WEBVTT 1 00:00:00.680 --> 00:00:05.839 You're listening to KFI AM six forty wake Up Call with me Amy King on 2 00:00:06.000 --> 00:00:11.439 demand on the iHeartRadio app. We got a lot ahead today on wake Up 3 00:00:11.480 --> 00:00:14.480 Call, so we hope you'll stick around for the whole show. Here's what's 4 00:00:14.839 --> 00:00:18.280 coming up on wake Up Call. The Senate has passed a ninety five billion 5 00:00:18.320 --> 00:00:22.399 dollar aid package for Ukraine, Israel, and Taiwan. The vote followed an 6 00:00:22.399 --> 00:00:27.239 overnight session after months of haggling over a bill that also included border security. 7 00:00:27.480 --> 00:00:30.719 Well, the border funding was taken out of this aid package. It now 8 00:00:30.760 --> 00:00:34.280 heads to the House. The package passed in the Senate on a seventy to 9 00:00:34.320 --> 00:00:39.200 twenty nine vote. Metro ridership is up eleven point six percent on buses and 10 00:00:39.240 --> 00:00:43.200 trains for twenty twenty three. Metro says they're seeing the highest numbers since the 11 00:00:43.240 --> 00:00:49.359 pandemic. The transit agency says its efforts to address safety, improve cleanliness and 12 00:00:49.399 --> 00:00:54.000 speed up service is the reason for the increase in ridership. If you want 13 00:00:54.000 --> 00:00:57.479 to order in on Valentine's Day, you're probably going to have to get the 14 00:00:57.479 --> 00:01:02.520 food yourself. Rideshare drivers for Uber, Lift, DoorDash and others are going 15 00:01:02.560 --> 00:01:07.079 on strike on Valentine's Day to fight for better wages. Drivers are planning to 16 00:01:07.159 --> 00:01:11.959 protest outside the Uber Hub on Beverly Drive in LA tomorrow at six oh five. 17 00:01:11.079 --> 00:01:15.159 It's handled on the news. Bill's going to share his thoughts on the 18 00:01:15.280 --> 00:01:19.359 Senate debate last night. Did you catch it? I did interesting stuff. 19 00:01:19.920 --> 00:01:23.599 Let's get started with some of the stories coming out of the KFI twenty four 20 00:01:23.599 --> 00:01:29.120 hour newsroom. At what point is enough enough? The Senate has passed that 21 00:01:29.239 --> 00:01:33.560 ninety five billion dollar eight package for Ukraine, Israel, and Taiwan, despite 22 00:01:33.640 --> 00:01:38.159 opposition from some Republicans. Wisconsin Senator Ron Johnson says he does not believe Ukraine 23 00:01:38.480 --> 00:01:44.159 can defeat Russia. As sympathetic as I am for the Ukrainian people, I 24 00:01:44.200 --> 00:01:49.920 don't see how setting another sixty billion dollars helps their plight. Ohio Senator JD. 25 00:01:49.040 --> 00:01:53.599 Van says Russia isn't losing. At what point do we say the wars 26 00:01:53.640 --> 00:01:57.239 of stalemate? It's going to end in the negotiated settlement any way. Let's 27 00:01:57.239 --> 00:02:01.079 stop wasting lives, let's stop wasting money, and let's get on with the 28 00:02:01.120 --> 00:02:06.079 piece. More than a dozen Republicans voted with almost all Democrats to pass that 29 00:02:06.079 --> 00:02:10.599 package seventy to twenty nine that Bill's future is uncertain in the House. LA 30 00:02:10.680 --> 00:02:15.599 police are looking into the possibility that a shooting in Cutahey that killed a teenager 31 00:02:15.759 --> 00:02:21.560 is related to three other shootings. The teen was killed early yesterday on Live 32 00:02:21.599 --> 00:02:24.800 Oak Street. Another person was hurt. Police say there were also shootings in 33 00:02:24.879 --> 00:02:30.680 Bell, Florence, Firestone, and Huntington Park the same night. An analysis 34 00:02:30.719 --> 00:02:35.319 of arrest and booking data from the Glendale, Pasadena and South Pasadena police departments 35 00:02:35.680 --> 00:02:39.680 show large disparities in arrests by race. The report issued yesterday by the County 36 00:02:39.680 --> 00:02:45.159 Commission on Human Relations as Black and Latino arrest rates are much higher than for 37 00:02:45.240 --> 00:02:49.319 Whites and Asians. It also determined black and Latino people are more likely to 38 00:02:49.319 --> 00:02:53.240 be given jail time. Most arrests cluster around major commercial centers like Old Town 39 00:02:53.800 --> 00:03:00.039 Pasadena and the Americana at Brand. A malfunctioning generator has been determined to be 40 00:03:00.080 --> 00:03:07.199 the cause of noxious odors that prompted an evacuation and hazardous materials investigation at a 41 00:03:07.240 --> 00:03:12.120 target on the south side of Riverside. The odors were reported early yesterday at 42 00:03:12.159 --> 00:03:15.000 the target in the town Gate shopping Center. One person became sick from the 43 00:03:15.039 --> 00:03:20.159 oders and was taken to the hospital. The store reopened by about eleven thirty 44 00:03:20.240 --> 00:03:25.560 am. Kindergarten could soon be mandatory in California. Assemblyman al Miritsucci has introduced 45 00:03:25.560 --> 00:03:30.000 a bill that will require all kids to attend kindergarten beginning in twenty twenty six. 46 00:03:30.439 --> 00:03:35.680 While kids in California currently must enroll in school by age six, local 47 00:03:35.759 --> 00:03:39.199 school districts decide if the students go into kindergarten or the first grade. LA 48 00:03:39.240 --> 00:03:45.240 School District Superintendent Alberto Carvallo, who supports the bill, says research has shown 49 00:03:45.240 --> 00:03:49.439 that kindergarten is essential to a student's development. The bill will need to pass 50 00:03:49.479 --> 00:03:53.520 the Assembly Education Committee before the entire Assembly can vote on it. Blake Trolley 51 00:03:53.599 --> 00:03:58.919 k if I News San Diego County's kicked off it's thirteenth annual Love Your Heart 52 00:03:59.039 --> 00:04:02.080 Month of Action of Valentine's Day. Doctor Eric McDonald with the county's Health and 53 00:04:02.159 --> 00:04:06.159 Human Services says free blood pressure screenings are available across the region. People think 54 00:04:06.199 --> 00:04:12.000 of high blood pressure as your grandmother's disease, needed to take medication for it, 55 00:04:12.120 --> 00:04:15.480 an issue for people of all ages, McDonald says, people need to 56 00:04:15.519 --> 00:04:19.319 get checked out now, not wait until they have symptoms or problems. Heart 57 00:04:19.319 --> 00:04:24.439 disease was listed as the leading cause of death in California in twenty twenty two. 58 00:04:26.639 --> 00:04:30.079 The Super Bowl winning Kansas City Chiefs have been invited to the White House 59 00:04:30.199 --> 00:04:34.480 again. White House Press Secretary Carine Jean Pierre was asked yesterday if Taylor Swift 60 00:04:34.560 --> 00:04:39.839 could tag along since she's dating tight end Travis Kelcey. Jean Pierre said that 61 00:04:39.879 --> 00:04:42.560 would be up to the Chiefs, but she also said she wasn't clear on 62 00:04:42.680 --> 00:04:46.439 whether the players are allowed to bring a guest. Hey, Nick Pouliochanni, 63 00:04:46.480 --> 00:04:49.759 don't you go anywhere? Oh I'm sticking around that, okay, So you 64 00:04:50.560 --> 00:04:54.439 have to tell you first. Thanks to Heather Brooker who filled in for me 65 00:04:54.560 --> 00:04:58.800 yesterday. I took a day off because it's a big tradition here in southern 66 00:04:58.800 --> 00:05:02.879 California for me to go and spend Super Bowl with one of my best friends, 67 00:05:02.959 --> 00:05:06.279 Amy, And she went, and she went and moved. So now 68 00:05:06.279 --> 00:05:11.560 I have to travel to where she is and we do a little football pool 69 00:05:11.879 --> 00:05:15.160 and Nick is involved with that too. A couple of people around the office, 70 00:05:15.279 --> 00:05:20.879 and then your husband, Brian is no sports fanatic, no, he 71 00:05:20.959 --> 00:05:25.680 is a sports ball fan across the board. Sports ball fan, yes, 72 00:05:25.839 --> 00:05:28.720 exactly. We laugh at it because that's what he calls it. So and 73 00:05:28.800 --> 00:05:32.079 of course we are little football pool. He was the big winner. He 74 00:05:32.360 --> 00:05:38.160 was. Yeah, he won first quarter, the first quarter, reverse and 75 00:05:38.199 --> 00:05:42.439 the final pool. Yeah. I don't know. Yeah, I mean, 76 00:05:42.439 --> 00:05:45.000 I've granted, I'm a happy man, don't get me wrong, but I 77 00:05:45.040 --> 00:05:46.439 was like, of course, the guy that didn't watch one second of the 78 00:05:46.480 --> 00:05:49.439 game, didn't even catch half time or any of the commercials. Yeah, 79 00:05:49.439 --> 00:05:53.600 he's the big winner. So I don't know. I might have to veto 80 00:05:53.680 --> 00:05:57.240 his winnings, but anyway, it's congratulations. I was there the whole time 81 00:05:57.360 --> 00:06:00.879 and then some so I would go gladly step in for on his behalf. 82 00:06:00.720 --> 00:06:06.160 Well, congratulations to Brian. Let's say good morning now to ABC's Geordana Miller 83 00:06:06.240 --> 00:06:12.319 in Jerusalem. Good morning, Jordana. So two hostages are out. Tell 84 00:06:12.399 --> 00:06:17.959 us what the reunions are like. Tearful, emotional. I mean, I 85 00:06:18.000 --> 00:06:24.560 think the country was really uplifted for a few hours after hearing the news of 86 00:06:24.600 --> 00:06:31.199 this really dangerous but successful at least on the Israeli side, successful rescue mission. 87 00:06:31.680 --> 00:06:38.360 Israeli commandos you know, went into this two story residential building in the 88 00:06:38.360 --> 00:06:44.639 heart of Rafa with you know, this is a densely populated area right now, 89 00:06:44.800 --> 00:06:49.480 filled with refugees. They snuck in to the area just before two am, 90 00:06:50.079 --> 00:06:55.639 blew out the doors of this building, went on very specific intelligence into 91 00:06:55.680 --> 00:07:00.600 one apartment, caught the Hamas captors by surprise, killed three of them, 92 00:07:00.319 --> 00:07:08.079 put repelling vess on the two Israeli hostages one sixty one seventy, and repelled 93 00:07:08.120 --> 00:07:13.680 them off the back of this building, off the second floor of balcony down 94 00:07:14.240 --> 00:07:19.319 to an alley where other troops whisked them off to a helicopter. All of 95 00:07:19.360 --> 00:07:26.199 that about twenty minutes until the helicopter took off and brought them safely a little 96 00:07:26.199 --> 00:07:31.399 bit more than that later to Achieva Medical Hospital. The family is obviously overjoyed. 97 00:07:32.639 --> 00:07:39.160 It is bittersweet because they're still one hundred and thirty hostages in the hands 98 00:07:39.160 --> 00:07:43.079 of Hamas. Okay, so, Jordana, you said that they had very 99 00:07:43.079 --> 00:07:47.879 specific intelligence, they knew that they were there. I'm curious as whether they 100 00:07:47.959 --> 00:07:53.680 know the location of several others and they're just waiting to go in. I'm 101 00:07:53.759 --> 00:07:56.399 sure they're not going to tell us this, but do you have any kind 102 00:07:56.439 --> 00:08:01.560 of indications that they may be getting ready to do anymore rescue. Well, 103 00:08:03.000 --> 00:08:07.160 the Defense minster said, you know, we may see more operations like this 104 00:08:07.279 --> 00:08:11.560 in the future, which indicates that Israel does have intelligence on where some of 105 00:08:11.600 --> 00:08:18.959 the other hostages are. Many of the hostages are deep underground, but we 106 00:08:18.120 --> 00:08:22.879 have learned from the hostages that came out that some of them are being kept 107 00:08:24.000 --> 00:08:31.440 above ground with families in apartment buildings. You know, one with one young 108 00:08:31.480 --> 00:08:39.639 Israeli girls kept was held captive by a Godwin who also was a teacher for 109 00:08:39.679 --> 00:08:46.759 the un So there are some areas where the hostages are above ground. And 110 00:08:48.720 --> 00:08:52.399 you know, we don't have specific information from Israel, nor would they tell 111 00:08:52.480 --> 00:08:54.960 us, but we do know that in this case, Israel knew about the 112 00:08:56.000 --> 00:09:01.360 location of these two hostages for some time. They had trained intensively and they 113 00:09:01.360 --> 00:09:07.720 were waiting for the right moment and the right intelligence to go in and get 114 00:09:07.720 --> 00:09:11.000 them out. Okay, And this happened in Rafa, which is near the 115 00:09:11.200 --> 00:09:18.399 border with Egypt. That Israel has said that they're going to launch an offensive, 116 00:09:18.399 --> 00:09:20.279 and there's been a lot of controversy about that too, because Rafa is 117 00:09:20.279 --> 00:09:26.399 also where the Palestinians have gathered after being told to get out of the north 118 00:09:28.279 --> 00:09:33.000 right. Rafa is a city that used to be home to about three hundred 119 00:09:33.039 --> 00:09:37.279 thousand Gossens. It's right on the border with Egypt and near the crossing where 120 00:09:37.279 --> 00:09:43.919 all the aid comes in during for this war. And now there's about one 121 00:09:43.960 --> 00:09:50.919 point two million Godsens there because about a million have come in to the Godza 122 00:09:50.960 --> 00:09:56.480 strips from They fled from the north from the center, you know, as 123 00:09:56.480 --> 00:10:01.799 the fighting intensified, they kept fleeing south. This area is filled with civilians 124 00:10:03.320 --> 00:10:07.159 and that's why Israel's Prime minister has now said that Israel's going to provide a 125 00:10:07.240 --> 00:10:11.559 plan, a detailed plan, and provide safe passage for Gosens to move out 126 00:10:13.279 --> 00:10:20.759 of the area before Israel launches a massive military operation in Rafa. That is 127 00:10:20.879 --> 00:10:24.759 what he is vowed to do. We talked to the army about it as 128 00:10:24.799 --> 00:10:28.279 reporters all the time, and they say we're putting the plan together. When 129 00:10:28.279 --> 00:10:31.200 we can tell you about it, we will. It appears that the most 130 00:10:33.039 --> 00:10:39.399 likely scenario is that Gosens will be moved to will be moved north to the 131 00:10:39.440 --> 00:10:46.759 northwest along the coast where there's already what we would call the safest area Mawassie, 132 00:10:46.360 --> 00:10:50.399 and that safe zone would be extended to the south and to the north, 133 00:10:52.559 --> 00:10:58.480 and Israel would try to move gossens there before going into Rafa. And 134 00:10:58.639 --> 00:11:05.039 Israel has a military strategic interest in going into Rafa. There are still Hamas 135 00:11:05.120 --> 00:11:11.759 battalions there that are intact, that haven't even been really fighting yet. Leaders 136 00:11:11.759 --> 00:11:16.840 are there hiding in the tunnels, The hostages are there, and there's cross 137 00:11:16.879 --> 00:11:20.919 border tunnels into Egypt that Israel wants to get control of as well. So 138 00:11:22.039 --> 00:11:24.679 it is, it is, it is. You know, it would be 139 00:11:24.799 --> 00:11:31.480 considered a failure if Israel never reached the Rafa area what Israel is called the 140 00:11:31.480 --> 00:11:35.240 Philadelphia Quarter. I mean, from the beginning we've been here covering the war 141 00:11:35.240 --> 00:11:39.399 and the military strategy, Rafa has always been on the map. Now the 142 00:11:39.440 --> 00:11:45.159 world is learning about it because all the refugees are there. But this was 143 00:11:45.240 --> 00:11:50.399 always going to be one of the aims of the military of the incursion of 144 00:11:50.440 --> 00:11:52.799 Gaza and getting rid of Hamas. We simply can't do it without getting to 145 00:11:52.879 --> 00:11:58.440 Rafa. Okay, well, thank you for the update on the hostages that 146 00:11:58.480 --> 00:12:01.200 are out. Let's hope they get some more and that the Palestinians who have 147 00:12:01.279 --> 00:12:07.159 to relocate again will get that safe passage that they need. All right, 148 00:12:07.320 --> 00:12:09.519 thank you so much. All right, appreciate your time. Dured Anna Miller 149 00:12:11.960 --> 00:12:13.759 Tux. Let's get back to some of the stories coming out of the KFI 150 00:12:13.799 --> 00:12:18.000 twenty four our newsroom. California lawmakers, along with the state Attorney General, 151 00:12:18.039 --> 00:12:22.559 have introduced a bill to reduce maternal and infant deaths within communities of color. 152 00:12:22.799 --> 00:12:26.840 Black women, as was stated by the ag we're three to four times more 153 00:12:26.960 --> 00:12:33.639 likely than their white counterparts to die from a pregnancy related cause. Assembly Member 154 00:12:33.759 --> 00:12:37.879 Lourie Wilson says the bill would require hospitals and healthcare facilities to get anti bias 155 00:12:37.919 --> 00:12:41.919 training and could face penalties if they don't. We know that it is entirely 156 00:12:41.000 --> 00:12:46.159 possible to reverse the mortality rates and morbidity rates that black women and women of 157 00:12:46.200 --> 00:12:50.320 color face as they are giving life. Black women in California make up five 158 00:12:50.320 --> 00:12:54.240 percent of those pregnant, but account for twenty one percent of the total pregnancy 159 00:12:54.279 --> 00:12:58.840 related deaths. Election officials in California are urging voters to send in their ballot 160 00:13:00.080 --> 00:13:03.200 the March fifth primary election sooner rather than later. They say mailing it in 161 00:13:03.279 --> 00:13:07.440 now is the best way to make sure it ends up in the first batch 162 00:13:07.480 --> 00:13:11.120 of results released. Once polls clothes, voters can sign up for the Where's 163 00:13:11.200 --> 00:13:15.840 My Ballot tracker to get text, email, or phone updates when their vote 164 00:13:15.879 --> 00:13:18.679 is processed. More than one hundred and forty animals have been cleared for adoption 165 00:13:18.720 --> 00:13:24.360 by the LA County Department of Animal Care and Control. The animals were stored 166 00:13:24.519 --> 00:13:30.000 in an illegal animal facility in Compton, which was investigated for neglect. Dogs, 167 00:13:30.080 --> 00:13:33.519 cats, turtles, chickens, snakes, rabbits, are a tortoise, 168 00:13:33.799 --> 00:13:37.320 a rooster, a pig, horse, a hamster, a hawk, and 169 00:13:37.440 --> 00:13:43.360 several lizards were all seased. Last month, another thirteen animals were found dead. 170 00:13:45.399 --> 00:13:50.399 Hey Bobby, Hi, She's so cool, isn't she? The Barbie 171 00:13:50.440 --> 00:13:54.039 is headed to the Hollywood Bowl. The live to film event will feature music 172 00:13:54.080 --> 00:13:58.279 from the highest grossing movie of twenty twenty three, The Barbie Land. Thin 173 00:13:58.399 --> 00:14:07.000 Finetia or Orchestra Sinfonieta Orchestra won't perform the film's score on July twenty seventh, 174 00:14:07.279 --> 00:14:11.600 as the movie plays on a giant led screen. Tickets will go on sale, 175 00:14:11.639 --> 00:14:13.799 but not until may you have to wait a little bit for that one. 176 00:14:15.000 --> 00:14:18.080 When we come back, we're going to find out if personal investing services 177 00:14:18.120 --> 00:14:22.320 are a good idea, and also how we can keep from racking up credit 178 00:14:22.320 --> 00:14:26.919 card debt as rent and prices remain stupidly high. It's how to Money with 179 00:14:26.200 --> 00:14:31.399 Joel Larscard. You're listening to wake Up Call on demand from KFI AM six 180 00:14:31.559 --> 00:14:35.000 forty. Here's what we're following in the KFI twenty four hour newsroom. Senate 181 00:14:35.039 --> 00:14:39.600 Democrats and Republicans have joined together to pass the ninety five billion dollar foreign aid 182 00:14:39.720 --> 00:14:43.919 package for Ukraine, Israel, and Taiwan. The bill passed after senators took 183 00:14:45.080 --> 00:14:48.399 border security out of the mix. It's headed to the House now, where 184 00:14:48.440 --> 00:14:52.080 Republicans have been pressuring House Speaker Mike Johnson to block aid to Ukraine until there's 185 00:14:52.120 --> 00:14:56.639 a deal on border security. The La City Council is going to consider whether 186 00:14:56.240 --> 00:15:01.240 calling for a report on whether it's feasible to require food labels to include the 187 00:15:01.279 --> 00:15:05.519 life cycle of food packaging and other products. To Council member se they want 188 00:15:05.519 --> 00:15:11.600 the information on labels to help consumers understand the long term impacts of packaging. 189 00:15:11.159 --> 00:15:16.039 UCLA running backs coach. Deshaun Foster is expected to be introduced as UCLA's new 190 00:15:16.120 --> 00:15:20.480 head football coach today, a day after the school completed a super quick search 191 00:15:20.559 --> 00:15:26.159 to replace Chip Kelly. Kelly's going to Ohio State. Earlier this month, 192 00:15:26.279 --> 00:15:30.639 Foster accepted a coaching position with the Raiders for the NFL, but then backed 193 00:15:30.679 --> 00:15:33.759 out of it when he had when the head coaching position opened up at as 194 00:15:33.799 --> 00:15:37.200 alma mater UCLA. At six oh five, it's handle on the news. 195 00:15:37.200 --> 00:15:41.440 Don't hold your breath for an interest rate hike, actually an interest crate interest 196 00:15:41.519 --> 00:15:46.759 rate reduction. The Fed is saying the rates probably won't come down till this 197 00:15:46.840 --> 00:15:50.679 summer. Right now, let's say good morning to the host of How to 198 00:15:50.720 --> 00:15:54.000 Money on KFI. It's Joel Larsgard. Good morning, Joel, morning Amy. 199 00:15:54.240 --> 00:16:00.320 Okay, so here's here's the question of the day. Personalized in liting 200 00:16:00.399 --> 00:16:03.480 services. What are they? And d you need them? Oh? That's 201 00:16:03.480 --> 00:16:07.639 a good question. So this is kind of we're seeing an uptick in these 202 00:16:07.679 --> 00:16:11.039 offerings through specifically through people's retirement plans at work, and so you might see 203 00:16:11.080 --> 00:16:17.120 it referred to in multiple different ways a personalized investing plan or a managed account. 204 00:16:17.440 --> 00:16:22.639 And this is something essentially where instead of you picking one, two, 205 00:16:22.840 --> 00:16:26.039 three funds on your own that you want to invest in, well, there's 206 00:16:26.039 --> 00:16:32.200 a pro behind the scenes who's kind of making sure that you're invested potentially in 207 00:16:32.240 --> 00:16:34.720 a way that they think is better for you, but there's a price tag 208 00:16:34.720 --> 00:16:38.320 attached to it, right. And the interesting thing is there was some data, 209 00:16:38.399 --> 00:16:42.600 there was some digging into what are these managed funds usually hold and are 210 00:16:42.600 --> 00:16:45.480 they are they better? Because it does sound nice, So maybe I'd pay 211 00:16:45.480 --> 00:16:51.039 a fee, a small fee in order to get like superior results or to 212 00:16:51.120 --> 00:16:55.000 be in superior investments that maybe me as a layperson, I'm not smart enough 213 00:16:55.039 --> 00:16:57.399 to choose, right, it would be good for me if it was a 214 00:16:57.399 --> 00:17:02.120 good deal, because yeah, I'm not good at this exactly. And so 215 00:17:02.159 --> 00:17:06.200 I think a lot of people think that because most Americans know little to nothing 216 00:17:06.200 --> 00:17:10.079 about investing, and so they're nervous and they think that the pro is going 217 00:17:10.160 --> 00:17:12.000 to know better than they are. But when you dig in and look at 218 00:17:12.119 --> 00:17:17.599 kind of what actually the funds that are being chosen in these managed accounts, 219 00:17:18.079 --> 00:17:22.720 it's most of the time, the overwhelming amount of the time, the fund 220 00:17:22.759 --> 00:17:26.359 selection is very very very similar to what you can get in a basic target 221 00:17:26.440 --> 00:17:30.920 date fund that's really dang cheap for in most plans to get. So it's 222 00:17:30.960 --> 00:17:37.400 a single fund that invests in an array of stocks and bonds, and it 223 00:17:37.400 --> 00:17:41.119 gets more conservative as you get closer to retirement age. So a target date 224 00:17:41.160 --> 00:17:45.440 fund for people is the knee jerk right selection. And it's so interesting that 225 00:17:45.480 --> 00:17:48.240 these managed accounts, which are going to charge you a lot, a lot 226 00:17:48.279 --> 00:17:52.359 more than you just picking your own target date fund off the rack, They're 227 00:17:52.400 --> 00:17:53.440 going to instead say, oh, well, we're going to give you this 228 00:17:53.480 --> 00:17:56.720 bespoke plan that actually looks a lot like the cheap thing you could get on 229 00:17:56.720 --> 00:18:02.319 your own pretty easily. Ah So, just like with everything else, you 230 00:18:02.359 --> 00:18:06.240 got to do your homework before you start investing your money. Yeah. So 231 00:18:06.319 --> 00:18:10.400 I think that these personalized investing plans, these managed accounts are most of the 232 00:18:10.440 --> 00:18:15.240 time, they're a solution in search of a problem. Because the solution target 233 00:18:15.319 --> 00:18:18.079 date funds, are already there for most people. And I'm not saying that 234 00:18:18.119 --> 00:18:21.200 target date funds makes sense for one hundred percent of investors out there, but 235 00:18:21.319 --> 00:18:25.519 man, if you the problem, most people don't think that a half a 236 00:18:25.559 --> 00:18:29.759 percent fee or a one percent fee sounds that sounds pretty reasonable, right. 237 00:18:29.799 --> 00:18:32.960 It doesn't sound like that's going to destroy your retirement savings or anything like that. 238 00:18:33.160 --> 00:18:36.319 But when you run the numbers, because of the way compounding returns work, 239 00:18:36.559 --> 00:18:41.000 a one percent fee over something like thirty or forty years is actually going 240 00:18:41.039 --> 00:18:45.039 to significantly hamper your returns to the tune of hundreds of thousands of dollars less 241 00:18:45.039 --> 00:18:48.559 that you're going to have in retirement because that money's not working for you. 242 00:18:48.640 --> 00:18:52.000 So it might sound insignificant. Oh, I can afford to pay the half 243 00:18:52.039 --> 00:18:56.880 a percent or one percent fee. But if you are able to instead pick 244 00:18:56.920 --> 00:18:59.599 a target date retirement fund, which is kind of what they would have put 245 00:18:59.599 --> 00:19:00.880 you in any it's going to save you a lot of money more of your 246 00:19:00.880 --> 00:19:04.000 money working for you, Okay, Jil, And where can we do some 247 00:19:04.160 --> 00:19:08.000 digging and find a target date retirement fund that might work for us? Sure? 248 00:19:08.039 --> 00:19:10.839 So if you're in the back end of your four oh one K, 249 00:19:11.039 --> 00:19:12.480 this is the same thing with your IRA. If you say, oh, 250 00:19:12.519 --> 00:19:15.200 man, I need I feel like I need some professional investing help. And 251 00:19:15.680 --> 00:19:19.000 it's not that that's never warranted. I think it is sometimes. And we 252 00:19:19.039 --> 00:19:22.440 can talk about kind of where the best place is to go do that. 253 00:19:22.559 --> 00:19:27.440 But most of the time you can easily find those funds in if you're with 254 00:19:27.480 --> 00:19:32.440 Fidelity, Vanguard, Schwab, where at whatever brokers you're with, you're looking 255 00:19:32.480 --> 00:19:36.400 to turn that cash that you've got stuck in there and put it into investments, 256 00:19:36.559 --> 00:19:38.759 you'll find their target date funds. Be careful. Places like Fidelity have 257 00:19:38.839 --> 00:19:42.319 two different kinds of target date funds for some reason. One that's really expensive 258 00:19:42.359 --> 00:19:45.400 and one that's really cheap. So look at those expense ratios. Typically the 259 00:19:45.440 --> 00:19:49.400 expense race show is going to be point one point one five in that range. 260 00:19:49.559 --> 00:19:52.200 That's really cheap, and that's that's what you want to that's what you 261 00:19:52.240 --> 00:19:56.559 want to drill down on, because the lower the expense ratio on those target 262 00:19:56.640 --> 00:20:00.000 day funds, the more your money's working for you. Okay, all right, 263 00:20:00.079 --> 00:20:03.720 And you just mentioned the solution in search of a problem, which reminded 264 00:20:03.759 --> 00:20:06.240 me of something. And I'm not sure if you're familiar with these things and 265 00:20:06.279 --> 00:20:11.359 whether they're a good deal, But have you seen the mortgage title protection plans? 266 00:20:11.720 --> 00:20:14.519 Oh? Yeah, yeah, I've seen those for sure. Do you 267 00:20:14.640 --> 00:20:18.480 know anything about them? That's again, that's not really a massive problem for 268 00:20:18.559 --> 00:20:25.119 people, and most of the time that they're not actually offering you the protection 269 00:20:25.599 --> 00:20:29.000 that they're saying, and so it's kind of an effort to it's kind of 270 00:20:29.000 --> 00:20:32.720 a scare tactic to say, Oh it's scary. Yeah, like, hey, 271 00:20:32.720 --> 00:20:34.559 somebody can take the title to your house. You wouldn't even know about 272 00:20:34.599 --> 00:20:37.400 it. The county clerks can't refuse it, and all of a sudden you 273 00:20:37.400 --> 00:20:41.839 don't have the title to your home and somebody else owns your home. Yeah. 274 00:20:41.839 --> 00:20:44.839 And I'm not going to say that it never happens and that it isn't 275 00:20:45.559 --> 00:20:49.960 a problem. And I think that the solution that's being offered is pretty inexpensive, 276 00:20:49.960 --> 00:20:52.799 and it's a monthly, you know, monthly fee to have this person 277 00:20:53.039 --> 00:20:56.240 try to protect you. I would say, instead, freeze your credit and 278 00:20:56.319 --> 00:21:00.400 just make sure you're paying attention if you get any weird mail in in the 279 00:21:00.400 --> 00:21:03.680 mailbox. Okay, Joel ours guard. We're out of time again. I 280 00:21:03.720 --> 00:21:07.160 hate that. Hey, just have to come back next week. Oh that's 281 00:21:07.200 --> 00:21:10.920 a great idea. Or you could also listen to Joel. He's on Sundays 282 00:21:10.920 --> 00:21:14.680 from noon to two. It's how to Money with Joel, and that's how 283 00:21:14.680 --> 00:21:18.359 to Money Joel, or at how to Money Joel on Instagram. Thanks again 284 00:21:18.400 --> 00:21:21.200 for the great advice and we will look forward to talking to you next week 285 00:21:21.240 --> 00:21:23.960 and hearing you Sunday sounds good. Thanks Amy, Take care. Let's get 286 00:21:23.960 --> 00:21:26.599 back to some of the stories coming out of the KFI twenty four hour newsroom. 287 00:21:26.599 --> 00:21:30.200 Officials in Orange County say three large homes on an eroded cliff side and 288 00:21:30.279 --> 00:21:34.480 Data Point do not appear to be in danger of collapsing. Supervisor Katrina Fulling 289 00:21:34.680 --> 00:21:40.000 says a building inspector found no structural damage yesterday and the homes aren't expected to 290 00:21:40.039 --> 00:21:44.119 be red tagged. The landslide happened early last week on a bluff top along 291 00:21:44.160 --> 00:21:47.240 Scenic Drive. One home is right on the edge of the slide, but 292 00:21:47.279 --> 00:21:49.720 the city says there's no imminent threat to the house and no further action is 293 00:21:49.759 --> 00:21:53.799 being taken at this time. News brought to you by one eight hundred got 294 00:21:55.000 --> 00:21:57.440 junk. The top four candidates hoping to fill the US Senate seat of the 295 00:21:57.519 --> 00:22:03.160 late Dianne Feinstein have done their second debate. Democrats Adam Schiff, Katie Porter, 296 00:22:03.400 --> 00:22:07.079 and Barbara Lee all took shots at Republican Steve Garvey, who they say 297 00:22:07.359 --> 00:22:11.519 supports former President Trump. Schiff began to argue that Trump is a threat to 298 00:22:11.559 --> 00:22:18.079 democracy, but Garvey fired back nostry the greatest single threat to democracy is deconstruction 299 00:22:18.359 --> 00:22:25.839 of the Constitution, packing new court, doing away with a filibuster. The 300 00:22:25.880 --> 00:22:29.440 candidate's also argued about things like the economy, crime, homelessness, and the 301 00:22:29.440 --> 00:22:33.599 war between Israel and Hamas. The event yesterday was hosted and moderated by Inside 302 00:22:33.640 --> 00:22:37.519 California Politics, and House Republicans are expected to vote again on whether to impeach 303 00:22:37.559 --> 00:22:44.160 Homeland Security Secretary Alejandro Majorcis. They appear to have the one extra vote they 304 00:22:44.160 --> 00:22:48.039 need tonight to succeed. ABC's Andyfield says the Department of Homeland Security has sent 305 00:22:48.079 --> 00:22:52.119 a memo to House Republicans saying even members of their own party have said there's 306 00:22:52.160 --> 00:22:56.519 no reason to remove Majorcis from office. That letter quotes nearly ten House and 307 00:22:56.559 --> 00:23:00.880 Senate Republicans who said it is not an MP table offense, one calling this 308 00:23:02.000 --> 00:23:06.359 quote the dumbest exercise and a waste of time. Democrats say even if the 309 00:23:06.400 --> 00:23:10.279 House votes to impeach Majorcis, the effort will not succeed in the Senate. 310 00:23:10.680 --> 00:23:12.519 When we come back, we're going to be talking to Tom Rivers from MAYBC 311 00:23:12.799 --> 00:23:17.960 about how some of our allies are looking to beef up their defenses to make 312 00:23:18.160 --> 00:23:22.359 Europe stronger and whether it has anything to do with former Presidents Trump's tough talk 313 00:23:22.359 --> 00:23:26.759 about NATO countries that don't pay their bills. South End Weather from KFI. 314 00:23:26.960 --> 00:23:32.240 Sunny and cool within the low to upper sixties, fifties in the high desert, 315 00:23:32.519 --> 00:23:36.160 morning clouds, afternoon sun for Tomorrow and Thursday. Partly cloudy on Friday 316 00:23:36.160 --> 00:23:38.400 with highs in the sixties to about seventy. Got a twenty to thirty percent 317 00:23:38.480 --> 00:23:41.160 chance of rain Saturday and Sunday, and then a better chance we'll see some 318 00:23:41.279 --> 00:23:47.279 rain for Washington's birthday Monday. You're listening to a wake up call on demand 319 00:23:47.440 --> 00:23:51.319 from KFI Am six forty. Here's what we're following in the KFI twenty four 320 00:23:51.279 --> 00:23:53.960 hour newsroom. The Senate has passed a ninety five billion dollars aid package for 321 00:23:55.119 --> 00:23:59.720 Ukraine, Israel, and Taiwan. The vote followed an overnight session after months 322 00:23:59.759 --> 00:24:03.599 of heagling over a bill that also included border security. Well border funding was 323 00:24:03.640 --> 00:24:06.599 taken out of this aid package. It now heads to the House. The 324 00:24:06.680 --> 00:24:11.039 package passed in the Senate on a seventy to twenty nine vote. Israel and 325 00:24:11.079 --> 00:24:15.240 Hamas are reportedly making progress toward a deal for a ceasefire and the freeing of 326 00:24:15.279 --> 00:24:19.039 hostages. The talks are moving forward even after Israel intensified its offensive in the 327 00:24:19.079 --> 00:24:25.599 southern Gaza town of Rafa and rescued two hostages along with along the Egyptian border. 328 00:24:25.839 --> 00:24:29.519 Local health officials say at least seventy four Palestinians were killed in that raid. 329 00:24:29.960 --> 00:24:33.279 The longest Super Bowl game will also go down as the most watched TV 330 00:24:33.440 --> 00:24:38.599 program ever. Kansas City's twenty five to twenty two overtime victory over San Francisco 331 00:24:38.839 --> 00:24:44.920 Boo Hiss averaged one one hundred and twenty three point four million viewers across TV 332 00:24:45.119 --> 00:24:48.640 and streaming platforms. That shattered last year's mark of one hundred and fifteen point 333 00:24:48.640 --> 00:24:53.680 one million for Kansas City's last play victory over Philadelphia. It's a seven percent 334 00:24:53.720 --> 00:24:56.799 increase. At six oh five, it's handle on the news. Lift and 335 00:24:56.880 --> 00:25:03.000 door dash drivers are going on strike on Valentine's Day. At five fifty, 336 00:25:03.000 --> 00:25:06.519 we're going to be talking about romance, speaking of Valentine's Day and how to 337 00:25:06.559 --> 00:25:11.559 protect your heart and your wallet against scammers. Right now, let's say good 338 00:25:11.640 --> 00:25:15.640 morning to ABC's Tom Rivers in London. Tom. As the war rages on 339 00:25:15.680 --> 00:25:21.640 in Ukraine, Poland, France and Germany say they're beefing up their defenses. 340 00:25:21.839 --> 00:25:26.640 Why are they doing this now? Yeah, they're kind of using this language 341 00:25:26.680 --> 00:25:29.519 and it pops up, and it has popped up over the years, over 342 00:25:29.559 --> 00:25:33.920 the decades. It kind of comes after the comments made by former President Trump 343 00:25:34.480 --> 00:25:40.319 basically saying you have to hit that target of two percent of GDP to be 344 00:25:40.559 --> 00:25:42.839 in the Alliance club, and if you're not, you know, one for 345 00:25:42.920 --> 00:25:48.359 all and all for one may not really apply. So there's kind of thinking 346 00:25:48.359 --> 00:25:52.240 that, well, finally some of the European countries might have to actually annie 347 00:25:52.319 --> 00:25:57.640 up and start paying their fair share or their proportion of fair share for defense. 348 00:25:59.119 --> 00:26:03.279 And we're seeing that possibility. A meeting yesterday outside of Paris had the 349 00:26:03.319 --> 00:26:07.480 leaders of Poland, France and Germany talking and discussing that very point. Talking 350 00:26:07.599 --> 00:26:14.720 is very important at this point. Practicality maybe another measure, as their political 351 00:26:14.799 --> 00:26:18.480 fortunes often do not look very good. Schultz, for instance, has lower 352 00:26:18.759 --> 00:26:23.839 approval ratings than President Biden. Macron not looking very well as well. So 353 00:26:25.319 --> 00:26:29.839 yeah, politics and military mixing, and it's all part of a campaign year 354 00:26:29.880 --> 00:26:33.359 as well. Okay, so Tom, is it is are there discussions to 355 00:26:33.680 --> 00:26:41.359 beef up their defense spending? Is that directly tied to NATO and the talks 356 00:26:41.440 --> 00:26:44.559 the Trump is basically you just said he said if you don't pay up, 357 00:26:44.559 --> 00:26:48.279 you're not part of it? Or or is this a separate thing that the 358 00:26:48.400 --> 00:26:52.319 three countries are looking to do. It's been Yes, it's separate thing. 359 00:26:52.359 --> 00:26:53.839 It has been ongoing for a long long time. When I used to cover 360 00:26:55.000 --> 00:27:00.720 NATO defense in Foreign ministers meetings in the late eighties, Secret Very General Lord 361 00:27:00.759 --> 00:27:03.599 Carrington at the time, if we showed up a day early, a few 362 00:27:03.599 --> 00:27:07.000 of us would get about ten minutes of quotes to work up our stories, 363 00:27:07.000 --> 00:27:10.359 and then he said, let's go to the bar and we talk informally. 364 00:27:11.079 --> 00:27:14.839 And at that time he basically said, over the horizon, someday there may 365 00:27:14.880 --> 00:27:18.759 be a rift who knows, between the US and the European powers. And 366 00:27:19.279 --> 00:27:22.799 he says, you keep watching this one, you're gonna hear more and more 367 00:27:22.920 --> 00:27:26.920 talk over the years or decades that the EU may have to get an army, 368 00:27:27.319 --> 00:27:33.160 may have to beef up their own if you will resources in tandem with 369 00:27:33.359 --> 00:27:37.359 NATO. And that didn't sound very ringing, very true back then, but 370 00:27:37.680 --> 00:27:41.960 guess what, twenty twenty four, it sounds more plausible. So yes, 371 00:27:42.000 --> 00:27:45.480 this has been talked about for a long long time. It is not really 372 00:27:45.519 --> 00:27:49.079 knee jerk. But again, that's what the headlines are grabbing, certainly here 373 00:27:49.079 --> 00:27:55.200 in Europe reaction to Trump. But it's something that's been on going for a 374 00:27:55.240 --> 00:28:00.039 long period of time of beefing up their own defense, not relying on the 375 00:28:00.119 --> 00:28:04.200 US taxpayer each and every time. So yes, it's it's something that is 376 00:28:04.240 --> 00:28:07.480 something grist for the middle and keep watching that, okay. And then is 377 00:28:07.480 --> 00:28:12.839 there also a heightened awareness of this or maybe need for this because of what's 378 00:28:12.880 --> 00:28:18.799 going on with Russia and Ukraine that there's feeling like if Russia does take Ukraine, 379 00:28:19.599 --> 00:28:25.240 they might come after one of their countries next. Yeah, I think 380 00:28:25.359 --> 00:28:27.720 really behind the scenes, no one is putting a whole lot of weight in 381 00:28:27.799 --> 00:28:33.720 that. That really that that grabs headlines, you know, and and you 382 00:28:33.799 --> 00:28:38.680 hear it occasionally. But again he rolled back the clock. When I was 383 00:28:38.680 --> 00:28:44.400 covering NATO, there were sixteen countries. A few years later you had the 384 00:28:44.400 --> 00:28:48.279 fall of Berlin, Wall, and you had an agreement between James Baker and 385 00:28:49.119 --> 00:28:52.880 we had Gorbachev in power saying, look, you can have Germany, you 386 00:28:52.880 --> 00:28:56.079 can be reunited. It can be a NATO. That's fine, but don't 387 00:28:56.519 --> 00:29:02.599 don't expand don't head you know in direction of the East. Well that number 388 00:29:02.640 --> 00:29:04.920 is now at thirty one, soon to be thirty two. So those countries 389 00:29:04.920 --> 00:29:10.880 have doubled in the alliance since then, and they're getting ever ever closer to 390 00:29:11.799 --> 00:29:17.400 Russia. And it really does beg the question why is that happening? Who 391 00:29:17.519 --> 00:29:22.799 benefits? And it certainly goes against the principles that were laid down in ninety 392 00:29:22.839 --> 00:29:27.039 one when Gorbachev struck a deal with the US of A. Okay, well, 393 00:29:27.240 --> 00:29:30.319 we'll be watching to see what they do. As always, thank you 394 00:29:30.319 --> 00:29:36.160 for the update, Tom Rivers. Take care. All right, let's get 395 00:29:36.160 --> 00:29:37.839 back to some of the stories coming out of the KFI twenty four hour newsroom. 396 00:29:37.920 --> 00:29:42.200 A tree has fallen in LA's Beverly Crest neighborhood. It's knocked down several 397 00:29:42.240 --> 00:29:48.119 power lines. This morning, Coldwater Canyon Avenue and Eden Driver closed. Several 398 00:29:48.200 --> 00:29:51.880 days of rain are headed to southern California once again. The National Weather Services 399 00:29:51.960 --> 00:29:56.559 Joe Serrard says La County has the potential of getting two to five inches, 400 00:29:56.640 --> 00:29:59.960 while the south and southwest slopes could get up to eight inches of rain. 401 00:30:00.079 --> 00:30:06.039 To the existing wet ground conditions, we will have the possibility of a risk 402 00:30:06.079 --> 00:30:11.000 of flooding and mudslides, So folks that are in those susceptible areas really need 403 00:30:11.039 --> 00:30:14.720 to pay attention to the forecast over the next several days. Sirard says that 404 00:30:14.759 --> 00:30:18.440 includes anywhere near recent burn areas, steep terrain, or regions susceptible to rock 405 00:30:18.480 --> 00:30:22.519 slides. The storm system is forecast to hit southern California sometime this weekend into 406 00:30:22.559 --> 00:30:27.079 next week. The American Red Cross is asking for blood or platelet donations ahead 407 00:30:27.079 --> 00:30:32.599 of winter storms this week, possibly disrupting blood drives. The call comes amid 408 00:30:32.599 --> 00:30:36.559 a significant drop in the blood supply in recent weeks. The Red Cross says 409 00:30:36.599 --> 00:30:40.960 anyone who donates this month will get a twenty dollars Amazon gift card. Police 410 00:30:40.960 --> 00:30:45.160 in Texas say the woman shot and killed by two off duty police officers at 411 00:30:45.200 --> 00:30:49.160 Joel Ostein's church had an assault style rifle with the word Palestine on it, 412 00:30:49.559 --> 00:30:55.359 but no motive was announced. A man and the shooter's son were hurt on 413 00:30:55.480 --> 00:30:59.440 Sunday. The boy is in critical condition. One person has been killed five 414 00:30:59.480 --> 00:31:04.440 others hurt in a shooting at a subway station in the Bronx. Police say 415 00:31:04.480 --> 00:31:10.200 a fight broke out among two groups of teenagers yesterday on a northbound train and 416 00:31:10.240 --> 00:31:14.039 it carried out onto the platform and then someone started shooting. Most of those 417 00:31:14.160 --> 00:31:18.079 hurt were people standing on the platform waiting for a train. Police are still 418 00:31:18.119 --> 00:31:22.480 looking for the shooter. King Charles has returned to London from his country retreat 419 00:31:22.519 --> 00:31:26.359 for what is expected to be more cancer treatment. Royal officials announced the King's 420 00:31:26.359 --> 00:31:30.000 diagnosis last week and said he would suspend public engagements but would still manage state 421 00:31:30.079 --> 00:31:33.680 business like signing papers. They didn't say what kind of cancer he has, 422 00:31:33.799 --> 00:31:40.119 but that it is not related to his recent treatment for a benign prostate condition. 423 00:31:40.839 --> 00:31:45.599 Hey, did you ever see what Buffalo Wild Wings said? They said 424 00:31:45.680 --> 00:31:51.519 if the Super Bowl game went into overtime, they'd give everybody free Buffalo Wild 425 00:31:51.599 --> 00:31:55.920 wings. Well, Buffalo Wild Wings is making good on that promise, giving 426 00:31:55.960 --> 00:32:00.960 away free wings. The date for the free wings is February twenty six, 427 00:32:00.480 --> 00:32:06.599 so you can redeem six free boneless or traditional wings at Buffalo Wild Wings on 428 00:32:06.640 --> 00:32:09.759 that day from two to five pm. The restaurant says the offer is only 429 00:32:09.799 --> 00:32:15.519 available for dine in and in person takeout only. So if you want some 430 00:32:15.599 --> 00:32:21.279 free wings and I love me some Buffalo Wild Wings, mark and my calendar 431 00:32:21.319 --> 00:32:25.240 for February twenty six. You're listening to wake Up Call on demand from KFI 432 00:32:25.400 --> 00:32:29.480 Am six forty. Boy. This hour's gone by fast. It always does, 433 00:32:29.599 --> 00:32:31.799 especially on busy news days. If you missed any of wake Up Call, 434 00:32:32.000 --> 00:32:37.400 you can always go back and listen to it anytime on the iHeartRadio app. 435 00:32:37.680 --> 00:32:40.400 Here's what we're following in the KFI twenty four hour newsroom. Senate Democrats 436 00:32:40.400 --> 00:32:44.799 and Republicans have joined together to pass a ninety five billion dollar four in aid 437 00:32:44.839 --> 00:32:49.079 package for Ukraine, Israel, and Taiwan. The bill passed after senators took 438 00:32:49.119 --> 00:32:52.400 border security out of the mix. It's headed to the House now. Republicans 439 00:32:52.440 --> 00:32:55.880 have been pressuring House Speaker Mike Johnson to block aid to Ukraine until there's a 440 00:32:55.920 --> 00:33:01.799 deal on border security. The La City Council will consider calling for a report 441 00:33:01.880 --> 00:33:07.000 on whether it's feasible to require food labels to include the life cycle of food 442 00:33:07.039 --> 00:33:10.599 packaging and other products. The two of the council members say they want the 443 00:33:10.640 --> 00:33:15.880 information on the labels so consumers can better understand the long term impacts of packaging. 444 00:33:16.599 --> 00:33:21.640 A lost and naked hiker has been rescued from a remote area in Chatsworth, 445 00:33:21.759 --> 00:33:23.240 LA. Fire found the guy around nine thirty last night sitting in some 446 00:33:23.319 --> 00:33:28.079 brush with no clothes on after people reported hearing a man calling for help. 447 00:33:28.480 --> 00:33:31.519 He was hoisted to safety and taken to the hospital. We're just minutes away 448 00:33:31.519 --> 00:33:35.200 from handle. On the news this morning, a second debate has been held 449 00:33:35.200 --> 00:33:38.039 for the candidates looking to fill the seat held for decades by Dianne Feinstein? 450 00:33:38.359 --> 00:33:43.000 Did any of them move the needle? Bill's going to weigh in on that 451 00:33:45.160 --> 00:33:52.279 all the wrong place. Let's say good morning now to the president of the 452 00:33:52.319 --> 00:33:58.799 North American Securities Administrators Association, Claire McHenry. Good morning, Claire, thank 453 00:33:58.799 --> 00:34:00.920 you for having me. Sure you might be asking yourself as you hear me. 454 00:34:01.720 --> 00:34:07.000 Introduce Claire, what does North American securities have to do with looking for 455 00:34:07.119 --> 00:34:09.800 love? Well, it has to do with it because a lot of people 456 00:34:09.840 --> 00:34:16.320 are getting scammed in the romance department. That's right, a romance scam is 457 00:34:16.360 --> 00:34:22.079 when someone is looking to build a relationship with you and they use that relationship 458 00:34:22.119 --> 00:34:24.639 to build trust, and once it's created, they'll start to ask for money 459 00:34:24.760 --> 00:34:29.239 or an investment. It can start out small, but it can grow pretty 460 00:34:29.239 --> 00:34:32.159 big over time. We've also seen it track the headlines. We're getting complaints 461 00:34:32.199 --> 00:34:37.320 now about digital assets and artificial intelligence. What what do you mean by digital 462 00:34:37.400 --> 00:34:43.400 assets and artificial intelligence? So the investment up I'll get you to try and 463 00:34:43.440 --> 00:34:49.400 invest in will involve something including digital assets like cryptocurreent okay or artificial intelligence okay, 464 00:34:49.760 --> 00:34:53.480 and tell us that you said they'll they earn your trust. So I'm 465 00:34:53.519 --> 00:34:59.760 guessing that you're talking about meeting somebody in an online dating platform or maybe on 466 00:34:59.800 --> 00:35:04.119 a social media platform. And what are the kinds of things that they start 467 00:35:04.159 --> 00:35:07.079 doing, Because we obviously want people to protect themselves, So what should they 468 00:35:07.119 --> 00:35:12.440 be watching for on whether it might be a person who's really interested in you 469 00:35:12.599 --> 00:35:16.280 or maybe a person who's looking out to take your money. So we often 470 00:35:16.320 --> 00:35:21.519 see that these start out as a text or a post on social media or 471 00:35:21.719 --> 00:35:25.000 dating app. They'll use fake names, fake photos, and fake stories in 472 00:35:25.119 --> 00:35:29.159 order to get you interested. But we do see a lot of warning signs 473 00:35:29.159 --> 00:35:32.159 when it comes to these types of romance scans. Often they'll make an excuse 474 00:35:32.280 --> 00:35:36.400 not to meet. They'll be traveling for work, or they may live in 475 00:35:36.400 --> 00:35:39.639 a different country. Also, they may be bragging about how wealthy and successful 476 00:35:39.679 --> 00:35:44.000 they are. They may even talk about managing your money or the types of 477 00:35:44.039 --> 00:35:47.159 investments that they're in. But these investments often come with the promise of no 478 00:35:47.320 --> 00:35:52.320 risk in high return, and that's just not how investments work. They may 479 00:35:52.360 --> 00:35:55.559 even pressure you or threaten to end the relationship if you don't give you give 480 00:35:55.599 --> 00:36:01.480 them money, but they'll make you want to invest by using your fear of 481 00:36:01.519 --> 00:36:06.039 missing out. But when it comes to these investments, left out is often 482 00:36:06.079 --> 00:36:09.679 the best place to be. Okay, And you said that they build trust, 483 00:36:09.679 --> 00:36:14.320 so this takes a while though. It's not like you reach out and 484 00:36:14.360 --> 00:36:15.599 talk to somebody and then go, oh, I'm going to give you money 485 00:36:15.679 --> 00:36:21.760 like they kind of they cull the relationship and make you believe that they really 486 00:36:21.800 --> 00:36:24.320 want to be in a relationship, and then and then that's when things start 487 00:36:24.360 --> 00:36:30.199 to go south. Is that right? That's right. They'll often use fake 488 00:36:30.280 --> 00:36:34.800 names and fake profiles to get you interested, but they'll also be talking to 489 00:36:34.800 --> 00:36:37.800 you and trying to pressure them the relationship to move pretty quickly. This person 490 00:36:37.840 --> 00:36:42.840 will seem perfect and just like everything you've ever wanted, but it often also 491 00:36:42.920 --> 00:36:46.679 comes with a promise or a request for money or to seek investments from you. 492 00:36:47.000 --> 00:36:51.920 Okay, And for those who do end up falling victim to a romance 493 00:36:51.960 --> 00:36:54.320 scam, is there anything they can do to fight back or do you just 494 00:36:54.440 --> 00:36:59.119 kind of like no lesson learned? Well, there are things that you can 495 00:36:59.159 --> 00:37:00.880 do to protect yourself off, and one is to learn the warning signs of 496 00:37:00.920 --> 00:37:05.440 a romance scam. You should also do research on anything that they're pitching to 497 00:37:05.519 --> 00:37:08.159 you. If you ask a lot of questions and if you just don't understand 498 00:37:08.239 --> 00:37:12.519 the answers, you can just walk away and not invest. But it's also 499 00:37:12.519 --> 00:37:15.760 a good idea to keep your guard up. A new romantic partner should be 500 00:37:15.760 --> 00:37:19.639 interested in a relationship and building a relationship with you, not trying to get 501 00:37:19.679 --> 00:37:22.400 you and to invest in something. But we can also check out their background 502 00:37:22.960 --> 00:37:27.719 and making a complaint to your state securities regulator. You can find our contact 503 00:37:27.760 --> 00:37:34.119 information at NASA dot org. That's NASAA dot org. Okay, And just 504 00:37:34.599 --> 00:37:38.679 when it comes to your heart. Let the buyer beware with this with everything. 505 00:37:38.719 --> 00:37:42.760 Claire mcchenry, thank you so much for the information. Hopefully it'll help 506 00:37:42.800 --> 00:37:46.000 some people from you know, becoming vulnerable to bad guys when they just want 507 00:37:46.000 --> 00:37:50.440 a little love. Thank you for having me. All right, take care. 508 00:37:51.119 --> 00:37:52.360 Let's get back to some of the stories coming out of the KFI twenty 509 00:37:52.360 --> 00:37:58.199 four hour newsroom. Researchers say human caused climate change in the US is reversing 510 00:37:58.320 --> 00:38:01.800 decades of gains brought by the Clean Air Act of nineteen seventy. They say 511 00:38:01.800 --> 00:38:07.360 wildfires in California and the West are causing the most damage. Because microscopic particles 512 00:38:07.400 --> 00:38:10.679 found in smoke can travel deep into the lungs and enter the bloodstream. Long 513 00:38:10.760 --> 00:38:15.400 term exposure is linked to Alzheimer's disease and dementia, multiple types of cancer, 514 00:38:15.440 --> 00:38:20.639 and cardiovascular disease, among other things. Experts warn it could get worse in 515 00:38:20.679 --> 00:38:25.280 the next thirty years. Added back, a small private plane had just taken 516 00:38:25.320 --> 00:38:30.760 off from Buffalo Niagara International Airport in New York when it lost its rear door. 517 00:38:30.199 --> 00:38:34.360 The single engine plane had two people on board. Last night, sound 518 00:38:34.360 --> 00:38:37.519 from ATC Audio shows the pilot declared an emergency and we locked our back door. 519 00:38:38.920 --> 00:38:44.039 Charlie Alpatawer Roger Woent com that you couldn't land any rue what you want 520 00:38:44.079 --> 00:38:46.840 free two. No one was hurt. The FAA is investigating. Public health 521 00:38:46.840 --> 00:38:51.840 officials in Oregon have reported a case of bubonic plague at a local resident. 522 00:38:52.519 --> 00:38:57.119 They say the infected person probably got the plague from a pet cat. Officials 523 00:38:57.119 --> 00:39:00.920 say it poses little risk to the community. Symptoms of the play include the 524 00:39:00.000 --> 00:39:04.480 sudden onset of fever, nausea, weakness, chills, and muscle aches. 525 00:39:04.920 --> 00:39:09.440 The start two today to eight days after exposure. Treatment involves very strong antibiotics. 526 00:39:09.800 --> 00:39:15.159 Super Bowl fifty eight has been named the most watched telecast of all time 527 00:39:15.280 --> 00:39:17.840 on CBS streaming and various channels. One hundred and twenty three point four million 528 00:39:17.840 --> 00:39:22.480 people tuned in, according to CBS and the first number is compiled by Nielsen 529 00:39:22.480 --> 00:39:27.239 and Adobe Analytics. ABC's Jason Nathanson says this year's number is ten percent higher 530 00:39:27.280 --> 00:39:30.559 than during last year's game between the Eagles and the Chiefs. He says if 531 00:39:30.599 --> 00:39:34.000 you count people who watched all or part of the broadcast on Sunday, the 532 00:39:34.079 --> 00:39:37.400 number climbs to more than two hundred million. I was one of them. 533 00:39:37.440 --> 00:39:43.440 What a game. I'm still heartbroken though, my niners. This is KFI 534 00:39:43.480 --> 00:39:47.480 and KOSTHD two, Los Angeles, Orange County. You've been listening to Wake 535 00:39:47.559 --> 00:39:52.320 Up Call with me Amy King. You can always hear Wakeup Call five to 536 00:39:52.360 --> 00:39:57.719 six am Monday through Friday on KFI AM six forty and anytime on demand on 537 00:39:57.800 --> 00:39:59.239 the iHeartRadio app