

0:08:32.360 --> 0:08:35.880
<v Speaker 4>Let me let me you ain't getting it all goodness,

0:08:36.120 --> 0:08:38.600
<v Speaker 4>all right, well that is your front page news. Thank you.

0:08:38.679 --> 0:08:42.560
<v Speaker 4>Test absolutely God be working. But immag just sent me

0:08:42.320 --> 0:08:48.400
<v Speaker 4>here listening. I just won the trivia. I just won

0:08:48.480 --> 0:08:48.880
<v Speaker 4>the tribun