WEBVTT - Friday Flight - Executive Order Confusion & Traveling Again #240 0:00:00.080 --> 0:00:02.640 Welcome to How the Money. I'm Joel and I and 0:00:02.759 --> 0:00:27.560 Matt and today we're discussing executive order confusion and traveling again. Yeah, buddy, 0:00:27.680 --> 0:00:30.440 this is our Friday Flight episode where every week we 0:00:30.560 --> 0:00:33.000 talk about the headlines and the news, because we want 0:00:33.040 --> 0:00:36.479 to make sure we are discussing how these different news stories, 0:00:36.920 --> 0:00:38.839 the different changes that are happening in our country, how 0:00:38.880 --> 0:00:41.400 they are affecting our money, our personal finances. And so 0:00:41.400 --> 0:00:43.200 we're gonna talk about the two that you mentioned, plus 0:00:43.240 --> 0:00:45.720 a few others, you know, medium size story as well 0:00:45.760 --> 0:00:47.760 as some small ones. You know, they're not all these 0:00:47.760 --> 0:00:50.760 big dramatic stories, but we like to talk about all 0:00:50.760 --> 0:00:52.760 the stuff out there. Yeah, a lot of interesting stuff 0:00:52.800 --> 0:00:54.800 out there this week, And we talked about the stuff 0:00:54.840 --> 0:00:56.720 that we care about, right, because there are some some 0:00:56.800 --> 0:01:00.320 even bigger stories, right, in particular, bigger political stories. There's 0:01:00.360 --> 0:01:02.960 a much right Yeah, vice presidential pick for Joe Biden, 0:01:03.000 --> 0:01:04.560 But we don't talk about that stuff on the show. Yeah, 0:01:04.640 --> 0:01:07.360 less about politics, I mean less about health as well. 0:01:07.400 --> 0:01:09.160 I feel like even when we do talk about COVID, 0:01:09.319 --> 0:01:11.920 it's specific to you know, our money, because that's what 0:01:11.959 --> 0:01:13.600 we talked about here. Man. We are how some money, 0:01:13.880 --> 0:01:15.680 and actually, man on that note, you know, last week 0:01:15.720 --> 0:01:18.480 we were just talking about new cell phones and I 0:01:18.520 --> 0:01:20.440 was kind of bragging a little bit about how great 0:01:20.480 --> 0:01:22.880 my old school iPhone SC is doing. And then of 0:01:22.920 --> 0:01:26.319 course three days later, I was out for a run 0:01:26.640 --> 0:01:28.959 and my phone slipped out of my arm band and cracked. 0:01:29.400 --> 0:01:32.199 Uh the screen like shattered even more, had a little 0:01:32.200 --> 0:01:34.440 crack on it. But now it's it's terrible. You told 0:01:34.440 --> 0:01:36.440 me you had this old school arm arm band and 0:01:36.520 --> 0:01:39.160 you put tape on it to try to keep your phone. Okay, Yeah, 0:01:39.160 --> 0:01:40.760 so this is actually a pretty good frugal or cheap 0:01:42.000 --> 0:01:45.800 cheap move because this arm band, it's from like eight 0:01:45.920 --> 0:01:47.880 nine years ago, like when Kate and I first got 0:01:47.880 --> 0:01:51.040 into running, and it's slowly kind of falling apart a 0:01:51.040 --> 0:01:53.720 little bit, and you know, I was looking at it 0:01:53.880 --> 0:01:55.320 and I put the tape on there a couple of 0:01:55.360 --> 0:01:57.120 weeks ago, but I was like, you know, the phone 0:01:57.160 --> 0:01:58.680 could probably like slide out of there, out of that 0:01:58.720 --> 0:02:00.600 little slot, out of that hole, and so I stuck 0:02:00.640 --> 0:02:03.600 some packing tape on the arm band so that a 0:02:03.760 --> 0:02:06.240 I could still see the screen, but be it would 0:02:06.280 --> 0:02:08.920 hold it together. But you know, you go running and 0:02:08.919 --> 0:02:12.280 you sweat, and the sweat and makes tape not sticky anymore. 0:02:12.600 --> 0:02:14.120 And that's what happened, man. It was I was actually 0:02:14.120 --> 0:02:16.440 not even running. It was after the run, and I 0:02:16.480 --> 0:02:19.240 was walking with it and it slipped out of that 0:02:19.240 --> 0:02:22.280 that spot and cracked. Well I hate that for you. 0:02:22.280 --> 0:02:23.919 I'm sorry that such a sick feeling, you know when 0:02:23.919 --> 0:02:27.720 you yeah, busted screen sucks. And but I saw what 0:02:27.800 --> 0:02:30.160 you did, dude. You pulled out an even older version 0:02:30.240 --> 0:02:33.040 of an iPhone that you currently have hanging around your house. Yeah. 0:02:33.080 --> 0:02:34.840 I was gonna go into all these details, but I 0:02:34.919 --> 0:02:38.720 had an older iPhone sc uh that was not as 0:02:38.760 --> 0:02:40.560 good because the battery isn't as good on it. And 0:02:40.600 --> 0:02:43.000 I just backed up my my iPhone to eye cloud 0:02:43.160 --> 0:02:44.920 and then just pulled off the new one. And and 0:02:44.960 --> 0:02:46.680 by knowing you mean the really old one. Yeah, yeah, 0:02:46.680 --> 0:02:48.760 they're really old one, and just restored that back up. 0:02:48.840 --> 0:02:51.440 And so now instead of you know, cutting my finger 0:02:51.520 --> 0:02:53.560 on pieces of glass, now I just had these nice 0:02:53.840 --> 0:02:56.480 aged cracks that are dulled a little bit where they 0:02:56.480 --> 0:02:58.160 don't cut my finger. But yeah, going back to what 0:02:58.200 --> 0:03:00.280 you said, though you mentioned the arm band, it was 0:03:00.360 --> 0:03:03.280 a completely cheap move by you know, throwing the table 0:03:03.280 --> 0:03:04.760 on there. She just bought a new arm being for 0:03:04.800 --> 0:03:07.280 like five bucks to save your phone from like lots 0:03:07.280 --> 0:03:09.520 of dama exactly. But at the same time, I'm not 0:03:09.560 --> 0:03:12.200 necessarily going to get a brand new iPhone right now. Uh. 0:03:12.200 --> 0:03:14.200 And that is not me being cheap. That's just I 0:03:14.200 --> 0:03:15.720 think that's me being a little more frugal because I 0:03:15.720 --> 0:03:18.840 don't really care that much about cell phones. Uh, that is, 0:03:18.880 --> 0:03:20.440 maybe until you get a new one and I see 0:03:20.480 --> 0:03:22.560 how nice and shiny it is and it's got that 0:03:22.560 --> 0:03:24.800 new electronic smell. Well, I'm still holding off on mine, 0:03:24.840 --> 0:03:27.280 even though my current one likes to turn itself off 0:03:27.280 --> 0:03:28.919 like two or three times today. I don't know what's 0:03:28.919 --> 0:03:30.440 going on there. And I gotta think at this point 0:03:30.440 --> 0:03:33.040 in time, listeners are probably not taking our recommendation on 0:03:33.160 --> 0:03:35.920 upgrade cycles for phones because we tend to go a 0:03:35.920 --> 0:03:38.800 little bit longer, especially Gilish things a little bit. Yeah, 0:03:38.920 --> 0:03:40.680 but I like your ingenuity. I like your willingness to 0:03:40.720 --> 0:03:43.000 work with the old phone. I'm trying to see how 0:03:43.040 --> 0:03:44.840 much longer I can slog it out to. All right, Matt, 0:03:44.920 --> 0:03:46.880 let's get onto the Friday flight. The headlines we found 0:03:46.880 --> 0:03:49.680 interesting this week and what those four executive orders that 0:03:49.760 --> 0:03:51.880 were released on Saturday actually mean for you. But first 0:03:51.960 --> 0:03:54.000 let's get to a couple of others. Matt, we talked 0:03:54.000 --> 0:03:56.760 about bikes, maybe way too much, but not enough. Okay, 0:03:56.800 --> 0:03:58.960 not enough. I agree with you. Bikes are integral man 0:03:59.400 --> 0:04:01.800 bikes and beer, their hugs. They're important. But bike sales 0:04:01.800 --> 0:04:04.360 are actually way up, and we talked about that earlier 0:04:04.360 --> 0:04:07.920 in the pandemic. But bike sales continue to just shoot 0:04:07.920 --> 0:04:11.280 through the roof. And when we're talking about bikes along 0:04:11.320 --> 0:04:14.840 with accessories including helmets and stuff, a billion dollars of 0:04:14.880 --> 0:04:17.360 bike goods were sold in April, which is up sev 0:04:18.080 --> 0:04:20.240 from the previous year. Yeah. Yeah, you and I we 0:04:20.240 --> 0:04:21.800 were certainly part of that spike in demand. You bought 0:04:21.839 --> 0:04:23.279 a bike for yourself. I bought a bike for my 0:04:23.320 --> 0:04:25.520 four year old. Now she's riding on the bikes for 0:04:25.520 --> 0:04:27.600 our kids as well. Yeah, all of this, it's hard 0:04:27.640 --> 0:04:29.880 to believe that this is all recent, but this was 0:04:29.920 --> 0:04:32.920 all this past spring, right. Yeah, everybody's like it's time, 0:04:32.920 --> 0:04:34.360 like let's get out there on the bikes, and more 0:04:34.400 --> 0:04:36.480 and more people are doing it, and it's just kind 0:04:36.480 --> 0:04:38.640 of crazy to see the bike boom that's happening. And 0:04:38.640 --> 0:04:40.479 I feel like I'm seeing all my neighbors around bikes 0:04:40.480 --> 0:04:42.479 more often too. Yeah, it's I'm just happy to see 0:04:42.520 --> 0:04:45.520 so many more people joining us in our favorite money 0:04:45.520 --> 0:04:47.640 saving pastime. Man. You know. And there was a really 0:04:47.640 --> 0:04:51.200 interesting article about the major bike company Trek in Medium. 0:04:51.200 --> 0:04:53.200 Will will link to that in our show notes. But 0:04:53.200 --> 0:04:55.920 they mentioned how it really has been a perfect storm 0:04:55.960 --> 0:04:58.000 for bike sales in so many ways, you know, like 0:04:58.080 --> 0:05:01.080 fear folks want to take public transfer station right, so there, 0:05:01.120 --> 0:05:03.320 that's one thing. Gyms are closed, and so folks are 0:05:03.320 --> 0:05:05.599 looking for a way to kind of get the workout on. 0:05:06.200 --> 0:05:07.520 And then on top of that, like you and I, 0:05:07.640 --> 0:05:09.480 you know, there's parents out there wanting to get their 0:05:09.560 --> 0:05:13.240 kids off of screens and getting them outside. Treks bike 0:05:13.279 --> 0:05:15.880 sales are through the roof, and their CEO even said 0:05:15.920 --> 0:05:18.520 that their their sales could have even been twice what 0:05:18.600 --> 0:05:20.599 they were if they had been able to ramp up 0:05:20.640 --> 0:05:23.400 production in a bigger way. Because the you know, supply 0:05:23.480 --> 0:05:25.719 chains were disrupted in a lot of different components come 0:05:25.839 --> 0:05:28.159 from all different parts of the world. It makes it 0:05:28.200 --> 0:05:31.240 difficult to keep up with this massive spike in demand. Yeah, 0:05:31.279 --> 0:05:33.000 it was kind of crazy to read about the supply 0:05:33.080 --> 0:05:35.240 chain and how there's all these different components that they're 0:05:35.240 --> 0:05:38.080 getting from all over the world, you know, mostly in China, 0:05:38.520 --> 0:05:40.280 but then they have to be put together. It can 0:05:40.279 --> 0:05:42.159 take a hundred twenty days to actually build a bike. 0:05:42.279 --> 0:05:45.000 It certainly makes me appreciate the bike manufacturing process a 0:05:45.000 --> 0:05:47.800 little bit more y versus me getting it at home 0:05:47.800 --> 0:05:50.120 and it's ninety put together and just like, oh, I 0:05:50.240 --> 0:05:53.599 gotta get the petals and the handlebars on well too. 0:05:53.760 --> 0:05:56.560 It's just kind of crazy. Apparently their warehouse is completely empty, 0:05:56.600 --> 0:05:58.760 which it must be an eerie feeling because it's this 0:05:58.880 --> 0:06:01.960 enormous space that's typically full of packages of bikes, but 0:06:02.000 --> 0:06:04.520 they've sold through them. Also, good luck to people out 0:06:04.560 --> 0:06:06.719 there who are looking to buy a bike, because it's 0:06:06.720 --> 0:06:10.200 harder to do right now. Speaking of new bikes, Matt, actually, 0:06:10.200 --> 0:06:11.960 when I purchased my bike for the four year old, 0:06:12.040 --> 0:06:14.480 we got it from ari e I, And I actually 0:06:14.520 --> 0:06:16.640 just saw an article in the Wall Street Journal and 0:06:16.760 --> 0:06:20.440 saying that ari I is going to sell their sweet 0:06:20.440 --> 0:06:22.840 new corporate headquarters, which they never even got to use 0:06:22.920 --> 0:06:26.559 due to COVID. They built this beautiful, gorgeous office space 0:06:26.960 --> 0:06:31.200 new headquarters in Washington State and because of shelter in place, 0:06:31.200 --> 0:06:33.840 because of more working from home. Are I realized that 0:06:33.880 --> 0:06:36.040 it didn't make much sense to kind of hold onto 0:06:36.040 --> 0:06:39.320 this new headquarters and that collaboration for their employees doesn't 0:06:39.320 --> 0:06:41.960 require this single location. No matter how beautiful it is. 0:06:42.680 --> 0:06:45.839 The renderings look incredible. I didn't actually see a picture 0:06:45.839 --> 0:06:48.039 of it completed, but it's almost built as a like 0:06:48.040 --> 0:06:50.200 a summer camp for adults. Like they've got like giant 0:06:50.279 --> 0:06:53.240 glass lighting doors, and you know, like rooftop terraces, native 0:06:53.240 --> 0:06:56.080 plants they're incorporated into the design as well. You know, 0:06:56.120 --> 0:06:58.520 I totally understand that things have completely changed, you know 0:06:58.520 --> 0:07:01.440 in companies that they're going to start upending plans to 0:07:01.480 --> 0:07:04.120 build or even get rid of current office space. But 0:07:04.200 --> 0:07:06.960 even still, if I were an ARII corporate employee, I 0:07:06.960 --> 0:07:09.840 would totally be bummed. But this is just another example 0:07:09.920 --> 0:07:14.440 of companies of employers moving to less centralized, you know, 0:07:14.480 --> 0:07:17.640 corporate offices, as we've learned that so much collaboration and 0:07:17.720 --> 0:07:20.360 so much of the work that we do today can 0:07:20.400 --> 0:07:22.880 be done from our individual homes. Yeah, and it sounds 0:07:22.880 --> 0:07:24.920 like ari I is gonna put some of those resources 0:07:25.120 --> 0:07:27.560 instead of into that fancy building that's now on the market. 0:07:27.800 --> 0:07:30.080 They're going to use it to you know, speed up 0:07:30.120 --> 0:07:32.800 other improvements in how they do business, and in particular, 0:07:33.040 --> 0:07:36.080 you know the customer facing stuff with touchless pickup. So yeah, 0:07:36.080 --> 0:07:38.560 I still love our I I love the return policy, man, 0:07:38.600 --> 0:07:41.120 I love just everything about that company. But on that 0:07:41.160 --> 0:07:43.440 note of working from home, Matt, it's no surprise that 0:07:43.480 --> 0:07:46.040 a lot of people's electricity bills are on the rise. 0:07:46.480 --> 0:07:49.280 It's getting super hot out there, and especially here where 0:07:49.280 --> 0:07:51.680 we are in Atlanta, and because a lot of us 0:07:51.680 --> 0:07:53.840 are now in our homes twenty four hours a day, 0:07:54.040 --> 0:07:57.120 our A C units are working overtime, and I know, 0:07:57.160 --> 0:07:59.520 like typically when when we leave the house during the day, 0:07:59.800 --> 0:08:01.800 you know, we set the temperature up a little bit, 0:08:02.040 --> 0:08:04.560 and people probably aren't doing that as much because they're 0:08:04.560 --> 0:08:06.760 in their homes more. The AC units are probably on 0:08:06.800 --> 0:08:08.520 a good bit of the time. And that means our 0:08:08.560 --> 0:08:11.160 electricity bills are going up. And there's not much that 0:08:11.200 --> 0:08:12.880 we can do except for to tell you to bump 0:08:12.920 --> 0:08:14.640 it up a degree or two in order to help 0:08:14.680 --> 0:08:17.200 save you from an outrageous electricity bill. But one thing 0:08:17.240 --> 0:08:19.560 that is important is to change your filters, because it's 0:08:19.560 --> 0:08:22.680 actually the number one reason that a c units breakdown, 0:08:23.040 --> 0:08:25.000 and it's the number one reason that they're inefficient or 0:08:25.040 --> 0:08:27.480 working too hard. So set a reminder or get a 0:08:27.520 --> 0:08:30.640 thermostat that reminds you to change your filters, because if 0:08:30.640 --> 0:08:33.280 you forget, it's totally not good for the bill you 0:08:33.360 --> 0:08:36.839 might receive from an HVACT technician. That's true. Man, Hey, 0:08:36.880 --> 0:08:38.560 I've got a deal of the week. That's what I'm 0:08:38.559 --> 0:08:41.040 gonna call it deal of the week for you bring it. 0:08:41.160 --> 0:08:43.280 That's all. The movie theaters are going to be opening 0:08:43.559 --> 0:08:47.480 next Thursday, specifically, AMC man. They are selling tickets for 0:08:47.679 --> 0:08:51.000 fifteen cents what a ticket? Yeah, to celebrate their you know, 0:08:51.080 --> 0:08:53.679 their hundredth anniversary, that's what they're saying. At least, I'm 0:08:53.679 --> 0:08:55.680 sure it's also to try to like get people back 0:08:55.679 --> 0:08:57.600 into the movie theaters. But they're saying that they're going 0:08:57.640 --> 0:09:01.199 to sell them at nine prices, you knowwy, It's like, 0:09:01.240 --> 0:09:03.959 all right, back in tickets cost fifteen cents, let's sell 0:09:04.000 --> 0:09:06.120 them for a fifteen cents to lessen in inflation right there, 0:09:06.120 --> 0:09:09.480 because movie movie tickets cost a whole lot more than that. Now. Yeah, seriously, 0:09:09.480 --> 0:09:11.560 I appreciate that they're not trying to sell still tickets 0:09:11.559 --> 0:09:15.360 at twenty prices would be like fours, I guess exactly. 0:09:15.520 --> 0:09:17.280 But yeah, they're trying to entice us through the doors, 0:09:17.640 --> 0:09:19.200 hoping that we can't turn down that deal. I feel 0:09:19.200 --> 0:09:20.560 like that's something that you would do, Joel, You're like 0:09:20.760 --> 0:09:24.560 fifteen cent tickets. I gotta be there. If I actually 0:09:24.559 --> 0:09:26.440 went to movies, it would be hard to resist. But 0:09:26.600 --> 0:09:28.280 I've got kids. Man, I haven't been to the movies 0:09:28.360 --> 0:09:30.640 in at least a year. I got it, I guess, yeah. Well, 0:09:30.640 --> 0:09:31.920 I mean the other thing is too, is like the 0:09:31.960 --> 0:09:34.559 health risk, you know, like is it worth it to 0:09:34.360 --> 0:09:36.480 to go to a movie theater and be surrounded by 0:09:36.640 --> 0:09:38.200 by a bunch of folks? Like would you do it? 0:09:38.280 --> 0:09:39.720 What if there was a movie out that you wanted 0:09:39.760 --> 0:09:41.840 to go see and kids weren't an issue, Like would 0:09:41.880 --> 0:09:44.079 you're gonna watch my kids for me? Sure? Yeah, I'll 0:09:44.080 --> 0:09:46.480 get it. So I saw that they're gonna require everyone's 0:09:46.480 --> 0:09:49.800 required a wear masks. The capacity within the auditoriums is 0:09:49.800 --> 0:09:52.640 reduced to like or less, But even still, I'm not 0:09:52.640 --> 0:09:54.800 sure if I would do it. Yeah, that's a good question. 0:09:54.800 --> 0:09:57.760 I'm not a hundred percent sure. Everyone's got different comfortability levels, 0:09:58.120 --> 0:10:02.240 and I think because um, watching a movie is is 0:10:02.280 --> 0:10:04.360 so much more of like a leisurely fun item. I 0:10:04.400 --> 0:10:06.520 probably wouldn't do it, Like going to get a haircut. 0:10:06.679 --> 0:10:08.200 At some point, I gotta get a haircut, right, And 0:10:08.200 --> 0:10:09.880 I guess I could do it myself, right, But could 0:10:09.880 --> 0:10:11.760 you some clippers? Yeah, I mean you do it, but 0:10:12.000 --> 0:10:14.400 I need to get on that train. But I don't mind. 0:10:14.840 --> 0:10:16.880 You know, I've only done it once since some pandemic started. 0:10:16.880 --> 0:10:18.360 But I'd go in there and get my hair cut again. 0:10:18.760 --> 0:10:21.800 But going to see a movie, even a little superfluous, yeah, 0:10:21.920 --> 0:10:25.440 even even at the fifteen cents, I probably would have. 0:10:25.760 --> 0:10:27.160 It's not gonna pull you in. I don't think so. 0:10:27.520 --> 0:10:29.040 I don't think so. Well. The other thing I was 0:10:29.080 --> 0:10:30.959 thinking of, too, is what are they gonna do about 0:10:31.320 --> 0:10:34.679 buying popcorn and and coke? Like concessions? That's good. I 0:10:34.720 --> 0:10:37.040 mean probably can't put food in your mouth, you can't 0:10:37.120 --> 0:10:40.280 drink without taking off your mask. So I'm getting concessions 0:10:40.280 --> 0:10:42.079 have to be shut down. Well I don't think they are. 0:10:42.160 --> 0:10:43.800 That's the thing. They say that masks have to stay 0:10:43.840 --> 0:10:46.360 on except for when you, you know, are drinking, eating 0:10:46.440 --> 0:10:49.200 or drinking. And I can come on, who's gonna sit 0:10:49.240 --> 0:10:51.240 there during a movie watch, you know, pull down the 0:10:51.280 --> 0:10:53.280 mask to throw some popcorn in there and put the 0:10:53.280 --> 0:10:55.360 mask back. No, you're watching the movie, You're you're taking 0:10:55.360 --> 0:10:57.600 the mask off. It's not going back on. It's gonna 0:10:57.720 --> 0:11:00.240 guarantee it. Yeah, that's another reason probably to have wid it, 0:11:00.280 --> 0:11:02.920 even those cheap Yeah. Well that's our personal recommendation, because 0:11:03.040 --> 0:11:04.960 you know, there's a lot of COVID cases here in Atlanta, 0:11:05.000 --> 0:11:07.120 but I know there's a lot of places where it's 0:11:07.160 --> 0:11:09.280 really not a concern. It's like a different world. Yeah, 0:11:09.360 --> 0:11:11.720 that's true. Completely depends on where you live. Some places 0:11:11.760 --> 0:11:14.120 it's all there's almost no risk involved, and then where 0:11:14.160 --> 0:11:16.320 we live there's just a lot more risk involved. All right, man, 0:11:16.400 --> 0:11:19.440 let's talk about the executive order. And it's been kind 0:11:19.480 --> 0:11:23.640 of confusing since on Saturday, Trump issued those executive orders 0:11:23.760 --> 0:11:27.200 as Congress was like basically completely unable to strike any 0:11:27.240 --> 0:11:30.559 sort of compromise on a stimulus bill, and one I'm 0:11:30.559 --> 0:11:33.200 a little frustrated with our politicians for their inability to 0:11:33.200 --> 0:11:36.199 to work together. But then those executive orders actually created 0:11:36.200 --> 0:11:38.160 a lot of confusion and people are like, huh, what 0:11:38.240 --> 0:11:40.960 does this mean? And there's obviously a question of legality 0:11:41.000 --> 0:11:42.839 at the same time. But I think a huge part 0:11:42.840 --> 0:11:45.760 of the reason that these executive orders were issued was 0:11:45.800 --> 0:11:48.200 actually to kind of be a goad to spur on 0:11:48.360 --> 0:11:52.120 Congress towards renewing some talks to get them going in 0:11:52.160 --> 0:11:54.920 the right direction so that they can accomplish something meaningful 0:11:55.080 --> 0:11:57.160 for the people that are hurting right now. But even 0:11:57.280 --> 0:12:00.800 after those executive orders were were made, um, we're still 0:12:00.840 --> 0:12:04.000 hearing nothing from from Congress on a future relief bill. 0:12:04.080 --> 0:12:05.640 So it feels like there's something in report, but also 0:12:05.720 --> 0:12:07.480 kind of like nothing to report, right. Yeah, And it's 0:12:07.480 --> 0:12:09.720 worth mentioning to I guess what was included in those orders, 0:12:09.720 --> 0:12:12.520 because they might be indicative of what actually comes to pass. 0:12:13.000 --> 0:12:15.800 And so in those executive orders, federal student loan payments 0:12:15.800 --> 0:12:18.480 and interest were suspended through the rest of the year. 0:12:18.840 --> 0:12:22.199 Federal unemployment benefits they're supposed to continue, but now at 0:12:22.200 --> 0:12:25.679 a lesser per week instead of the six hundred. There 0:12:25.760 --> 0:12:28.400 was also it's kind of this confusing peril tax refral 0:12:28.440 --> 0:12:31.080 thrown in there. And then there was also an eviction 0:12:31.240 --> 0:12:35.800 moratorium included as well in those recent executive orders. But again, 0:12:35.840 --> 0:12:37.640 even though these are orders that he issued, it's a 0:12:37.640 --> 0:12:41.120 little bit confusing because he doesn't necessarily have the power 0:12:41.160 --> 0:12:44.160 to implement these things. Right Congress, they hold the power 0:12:44.160 --> 0:12:46.760 of the purse, and so when it comes to changes 0:12:46.960 --> 0:12:51.600 that require funding, that's something that only Congress has authority over. Yes, 0:12:51.679 --> 0:12:53.800 so we'll certainly keep an eye on on these executive 0:12:53.880 --> 0:12:57.200 orders and whether implementation actually happens on any of these things, 0:12:57.440 --> 0:13:01.320 or hopefully hopefully Congress comes to some sort of uh 0:13:01.520 --> 0:13:04.680 an agreement on the next steps in regards to a 0:13:04.720 --> 0:13:07.200 relief bill so that we can forget this happened altogether, 0:13:07.360 --> 0:13:09.079 these executive orders and we can come up with something 0:13:09.120 --> 0:13:11.439 that's actually gonna deliver money into the right places to 0:13:11.440 --> 0:13:13.800 help the people that are struggling the most right now. Yeah, 0:13:13.840 --> 0:13:15.360 although Joel I just saw too that a lot of 0:13:15.360 --> 0:13:18.800 policy experts are saying it could easily be until September 0:13:18.920 --> 0:13:21.880 before an agreement is reached, and so we will, yeah, 0:13:22.000 --> 0:13:25.000 keep our listeners updated and posted, but I'm not necessarily 0:13:25.000 --> 0:13:27.319 going to hold my breath in the meantime. At the 0:13:27.360 --> 0:13:30.400 same time, how do money listeners like as we look 0:13:30.440 --> 0:13:32.160 to see what the government's going to do in regards 0:13:32.200 --> 0:13:35.520 to another stimulus check or more unemployment benefits. At the 0:13:35.520 --> 0:13:37.320 same time, we have to take control of the things 0:13:37.400 --> 0:13:39.400 we can take control of, and this is something that 0:13:39.400 --> 0:13:41.400 will will keep an eye on because we know it 0:13:41.440 --> 0:13:43.640 impacts all of us, um But at the same time, 0:13:43.679 --> 0:13:45.600 we have to do our best with our own personal 0:13:45.640 --> 0:13:48.200 finances in the midst of this craziness exactly. Yeah, these 0:13:48.200 --> 0:13:51.240 stimulus bills aren't everything, and so Joel, We've got more 0:13:51.360 --> 0:13:53.520 to get to, including good news about how Americans are 0:13:53.520 --> 0:14:06.760 approaching debts and more. Right after this break. All right, Matt, 0:14:06.760 --> 0:14:08.720 we're back from the break. You just asked me whether 0:14:08.760 --> 0:14:10.480 I was going to go see a movie in a 0:14:10.520 --> 0:14:13.199 movie theater, and you know, I think it turns out 0:14:13.200 --> 0:14:17.040 probably not, But I did recently getting an airplane. Oh yeah, 0:14:17.120 --> 0:14:18.760 you're gonna share that with folks, So yeah, I know 0:14:18.760 --> 0:14:22.160 if you're gonna like spill the beans. Well, so, you know, 0:14:22.280 --> 0:14:24.520 my my family and we traveled to Memphis to see 0:14:24.880 --> 0:14:28.400 some of my wife's family and then they actually hung 0:14:28.400 --> 0:14:29.680 out there for a good bit longer. But I had 0:14:29.720 --> 0:14:31.560 to come home. So I hopped on an airplane, and 0:14:31.600 --> 0:14:33.200 I will say I felt pretty safe. I was wearing 0:14:33.240 --> 0:14:35.360 a mask, everybody else was wearing a mask. The plane 0:14:35.400 --> 0:14:40.120 was maybe full, the airport felt like a ghost town. That. Yeah, 0:14:40.120 --> 0:14:42.600 so probably not something I'm gonna do to hop across 0:14:42.640 --> 0:14:44.400 the pond or something like that, or even to go 0:14:44.440 --> 0:14:46.960 on vacation right now, But I didn't feel terribly unsafe 0:14:46.960 --> 0:14:48.920 getting on an airplane to come home. Yeah. And the 0:14:48.960 --> 0:14:50.960 reason that you mentioned that, man, is that we saw 0:14:51.000 --> 0:14:53.200 that the U. S. State Department has lifted a global 0:14:53.240 --> 0:14:56.360 advisory on international travel that was put into place five 0:14:56.400 --> 0:14:58.360 months ago. And so a question I think a lot 0:14:58.400 --> 0:15:01.000 of folks might be asking themselves is whether or not 0:15:01.120 --> 0:15:03.080 it's safe to travel. So a lot of that comes 0:15:03.080 --> 0:15:06.240 down to, you know, the the individual, but it also 0:15:06.320 --> 0:15:08.760 kind of comes down to where we are allowed or 0:15:09.040 --> 0:15:11.760 able to travel to. Right, most of the countries won't 0:15:11.840 --> 0:15:14.880 let us in their borders because of our hard number 0:15:14.960 --> 0:15:18.080 of new COVID cases. You know, the EU, they've lifted 0:15:18.080 --> 0:15:21.280 travel bands on visitors from fourteen different countries, but the US, 0:15:21.400 --> 0:15:23.560 of course, isn't one of them. So even if you 0:15:23.680 --> 0:15:26.200 felt completely comfortable of flying internationally and you wanted to 0:15:26.240 --> 0:15:28.360 maybe take a little trip take advantage of any deals 0:15:28.360 --> 0:15:30.520 that you may have come across, you may not even 0:15:30.520 --> 0:15:32.600 be able to. Yeah, they won't let you in, So 0:15:32.880 --> 0:15:35.280 don't even bother right, and yet at the same time, Matt, 0:15:35.320 --> 0:15:37.360 I think airplanes, you know, they're not the most dangerous 0:15:37.360 --> 0:15:39.680 place to be. We had a travel expert on a 0:15:39.680 --> 0:15:42.000 couple of months ago and he shed some light on that. 0:15:42.360 --> 0:15:45.360 But a recent study shows that fifty of Americans aren't 0:15:45.360 --> 0:15:47.680 ready to travel on an airplane right now, and even 0:15:47.800 --> 0:15:50.520 fewer are willing to travel internationally even if they could, 0:15:50.920 --> 0:15:53.720 and specifically on any flights of six hours or longer. 0:15:53.800 --> 0:15:55.840 Is how the question was phrased, and that actually kind 0:15:55.840 --> 0:15:58.200 of works out. So if people are okay traveling on 0:15:58.240 --> 0:16:01.000 an airplane hopping to a cool desk nation, well, if 0:16:01.040 --> 0:16:03.800 they want a short flight domestically, that's actually where the 0:16:03.840 --> 0:16:07.200 best deals are right now. Anyway, airlines have like drastically 0:16:07.200 --> 0:16:10.120 cut the amount of flights that they're sending internationally, so 0:16:10.160 --> 0:16:12.560 there's just more activity going on domestically, and there's more 0:16:12.640 --> 0:16:14.360 room to be able to get a deal. So if 0:16:14.360 --> 0:16:17.080 you're in that half that fifty of people who say, yeah, 0:16:17.080 --> 0:16:18.720 I don't mind getting on an airplane, especially if I 0:16:18.760 --> 0:16:20.120 can make the trip for a whole lot less money 0:16:20.160 --> 0:16:23.440 than usual, then keep your eyes peeled and search sites 0:16:23.480 --> 0:16:26.080 like Google, dot Com, Slash, flights or sign up for 0:16:26.120 --> 0:16:28.400 a Sitelight Scotch cheap flights so you can find some 0:16:28.440 --> 0:16:31.000 of the cheapest deals. Yeah, man. And something else worth 0:16:31.000 --> 0:16:32.800 noting is that you used to always find the best 0:16:32.920 --> 0:16:36.440 domestic flight deals around one to three months in advance, 0:16:36.680 --> 0:16:40.080 but now, because of the lack of business travelers, there 0:16:40.280 --> 0:16:42.680 have been last minute deals popping up. You know, like 0:16:42.720 --> 0:16:44.800 those used to be the flights that last minute business 0:16:44.840 --> 0:16:47.080 travelers that they would put on their corporate card. They 0:16:47.080 --> 0:16:49.400 didn't care about the price, or I guess you'd say 0:16:49.400 --> 0:16:51.480 that they were priced and sensitive. But because there are 0:16:51.560 --> 0:16:54.640 fewer of those last minute business travelers, some of those 0:16:54.640 --> 0:16:57.120 seats are going for pretty cheap. And so actually, back 0:16:57.160 --> 0:16:59.560 to you, when you were getting that flight from Memphis, 0:16:59.640 --> 0:17:01.480 did you get a pretty good deal? Yeah, I got 0:17:01.520 --> 0:17:04.080 a really good deal Bucks one way, But actually it's 0:17:04.080 --> 0:17:07.080 really good. Yeah. I use some points because I had 0:17:07.080 --> 0:17:09.719 some Southwest points hanging around and Southwest. The great thing 0:17:09.840 --> 0:17:11.960 is too that that's one of the reasons I like 0:17:12.000 --> 0:17:14.000 booking the Southwest is because they offer you the most 0:17:14.040 --> 0:17:16.840 flexibility to change a flight when you want to, and 0:17:16.880 --> 0:17:19.119 they don't charge you outrageous fees to do it, and 0:17:19.119 --> 0:17:20.560 so I knew if the price goes down, I can 0:17:20.600 --> 0:17:23.320 always cancel that flight rebook another one. So you keep 0:17:23.320 --> 0:17:24.800 that in mind too when you're when you're booking a 0:17:24.840 --> 0:17:28.280 flight and matt While while Southwest offers a lot of flexibility, 0:17:28.359 --> 0:17:31.479 other airlines not so much these days, and getting refunds 0:17:31.480 --> 0:17:33.520