Speaker 1: You're listening to KFI AM six forty wake Up Call
Speaker 1: with Me Amy King on demand on the iHeartRadio.
Speaker 2: App oKFI and KOST HD two Los Angeles and Orange.
Speaker 3: County and a name you Amy.
Speaker 1: Okay, it's five o'clock. Time to get up, don't hit
Speaker 1: that snooze or maybe you're already at the coffee pop
Speaker 1: like me. I've already had two cups. I'm ready to go.
Speaker 1: This is your wake up call for Tuesday, August twenty seventh. Ooh,
Speaker 1: we had a long holiday weekend coming up. I'm Amy King.
Speaker 1: Thanks for getting your day started with us. Got lots
Speaker 1: of fun things and some serious stuff to talk about today,
Speaker 1: and either way, there's a lot to get to. So
Speaker 1: here's what's ahead on wake up Call. The laped is
Speaker 1: asking for your help in finding a newborn baby, her
Speaker 1: fourteen year old mother and fifteen year old sister in law.
Speaker 1: Officials say the three may be headed to the High Desert.
Speaker 1: The baby has a heart condition and needs daily medication.
Speaker 1: Amoria and Sinai Brown and the baby, oh Maria, were
Speaker 1: last seen Sunday night. Special counsel Jack Smith Is asked
Speaker 1: a federal appeals court to reinstate the classified document's case
Speaker 1: against former President Trump. A federal judge throughout the case
Speaker 1: last month, ruling that Smith's appointment as special council was unconstitutional.
Speaker 1: We're going to find out more about this, what's next,
Speaker 1: whether it could affect the election, with ABC's Peter Harralumbus.
Speaker 1: In just a couple of minutes, the Dow Jones Industrial
Speaker 1: Average has hit a record high, closing up sixty five
Speaker 1: points yesterday at forty four hundred and twenty. It's the
Speaker 1: first record since a huge drop of more than a
Speaker 1: thousand points in a single day earlier this month that
Speaker 1: sparked fears of a recession. Speaking of money, we're gonna
Speaker 1: learn how to money with Joel Larsgard Love talking to
Speaker 1: Julia always has such great advice for us. Before the
Speaker 1: top of the hour, we've got those pesky ATM fees,
Speaker 1: Joel says, you can't avoid them, and also a better
Speaker 1: way to save your money. Also, the rules for how
Speaker 1: buyers and sellers pay real estate commissions in California have changed,
Speaker 1: and it's a big confusing mess. So we've got real
Speaker 1: estate agent Justin Warsham coming in to help us make
Speaker 1: sense of it. Let's get started with some of the
Speaker 1: stories coming out of the KFI twenty four hour newsroom.
Speaker 1: At least two people have been arrested in Compton in
Speaker 1: connection with a home invasion in Sherman Oaks, PO least
Speaker 1: say a woman was in the shower last night when
Speaker 1: three men broke into her home. It's not clear what
Speaker 1: was taken. The woman wasn't hurt. Undercover investigators had apparently
Speaker 1: already been tracking the thieves, and an LAPD helicopter helped
Speaker 1: follow them to a neighborhood in Compton, where they were
Speaker 1: picked up. LA Metro has recorded its twentieth straight month
Speaker 1: of ridership growth.
Speaker 4: July's numbers show weekday ridership climbing back to pre pandemic levels.
Speaker 4: It's about e t percent there. Metro Senior director Joseph
Speaker 4: Forgerini says the broader economy's return after the height of
Speaker 4: the pandemic is reflected on local buses and trains.
Speaker 5: The trend has continued into this calendar year.
Speaker 6: I think we're just really en throying a good critavery
Speaker 6: of people returning to using transit.
Speaker 4: Metro also says events around LA near train and bus
Speaker 4: stops also help with July's gains in downtown La Michael
Speaker 4: Monks KFI News.
Speaker 1: Orange County Supervisor Katrina Foley has called on fellow supervisor
Speaker 1: Andrew Doe to resign over allegations that his daughter was
Speaker 1: involved in COVID nineteen relief funds fraud. Foley is also
Speaker 1: calling on the Attorney General's office to remove Dough from
Speaker 1: office if he won't step down. Orange County Board chairman
Speaker 1: Don Wagners's he plans to ask supervisors to remove Dough
Speaker 1: from committee assignments. A former Orange County sheriff sergeant says
Speaker 1: all families should keep narcan in their homes to help
Speaker 1: save lives during opioid overdoses.
Speaker 7: Fatal drug overdoses have dropped by about three percent over
Speaker 7: the last two years, and experts say that maybe because
Speaker 7: of life saving medication the lock zone. Retired sheriff Sergeant
Speaker 7: Clay Cranford says parents should start having conversations with their
Speaker 7: kids earlier.
Speaker 8: Most counterfeit prescription drugs contained fentanyl, and the DEA says
Speaker 8: of the ones that do sixty percent heavy lethal dose.
Speaker 7: He says teens can get in a lock zone without
Speaker 7: a prescription at most pharmacies. The La County Department of
Speaker 7: Public Health says three ninety two people died from fent
Speaker 7: and all overdoses in the county last year. Chris Adler KFI.
Speaker 1: News, let's say good morning to ABC's Peter HARALUMBUSI Hi.
Speaker 9: Peter, Hey, good morning Amy.
Speaker 5: Thanks for having me.
Speaker 1: Hey, I was just thinking we haven't talked to you
Speaker 1: since you were sitting in a courtroom every day for
Speaker 1: former President Trump's trial in New York.
Speaker 9: Yeah, things have changed.
Speaker 5: It's been surprisingly slow summer on Donald Trump's legal front, but.
Speaker 1: It's heating up again because Special Counsel Jack Smith is
Speaker 1: appealing federal judge's dismissal of the classified documents case against Trumps.
Speaker 1: So let's go back into a quick refresher course. What
Speaker 1: was the case and what was the argument to dismiss.
Speaker 5: Sure, So this case came up a little bit more
Speaker 5: than a year ago. Prosecutors charged the former president with
Speaker 5: violations of the Espionage Act, an obstruction of justice, alleging
Speaker 5: that he mishandled classified documents after we left the White House,
Speaker 5: and then he got in the way of an investigation
Speaker 5: when officials tried to retrieve those documents. The former president
Speaker 5: faced kind of a litany of charges in that case,
Speaker 5: but kind of got dealt a good hand with the
Speaker 5: judge in that case, Eileen Cannon, who kind of delayed
Speaker 5: the proceedings, took up argument on kind of frivolous issues
Speaker 5: brought up by Trump's team, and eventually throughout the case.
Speaker 5: She did that on the first day of the RNC
Speaker 5: back in July, kind of a surprise move for everyone,
Speaker 5: bucking kind of fifty years of legal precedent by finding
Speaker 5: that special counsel Jack Smith didn't actually have the right
Speaker 5: to bring the case. She didn't really roll on the merits,
Speaker 5: just the fact that Smith himself didn't have the authority
Speaker 5: to bring in Okay.
Speaker 1: So I didn't say She didn't say he didn't do
Speaker 1: anything wrong. She said Jack Smith really shouldn't have been
Speaker 1: the special counsel on the case.
Speaker 9: That's exactly right.
Speaker 5: It was all about Jack Smith and nothing about Trump
Speaker 5: in that order.
Speaker 1: Okay. So now Jack Smith is back and he's saying
Speaker 1: hold on and he's appealing the judge's ruling.
Speaker 5: That's right. So they're trying to revive the charges. They've
Speaker 5: asked the Atlanta based US Court of Appeals for the
Speaker 5: Eleventh Circle to reverse Cannon's decision. And basically allow those
Speaker 5: charges to continue. It's going to be a lengthy process.
Speaker 5: Trump's replies. Doing thirty days, they'll likely be oral arguments,
Speaker 5: and Trump's team, if they'd like, could probably appeal this
Speaker 5: all the way up to the Supreme Court, even when
Speaker 5: the Court of Appeals makes their final decision.
Speaker 1: Well, you just answered my last two my last two questions,
Speaker 1: because I was going to ask if it could end
Speaker 1: up before the Supreme Court, which which it could eventually
Speaker 1: if they accepted it. But no decision before the election, Right,
Speaker 1: it's going to be a while.
Speaker 5: Yeah, it's going to be a while. There's certainly no
Speaker 5: chance this case goes to trial before the election. It
Speaker 5: will probably probably won't even see a decision from the
Speaker 5: Court of Appeals before the election, and then of course
Speaker 5: the great unkown of the Supreme Court. Notably, there was
Speaker 5: no actually mention of recusing Judge Cannon, which was something
Speaker 5: that was debated kind of in the weeks preceding this appeal,
Speaker 5: given the fact that if the DJ seriously wants this
Speaker 5: case to go forward, it seems unlikely with that judge
Speaker 5: overseeing the case.
Speaker 1: Okay, and so what's next. In thirty days, they respond
Speaker 1: to the appeal.
Speaker 5: Yeah, So in thirty days, Trump's team will respond to
Speaker 5: this motion, and then there'll be another response from Jack
Speaker 5: Smith's team, and then at some point there'll be oral
Speaker 5: argument where the panel of judges will kind of ask
Speaker 5: some questions the judge to the lawyers for both.
Speaker 1: Sides, okay, And if the panel then if they said, okay,
Speaker 1: we accept this appeal, would it go back down to
Speaker 1: the judge or would they try it there? No, they
Speaker 1: wouldn't try it at the appeals level. Would it go
Speaker 1: back down to the judge?
Speaker 5: It gets complicated at that point because, on one hand,
Speaker 5: if this appeal is if this decision from Judge Cannon
Speaker 5: is reversed, the case does get handed back down to
Speaker 5: the Southern District of Florida and Judge Cannon. Technically, unless
Speaker 5: Jack Smith's team separately asks for the judge to be accused.
Speaker 5: Trump's team could also appeal that decision and ask the
Speaker 5: Supreme Court or the entire Court of Appeals and in
Speaker 5: bond hearing to reconsider the issue. So it's really hard
Speaker 5: to say what happens next. Even if this decision gets
Speaker 5: reversed by the Court of Appeals.
Speaker 1: Okay, then here's another one Peter, Could the appeals Court say, Okay,
Speaker 1: we're going to overturn that and let it go back
Speaker 1: down to the courts. But Jack Smith, because you're you
Speaker 1: really can't be on this case, somebody else has to
Speaker 1: try it. Could they do that?
Speaker 5: They could in on this question of Jack Smith's constitutionality
Speaker 5: in a way. By kind of dismissing this case on
Speaker 5: the grounds of Jack Smith's appointment, Judge Cannon theoretically has
Speaker 5: opened a bit of a can of worms here that
Speaker 5: the court could kind of dive into and question his authority.
Speaker 5: Most legal experts, though, seem to think that this tradition
Speaker 5: of appointing special councils is well founded in the law
Speaker 5: and has been put into practice basically for over fifty years.
Speaker 5: So while it's unlikely, it's not outside of the realm
Speaker 5: of possibility that we see continued scrutiny on Jack Smith's appointment.
Speaker 1: Okay, never a dull moment in Trump world. Thanks for
Speaker 1: helping us sort it out, Peter Hower, Olumbus, appreciate your
Speaker 1: time and your insight.
Speaker 5: Thanks as always, Amy, I appreciate.
Speaker 1: It all right, talk to you soon. Let's get back
Speaker 1: to some of the stories coming out of the KFI
Speaker 1: twenty four hour newsroom. LA will pay nearly forty million
Speaker 1: dollars for not meeting disability requirements for federally funded housing.
Speaker 8: Federal prosecutors alleged the city build housing with federal money
Speaker 8: that had too high of countertime ops, two steep of slopes,
Speaker 8: and doorways that were not wheelchair accessible. The city was
Speaker 8: also accused in twenty seventeen of not having a publicly
Speaker 8: available list of accessible units. The settlement was announced yesterday.
Speaker 8: US Department of Housing and Urban Development Inspector General Ray
Speaker 8: Oliver Davis says by failing to make certain that hud
Speaker 8: funded housing was appropriately built to meet federal accessibility requirements,
Speaker 8: the city discriminated against people with disabilities.
Speaker 9: Blake Trolly, k if I News.
Speaker 1: Republican vice presidential candidate JD Vance has said to speak
Speaker 1: at a fundraiser in Rancho Santa Fe in San Diego County.
Speaker 1: Tickets for the event next week range from one thousand
Speaker 1: to fifty thousand dollars per couple. Vance then heads to
Speaker 1: another fundraising reception in La on September eighth. Two US
Speaker 1: aircraft carrier groups are in the Middle East after Israel
Speaker 1: and Hesbela fired missiles at each other in Lebanon over
Speaker 1: the weekend. ABC's Britt Clinet says Iran has renewed its
Speaker 1: threats to strike Israel. An all out war between Israel
Speaker 1: and Hezbla may have been averted for now.
Speaker 9: But Iran now doubling down on its.
Speaker 7: Threats to strike Israel in response to the assassination of
Speaker 7: Hamasa's political leader in Tehran nearly a month ago.
Speaker 1: Clinton says Israeli Prime Minister Netanyahu will send his delegation
Speaker 1: to Cairo later this week to try to settle on
Speaker 1: a ceasefire agreement in Gaza. Thirty states have now reported
Speaker 1: cases of West Nile virus. ABC's Ariel Rechef says some
Speaker 1: communities have started spraying against mosquitoes to stop the spread.
Speaker 1: Trucks from New York City's Health Department will be fanning
Speaker 1: across Manhattan and Brooklyn targeting disease carrying mosquitoes with pasticide spray.
Speaker 1: Eight cities in Massachusetts are at high risk for West Nile.
Speaker 1: The town of Plymouth has closed fields and parks from
Speaker 1: dusk until dawn so people aren't exposed to the mosquitoes.
Speaker 1: The launch of Space Ex's Polaris Dawn mission has been
Speaker 1: delayed because of a helium leak. The launch was supposed
Speaker 1: to happen today, but now we'll have to wait until
Speaker 1: at least tomorrow to try again. ABC's Alex Stone says
Speaker 1: the crew plans to go eight hundred and seventy miles
Speaker 1: above Earth, which is the highest human spaceflight since the
Speaker 1: Apollo missions.
Speaker 4: During the five day trip, two of the crew members
Speaker 4: are planning to exit the spacecraft four hundred and thirty
Speaker 4: five miles above Earth.
Speaker 1: Is part of a test of SpaceX's new spacesuits. SpaceX
Speaker 1: says Falcon and Dragon remain healthy and the crew continues
Speaker 1: to be ready for their multi day mission to low
Speaker 1: orbit a low Earth orbit, and you might want to
Speaker 1: check your five dollar bill, it could be worth thousands.
Speaker 1: Go Banking Rates says a five dollar bill was so
Speaker 1: called solid serial numbers on it. That means that all
Speaker 1: the serial numbers are the same, so like one one
Speaker 1: one one one one is worth as much as two
Speaker 1: thousand dollars. Only about one in eleven million bills with
Speaker 1: solid serial numbers are in circulation. But if you have one,
Speaker 1: the penny hoarder says, take it to a coin shop
Speaker 1: and get it appraised. First of its kind bill would
Speaker 1: make illegal immigrants eligible for first time home loans. The
Speaker 1: bill in the Democrat controlled legislature would make immigrants eligible
Speaker 1: for a to one hundred and fifty thousand dollars in
Speaker 1: taxpayers supported home loans In California. Governor Newsom hasn't said
Speaker 1: whether he would sign the measure if it reaches his
Speaker 1: desk by the August thirty first deadline. The US soldier
Speaker 1: who ran across the DMV from South into North Korea
Speaker 1: last year is expected to plead guilty to five of
Speaker 1: fourteen charges against him. Travis King crossed the border in
Speaker 1: July of twenty twenty three and then was held in
Speaker 1: North Korea until he was released to the US in September.
Speaker 1: A LaBamba remake is in the works. Variety reports Sony
Speaker 1: Pictures as developing a remake of the Golden Globe nominated
Speaker 1: La Bamba about Richie Vallen's Vallins, played by lou Diamond
Speaker 1: Phillips in the nineteen eighty seven movie, died at the
Speaker 1: age of seventeen in the plane crash, along with Buddy
Speaker 1: Holly and The Big Bopper. The writer and director of
Speaker 1: the original food film. Lewis Valdiz will serve as executive
Speaker 1: producer at six oh five, It's handled on the news.
Speaker 1: Love this ATM. Fees have hit an all time high.
Speaker 1: Right now, let's say good morning to ABC's Jim Ryan,
Speaker 1: Jim Merglaries are out of control, more and more brazen.
Speaker 1: We just had a big home invasion in Sherman Oaks overnight.
Speaker 1: They luckily caught a couple of guys, but residents are
Speaker 1: doing something to try to hide themselves from criminals.
Speaker 10: Now, yeah, and this is something I actually saw that
Speaker 10: came out of southern California, where you've had all sorts
Speaker 10: of problems or at least higher profile burglaries and home invasions,
Speaker 10: break ins like that. People what they're doing. The suspicion
Speaker 10: a means that some folks, some burglars and then criminals
Speaker 10: are going online. They're going to Google maps. They're checking
Speaker 10: out various neighborhoods by you know, dropping the little man
Speaker 10: down on the street and cruising through neighborhoods virtually and
Speaker 10: checking out see what houses are there, maybe see what
Speaker 10: kind of car you have in front of your house,
Speaker 10: and getting a very clear, crystal clear image of what's
Speaker 10: out there. You know, the license plates are blurred out.
Speaker 10: And if you happen to be in the front yard
Speaker 10: picking up your newspaper or something, your face is blurred
Speaker 10: out too. You've seeing the Google car go by right
Speaker 10: and so. But people are going online now, they're going
Speaker 10: to Google Maps. They are finding their own homes and
Speaker 10: blurring them. And it's a very simple process to go
Speaker 10: and go in there and blur out the image of
Speaker 10: off your car. You know, you know your maserati is
Speaker 10: sitting there. You don't want criminals to see that, or
Speaker 10: your mansion, or at least your address. You can blur
Speaker 10: out your address if you want to, just that small
Speaker 10: chunk of it. So it's an easy process, and I'll
Speaker 10: tell you how you to do it if you want to.
Speaker 1: Hear okay, I do okay.
Speaker 10: So you find your house on Google Maps, on a
Speaker 10: Google Earth US street view, and you click on the
Speaker 10: button there. It's in the upper left. I think it
Speaker 10: says report a problem up a right or lower right.
Speaker 10: And once you're a reporter problem, it gives the option
Speaker 10: to blur out any particular part of that image, whether
Speaker 10: it's the house or the car, whatever it is that
Speaker 10: you've framed up in the picture. You do have to
Speaker 10: certify and promise there that it is your house, that
Speaker 10: it's somebody else's house that you're trying to do this too,
Speaker 10: and then there's a review process and then Google will
Speaker 10: blur it. It'll blur that image right there, so people
Speaker 10: cruising through the neighborhood then checking it out, we'll see
Speaker 10: a fuzzy image there as they're virtually cruising down your street.
Speaker 1: Okay, So Jim, it doesn't happen instantaneously. You basically have
Speaker 1: to apply to have it done. Because I was just
Speaker 1: going to ask you, well, couldn't I just go on
Speaker 1: to some website start blurring people's houses.
Speaker 10: Sure. Yeah, And that's why Google has that process. They're
Speaker 10: going to check out I assume, one way or another
Speaker 10: to show that you're the registered property owner there at
Speaker 10: that particular place, and then they'll go ahead and blur.
Speaker 5: It for you.
Speaker 10: But I mean, it's just and there's no real evidence
Speaker 10: that criminals are cruising neighborhoods virtually and checking them out
Speaker 10: on Google Maps and street view. But the police say
Speaker 10: that whatever we can do to protect yourself, it's just
Speaker 10: another step, same as the sign in front of your
Speaker 10: house that says I have an alarm system or there's
Speaker 10: a barracuda loose in the house, something like that.
Speaker 9: You know, whatever, you can do it.
Speaker 10: It's another step toward protecting yourself.
Speaker 1: Okay. And you said that it started in LA. Is
Speaker 1: it spreading now across the country.
Speaker 10: Well, I think the trend started in LA. For starting
Speaker 10: in southern California because of break ins and things there.
Speaker 10: That's it seems to be where it's most predominant. But
Speaker 10: it's been available everywhere, I think for as long as
Speaker 10: street view has been around.
Speaker 1: Okay, I didn't know that. Okay, So here's here's me
Speaker 1: playing Devil's advocate.
Speaker 9: Go ahead.
Speaker 1: Could a blurred picture actually entice burglars and invaders?
Speaker 10: Sure it could. Or let's say you want to sell
Speaker 10: your house someday and home shoppers cruising down you know,
Speaker 10: then I did that buying house. You know, you virtually
Speaker 10: go down the street. Yeah that's nice. Nice, and you know,
Speaker 10: I'm pretty looking at houses for sale, and so yeah,
Speaker 10: there is a potential downside to it, and it may
Speaker 10: attract people who say, well, if that's a mansariety that's
Speaker 10: blurred out there in front of Amy's house, you know,
Speaker 10: Could it do that? Sure it could. I mean, there's
Speaker 10: no this is all anecdotal anyone. I don't think there's
Speaker 10: hard evidence to suggest that burglars are doing this or
Speaker 10: that this is going to help. But it is just
Speaker 10: one more thing. You'd also get an app on your
Speaker 10: phone that says that tells you about crimes or crime
Speaker 10: trends in your neighborhood or your town, and there's another
Speaker 10: way to do that. I think the main thing, though
Speaker 10: the police sector suggesting Amy is putting down the phone,
Speaker 10: putting away the laptop there, going outside, meeting your neighbors right,
Speaker 10: knock on the door and say, hey, I'm Amy, I
Speaker 10: live next door. If I'm out of town, could you
Speaker 10: watch the place. I'll do the same for you and
Speaker 10: build a relationship with your neighbors.
Speaker 1: I think that that is a really good idea because
Speaker 1: nosy neighbors are good. I used to live next to
Speaker 1: somebody who she knew everything going on in the neighborhood,
Speaker 1: and some of the neighbors would complain about it, and
Speaker 1: I'm like, no, no, it's a good thing because if
Speaker 1: something is awry, she's going to be the first one
Speaker 1: to go, h excuse me.
Speaker 10: Yeah, we'll call the cops or something. Yeah.
Speaker 1: Absolutely, Yeah. And you know, and the other thing that
Speaker 1: app that you mentioned about trending and that kind of thing,
Speaker 1: there's that neighborhood app. Yeah, and I had to get
Speaker 1: rid of it because all everybody does is talk about
Speaker 1: bad stuff. God, I don't even want to know about this.
Speaker 10: Yeah, gossip and racist rants in some places. It's just
Speaker 10: no fun anymore. I got off that a long time ago, too, So.
Speaker 1: Blurring homes not hard to do. Just take some minute.
Speaker 1: Google theoretically reviews it. A wonderful live person reviews it,
Speaker 1: or if it must not be, it's got to be
Speaker 1: some sort of algorithm says yes, or well, I.
Speaker 10: Think you're right. I mean they have the records there.
Speaker 10: They know, you know, property records, who are places registered
Speaker 10: to and looking at the address, it's probably done in
Speaker 10: a millisecond.
Speaker 1: Well, I think doing anything you can to protect your property.
Speaker 1: Since even though they say crime stats are lower, I
Speaker 1: don't buy it, because we just hear about these things
Speaker 1: happening more and more. They've got a whole neighborhood or
Speaker 1: community on alert in West LA because of all the
Speaker 1: break ins they've had recently. So yeah, all right, you
Speaker 1: see Jim Ryan, thank you so much.
Speaker 10: All right, appreciate it.
Speaker 1: Touch to you soon. Okay, all right, let's get back
Speaker 1: to some of the stories coming out of the KFI
Speaker 1: twenty four hour newsroom. Public health officials in the US
Speaker 1: are urging people to get the newly available COVID nineteen
Speaker 1: vaccine ahead of the winter respiratory illness season. ABC's Sony
Speaker 1: Salzman says, the vaccines are aimed at keeping virus cases
Speaker 1: out of hospitals.
Speaker 6: These vaccines, they do a really good job protecting you
Speaker 6: from that severe illness.
Speaker 1: They do not do the best job against protecting you
Speaker 1: from infection. Full stop. Salesman says. Peak of protection last
Speaker 1: for maybe two weeks after someone gets the shot. Bodycam
Speaker 1: video shows a sheriff's deputy in Orange County shoot a
Speaker 1: man who had allegedly decapitated his parents and their dog
Speaker 1: in San Juan Capistrano.
Speaker 2: The man, wearing blood soaked clothes, is id'd as Joseph Gerdville.
Speaker 2: He continues advancing, holding what turned out to be a
Speaker 2: water meter in his hand, gets shot, falls to the ground,
Speaker 2: bleeding heavily, but can be heard singing a Tina Turner
Speaker 2: song as deputy's treat.
Speaker 9: It's the gunshot wounds.
Speaker 2: The man can also be heard last month saying I
Speaker 2: love you and please finish me off. Gerdwille faces murder
Speaker 2: charges that a first court appearance set for next month
Speaker 2: in Orange County Corbin Carson kf I.
Speaker 1: News deliberations are set to resume this morning in LA
Speaker 1: in the trial of former high profile lawyer Tom Girardi.
Speaker 1: Prosecutors claim he ran a Ponzi scheme between twenty ten
Speaker 1: and twenty twenty and stole about fifteen million dollars in
Speaker 1: settlement money from his clients. Prosecutors accused Girardi of using
Speaker 1: the money to buy private jets, golf club memberships, and jewelry,
Speaker 1: then lying about it. Defense lawyers claim it was the
Speaker 1: other people at Girardi's law firm who stole the money.
Speaker 1: The law firm closed in twenty twenty. Girardi was disbarred
Speaker 1: in twenty twenty two. A federal judge in Texas has
Speaker 1: temporarily stopped the Biden Administration's new protections that would allow
Speaker 1: a path to citizenship for the immigrant spouses of US citizens.
Speaker 1: President Biden announced the program in June. Sixteen states led
Speaker 1: by Republicans Attorneys General challenged the program in a lawsuit
Speaker 1: filed last week. The state accused the administration of bypassing
Speaker 1: Congress for blatant political purposes. Mariah Carey has announced the
Speaker 1: deaths of her mother and her sister. Gary first said
Speaker 1: yesterday that her heart was broken because her mom had died,
Speaker 1: and then said her sister also died the same day.
Speaker 1: She didn't give any details on the cause, but did
Speaker 1: ask for privacy. Travelers are still facing delays and cancelations
Speaker 1: at SeaTac Airport because of a cyber attack. The airport's
Speaker 1: networks were shut down on Saturday when hackers were found
Speaker 1: in the systems. Wi Fi has been turned off. The
Speaker 1: luggage handling system is down and that's causing delays getting
Speaker 1: bags onto the planes. It's unknown when systems will be
Speaker 1: up and running again. The lapds asking free help in
Speaker 1: finding a newborn baby, her fourteen year old mother and
Speaker 1: fifteen year old sister in law. Officials say the three
Speaker 1: may be headed to the High Desert. The baby has
Speaker 1: a heart condition and needs daily medication. Amoria and Sinai
Speaker 1: Brown and the baby o Maria were last seen Sunday night.
Speaker 1: Republican vice presidential candidate jd Vance is going to be
Speaker 1: in La next week for a fundraising reception. Tickets range
Speaker 1: from thirty three hundred dollars per person to fifty thousand
Speaker 1: for a couple. Before La, Vans will be speaking at
Speaker 1: a luncheon fundraiser in Rerancho Santa Fe in San Diego
Speaker 1: County on September sixth. Magic Mountain's going to start requiring
Speaker 1: anyone fifteen or under to have an adult chaperone to
Speaker 1: get into the park. It starts next week. Park officials
Speaker 1: say the chaperone policy will remain in place through the
Speaker 1: fright Fest extreme Halloween event because of recent increases in
Speaker 1: unruly and inappropriate behavior. At six oh five, it's handle
Speaker 1: on the news, California lawmakers have passed the first in
Speaker 1: the nation legislation that requires public universities to hire illegal
Speaker 1: immigrants even if they don't have permits to work in
Speaker 1: the US. At five poin fifty, We're going to learn
Speaker 1: how to money with Joel Larsgard. We're talking about those
Speaker 1: nasty little ATM fees which are getting bigger and the
Speaker 1: best way to make your money grow now. The way
Speaker 1: that you pay your real estate agents has changed in
Speaker 1: California and it's confusing. So to help us sort it
Speaker 1: all out, let's say good morning to real estate agent
Speaker 1: and former technical producer for the Bill Handle Show, Justin Warsham. So, Justin,
Speaker 1: this is a total treat for me because very few
Speaker 1: people actually get up and come into the studio at
Speaker 1: five o'clock in the morning. So thanks for making the time.
Speaker 1: And oh, Harry, So this is the reason that we
Speaker 1: had to talk to Justin. As you may or may
Speaker 1: not have heard, we've just kind of gone through a
Speaker 1: metamorphosis and changed the way that houses are bought and sold.
Speaker 9: At least in California.
Speaker 11: I want to be clear that a lot of people
Speaker 11: come to me and say, well, now with these new
Speaker 11: law changes, nothing has changed in the law.
Speaker 1: Okay.
Speaker 9: All that has.
Speaker 11: Changed is the policy in which they have taken the
Speaker 11: cooperation element out of the multiple listing service.
Speaker 1: Wait, now, you got to back up. Does that even mean?
Speaker 11: Multiplistic service is what a realtor uses to put your
Speaker 11: house on the market to be seen by other realtors.
Speaker 1: Right, So that's where all the pictures are with all
Speaker 1: descriptions of the houses.
Speaker 9: Correct.
Speaker 11: Okay, So there was an element of that called cooperation
Speaker 11: where if you were a member of an MLS or
Speaker 11: multiple listing service, there was an implied commission that as
Speaker 11: a buyer's agent you would get that has been taken
Speaker 11: away due to the settlement that happened with NAR.
Speaker 1: Okay, So this is not a law. This is a
Speaker 1: legal issue, and because of the settlement, you guys have
Speaker 1: to change the way that you do commissions, correct, Okay,
Speaker 1: So now we have that basis. Okay, So what changes
Speaker 1: Because it used to be a certain percentage, Like yeah.
Speaker 11: I would go, so I'm going to sell your house
Speaker 11: for Yamy King, and I would come to you and say,
Speaker 11: on average in southern California, I charged five to six
Speaker 11: percent commission, and I would take a part of that
Speaker 11: five or six percent commission and I would give it
Speaker 11: to a buyer's agent. So technically you were paying me
Speaker 11: and I was paying the buyer's agent, not you technically
Speaker 11: paying the buyer's agent.
Speaker 1: Gotcha. Okay. So now what's different.
Speaker 11: Now is I can only talk to you about what
Speaker 11: you're going to pay me. And I cannot put on
Speaker 11: the MLS any implied their concessions instead of commissions. But
Speaker 11: I can't put on the internet that there is an
Speaker 11: implied amount that you as the seller are willing to pay.
Speaker 11: A buyer's agent, I can have a verbal conversation with you,
Speaker 11: and as a buyer's agent, if I submitted an offer,
Speaker 11: I put in there that I would like to get
Speaker 11: from the seller two and a half percent of the
Speaker 11: purchase price.
Speaker 1: Oh my god, so confusing. Okay, So if I am
Speaker 1: the seller, yeap. Let me see. If I'm the seller,
Speaker 1: I agree to pay you the old way. I agree
Speaker 1: to pay you five to six percent, correct, and then
Speaker 1: you split the commission.
Speaker 11: Yeah, let's use the most common I would say, I'm
Speaker 11: going to charge five percent, two and a half percent
Speaker 11: goes to me, two and a half percent goes to
Speaker 11: the buyer's agent, and on the listing agreement, we would
Speaker 11: disclose that information to you.
Speaker 1: Okay, So now I get to negotiate how much I
Speaker 1: want to pay.
Speaker 11: You always could negotiate. That's another misnomer that everybody did.
Speaker 11: That everybody, And that's part of the reason why the
Speaker 11: DOJ brought all this up is that the public felt misinformed.
Speaker 11: And so you could always negotiate your commission for your
Speaker 11: agent as a listing agent, you could always negotiate your commission.
Speaker 9: As a buyer's agent.
Speaker 11: It's just a little bit more difficult when you're asking
Speaker 11: for a commission reduction as a buyer's agent, because technically
Speaker 11: you would be saving the seller money. Like this just
Speaker 11: came up with me on a transaction, I'm doing okay.
Speaker 1: So now if I'm buying as the buyer, I have
Speaker 1: to pay my agent correct and as the seller, I
Speaker 1: pay my agent. So as the seller, I'm not paying
Speaker 1: my agent and the buyer's.
Speaker 9: Agent not anymore technically and less.
Speaker 1: Well, how am I going to get the money if
Speaker 1: I'm buying a house to pay an agent?
Speaker 11: And that is the problem that realtors have with all
Speaker 11: of this is that this was all forced down our
Speaker 11: throat without anybody taking the time to allow lending guidelines
Speaker 11: to allow a buyer to pay their agent out of
Speaker 11: their loan.
Speaker 9: So realistically, what's.
Speaker 11: Happening behind the scenes for the most part is that
Speaker 11: the system is working exactly the way it used to,
Speaker 11: only there's just a lot more conversation about a buyer's
Speaker 11: agent commission before it was predetermined the minute I took
Speaker 11: the listing. We know a buyer's agent is getting two
Speaker 11: and a half percent when your house goes on the market. Now,
Speaker 11: when an agent submits to me, they can call and say, hey,
Speaker 11: is the seller willing to pay any concession? And I
Speaker 11: could say, I talk to my seller and I'm they're
Speaker 11: willing to pay two percent, two and a half percent,
Speaker 11: one and a half percent, whatever it is that they
Speaker 11: are willing to pay. So now, as a buyer's agent,
Speaker 11: I put that in the deal. And then you also
Speaker 11: have to show in this document this is what I'm
Speaker 11: expecting the seller to pay. And then you also have
Speaker 11: to provide proof that you have a buyer representation agreement.
Speaker 1: Now, okay, so this is a mess. So here's my
Speaker 1: takeaway from this. Justin you got to get yourself a
Speaker 1: good agent so they can explain this to you and
Speaker 1: then pay attention because one, as a buyer or a seller,
Speaker 1: you have the power to negotiate that rate. Always always
Speaker 1: didn't know that.
Speaker 11: And my advice when you're looking for an agent, have
Speaker 11: this conversation with your agent, and if you feel like
Speaker 11: your agent can't break this down for you, then find
Speaker 11: another agent. Most of the time people go with the
Speaker 11: first agent that either they know or they're referred to,
Speaker 11: but they should be talking to two to three agents.
Speaker 9: And it's really about that vibe.
Speaker 11: You want to feel like that person is looking out
Speaker 11: for your best interest above their own, and they could
Speaker 11: properly articulate to you and are willing to articulate to
Speaker 11: you any of your questions or confusions or deal with
Speaker 11: any of your concerns.
Speaker 1: Yeah, and for me that's important because I got a
Speaker 1: lot of.
Speaker 11: Questions anxious clients at my wheelhouse man, that's my spot.
Speaker 1: Justin Worsham, thank you so much. This is so helpful.
Speaker 1: At least I have a rudimentary understanding of it now
Speaker 1: and again, talk to your buyers or seller's agent.
Speaker 9: Always a big fan of you, Amy King, always a
Speaker 9: big fan.
Speaker 1: Thanks, Justin, Thank you. We're going to put that up
Speaker 1: also on the CAFI website, just because I think that
Speaker 1: Justin gave us such great information and it is confusing,
Speaker 1: like why not just keep it the way that it
Speaker 1: was done? But then government gets involved. So again, the
Speaker 1: law hasn't changed, but the rules changed because of a
Speaker 1: legal settlement. So again, it's going to be up on
Speaker 1: the wake Up Call page at KFIAM six forty dot com,
Speaker 1: or you can go and re listen to the interview
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Speaker 1: We're just minutes away from Handle on the news this morning,
Speaker 1: and you know, ATM fees are at an all time high.
Speaker 1: Handle's going to talk about that. But before Handle does it,
Speaker 1: we're going to talk to Joel Larsgard about it. He's
Speaker 1: the host of Powder Money on KFI. Good morning, Joel.
Speaker 9: Good morning.
Speaker 6: Let's beat Handle to the punch.
Speaker 1: I know, right, okay, ATM fees, I just saw that
Speaker 1: they were at record highs. Yeah, But first of all,
Speaker 1: who gets charged atmfees? It used to be that if
Speaker 1: you went to your bank, you didn't get fees. Is
Speaker 1: that changed?
Speaker 6: That's a lot of times that is true. So if
Speaker 6: you're going to let's say you're with Bank of America,
Speaker 6: you go to a Bank of America ATM, you're typically
Speaker 6: not going to get charged some sort of ATM fees.
Speaker 6: But there's you know, you're not always going to your
Speaker 6: bank's ATM. When you're looking for cash, you're going to
Speaker 6: the most convenient one. Let's say you're at a concert
Speaker 6: and you need cash or something like that. You're out
Speaker 6: and about, you just go to the one that's closest
Speaker 6: to you. And in that case, you might be paying
Speaker 6: ridiculous fees to access money. And if you're grabbing forty
Speaker 6: bucks and the ATM fee is five bucks, like, think
Speaker 6: about the interest rate is exorbitant essentially for you to
Speaker 6: grab your own cash, and.
Speaker 1: Especially if I do that, I'd pull out more money.
Speaker 6: Right, which is I think an understandable reaction. Right, You're like, listen,
Speaker 6: I'm just gonna pull even more than I need because
Speaker 6: the fee is just expensive. And there are certain ways
Speaker 6: around this. By the way, I feel like when it
Speaker 6: comes to banking fees, we're kind of in Barbel territory here.
Speaker 6: We're on one side of the equation. Some banks are
Speaker 6: doubling down and they're increasing fees on everything under the sun,
Speaker 6: and then other banks are saying, no, we're basically eliminating
Speaker 6: all fees altogether. You never have to worry about this,
Speaker 6: and so who you bank with makes a big difference
Speaker 6: on this front. So, but on the ATM fees in particular,
Speaker 6: there are ways to avoid this. There are some banks
Speaker 6: that have networks essentially where hey, guess what, they're all
Speaker 6: point ATMs or something like that. If you're with Capital
Speaker 6: One and a lot of those. There are ATMs that
Speaker 6: are at Targets and Walgreens, and then you don't get
Speaker 6: charged any fee for accessing your money when you find
Speaker 6: specifically an ATM that's within their network. And then there
Speaker 6: are other banks that just say, hey, listen, worre they're
Speaker 6: going to refund a portion of whatever ATM fees you
Speaker 6: pay in a given month, or every single atmfee that
Speaker 6: you ever incur.
Speaker 9: Ever, like a Schwab, which.
Speaker 6: Is an investment firm, they have a banking side, and
Speaker 6: so if you are a habitual ATM user and you're
Speaker 6: constantly paying ATM fees because you're getting money from an
Speaker 6: ATM that's not in your bank's network, going with Schwab
Speaker 6: would mean like, hey, they're going to forgive all of
Speaker 6: those charges, like in perpetuity.
Speaker 1: You mean retrospectively or moving forward.
Speaker 6: Basically they always have. So if you let's say you
Speaker 6: get ATM five ATM withdrawals this month and you're paying
Speaker 6: the average now ATMFE which is like four dollars and
Speaker 6: seventy seven cents apiece. You're getting all of those charges forgiven.
Speaker 6: That's just one of the perks of being a Schwab customer.
Speaker 1: Okay, so good idea to check and it's okay to ask, hey,
Speaker 1: do you guys charge ATM fees?
Speaker 6: Yep, yeah, exactly, and then just like looking for if
Speaker 6: there is a robust network that's nice, like they like
Speaker 6: I'm with Capital One and uh and I've always enjoyed
Speaker 6: that where it's like, okay, cool. Maybe it's not the
Speaker 6: ATM that's closest to me, but there's always one within
Speaker 6: spitting distance.
Speaker 1: It's sort of like the airlines when they share miles.
Speaker 5: Yeah.
Speaker 6: Yeah, it's got aspects of that for sure. It's like, yeah,
Speaker 6: we're all going to kind of join up and have
Speaker 6: this have this ATM network and you can use it,
Speaker 6: you know, the ones that are that other banks are
Speaker 6: using too, and there's overlap there.
Speaker 9: So yeah, I don't know.
Speaker 6: I don't know how often people are getting money from
Speaker 6: ATM ATMs either, by the way, these days I have it.
Speaker 6: I don't know the last time I grab money from
Speaker 6: an atm.
Speaker 9: And maybe that's all.
Speaker 6: Yeah, so maybe that's also part of the reason that
Speaker 6: that that the fees are going up and you just
Speaker 6: have to be more careful because people are using them
Speaker 6: less and less frequently, and because of that, they have
Speaker 6: to make more profit every time you use them. So
Speaker 6: just be tend to pay attention and be aware that
Speaker 6: when you use those ATMs, it's going to cost more
Speaker 6: of these days.
Speaker 1: Okay, So that leads me to my next question, Joel,
Speaker 1: and that is that people aren't using ATMs, but where
Speaker 1: are they getting cash? And one of the places where
Speaker 1: I get cash a lot of times is it the
Speaker 1: grocery store. Yeah, and I have noticed grocery store chain
Speaker 1: to remain unnamed Ralph's started charging.
Speaker 6: Oh really to get cash back at the at the register. Really, yeah,
Speaker 6: because that's usually that is one way to avoid it
Speaker 6: that people do that is they'll go in, they'll buy
Speaker 6: a pack of gum because you can actually use the
Speaker 6: gum and the gums at buck fifty or something like that,
Speaker 6: and then you get your twenty bucks back because you
Speaker 6: need the cash. And that was typically a way to
Speaker 6: avoid ATMPs too. Oh, that's fascinating. The grocery stores are
Speaker 6: starting to switch that up on people too.
Speaker 1: Yeah. And then like at convenience stores, if you go
Speaker 1: buy something and you use a card, they charge you
Speaker 1: like a seventy five cent or a dollar fifty feet,
Speaker 1: so you got to watch for it. They haven't posted usually,
Speaker 1: but at convenience stores, I've seen it coming up too well.
Speaker 6: And often with the convenience stores, there's a minimum threshold
Speaker 6: of what they want you to spend to be able
Speaker 6: to avoid that fee, right, And so what they're trying
Speaker 6: to do is is they get charged fees for every
Speaker 6: time there's a swipe when you're buying something, and they're saying, okay, cool,
Speaker 6: because we have to pay this ridiculous fee to be
Speaker 6: said MasterCard, You've got to buy something that's minimum ten
Speaker 6: or fifteen bucks or something for you to be able
Speaker 6: to use your credit card than otherwise we want you
Speaker 6: to use cash.
Speaker 1: Yeah, okay. Then, speaking of cash and making more of it,
Speaker 1: should you abandon your high yield savings account for a CD?
Speaker 1: Bloomberg says you should?
Speaker 6: Yeah, So that's interesting. When you read the headline, you're like,
Speaker 6: wait a second, why am I supposed to abandon my
Speaker 6: high held savings account?
Speaker 3: Right?
Speaker 6: Is rates are just getting good, Like for the first
Speaker 6: time in a long time. Over the past couple of years,
Speaker 6: we've seen sabers actually rewarded for having money stashed away,
Speaker 6: whereas for so many years the high interest rate was
Speaker 6: like half a percent, right, And the sad thing is
Speaker 6: with the big banks the rates are still trash. But
Speaker 6: Bloomberg is making a reasonable prediction here, and one of
Speaker 6: the things that they're trying to get across to people
Speaker 6: is that as the FED is basically saying, hey, rates
Speaker 6: are likely to go down, We're likely to cut rates
Speaker 6: in the near future, that rates for CDs and for
Speaker 6: savers are likely.
Speaker 9: To go down.
Speaker 6: And that does mean and actually we've already seen that
Speaker 6: on the CD front. Because of even just that projection
Speaker 6: of rates going down, banks and started to lower what
Speaker 6: they're paying on CDs. And so, should you lock your
Speaker 6: money in to basically have a higher rate promise to
Speaker 6: you for six or twelve or eighteen months. The answer
Speaker 6: is maybe right, because lots of times what happens with
Speaker 6: savings is you want it liquid, like this is emergency fund.
Speaker 6: This is for hey, if I lose my job or
Speaker 6: if something happens to my vehicle, I need this cash.
Speaker 6: And when you put money into a CD, you're locking
Speaker 6: it away and you're basically preventing yourself from having access
Speaker 6: to that cash. And so you have to realize, Okay,
Speaker 6: is this medium term money or is this potentially short
Speaker 6: term money? And if it's short term money, it needs
Speaker 6: to stay in liquid savings even though might drop on
Speaker 6: your savings account in the coming months.
Speaker 1: Okay, the question for you about the CD. You don't
Speaker 1: lose your money and you don't get penalized if you
Speaker 1: pull it out of the CD early, right, You just
Speaker 1: don't get the interest that you got.
Speaker 6: No, typically there is a penalty. Oh the interest you
Speaker 6: lose some of the interests to you've accrued. That's what
Speaker 6: they're that's the stick in order to keep you in
Speaker 6: that CD that you've agreed to. There are really cool
Speaker 6: I was actually just talking with Cono about this, Like
Speaker 6: Ally has something called a no penalty CD. The rate
Speaker 6: on the no penalty CD right now is four percent.
Speaker 6: The rate on their savings account is four point two percent.
Speaker 6: So why would you take their CD which pays less
Speaker 6: than you would then instead of just a traditional savings
Speaker 6: account that they have the high end savings account. Well,
Speaker 6: The reason you would pick the CD is because you're
Speaker 6: assuming that that savings rate is going to be lower
Speaker 6: a couple months from now, six months from now, and
Speaker 6: so you're banking on Hey, I want to I want
Speaker 6: the guaranteed four percent. And the cool thing about the
Speaker 6: no penalty CD they offer is that you can take
Speaker 6: your money out that one time I'm like, without paying
Speaker 6: any sort of interest back to the bank. So it's
Speaker 6: not many banks offer that, but Ally is one of
Speaker 6: those that has a no penalty CD, which is kind
Speaker 6: of a cool product.
Speaker 1: Good to know. Okay, so before we run out of time,
Speaker 1: just if you're nervous about this and you want to
Speaker 1: give it, I mean, if you've got I don't know,
Speaker 1: twenty thousand dollars sitting there are forty thousand dollars, can
Speaker 1: you do like a portion of it and say I'm
Speaker 1: going to try a CD, but not put all of
Speaker 1: it in a CD.
Speaker 9: One hundred percent?
Speaker 6: Yeah, you can definitely take a both and approach. And
Speaker 6: the other thing people are doing as well is something
Speaker 6: called CD laddering. So let's say you need money six
Speaker 6: months from now, twelve months from now, eighteen months from now.
Speaker 6: You can put and you've got thirty grand that you're like,
Speaker 6: this is more medium to long term sort of money
Speaker 6: that I don't necessarily want invested. But you can open
Speaker 6: up a six month CD, a twelve month CD, in
Speaker 6: an eighteen month CD and put you know, equal portions
Speaker 6: into each one. There are all sorts of ways to
Speaker 6: use CDs to your benefit. But it is likely true
Speaker 6: that you know you're getting a locked in better rate,
Speaker 6: even though it's I would say, take you know, future
Speaker 6: rate cut predictions with a grain of salt. There were
Speaker 6: a lot of predictions, you know, twelve months ago. Those
Speaker 6: haven't come the past because inflation was stickier. What happens
Speaker 6: with ray cuts is really anybody's guests. Even though it
Speaker 6: certainly looks like we're headed in a specific direction.
Speaker 1: It's supposed to be good news. There's always a downside
Speaker 1: to everything.
Speaker 9: Now we're interesting uncertainty.
Speaker 1: Yeah, okay, Joe Larsgard, as always, thank you for helping
Speaker 1: us make sense of our money, and you can get
Speaker 1: a lot more great advice on your financial future with
Speaker 1: the host of How to Money on KFI. The show
Speaker 1: is noon to two on Sunday. It's Joel Larsgard. Thank
Speaker 1: you so much.
Speaker 6: Thanks Amy all right.
Speaker 1: This is KFI and kosd HD two Los Angeles, Orange County,
Speaker 1: live from the KFI twenty four hour Newsroom. I'm Amy King.
Speaker 1: This has been your wake up Call, and if you
Speaker 1: missed any wake up Call, you can listen anytime on
Speaker 1: the iHeartRadio app. You've been listening to wake Up Call
Speaker 1: with me, Amy King. You can always hear wake Up
Speaker 1: Call five to six am Monday through Friday on KFI
Speaker 1: AM six forty and anytime on demand on the iHeartRadio app.