You're listenings KFI AM six forty the Bill Handles show on demand on the iHeartRadio
app. Quick reminder that Sunday, I'm sorry, Sunday July fourteen Basteel Day,
where we all celebrate of the French July fourth Well, okay, but
Anaheim White House is doing exactly that and is having a Basteel Day event,
which Neil and I are going to. And it's French food all the way
down, very high end, ninety five bucks ahead, so it's not inexpensive,
but it's a real destination restaurant and the way the food there is phenomenal,
and Neil and I will be there so you can come by and watch
me stuff my face and talk to you with my mouth full and food spraying
out of my mouth. So go to Anaheim Whitehouse dot com. We only
have I think there are six tickets left, so that means twelve people the
first twelve callers. You have to be the first twelve callers. I think
you reversed that. It is probably twelve seats left. So oh yeah,
couples, yeah, yeah, very the one Yeah, it's all right,
okay, got it, Uh, never mind, all right, Joel larsguard
how to money, Joel, who has heard? Of course, I didn't
put that up Saturdays, Sunday Days, Sundays. I'm sorry it wasn't put
up. And if it's not put up, I always forget everybody. A
matter of fact, I wouldn't even know your name if it wasn't up there.
All right, Joel, let's get right into it, because we have
a few things to cover. California car insurance. Oh, we didn't know
that that those prices were going up, did we? I just got my
renewal. I couldn't believe it. You're not what's going on? Yeah?
Well, and you would think it's, oh, is this just a California
specific thing, but no, it's not. This is happening all across the
country. It feels really palpable for certain specific homeowners and drivers in the state
of California, though too so. The Wall Street Journal literally had an article
this morning and it says home insurance premiums are surging and states are allowing it,
and so like what they're hinting at is that these the insurance commissioners of
states around the country are just like taking it on the chin. They're allowing
these insurance companies to run amuck and to increase prices at record rates. And
that is true, but it's also interesting because these insurance companies, they've been
losing money, like they haven't been doing so hot. Inflation means that if
something happens to your home, something happens to your car, the fix costs
a lot more than it did a few years ago. There are more wildfires,
of course, in the state of California. When you're talking about places
like Florida, you're talking about hurricanes and storms, and so their prices of
skyrocketed, and yes, they are pushing back and those prices are rising,
and then all of us in the shakeout, we're paying a whole lot more
because of it, and we're shocked when we get that renewal. Notice.
Yeah, even within California, the insurance company is and rates are completely controlled
by the insurance Commissioner, who is an elected official. So he is a
lot more in tune with what we want than what the insurance companies want.
There's no question about that. And he is allowing all of that to happen,
I guess because he has no choice, exactly, because otherwise they're walking
out the door. Yes, exactly, that's what's happened with some of these
insurance companies, and so they've they said, listen, if you're not going
to allow us this rate increase, well we can't continue to write policies at
an extreme loss for forever. And so it's this dance that has to go
back and forth between the Commissioner and the insurance companies to say, well,
what are we going to allow, what how much are we going to allow
rate hikes? What sort of restrictions are going to are we going to allow
on writing policies. For instance, they've been able to get some concessions on
writing policies in more wild wildfire prone areas, but at the same time then
they have to say, well, you're going to be able to We're going
to allow you to increase your rates by twenty nine thirty two percent, and
so yeah, it's it's a really tough position for consumers. And we just
got inflation numbers today. Inflation is ticking down slowly but surely. But one
thing that's not going away is the insurance price increases like that that's just going
to continue to frustrate people. But we need more competition, we need more
insurance carriers to be able to write policies in the state even if prices go
up, because that at least gives you more options and shopping around as paramount.
Right now, this last November, November eleventh, not only did I
celebrate Armis's Day, the end of World War One, but I celebrated the
day that my home policy expired and I couldn't get another one. Yeah,
my insurance company just said nope, not going to do it anymore. And
so I finally found a company. I have insurance broker because I wasn't going
to go scrambling, and he was able to find me a policy. Two
and a half weeks later, I was bere for two and a half weeks.
Yeah, no home insurance. Tell me how I slept every night for
two and a half weeks and it came down as double what I was paying,
Absolutely double. Hey, thank you very much. A lot of people
can't stomach that sort of increase. And you bring up a good point too,
is you should talk to an insurance broker. You should talk to an
independent insurance agent who can help you shop around. There's a website called Trusted
choice dot com that you can check out. An independent insurance agent in your
area, and they instead of going directly to each company individually and trying to
get a price quote, they can do all that for you in one fell
swoop. And you don't pay for it, do you? The insurance companies
pay them. That's exactly right. And then yeah, so that's really what
you need to do. If you get a bill that's astronomical that you're just
like, how am I even gonna be able to drive anymore? If my
homeowner, if my auto insurance rate goes up, if it becomes that steep,
well then you need to shop around. And you can do that by
yourself, but it's easier if you get somebody else to do that for you.
All right, now, let's take a break. We'll come back and
finish it up with Joel Larsguard. How the money heard every Sunday? Right
here, it's two o'clock, right Joel, nine noon to two? Okay,
yeah, okay, I got the to listen, Michelle, you didn't
write it down, and you have to write my name down otherwise I go
Hi. This is, by the way, I'm not kidding Joel. Ask
Neil how many times I have mis mispronounced my name? Don't don't pull me
into this just a lot, a lot. You're listening to Bill Handle on
demand from kf I am six forty quick reminder that Sunday, I'm sorry,
Sunday July fourteen Basteel Day, where we all celebrate sort of the French July
fourth. Well, okay, but Anaheim White House is doing exactly that and
is having a Basteel Day event which Neil and I are going to. And
it's French food all the way down, very high end, ninety five bucks
ahead, so it's not inexpensive, but it's a real destination restaurant in the
way the food there is phenomenal, and Neil and I will be there so
you can come by and watch me stuff my face and talk to you with
my mouth full and food spraying out of my mouth. So go to Anaheim
Whitehouse dot com. We only have I think there are six tickets left,
so that means twelve people the first twelve callers. You have to be the
first twelve callers. I think you reversed that. It is probably twelve seats
left. So oh yeah, couples, yeah, yeah, Gary, the
one Yeah, it's all right, okay, got it? Never mind,
all right, Joel Larsgard how to money, Joel, who has heard?
Of course, I didn't put that up Saturdays, Sunday days, Sunday.
I'm sorry it wasn't put up. And if it's not put up, I
always forget everybody. A matter of fact, I wouldn't even know your name
if it wasn't up there. All right, Joel, let's get right into
it, because we have a few things to cover. California car insurance.
Oh we didn't know that that would those prices were going up, did we.
I just got my renewal. I couldn't believe it. You're not what's
going on? Yeah? Well, and you would think it's, oh,
is this just a California specific thing, but no, it's not. This
is happening all across the country. It feels really palpable for certain specific homeowners
and drivers in the state of California, though too so. The Wall Street
Journal literally had an article this morning and it says home insurance premiums are surging
and states are allowing it, and so like what they're hinting at is that
these the insurance commissioners of states around the country are just like taking it on
the chin. They're allowing these insurance companies to run amuck and to increase prices
at record rates. And that is true, but it's also interesting because these
insurance companies, they've been losing money, like they haven't been doing so hot.
Inflation means that if something happens to your home, something happens to your
car, the fix costs a lot more than it did a few years ago.
There are more wildfires, of course, in the state of California.
When you're talking about places like Florida, you're talking about hurricanes and storms,
and so they're prices of skyrocketed. And yes, they are pushing back in
there and those prices are rising, and then all of us in the shakeout,
we're paying a whole lot more because of it, and we're shocked when
we get that renewal notice. Yeah, even within California, the insurance company
is and rates are completely controlled by the insurance Commissioner, who is an elected
official. So he is a lot more in tune with what we want than
what the insurance companies want. There's no question about that. And he is
allowing all of that to happen, I guess because he has no choice exactly,
because otherwise they're walking out the door. That's exactly that's what's happened with
some of these insurance companies, and so they've they've said, listen, if
you're not going to allow us this rate increase, well we can't continue to
write policies at an extreme loss for forever. And so it's this dance that
has to go back and forth between the Commissioner and the insurance companies to say,
well, what are we going to allow, what how much are we
going to allow rate hikes, what sort of restrictions are going to we're going
to allow on writing policies. For instance, they've been able to get some
concessions on writing policies in more wild wildfire prone areas, But at the same
time then they have to say, well, you're going to be able to
we're going to allow you to increase your rates by twenty nine thirty two percent.
And so yeah, it's a really tough position for consumers to be And
we just got inflation numbers today. Inflation is ticking down slowly but surely.
But one thing that's not going away is the insurance price increases like that that's
just going to continue to frustrate people. But we need more competition we need
more insurance carriers to be able to write policies in the state, even if
prices go up, because that at least gives you more options and shopping around
as paramount. Right now, This last November, November eleventh, not only
did I celebrate Armis's Day, the end of World War One, but I
celebrated the day that my home policy expired and I couldn't get another one.
Yeah, my insurance company just said nope, not going to do it anymore.
And so I finally found a company, I've insurance broker because I wasn't
going to go scrambling, and he was able to find me a policy.
Two and a half weeks later. I was bear for two and a half
weeks. Yeah, no home insurance. Tell me how I slept every night
for two and a half weeks and it came down as double what I was
paying, Absolutely double. Hey, thank you very much. A lot of
people can't stomach that sort of increase. And you bring up a good point
too, is you should talk to an insurance broker. You should talk to
an independent insurance agent who can help you shop around. There's a website called
Trusted choice dot com that you can check out an independent insurance agent in your
area, and they instead of going directly to each company individually and trying to
get a price quote, they can do all that for you in one fell
swoop. And you don't pay for it, do you? The insurance companies
pay them. That's exactly right. And then yeah, so that's really what
you need to do. If you get a bill that's astronomical that you're just
like, how am I even going to be able to drive anymore? If
my homeowner, if my auto insurance rate goes up, if it becomes that
steep, well then you need to shop around. And you can do that
by yourself, but it's easier if you get somebody else to do that for
you. All right, let's take a break. We'll come back and finish
it up with Joel Larsguard. How the money heard every Sunday? Right here?
It's two o'clock, right, Joel, No noon to two? Okay,
yeah, okay, I got the to it. Listen, Michelle,
you didn't write it down, and you have to write my name down otherwise
I go Hi. This is by the way, I'm not kidding Joel.
Ask Neil how many times I have mis mispronounced my name. Don't don't pull
me into this. Just a lot, a lot. You're listening to Bill
Handle on demand from KFI AM six forty. Okay. An article about wordle
and your brain, the wordle part. I don't play wordle amy. You
play wordle quickly in thirty seconds, explain what we're You get to have five
or actually six chances to guess a five letter word, and you make your
first choice, and then it'll tell you what letters you have right in the
right place, what letters you have right in the wrong place, and then
you have to go to your next guests. Yeah, I just did it
Wheel of Fortune effectively, okay, kind of, but it's fun and you
can only play once a day, okay, so it's good. So you
can't get addicted. Okay, so no reruns of Wheel of Fortune. Now.
The reason I pick this up, I don't play wordle, but it's
part of this entire industry that gets your brain going. And if you play
these games, you do crossword puzzles, you play wordle. There's a brain
game industry out there, daily puzzles. Just people are addicted to it,
and it theoretically helps your brain cognitive ability, keeps you it slows down your
decline. You know what, The research is really up in the air.
There's some reachers that says yes, most of the research out there says it
does help you. But and this is why I found it so fascinating,
not in the way you think. What it does is give you a sense
of accomplishment, which is hard to do every day in your everyday life.
And you get a hit of dopamine, and it is that is what makes
you cognitively better. That's what it is. That's the science, not this
long term or the game itself or any of that. It's just feeling accomplishment.
For example, let's say a puzzle puzzle, right, you have chaos
as you put figuring out what to do, and then chaos it comes all
together when you finish the puzzle and you go it's an aha moment. Uh,
look at this, I finished the puzzle off, I feel great,
Which is why the majority of puzzles have these scenes, these scenic pastorals,
scene you got trees, you have. When I started looking for crossword puzzles,
I was looking for puzzles at for example, I had holocaust themes or
crime scenes. You can't get them. They just don't sell them the way
I wanted him. So what do you do? I don't get particularly a
thrill to me. I got dopamine. I used to get dopamine. For
example, my kids acted out and I beat them up. There was a
sense of accomplishment there. There was this little hit of feeling good about what
you did. So the reality here is that it sort of does help you.
Who is that chef, famous chef who does the neural You know that
commercial where it's your brain the supplement for your brain. Oh, I know
who you're talking about, Alton Brown. I guess, yeah, yeah,
yeah. I had no idea. Alton and he has he brings out this
commercial for one of these supplements, and he has all of these tools,
and he said, look at all the tools you use, but you can
do it with one. I had no idea. Supplements are a kitchen tool
that can help you slice a pizza. But in the world of Alton Brown,
it is point is there's entire huge industry of that, the supplement industry,
the jigsaw, the puzzle in industry. So let me ask you,
Amy you play wordle I don't. I don't have a patience for any of
this stuff. I don't play cards. I just don't. I read.
I read, and I watch documentaries. That's what I do. Now.
I'm walking every day too. God, that's horrible and so amy. Does
that give you a tremendous hit of satisfaction when you get the word? Is
it an aha? I got the moment kind of yeah, and then you
share it with your friends and you yeah, it's like, oh, okay,
I got wordle for today, and every once in a while, doesn't
them. Very often I don't get it, and then you're like, oh,
I'm so stupid. So let me let me ask. Do you believe
that it helps you with your cognitive ability or slowing down or stopping your decline?
Do you think the two are connected? I think so. I mean
from everything that we've heard that you're supposed to keep your brain activated. So
I play wordle and qordal and connections. I play several a day. Yeah,
well, I got news for you. It's not helping. It doesn't
work that way, I know. But think how bad i'd be if I
didn't play on Well, that's the other side. Okay, how do you
prove a negative? But you know, some scientists say does nothing and the
ones that do say it is actually effective. Say it's because of the dopamine.
It's the aha moment, it's the success that you have. It's not
the process of figuring it out, thinking through put together a puzzle, looking
at his piece there and figuring out it goes connected to this piece. That
really doesn't do it? How could that not do something? Though you?
Because they're measured, because they measure cognitive abilities and they've been able to measure
the dopamine side of it, and they're just saying the research doesn't pan out.
It's a mantra. You use your brain and excuse me, and it's
going to slow down the aging process mentally. Eh. I don't know scientists.
A lot of scientists say no. And it's about fifty to fifty on
that one. Okay. I just wanted to tell you, Amy that you
playing wordle every day is a complete waste of time. I hope that makes
you fun, but you know you like puzzles. I mean, my daughter,
Pamela loves puzzles and she's a coder and it's all my god. Daughter
loves puzzles. And she graduated with a chemistry degree at University London and she
graduated it's chemistry is not easy. And I asked her, so you wanted
to be a chemist. She goes, no, I have no desire to
use my chemistry degree at all. I goes, then why'd you do it?
Number one was the hardest course. I mean, she's that kind of
a person. And number two, it's all about solving puzzles. That's all
it is. Chemistry is about solving puzzles and that's the way her mind works.
And she is sharp as attack. Granted she's only thirty two, so
you know, you don't lose too much of your ability to think. Well,
some of us did when we were in our early early thirties. Coming
up, Moe Kelly is joining us earlier with Moe, which we do on
a Thursday. Shelley Duvall just died. We just got that news just a
few minutes ago, so we'll be back. You're listening to Bill Handle on
demand from KFI AM six forty one. Last reminder, Neil and I are
going to be at the Anaheim White House on Sunday seven pm celebrating Bastiele Day,
and they're putting together a whole Bastile Day celebration. That's Chef Bruno,
all French, and we're all going to be there for one happy event.
And it's ninety five dollars a person. It's not inexpensive, but the food
is insane and soneil and I will join us, will join you or you
join us in that. Sunday night, seven o'clock, go to Anaheim White
House dot com. Anaheim white House dot com. Mo Kelly who is with
us MOS heard every evening seven to ten pm. Moe. Shelley Duval just
died. We heard about that, and she is one of I loved her,
the quirkiest, most interesting actresses actress I guess actors out there. Let's
go a little bit with her background. Sure, you have someone who was
a supremely first let me say good morning, Bill, it's good to talk
to you, and oh yeah, I forgot to do that good morning.
Oh it's good to talk to you too. Okay, let's go on.
Now. When I got this news, it really saddened me because I will
say, the breath and depth of her career was during my formative years growing
up. And she was super talented and she had a wide story as far
as her talents and how she applied them to the screen, and a lot
of the obituaries you'll see her stories talking about the difficulties of making The Shining
And I mentioned that movie because for me, I thought that was her best
performance ever of all time, even more so than her role at Annie Hall
and Others, or even Popeye. She was a magnificent act unfortunately was beset
with all sorts of physical health issues and emotional health issues later in her life,
but just a wonderful, wonderful talent. And I certainly didn't make it
on looks. Not that she was homely or anything. She was gangly,
she was tall, she was anything other than a leading lady, and yet
she had these wonderful parts. And that's fairly unique in the film business,
isn't it. Oh, it's very very unique. It wasn't that she was
She was not a classic beauty. I thought that she was attractive, but
when you think about the nineteen seventies and the nineteen eighties, that archetype she
was not that she was very very thin, She had very wide eyes.
It was portrayed a saucer eyed in a lot of the reports. But she
was someone who obviously was there for her acting ability, and she used every
moment that she had for her talent one of the things. And this is
personal with you, with me, with anybody who's a baby boomer or close
to it. Formative years and as I was growing up, she also was
this major player. And as these people are dying off mo for example,
she wasn't young, but their seventies, their eighties, and you think of
them in terms of what they were thirty forty years ago. Don't you want
to basically commit suicide. I don't know about commit suicide, but it does
remind you and remind me of our own mortality, because after a certain point
you start to realize they're not that much older than us. Well, they're
very similar to us in age. Shelley Duval just celebrated her seventy fifth birthday,
So it's in seventy five. We know, in today's terms, it
is not all that old. No, no, that's in your seventies.
You are not old in your eighties. As you approach middle eighties, now
you're getting old. And then when you're in your nineties, life well lived
kind of thing, unless you're having to be a serial killer. Oh come
on, Neil, stop it all right, all right? So you know
that was the only thing I wanted to talk about. Mo. You have
another topic, right, and I don't know what it is. That's okay.
Now, I think Shelley Duval should stand on her own and the segment
should be devoted to her in her rich legacy and wonderful history. Have everyone
go out and watch the Shining Antie Hall or Popeye to best appreciate her.
Yeah, incredible, All right, Moe, catch you tonight as always seven
to ten later with MO and here it's earlier with MO. Take care,
Moe. We're done, guys another day another dollar or eighty cents because we
work here at iHeart podcast has now dropped either on the iHeartRadio app or the
Bill Handleshow podcast dot com. And it's the first two of them that I'm
doing. And I'm trying the podcast and take a listen and on Instagram.
I'd love your opinion. I would because I'm joining the world of podcasts due
to popular demand. You'll never hear me say that in a commercial, but
due to popular demand. Day we'll see all right, tomorrow we come back
with Amy and Neil and me. Michelle is here filling in for a Robin,
filling in for Kono, and we will finish the week. You've been
listening to the Bill Handle Show. Catch My Show Monday through Friday, sixth
am to nine am, and any time on demand on the iHeartRadio app MHM