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Speaker 1: From how Stuff works dot com. This podcast is brought
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Speaker 1: to audible podcast dot com slash stuff today for details. Hey,
Speaker 1: welcome to the podcast. I'm Josh. This is Chuck Nothing.
Speaker 1: I'm here, all right? Sorry? Keep it everyone into Spence
Speaker 1: is Chuck here? Well, we need to wear the violence
Speaker 1: of correct um. Chuck. You watch Criminal Minds? I don't.
Speaker 1: Do you watch Private Practice? I don't Biggest Loser? No?
Speaker 1: What about okay? This is the fourth and last network.
Speaker 1: What about Until Death? I've never even heard of it. Okay,
Speaker 1: I watch comedy, so cartoons. Until Death is a comedy.
Speaker 1: But had you watched any of these shows, had you
Speaker 1: been a big fan on Wednesday September, you would have
Speaker 1: been very upset because they were all preempted. I bet
Speaker 1: they were all pre empted already. You're well aware that
Speaker 1: the the economy is in the toilet. All you do,
Speaker 1: all you want to do, is sit back and watch
Speaker 1: your favorite celebrities lose weight, or watch Brad Garrett, you know,
Speaker 1: um tussle verbally with his wife, or you know whatever
Speaker 1: private practice does. I'm not I'm not fully aware practicing
Speaker 1: private things. Exactly. You want to you want to escape
Speaker 1: through these And all of a sudden, here's George Bush
Speaker 1: laying it out there. This is a president who's avoided
Speaker 1: using the word recession in public, and all of a sudden,
Speaker 1: he's basically white knuckling the podium with the presidential seal
Speaker 1: in front, saying we're all gonna die. Maybe he just
Speaker 1: wanted to skip straight to depression just for kicks. I guess,
Speaker 1: you knowid recession go right to the oppression. I don't
Speaker 1: know that he used the word depression now, but he might.
Speaker 1: He may as well have. Right, it was bad. He
Speaker 1: said our entire economy is in danger. Was one quote
Speaker 1: from that very um, you know, great address. Unusual. He
Speaker 1: doesn't usually do this kind of thing, right. I think
Speaker 1: he should have followed that sentence up immediately with with
Speaker 1: good luck to whoever's coming next exactly. Yeah, yeah, so
Speaker 1: long and good luck or whatever? Right? Yeah, uh so
Speaker 1: this is kind of a big deal. And I think
Speaker 1: Bush addressing on a Thursday for no other reason than
Speaker 1: to tell Americans that the economy is in danger, it
Speaker 1: kind of really made it a bigger point. Um. And
Speaker 1: the reason he went on was because he was trying
Speaker 1: to garner public opinion for the Pulse and Plan, also
Speaker 1: known as the seven hundred billion dollar bailout. Ak A,
Speaker 1: just the bailout. I think people are calling it bailout.
Speaker 1: It is and it's not hyphenated for our listeners, it's
Speaker 1: not two words, it's one word. This is this is
Speaker 1: a p right here, Okay, not us um. So he's
Speaker 1: on there, he's talking about the bailout. Why would he care?
Speaker 1: Why would he care what Americans think? I'll tell you why, Chuck,
Speaker 1: You didn't even let me answer, But he's uh, he
Speaker 1: has um. Earlier that week, it looked like Congress was
Speaker 1: going to pass it. Everybody was patting one another on
Speaker 1: the back bipartisan ship. You know, you remember Senate Democrat Republican.
Speaker 1: The leaders are saying, we're passing this right and uh,
Speaker 1: it starts to go into the House and they bring
Speaker 1: it to a vote, and all of a sudden, these
Speaker 1: rank and file Republicans stay just revolt and they're like, hey,
Speaker 1: how about this. We've got another plan and it's nothing
Speaker 1: like yours. So ultimately the House defeats the bill something
Speaker 1: like that. I think it was good exactly that you're
Speaker 1: really good. It's right in front of me, a memory
Speaker 1: like a bear trap there should um okay, So the
Speaker 1: House defeats the bill. It looks like it's sunk. There's people,
Speaker 1: you know, screaming in teror dogs and cats living together
Speaker 1: mass hysteria. Right um, and Bush has already played his
Speaker 1: one ace in the hole by addressing the the nation.
Speaker 1: The only thing next he could do would be like
Speaker 1: to kneecap somebody, maybe a figure skater on public television
Speaker 1: to get our attention. Who would do that, though? I
Speaker 1: don't know. Terrible, terrible. So it looks like the bill
Speaker 1: is defeated, and all of a sudden, here comes the
Speaker 1: Senate on the white Horse exactly. You know, the House
Speaker 1: is usually kind of the the the congressional body that's
Speaker 1: known for shouting down things and you know, trying things
Speaker 1: on the sly, and the Senate is supposed to be
Speaker 1: wise and sedate and calm, and all of a sudden
Speaker 1: they're taking up a failed House bill basically sweetening it,
Speaker 1: like they attached a very popular mental health bill. Did
Speaker 1: you know that now U healthcare providers have to treat
Speaker 1: mental health like they treat physical maladies. Well, that's good. Yeah,
Speaker 1: it is good, which is one of the reasons why
Speaker 1: they put it in this bill. So they passed. There's
Speaker 1: also a lot of pork in there, though. There are
Speaker 1: manufacturers of wooden arrows that I think boy Scouts favor
Speaker 1: get some subsidies out of that. Yeah. Um. And then
Speaker 1: there's the extension of expiring tax breaks for the wealthy,
Speaker 1: although there's also some tax relief for the middle class,
Speaker 1: new tax relief in their right, and I know they
Speaker 1: One important thing that did was raised the fd I
Speaker 1: S S insurance coverage for people's banks accounts. Yeah, which
Speaker 1: is huge because banks like Wacovia and Washington Mutual are
Speaker 1: going under. And I mean these are neighborhood branch commercial
Speaker 1: banks where you keep your money and all of a sudden,
Speaker 1: oh wait, the bank's front door is locked, and you
Speaker 1: know two pm on a Tuesday was one of them. Really,
Speaker 1: not one of the banks, but one of those institutions.
Speaker 1: I'm not going to divulge too much, but Yeah, that's good. Well,
Speaker 1: I'm not going to name my bank either, but I'm
Speaker 1: very confident in it. Recently purchased countrywide um, among other things.
Speaker 1: So I'm feeling pretty good about my bank, which is
Speaker 1: your under your mattress. Knock on wood there. I don't
Speaker 1: want to attempt the gods. Uh So, Okay, the Senate
Speaker 1: takes up the bill and they add the sweeteners, and
Speaker 1: they cough up Senate Amendment fifty five, which is the
Speaker 1: pulse and Plan with the mental Health Bill, the f
Speaker 1: d i C Increase Plan Plus is what I like
Speaker 1: to call it. It's a great name for it. You
Speaker 1: should have called it that. This is the same day
Speaker 1: they passed it, the same day that they took this up, right,
Speaker 1: but the Congress never acts this fast. Even more amazing,
Speaker 1: two days later the House gets it. That day they
Speaker 1: pass it. I think they passed it at like twelve
Speaker 1: thirty and they started deliberating on it at ten in
Speaker 1: the morning. They passed it two and a half hours later. Yeah,
Speaker 1: I wondered when it happened. If no one really knows this, probably,
Speaker 1: but if it was the sweeteners actually, or if the
Speaker 1: House kind of ended up with some egg on their
Speaker 1: face with the first vote and realize said everyone was
Speaker 1: really freaked out by the fact that they defeated it. Well,
Speaker 1: I think number one. I think Bush's address actually did
Speaker 1: have a real impact. I watched a lot of CNN.
Speaker 1: I actually watched CNN live as the House was voting
Speaker 1: on this UM, this amendment and UM. There were a
Speaker 1: lot of congressmen who are congress people who said that
Speaker 1: they switched their vote because the calls that they were
Speaker 1: getting from their office changed from you know, I don't
Speaker 1: like this bailout package to you've got to vote for
Speaker 1: this bailout package. And that actually changed votes. And you
Speaker 1: can probably directly link that to Bush, you know, looking
Speaker 1: very tired and haggard and scared on you know, Wednesday,
Speaker 1: September four. So I think that's one of the reasons
Speaker 1: why the House actually passed. You know, my uncle's a
Speaker 1: former congressman. I should give him a call and see
Speaker 1: what he thinks about the whole thing. Where is he from. Yeah,
Speaker 1: he's a congressman in Tennessee to two or three terms.
Speaker 1: I think that's great. Yeah, good for him. Okay, so
Speaker 1: it passes right, right, and it's actually no longer a
Speaker 1: seven billion dollar bailout, the bailout seven hundred billion, but
Speaker 1: this bill actually hiked it up to an eight hundred
Speaker 1: and ten billion dollar bill. Did you know that? You know,
Speaker 1: I didn't know that all that all that, like it matters.
Speaker 1: And the weird thing is, as taxes these days, you
Speaker 1: you don't you don't really feel a pinch like you
Speaker 1: think about the government showing out seven hundred billion dollars?
Speaker 1: How how how are we going to feel that pinch?
Speaker 1: And you know, actually for every American that's I think
Speaker 1: twenty three hundred dollars a person, every American taxpayer. Non,
Speaker 1: so we're gonna feel a pinch somewhere, or are we.
Speaker 1: Let's get into this bill, Chuck, Let's get into the
Speaker 1: meat up. Let's do it. So you want to you
Speaker 1: want to lead off with what are some of the
Speaker 1: things that are inside? I see by you burying your teeth,
Speaker 1: are you? Are you cool? Well? No, I know that
Speaker 1: it's that one of the things they signed off one
Speaker 1: was an immediate three hundred and fifty billion. They kind
Speaker 1: of did it in stages, which I'm not a I'm
Speaker 1: no economists, but seems to be kind of the smarter
Speaker 1: way to go. Three D fifty billion upfront and taxpayer money,
Speaker 1: and then the new newly created Office of Financial Stability,
Speaker 1: which we hope it ends up living up to its name.
Speaker 1: Another three hundred and fifty I'm sorry, another hundred billion
Speaker 1: after that, and then another two fifty after that. But
Speaker 1: both of those need approval by Congress. Yeah, and I
Speaker 1: think the first one, the hundred billion, has to get
Speaker 1: approval from the House, and the second two fifty billion,
Speaker 1: uh is is contingent upon some approval I think. But
Speaker 1: either way, yeah, Congress has to approve these, and they
Speaker 1: have to. They'll approve them if this whole thing is working.
Speaker 1: I don't see them saying no though. No, I don't either.
Speaker 1: I mean, I think in for three billion right plus,
Speaker 1: it would be it would kind of be a sign that, hey,
Speaker 1: we did the wrong thing by allowing this first three
Speaker 1: hundred and fifty billions. I don't think they would do
Speaker 1: that yet. Yeah, I agree, I agree. So um, like
Speaker 1: he said, this, this bill establishes a brand new office.
Speaker 1: We're gonna have a brand new office, right, like you said,
Speaker 1: the Office of Financial Stability. And this is led by
Speaker 1: the Treasury Secretary, not necessarily Henry Paulson, but whoever is. Well,
Speaker 1: they just named actually yesterday the new bailout chief. Oh
Speaker 1: really who Yeah, you don't even know this? No, yeah,
Speaker 1: his name is Neil kash kash Karai. And this guy
Speaker 1: is thirty five years old, Holy cow. Yeah, and he's
Speaker 1: going to be in charge of doling out the cast.
Speaker 1: He's overseeing the Office of Financial Stability. He was previously
Speaker 1: a vice president of Goldman Sachs and before his career
Speaker 1: in finance, he developed technology for NASA space missions. So
Speaker 1: this guy was clearly doing things in college that I
Speaker 1: wasn't doing. Yeah, thirty five, that's not a very long
Speaker 1: existence that he seems to be sharp guy. Okay, so
Speaker 1: we have a brand new TSAR of Economic Stability. I
Speaker 1: guess fresh fresh meat. And what with this Oh I'll
Speaker 1: bet you he ages twenty years over the next months. Um. So, basically,
Speaker 1: what this guy is going to be in charge of, essentially,
Speaker 1: UH is buying up terrible investments that that you know,
Speaker 1: banks and investment banks and and other kinds of firms
Speaker 1: have on their hands. What a weird job. It is
Speaker 1: a weird job. It's never been done before as far
Speaker 1: as I know. Basically, there's certain types of investments that
Speaker 1: can be bought, and all of them are related to mortgages.
Speaker 1: You've got like mortgage backed securities. UM. I think collateral
Speaker 1: debt obligations would be purchased under this and mortgages themselves,
Speaker 1: which I thought was kind of cool. Yeah, because this
Speaker 1: is actually one way that it could directly benefit a homeowner.
Speaker 1: One of the provisions in this act is that when
Speaker 1: this guy what's his name again, uh Neil kash Karai
Speaker 1: or Kashkari, I'm not sure you pronounce it, let's call
Speaker 1: him Kashkari, Okay, when Kashkari is negotiating with these investment
Speaker 1: banks and other people to purchase their bad securities. UM,
Speaker 1: he's going to try to force down their throat restructuring
Speaker 1: of of the mortgages the hope for a Homeowners Act. Yeah. Now,
Speaker 1: the big problem with that and what it is is,
Speaker 1: it's it's it's basically congressional support for restructuring loans, knocking
Speaker 1: down the principle, which is pretty radical. You borrow four
Speaker 1: hundred thousand for a house you can't afford it, and
Speaker 1: all of a sudden, we're just gonna pretend like you
Speaker 1: only borrow two hundred thousands. That's huge. The thing is
Speaker 1: is it's it's a it's a voluntary program. I think
Speaker 1: you probably get, like you know, tax rebates or right
Speaker 1: off if you're a company or a lender that engages
Speaker 1: in this um, but you can't force anybody to do it.
Speaker 1: If the US government actually owns your mortgage, chances are
Speaker 1: they're going to be very hesitant about foreclosing on you.
Speaker 1: Number one, that's just a huge pain. But number two, um,
Speaker 1: they actually have a vested interest then to keep you
Speaker 1: in your house, right, Okay, the reason being the if
Speaker 1: they can stem the tide of foreclosures, then the market
Speaker 1: starts to come back up, and these mortgage backed securities
Speaker 1: and mortgages themselves increase in value all of a sudden
Speaker 1: They're worth more and the plan works. Right, So if
Speaker 1: if the government buys your mortgage, you should probably thank
Speaker 1: your lucky stars. Right then this is all This is
Speaker 1: all theoretical. None of it's been put into practice yet, right,
Speaker 1: which is I think why a lot of people are
Speaker 1: kind of nervous about this bail All right, Right, I know,
Speaker 1: I am, I do know that that foreclosures Actually nobody
Speaker 1: wins in foreclosure. It's not like because I did some reason.
Speaker 1: Actually I wrote an article on it last year. And
Speaker 1: it's not like banks foreclosed on people and they're just
Speaker 1: we kick you out of the house. Banks lose money too.
Speaker 1: But you know, like we've mentioned before, the mortgage back
Speaker 1: mortgage backed securities. Sometimes the banks don't even own that house.
Speaker 1: They turn around and sell it to securities and it
Speaker 1: gets fractured off. And so maybe that's kind of where
Speaker 1: the problem is starting. Well, you know who does win
Speaker 1: in a foreclosure. Someone who's renting right now. If you
Speaker 1: are a renter and you don't buy in this in
Speaker 1: this climate, you're you're a total sucker. Yeah, it's probably
Speaker 1: good time to buy. Oh, it's an excellent time to buy.
Speaker 1: It's like a fire sale out there. I've said it before,
Speaker 1: I'll say it again. Get your act together, buddy, get
Speaker 1: in a house. Yeah. Thanks. Okay, So that's not the
Speaker 1: only thing that this this cash car he's going to
Speaker 1: be doing. This guy's got a lot of responsibility. I'm
Speaker 1: not sure he's he knows what he's getting into. And frankly,
Speaker 1: I have to say I find a little fishy that
Speaker 1: Henry Paulson is one of the former high level executive
Speaker 1: at Goldman Sacks and he taps this guy from Goldman Sacks. Yeah,
Speaker 1: and you could say, well, he knows him, he's worked
Speaker 1: with them, he had, he respects him. But I believe
Speaker 1: he already know that. I like one investment bank being
Speaker 1: so entrenched in this bail act. Actually I think he
Speaker 1: actually worked in the office in the Treasury office. Uh,
Speaker 1: he was previously with Goldman Sacks. But you know, I
Speaker 1: know what you mean. I got you his influence. Is
Speaker 1: he like Paulson's protege or something? I don't know. Yeah, Okay,
Speaker 1: So there's other things that cash Car is going to
Speaker 1: be in charge of, like, um, when when the government
Speaker 1: purchases three million dollars or more of bad investments from
Speaker 1: a lender whoever, Um, they're automatically, they automatically take a
Speaker 1: warrant in your company. This is a non voting block
Speaker 1: of shares, just common stock shares, right, And this is
Speaker 1: actually really ingenious, Chuck. You want to tell everybody why,
Speaker 1: Well I don't know why. Let me tell you why.
Speaker 1: All right, You're you're the econ mask. This is straight
Speaker 1: from Coshkari to me to you. Okay, Uh, actually that's
Speaker 1: not true at always should probably cut that part out.
Speaker 1: The reason why it's such an ingenious UH provision is
Speaker 1: because no one has any idea how how to value
Speaker 1: these mortgage backed securities. I read an article with the
Speaker 1: guy who who is like this expert at valuing a
Speaker 1: stock that you found in like your grandfather's closet from
Speaker 1: nineteen twenty three or something. This guy could value. This
Speaker 1: guy and everyone else is totally lost at at properly
Speaker 1: valuing mortgage backed securities and c D e O s
Speaker 1: and and just all these other bad investments. Right, So
Speaker 1: whatever the government, whatever price the government sets to buy
Speaker 1: these at, it could be way too low. So if
Speaker 1: you are a company selling this to the government and
Speaker 1: you end up experiencing a windfall profit from the sale,
Speaker 1: which you're not supposed to be, the government's covered on
Speaker 1: the back side because they own shares in your company. Now,
Speaker 1: so if you experience a profit, your your price per
Speaker 1: share rises, and the government gets something out of it
Speaker 1: because they own those shapes, and in theory, ultimately the taxpayer,
Speaker 1: it would come back to us. I'm not holding their breath,
Speaker 1: but what we want is for this bailout to work. Yeah,
Speaker 1: and and technically it could work. I mean, if you
Speaker 1: think about it, right, If the government meant buys up
Speaker 1: seven hundred billion dollars worth worth of mortgage backed securities
Speaker 1: or mortgages or whatever, and all of a sudden the
Speaker 1: market stabilizes because of it, and maybe over the course
Speaker 1: of a couple of years, maybe a decade, who knows,
Speaker 1: the market comes back into full swing. These things don't
Speaker 1: just disappear. They don't just vanish. The government is not
Speaker 1: going to take these these securities and throw them in
Speaker 1: a furnace. They're gonna sit on them. Basically, I think
Speaker 1: it's Bush put it there. The the U. S. Government's
Speaker 1: the only institution large enough to buy these and sit
Speaker 1: on them for a while. Um And then once the
Speaker 1: marketiz it's these things increase in value when the government
Speaker 1: sells them. And and if they sell them well and
Speaker 1: not flood the market with these things, then we should
Speaker 1: as taxpayers see a windfall from that. I mean, even
Speaker 1: if if the combined value of all these things double,
Speaker 1: then not all of them are worthless. There are some
Speaker 1: good mortgage backed securities out there still, but they just
Speaker 1: have a bad name and no one wants them when
Speaker 1: they increase in value. I mean, even if they double,
Speaker 1: that's one point four trillion dollars from from the sale. Uh,
Speaker 1: and half of that being pure profit. That would be
Speaker 1: pretty good. It was whether that happens or not, it
Speaker 1: remains to be seen. You know, what I think would
Speaker 1: be interesting as if all of a sudden they put
Speaker 1: out this big plan. Buch says, we're the only people
Speaker 1: institution big enough to do this, and all of a sudden,
Speaker 1: like Bill Gates and Warren Buffetts stroll up behind him
Speaker 1: and say, not so fast, We've got our own plan,
Speaker 1: and they just bought up, you know, eight hundred billion
Speaker 1: dollars worth of bad investments. Well, Warren Buffett has been
Speaker 1: on a buying spree right now. Of course, it's not
Speaker 1: just it's not just a good time to buy a
Speaker 1: house or for closed house. It's a good time to
Speaker 1: buy stocks. Yeah. So again, it's like fire sale out there.
Speaker 1: It's crazy. But yeah, apparently from what I understand from
Speaker 1: watching the recent second presidential debate is that Obama may
Speaker 1: tap Warren Buffett for Treasury secretary. You know, I would
Speaker 1: be all for it. It makes a lot of sense. Yeah. So, uh,
Speaker 1: anything else in this provision, maybe of the Golden parachute. Yeah,
Speaker 1: that's the one thing that I know probably made a
Speaker 1: lot of people feel a little bit better. Is the
Speaker 1: gold the famous golden parachute. A lot of times when
Speaker 1: companies go under, like the big end run thing, you remember,
Speaker 1: the executives are the ones that come out on top
Speaker 1: and the investors lose all their money. These executives get
Speaker 1: these huge payouts at the end and just kind of
Speaker 1: sneak out the back door and buy their island and
Speaker 1: you know in the in Bermuda and uh, I know
Speaker 1: this calls for no golden parachutes. Um, these big multimillion
Speaker 1: dollar severance packages are not gonna happen. No, and specifically
Speaker 1: your top five executives. Any any salary over five grand
Speaker 1: can't be deducted as an expense um. So that in
Speaker 1: theory should limit companies from doing it. There's some problems
Speaker 1: with that, though, what's that that's just your top five executives.
Speaker 1: Another problem with it is that the cap there's already
Speaker 1: a cap that exists, but it's a one million. You
Speaker 1: can't you can't deduct any salary over one million. So really,
Speaker 1: for a major company, all it's gonna be is two
Speaker 1: point five million and lost deductions, which is nothing. A
Speaker 1: second problem The other problem, this is the biggest problem.
Speaker 1: There is no provision in the Golden Parachute clause of
Speaker 1: this law, the bailout bill UM that says anything about
Speaker 1: stock options. So think about it. You let a you
Speaker 1: let an outgoing ceo go, You're like you, you did
Speaker 1: a terrible job managing. But here, take all these stock options, right,
Speaker 1: We're going to value them at today's terrible market price.
Speaker 1: Just hold off a couple of years. The market is
Speaker 1: gonna come back and you you cash in your options
Speaker 1: and you're you're just richer than an astronaut. Right that
Speaker 1: that's I'm glad you said that, because I didn't even
Speaker 1: know that. But that's what I was just about to say,
Speaker 1: is the way these guys operate, I had a feeling
Speaker 1: there's there's always some back door where they get there's yeah,
Speaker 1: and and they will There's not gonna be any way
Speaker 1: of going around it. The the only thing I think, uh,
Speaker 1: that that we can hope for is that there should
Speaker 1: be widespread investigation and probably you know, criminal lawsuits against
Speaker 1: a lot of the people who are running the show. Yeah,
Speaker 1: I think this will be under the microscope more than
Speaker 1: other little quieter bills that go through so I think
Speaker 1: so too. So if you want to know anything more
Speaker 1: about this, I would strongly recommend you exercise your civic
Speaker 1: duty and read how will the government spend the seven
Speaker 1: hundred billion dollar bailout funds? On how stuff works dot
Speaker 1: com and stick around to find out one more reason
Speaker 1: why you shouldn't wear a bluetooth headset. But first chuck
Speaker 1: a message from our sponsor, Josh. What's the first reason
Speaker 1: that you shouldn't wear a bluetooth headset? I know you
Speaker 1: don't like the way awkward fashioned. Look, I'm just gonna
Speaker 1: say it. It's my personal opinion. I know a lot
Speaker 1: of people like your style right out of the Preppy Handbook,
Speaker 1: if I may say so, I do my best, which
Speaker 1: is good. This is a good book. My sister used
Speaker 1: to have that when I was growing too. Yeah, I
Speaker 1: did you really? Yeah? I used to read it on
Speaker 1: the john. It's very cool. It's a cool book, if
Speaker 1: I remember correctly. She also had how to speak like
Speaker 1: a valley girl. I think, yeah, let's skip that one
Speaker 1: for sure. Yeah, that's probably for the best. Uh So. Yeah.
Speaker 1: The name of the article is how Bluetooth surveillance works,
Speaker 1: and apparently, if you wear these things, people know where
Speaker 1: you are, So how Chuck, Well, Uh, if if you
Speaker 1: have a Bluetooth headset and you have it turned on
Speaker 1: UM for my understanding, you can get blue jacked. Is
Speaker 1: that right? Blue jacking? Yeah, blue jacking is the term.
Speaker 1: And uh, it admits a signal and people other people
Speaker 1: of Bluetooth can actually tell where you are. So you're
Speaker 1: you're into privacy. And if you're into privacy, make sure
Speaker 1: you read how Bluetooth surveillance works on how stuff works
Speaker 1: dot com for more on this and thousands of other topics.
Speaker 1: Is that how stuff works dot com. Let us know
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