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You're listenings KFI AM six forty the
Bill Handles show on demand on the iHeartRadio

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app. Quick reminder that Sunday,
I'm sorry, Sunday July fourteen Basteel Day,

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where we all celebrate of the French
July fourth Well, okay, but

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Anaheim White House is doing exactly that
and is having a Basteel Day event,

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which Neil and I are going to. And it's French food all the way

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down, very high end, ninety
five bucks ahead, so it's not inexpensive,

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but it's a real destination restaurant and
the way the food there is phenomenal,

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and Neil and I will be there
so you can come by and watch

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me stuff my face and talk to
you with my mouth full and food spraying

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out of my mouth. So go
to Anaheim Whitehouse dot com. We only

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have I think there are six tickets
left, so that means twelve people the

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first twelve callers. You have to
be the first twelve callers. I think

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you reversed that. It is probably
twelve seats left. So oh yeah,

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couples, yeah, yeah, very
the one Yeah, it's all right,

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okay, got it, Uh,
never mind, all right, Joel larsguard

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how to money, Joel, who
has heard? Of course, I didn't

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put that up Saturdays, Sunday Days, Sundays. I'm sorry it wasn't put

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up. And if it's not put
up, I always forget everybody. A

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matter of fact, I wouldn't even
know your name if it wasn't up there.

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All right, Joel, let's get
right into it, because we have

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a few things to cover. California
car insurance. Oh, we didn't know

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that that those prices were going up, did we? I just got my

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renewal. I couldn't believe it.
You're not what's going on? Yeah?

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Well, and you would think it's, oh, is this just a California

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specific thing, but no, it's
not. This is happening all across the

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country. It feels really palpable for
certain specific homeowners and drivers in the state

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of California, though too so.
The Wall Street Journal literally had an article

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this morning and it says home insurance
premiums are surging and states are allowing it,

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and so like what they're hinting at
is that these the insurance commissioners of

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states around the country are just like
taking it on the chin. They're allowing

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these insurance companies to run amuck and
to increase prices at record rates. And

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that is true, but it's also
interesting because these insurance companies, they've been

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losing money, like they haven't been
doing so hot. Inflation means that if

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something happens to your home, something
happens to your car, the fix costs

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a lot more than it did a
few years ago. There are more wildfires,

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of course, in the state of
California. When you're talking about places

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like Florida, you're talking about hurricanes
and storms, and so their prices of

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skyrocketed, and yes, they are
pushing back and those prices are rising,

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and then all of us in the
shakeout, we're paying a whole lot more

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because of it, and we're shocked
when we get that renewal. Notice.

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Yeah, even within California, the
insurance company is and rates are completely controlled

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by the insurance Commissioner, who is
an elected official. So he is a

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lot more in tune with what we
want than what the insurance companies want.

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There's no question about that. And
he is allowing all of that to happen,

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I guess because he has no choice, exactly, because otherwise they're walking

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out the door. Yes, exactly, that's what's happened with some of these

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insurance companies, and so they've they
said, listen, if you're not going

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to allow us this rate increase,
well we can't continue to write policies at

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an extreme loss for forever. And
so it's this dance that has to go

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back and forth between the Commissioner and
the insurance companies to say, well,

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what are we going to allow,
what how much are we going to allow

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rate hikes? What sort of restrictions
are going to are we going to allow

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on writing policies. For instance,
they've been able to get some concessions on

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writing policies in more wild wildfire prone
areas, but at the same time then

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they have to say, well,
you're going to be able to We're going

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to allow you to increase your rates
by twenty nine thirty two percent, and

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so yeah, it's it's a really
tough position for consumers. And we just

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got inflation numbers today. Inflation is
ticking down slowly but surely. But one

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thing that's not going away is the
insurance price increases like that that's just going

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to continue to frustrate people. But
we need more competition, we need more

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insurance carriers to be able to write
policies in the state even if prices go

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up, because that at least gives
you more options and shopping around as paramount.

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Right now, this last November,
November eleventh, not only did I

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celebrate Armis's Day, the end of
World War One, but I celebrated the

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day that my home policy expired and
I couldn't get another one. Yeah,

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my insurance company just said nope,
not going to do it anymore. And

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so I finally found a company.
I have insurance broker because I wasn't going

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to go scrambling, and he was
able to find me a policy. Two

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and a half weeks later, I
was bere for two and a half weeks.

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Yeah, no home insurance. Tell
me how I slept every night for

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two and a half weeks and it
came down as double what I was paying,

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Absolutely double. Hey, thank you
very much. A lot of people

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can't stomach that sort of increase.
And you bring up a good point too,

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is you should talk to an insurance
broker. You should talk to an

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independent insurance agent who can help you
shop around. There's a website called Trusted

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choice dot com that you can check
out. An independent insurance agent in your

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area, and they instead of going
directly to each company individually and trying to

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get a price quote, they can
do all that for you in one fell

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swoop. And you don't pay for
it, do you? The insurance companies

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pay them. That's exactly right.
And then yeah, so that's really what

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you need to do. If you
get a bill that's astronomical that you're just

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like, how am I even gonna
be able to drive anymore? If my

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homeowner, if my auto insurance rate
goes up, if it becomes that steep,

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well then you need to shop around. And you can do that by

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yourself, but it's easier if you
get somebody else to do that for you.

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All right, now, let's take
a break. We'll come back and

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finish it up with Joel Larsguard.
How the money heard every Sunday? Right

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here, it's two o'clock, right
Joel, nine noon to two? Okay,

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yeah, okay, I got the
to listen, Michelle, you didn't

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write it down, and you have
to write my name down otherwise I go

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Hi. This is, by the
way, I'm not kidding Joel. Ask

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Neil how many times I have mis
mispronounced my name? Don't don't pull me

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into this just a lot, a
lot. You're listening to Bill Handle on

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demand from kf I am six forty
quick reminder that Sunday, I'm sorry,

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Sunday July fourteen Basteel Day, where
we all celebrate sort of the French July

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fourth. Well, okay, but
Anaheim White House is doing exactly that and

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is having a Basteel Day event which
Neil and I are going to. And

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it's French food all the way down, very high end, ninety five bucks

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ahead, so it's not inexpensive,
but it's a real destination restaurant in the

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way the food there is phenomenal,
and Neil and I will be there so

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you can come by and watch me
stuff my face and talk to you with

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my mouth full and food spraying out
of my mouth. So go to Anaheim

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Whitehouse dot com. We only have
I think there are six tickets left,

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so that means twelve people the first
twelve callers. You have to be the

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first twelve callers. I think you
reversed that. It is probably twelve seats

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left. So oh yeah, couples, yeah, yeah, Gary, the

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one Yeah, it's all right,
okay, got it? Never mind,

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all right, Joel Larsgard how to
money, Joel, who has heard?

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Of course, I didn't put that
up Saturdays, Sunday days, Sunday.

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I'm sorry it wasn't put up.
And if it's not put up, I

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always forget everybody. A matter of
fact, I wouldn't even know your name

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if it wasn't up there. All
right, Joel, let's get right into

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it, because we have a few
things to cover. California car insurance.

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Oh we didn't know that that would
those prices were going up, did we.

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I just got my renewal. I
couldn't believe it. You're not what's

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going on? Yeah? Well,
and you would think it's, oh,

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is this just a California specific thing, but no, it's not. This

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is happening all across the country.
It feels really palpable for certain specific homeowners

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and drivers in the state of California, though too so. The Wall Street

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Journal literally had an article this morning
and it says home insurance premiums are surging

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and states are allowing it, and
so like what they're hinting at is that

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these the insurance commissioners of states around
the country are just like taking it on

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the chin. They're allowing these insurance
companies to run amuck and to increase prices

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at record rates. And that is
true, but it's also interesting because these

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insurance companies, they've been losing money, like they haven't been doing so hot.

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Inflation means that if something happens to
your home, something happens to your

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car, the fix costs a lot
more than it did a few years ago.

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There are more wildfires, of course, in the state of California.

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When you're talking about places like Florida, you're talking about hurricanes and storms,

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and so they're prices of skyrocketed.
And yes, they are pushing back in

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there and those prices are rising,
and then all of us in the shakeout,

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we're paying a whole lot more because
of it, and we're shocked when

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we get that renewal notice. Yeah, even within California, the insurance company

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is and rates are completely controlled by
the insurance Commissioner, who is an elected

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official. So he is a lot
more in tune with what we want than

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what the insurance companies want. There's
no question about that. And he is

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allowing all of that to happen,
I guess because he has no choice exactly,

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because otherwise they're walking out the door. That's exactly that's what's happened with

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some of these insurance companies, and
so they've they've said, listen, if

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you're not going to allow us this
rate increase, well we can't continue to

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write policies at an extreme loss for
forever. And so it's this dance that

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has to go back and forth between
the Commissioner and the insurance companies to say,

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well, what are we going to
allow, what how much are we

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going to allow rate hikes, what
sort of restrictions are going to we're going

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to allow on writing policies. For
instance, they've been able to get some

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concessions on writing policies in more wild
wildfire prone areas, But at the same

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time then they have to say,
well, you're going to be able to

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we're going to allow you to increase
your rates by twenty nine thirty two percent.

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And so yeah, it's a really
tough position for consumers to be And

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we just got inflation numbers today.
Inflation is ticking down slowly but surely.

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But one thing that's not going away
is the insurance price increases like that that's

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just going to continue to frustrate people. But we need more competition we need

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more insurance carriers to be able to
write policies in the state, even if

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prices go up, because that at
least gives you more options and shopping around

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as paramount. Right now, This
last November, November eleventh, not only

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did I celebrate Armis's Day, the
end of World War One, but I

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celebrated the day that my home policy
expired and I couldn't get another one.

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Yeah, my insurance company just said
nope, not going to do it anymore.

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And so I finally found a company, I've insurance broker because I wasn't

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going to go scrambling, and he
was able to find me a policy.

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Two and a half weeks later.
I was bear for two and a half

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weeks. Yeah, no home insurance. Tell me how I slept every night

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for two and a half weeks and
it came down as double what I was

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paying, Absolutely double. Hey,
thank you very much. A lot of

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people can't stomach that sort of increase. And you bring up a good point

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too, is you should talk to
an insurance broker. You should talk to

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an independent insurance agent who can help
you shop around. There's a website called

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Trusted choice dot com that you can
check out an independent insurance agent in your

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area, and they instead of going
directly to each company individually and trying to

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get a price quote, they can
do all that for you in one fell

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swoop. And you don't pay for
it, do you? The insurance companies

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pay them. That's exactly right.
And then yeah, so that's really what

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you need to do. If you
get a bill that's astronomical that you're just

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like, how am I even going
to be able to drive anymore? If

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my homeowner, if my auto insurance
rate goes up, if it becomes that

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steep, well then you need to
shop around. And you can do that

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by yourself, but it's easier if
you get somebody else to do that for

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you. All right, let's take
a break. We'll come back and finish

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it up with Joel Larsguard. How
the money heard every Sunday? Right here?

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It's two o'clock, right, Joel, No noon to two? Okay,

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yeah, okay, I got the
to it. Listen, Michelle,

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you didn't write it down, and
you have to write my name down otherwise

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I go Hi. This is by
the way, I'm not kidding Joel.

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Ask Neil how many times I have
mis mispronounced my name. Don't don't pull

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me into this. Just a lot, a lot. You're listening to Bill

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Handle on demand from KFI AM six
forty. Okay. An article about wordle

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and your brain, the wordle part. I don't play wordle amy. You

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play wordle quickly in thirty seconds,
explain what we're You get to have five

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or actually six chances to guess a
five letter word, and you make your

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first choice, and then it'll tell
you what letters you have right in the

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right place, what letters you have
right in the wrong place, and then

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you have to go to your next
guests. Yeah, I just did it

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Wheel of Fortune effectively, okay,
kind of, but it's fun and you

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can only play once a day,
okay, so it's good. So you

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can't get addicted. Okay, so
no reruns of Wheel of Fortune. Now.

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The reason I pick this up,
I don't play wordle, but it's

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part of this entire industry that gets
your brain going. And if you play

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these games, you do crossword puzzles, you play wordle. There's a brain

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game industry out there, daily puzzles. Just people are addicted to it,

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and it theoretically helps your brain cognitive
ability, keeps you it slows down your

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decline. You know what, The
research is really up in the air.

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There's some reachers that says yes,
most of the research out there says it

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does help you. But and this
is why I found it so fascinating,

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not in the way you think.
What it does is give you a sense

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of accomplishment, which is hard to
do every day in your everyday life.

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And you get a hit of dopamine, and it is that is what makes

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you cognitively better. That's what it
is. That's the science, not this

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long term or the game itself or
any of that. It's just feeling accomplishment.

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For example, let's say a puzzle
puzzle, right, you have chaos

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as you put figuring out what to
do, and then chaos it comes all

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together when you finish the puzzle and
you go it's an aha moment. Uh,

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look at this, I finished the
puzzle off, I feel great,

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Which is why the majority of puzzles
have these scenes, these scenic pastorals,

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scene you got trees, you have. When I started looking for crossword puzzles,

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I was looking for puzzles at for
example, I had holocaust themes or

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crime scenes. You can't get them. They just don't sell them the way

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I wanted him. So what do
you do? I don't get particularly a

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thrill to me. I got dopamine. I used to get dopamine. For

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example, my kids acted out and
I beat them up. There was a

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sense of accomplishment there. There was
this little hit of feeling good about what

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you did. So the reality here
is that it sort of does help you.

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Who is that chef, famous chef
who does the neural You know that

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commercial where it's your brain the supplement
for your brain. Oh, I know

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who you're talking about, Alton Brown. I guess, yeah, yeah,

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yeah. I had no idea.
Alton and he has he brings out this

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commercial for one of these supplements,
and he has all of these tools,

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and he said, look at all
the tools you use, but you can

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do it with one. I had
no idea. Supplements are a kitchen tool

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that can help you slice a pizza. But in the world of Alton Brown,

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it is point is there's entire huge
industry of that, the supplement industry,

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the jigsaw, the puzzle in industry. So let me ask you,

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Amy you play wordle I don't.
I don't have a patience for any of

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this stuff. I don't play cards. I just don't. I read.

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I read, and I watch documentaries. That's what I do. Now.

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I'm walking every day too. God, that's horrible and so amy. Does

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that give you a tremendous hit of
satisfaction when you get the word? Is

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it an aha? I got the
moment kind of yeah, and then you

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share it with your friends and you
yeah, it's like, oh, okay,

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I got wordle for today, and
every once in a while, doesn't

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them. Very often I don't get
it, and then you're like, oh,

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I'm so stupid. So let me
let me ask. Do you believe

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that it helps you with your cognitive
ability or slowing down or stopping your decline?

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Do you think the two are connected? I think so. I mean

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from everything that we've heard that you're
supposed to keep your brain activated. So

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I play wordle and qordal and connections. I play several a day. Yeah,

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well, I got news for you. It's not helping. It doesn't

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work that way, I know.
But think how bad i'd be if I

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didn't play on Well, that's the
other side. Okay, how do you

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prove a negative? But you know, some scientists say does nothing and the

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ones that do say it is actually
effective. Say it's because of the dopamine.

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It's the aha moment, it's the
success that you have. It's not

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the process of figuring it out,
thinking through put together a puzzle, looking

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at his piece there and figuring out
it goes connected to this piece. That

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really doesn't do it? How could
that not do something? Though you?

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Because they're measured, because they measure
cognitive abilities and they've been able to measure

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the dopamine side of it, and
they're just saying the research doesn't pan out.

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It's a mantra. You use your
brain and excuse me, and it's

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going to slow down the aging process
mentally. Eh. I don't know scientists.

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A lot of scientists say no.
And it's about fifty to fifty on

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that one. Okay. I just
wanted to tell you, Amy that you

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playing wordle every day is a complete
waste of time. I hope that makes

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you fun, but you know you
like puzzles. I mean, my daughter,

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Pamela loves puzzles and she's a coder
and it's all my god. Daughter

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loves puzzles. And she graduated with
a chemistry degree at University London and she

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graduated it's chemistry is not easy.
And I asked her, so you wanted

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to be a chemist. She goes, no, I have no desire to

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use my chemistry degree at all.
I goes, then why'd you do it?

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Number one was the hardest course.
I mean, she's that kind of

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a person. And number two,
it's all about solving puzzles. That's all

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it is. Chemistry is about solving
puzzles and that's the way her mind works.

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And she is sharp as attack.
Granted she's only thirty two, so

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you know, you don't lose too
much of your ability to think. Well,

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some of us did when we were
in our early early thirties. Coming

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up, Moe Kelly is joining us
earlier with Moe, which we do on

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a Thursday. Shelley Duvall just died. We just got that news just a

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few minutes ago, so we'll be
back. You're listening to Bill Handle on

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demand from KFI AM six forty one. Last reminder, Neil and I are

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going to be at the Anaheim White
House on Sunday seven pm celebrating Bastiele Day,

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00:19:52.440 --> 00:19:57.839
and they're putting together a whole Bastile
Day celebration. That's Chef Bruno,

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all French, and we're all going
to be there for one happy event.

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And it's ninety five dollars a person. It's not inexpensive, but the food

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is insane and soneil and I will
join us, will join you or you

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00:20:11.839 --> 00:20:15.279
join us in that. Sunday night, seven o'clock, go to Anaheim White

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House dot com. Anaheim white House
dot com. Mo Kelly who is with

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us MOS heard every evening seven to
ten pm. Moe. Shelley Duval just

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died. We heard about that,
and she is one of I loved her,

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the quirkiest, most interesting actresses actress
I guess actors out there. Let's

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go a little bit with her background. Sure, you have someone who was

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a supremely first let me say good
morning, Bill, it's good to talk

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to you, and oh yeah,
I forgot to do that good morning.

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Oh it's good to talk to you
too. Okay, let's go on.

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Now. When I got this news, it really saddened me because I will

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say, the breath and depth of
her career was during my formative years growing

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up. And she was super talented
and she had a wide story as far

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as her talents and how she applied
them to the screen, and a lot

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of the obituaries you'll see her stories
talking about the difficulties of making The Shining

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And I mentioned that movie because for
me, I thought that was her best

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performance ever of all time, even
more so than her role at Annie Hall

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and Others, or even Popeye.
She was a magnificent act unfortunately was beset

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with all sorts of physical health issues
and emotional health issues later in her life,

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but just a wonderful, wonderful talent. And I certainly didn't make it

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on looks. Not that she was
homely or anything. She was gangly,

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she was tall, she was anything
other than a leading lady, and yet

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she had these wonderful parts. And
that's fairly unique in the film business,

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isn't it. Oh, it's very
very unique. It wasn't that she was

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She was not a classic beauty.
I thought that she was attractive, but

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when you think about the nineteen seventies
and the nineteen eighties, that archetype she

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was not that she was very very
thin, She had very wide eyes.

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It was portrayed a saucer eyed in
a lot of the reports. But she

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was someone who obviously was there for
her acting ability, and she used every

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moment that she had for her talent
one of the things. And this is

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personal with you, with me,
with anybody who's a baby boomer or close

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to it. Formative years and as
I was growing up, she also was

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this major player. And as these
people are dying off mo for example,

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she wasn't young, but their seventies, their eighties, and you think of

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them in terms of what they were
thirty forty years ago. Don't you want

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to basically commit suicide. I don't
know about commit suicide, but it does

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remind you and remind me of our
own mortality, because after a certain point

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you start to realize they're not that
much older than us. Well, they're

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very similar to us in age.
Shelley Duval just celebrated her seventy fifth birthday,

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So it's in seventy five. We
know, in today's terms, it

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is not all that old. No, no, that's in your seventies.

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You are not old in your eighties. As you approach middle eighties, now

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you're getting old. And then when
you're in your nineties, life well lived

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kind of thing, unless you're having
to be a serial killer. Oh come

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on, Neil, stop it all
right, all right? So you know

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that was the only thing I wanted
to talk about. Mo. You have

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another topic, right, and I
don't know what it is. That's okay.

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Now, I think Shelley Duval should
stand on her own and the segment

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should be devoted to her in her
rich legacy and wonderful history. Have everyone

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go out and watch the Shining Antie
Hall or Popeye to best appreciate her.

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Yeah, incredible, All right,
Moe, catch you tonight as always seven

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00:24:00.640 --> 00:24:06.720
to ten later with MO and here
it's earlier with MO. Take care,

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Moe. We're done, guys another
day another dollar or eighty cents because we

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work here at iHeart podcast has now
dropped either on the iHeartRadio app or the

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Bill Handleshow podcast dot com. And
it's the first two of them that I'm

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00:24:26.200 --> 00:24:30.240
doing. And I'm trying the podcast
and take a listen and on Instagram.

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00:24:30.319 --> 00:24:36.400
I'd love your opinion. I would
because I'm joining the world of podcasts due

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00:24:36.400 --> 00:24:40.400
to popular demand. You'll never hear
me say that in a commercial, but

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00:24:40.519 --> 00:24:42.880
due to popular demand. Day we'll
see all right, tomorrow we come back

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with Amy and Neil and me.
Michelle is here filling in for a Robin,

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00:24:52.319 --> 00:24:56.359
filling in for Kono, and we
will finish the week. You've been

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00:24:56.400 --> 00:24:59.920
listening to the Bill Handle Show.
Catch My Show Monday through Friday, sixth

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00:25:00.039 --> 00:25:07.519
am to nine am, and any
time on demand on the iHeartRadio app MHM

