11/5/25 How One Local Organization is Fighting Hunger: The Apple Core Project

The Moneywise Radio Show and Podcast Wednesday, November 5th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www. MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Jaclyn Allen, Founder Apple Core Project Inc. & Business Owner at The Hens Roost website: https://applecoreprojectinc.com/ instagram: applecoreproject --Show Notes-- The Simple Path to Wealth Book Golden West Casino Story

• 0:00Speaker 00

  From the second floor of the historic Woolworths Building in downtown Bakersfield, here is Money Wise. Call or text into the show 661-396-1000.

• 0:10Speaker 01

  I need a dollar, dollar, dollar, that's what I need. Hey, hey. Well, I need a dollar, dollar, dollar, that's what I need. Hey, hey. Said I need a dollar, dollar, dollar, that's what I need. And if I share with you my story, would you share your dollar with me?

• 0:30Speaker 02

  Securities offered through LPL Financial, member FINRA, SIPC. Investment advisory services offered through LPL Financial. LPL Financial and Money Wise Wealth Management are independently owned and operated.

• 0:39Speaker 00

  Here is Money Wise.

• 0:41Speaker 03

  Money, money, money.

• 0:44Speaker 04

  Oh, now you're singing to us.

• 0:47Speaker 03

  I'm trying to duplicate Gero's laugh, but it's just unique and I cannot do it. I miss Gero. Welcome to the Money Wise Show. We are live from the second floor of the historic Woolworths Building in downtown Bakersfield on ESPN Bakersfield, 1230 AM, 101.1 FM, and always streaming on MoneyWiseGuys.com. You can call or text into the show 24 hours a day at 661-396-1000. Again, that's 661-396-1000. Oh, by the way, we really appreciate the questions because we can make a whole show just out of those. So keep them coming. Today, we are your hosts. I'm Sammy Abiyawi and

• 1:25Speaker 04

  Dustin Weaver.

• 1:26Speaker 03

  Dustin, it's been a while since you and I have done a show.

• 1:29Speaker 04

  It has. I don't know that we've done a show in the last couple of months.

• 1:32Speaker 03

  Since we moved to, at least since we moved to the Woolworths.

• 1:35Speaker 04

  Well, it's good to be here.

• 1:37Speaker 03

  Yeah, it's great, great to be here. The sun is hitting my face and I cannot.

• 1:42Speaker 04

  I see you wearing glasses.

• 1:43Speaker 03

  I love, yeah, I'm liking it though. The view is nice and I get entertained by cars and people walking. It's like a downtown feel.

• 1:52Speaker 04

  For sure.

• 1:53Speaker 03

  Yeah, I like it. I like it. Dustin, how did the market do today? It seemed like, I was curious actually to look at it today after all the buzz about elections yesterday, the mayoral race in New York, Prop 50 in California, some races in Virginia and other states. But I was curious, how did the market do?

• 2:15Speaker 04

  Yeah, there's a few majors that we look at. The S and P 500 is at 0.37%. The Dow, which is 30 large companies, is at 0.48%.

• 2:27Speaker 04

  Nasdaq, which has a bent towards technology, is at 0.65. And then the Russell 2000, which is 2000 middle and small size companies, up around one and a half. So mostly positive today.

• 2:39Speaker 03

  That's good. That's good. And I think that's how it's supposed to be, independent out of all the buzz coming out of politics and elections and stuff. I'm glad the market is not reacting in any way, shape or form to that. And that's historically what happens during election years. There's a little bit of fluctuation. Maybe not, the word fluctuation is not maybe the right word, but an easiness. And then when whoever gets into office, the market just tends to stabilize. And that's what I think we've been seeing in the last couple of months, right?

• 3:13Speaker 04

  Yeah, definitely. Early on in the year, with all the tariff talk, first, you know, first couple of months of the year, that created a little, little blip, we'll call it, a little volatility, a little flavor, a little up and down on the roller coaster there. But things have evened out and markets are mostly positive.

• 3:31Speaker 03

  So positivity on the market is, I mean, tech has been, has been frontrunner. I would call them as far as just carrying the market and the values. Is that still the case?

• 3:43Speaker 04

  Oh, for sure. Yeah, technology and AI is really where the momentum has been in recent years. I mean, you know, 2023 and 24, there's a lot of talk about the magnificent seven, they called them, seven big tech companies that were driving most of the returns. So you look at the positive nature of the S and P 500, that's saying that at a whole, the 500 companies went up, but not each individual company. And because it's weighted by the size of the companies, really, a lot of the big tech is where those profits were coming from. So solid corporate earnings and good profit margins. Certainly, people are looking forward to what AI could bring. There's a lot of what ifs, there's a lot of unknowns.

• 4:27Speaker 04

  But they're certainly betting on, you know, the Palantirs and Nvidia's of the world. Gosh, we've seen Nvidia go up quite a bit the last couple of years. A lot of that is AI driven.

• 4:36Speaker 03

  It's interesting that there is a little bit of fear of people losing their jobs to AI. And I read a quote today, I don't know, I think Sherrod put it on our chat. We're not losing, or we're not going to lose our jobs to AI, but we're definitely going to lose our jobs to somebody who uses and is trained on AI. How do you feel about that, Dustin?

• 4:58Speaker 04

  Well, yeah, I mean, that's what we're seeing, even here at a financial advisory practice level, right? We're using AI a little bit. It's helping with efficiencies and note taking and really helping us do our job a lot better. So especially professionals that can, you know, take some of the heavy lifting off of the the time intensive, exactly, repetitive tasks. So, yeah, I mean, we're certainly seeing that firsthand.

• 5:26Speaker 03

  Yeah, I tend to agree with you that at first I was like, well, maybe it's it could be a bubble, it could be not a something that's just a new flavor of the month. It's not, it's here to stay and it's making a huge impact on a bunch of industries, not just one industry specifically, but you see it everywhere. You see it in medicine, you see it in accounting, you see it in our world of financial advice and you see it in banking. There's there are talks, there's some repetitive tasks in banking, especially when you underwrite loans from taking financial statements and spreading them into systems. Now AI can do that for you.

• 6:05Speaker 03

  And in light of the limited job market we have or the availability of people that have certain skill sets, I think AI is filling in that gap and it's definitely here to stay, in my opinion.

• 6:25Speaker 04

  Oh, certainly. I mean, I keep hearing more and more examples, those that you just listed and then, you know, I was talking to an attorney that was talking about how data intensive their industry is with doing research and looking at different cases that are out there and AI has shown up and helped them find the information a lot more quickly. So it used to take maybe a team of 10, it might take a team of two or three with some good AI tools. And so it's going to improve efficiency for a lot of businesses, but that also means, you know, repurposing, you know, finding new jobs for those that are that are off put.

• 7:00Speaker 03

  That's right. Well, we have, we have a couple of questions. I like this one because it's a follow up to something we've talked about Monday. Thanks for taking my questions this week and wanted to follow up on what's happened to a credit card I pay off. Will it just stay open if there's no balance? And if my payment due is one hundred per month and I pay two hundred, is that coming off the balance?

• 7:25Speaker 04

  Great question.

• 7:26Speaker 03

  Very, very good question. We had a great conversation Monday, Dustin, Sheridan and I about credit cards. Some lady texted and she had an eight thousand dollar balance

• 7:39Speaker 03

  on three different credit cards and the rate was about twenty eight to twenty nine percent. And she was just asking for advice. So the answer to this, and I would like to get your input too, Dustin, from my end is, is yes. Even if you pay off the card, as long as you don't call and specifically ask for it to be closed, it's going to remain open. Even if it's not utilized.

• 8:04Speaker 04

  So is there ever exceptions to that? Because I have heard that, you know, if there's a substantial change in your credit, there could be a change. Is that, is that true still?

• 8:12Speaker 03

  Negative change, definitely. So let's say your score goes down substantially for one reason or another. And sometimes, by the way, scores go down just by mistake. Sometimes you don't even know about it. That's why I encourage our listeners to take advantage of the free credit score on an annual basis that you can access for all three credit bureaus. Always, always take advantage of that and see where your credit is at. It does not go against you. It is not an inquiry against your credit. But it definitely gives you an idea about where your credit is at, not just score, but also the repayment history.

• 8:49Speaker 04

  That's right. Yeah, for those that may not be aware of that, that website for that is called annualcreditreport.com.

• 8:58Speaker 04

  And you're able to get all three bureaus there once, once per year for free. You don't have to do all three at once. I know some people that will check one every few months and then just check another few months later. So you don't have to do all three at once, but you do get each of the three once free per year. It's complimentary as a mandate from the government.

• 9:17Speaker 03

  Yeah, so, so, yeah, your credit card answering Old Del Ollie, your credit card will remain open unless there's a negative change to your credit score or credit report, at which time the credit card company might choose to send you a letter, say, hey, we decided to close your, your, your account. Now, his second part to the question, or the second part to the question is, his, his payment is hundred dollars. This, I'm gonna guess that's the minimum payment. And if he pays two hundred, then definitely one hundred goes towards the principal of, of whatever outstanding principal you have on that credit card. Um, so I think Sher did a calculation on Monday

• 9:59Speaker 03

  on, on just a small credit card amount, if you just pay the minimum, how long it will take you to pay it off at that type of interest rate between twenty five and thirty percent. Sometimes thirty years.

• 10:14Speaker 04

  Yeah, isn't that incredible?

• 10:15Speaker 03

  It is.

• 10:16Speaker 04

  Thirty years on a pay, uh, paid down a credit card.

• 10:19Speaker 03

  That, uh, yes, it's, it's ludicrous, but, but that's the truth. That's what happens.

• 10:24Speaker 04

  Yeah, most of the time, the minimum payment is mostly interest. And so you're paying just a very little amount of principal. So in this example, yes, if your minimum payment is one hundred and you send in two hundred, as Sammy mentioned, at least that extra hundred that you put on top of the minimum definitely is going to principal because the minimum payment has to at least cover all of the interest. But it's mostly interest most of the time.

• 10:48Speaker 03

  Yeah, very good questions. Keep, keep them coming. There's a second one here. Um, I don't know the answer, maybe Stephen does. Is Golden West moving over by the airport? Just saw the sign over the weekend, haven't heard anything about it.

• 11:01Speaker 03

  Um, I don't, I don't, I don't go to those establishments.

• 11:04Speaker 00

  Yeah, I'm, I'm not a gambler unless it's, uh, I just lose lunch bets with Sammy. So I, I don't know about casinos.

• 11:11Speaker 03

  Dude.

• 11:11Speaker 00

  I do know about the hot dogs.

• 11:13Speaker 03

  A dollar fifty hot dog at Costco.

• 11:14Speaker 00

  That's, that's about as rich as my, uh, my betting goes, so.

• 11:18Speaker 04

  Yeah, I haven't heard anything about it either.

• 11:22Speaker 03

  Yeah, there were some talk a couple of years back that Golden West is moving out of South Union where it's at, somewhere else. But I haven't heard anything since then. So we'll take a look and we'll ask and we'll definitely try to get back to the listener with an answer.

• 11:43Speaker 03

  There's another question here about Bitcoin, Dustin. I don't know if you want to take this on.

• 11:48Speaker 04

  Question is, any clue on what's causing Bitcoin to drop lately? A few buddies that I work with got big into trading since the shutdown. And it sounds like these guys are getting together and talking about it quite a bit. But they also asked, is there a book like Stocks for Dummies that would be good for newbies? You know, there is a book that comes to mind. We'll come back to Bitcoin in a minute. But a book that comes to mind that I've recommended a couple of times is called A Simple Path to Wealth. I think he breaks it down pretty well on getting your savings habits up and just good general advice on building. Can you think of a book that you'd recommend as well, Sammy?

• 12:34Speaker 03

  I can't, but I will by the end, in the middle of the show, by the end of the show, I'll think of another one. I'm interested in hearing your take. These guys are meeting at a coffee shop. I don't see them downstairs at Reverb, otherwise they'll come down and say hi.

• 12:52Speaker 04

  Yeah, so I was pulling up Bitcoin while we were looking at that and just looking at the five day. It's down around five and a half percent. The one month, it's down around 16%. But the six month, it's up around 10% and year to date, 10 and a half since the beginning of the year. So, but if you look at that, you know, the last several months, there has been a lot of volatility, both up and down. But as for recent activity is what's causing that, I'm not sure. But it looks to be about the same value that it was back in May. And it's been quite the up and down ride since then. But to be frank, a lot of our clients that we're working with just aren't Bitcoin holders. And so we don't track it super closely on a regular basis.

• 13:38Speaker 04

  Just because it's not something we're regularly recommending nor holding in a lot of the accounts that we manage.

• 13:46Speaker 03

  And it looks like Steven did get an answer on the casino, Steven. So they want the okay to move.

• 13:56Speaker 00

  Yeah, that's what it says. The Californian reported that they are, they did get approval to move to Oildale. So I believe the sign you probably saw is probably right. I don't know when the when the open date or any of that, but if you want, I could put the story in the show notes for today's show and you could read the story.

• 14:19Speaker 03

  Great. Thank you very much, Steven. We'll take our first break. When we come back, we'll talk about Turkey, since it's Thanksgiving month, and prices of Turkey.

• 14:29Speaker 04

  Yeah, prices of Turkey, not the country.

• 14:32Speaker 03

  No.

• 14:34Speaker 03

  So we'll be right back.

• 14:35Speaker 05

  Are you an employee with a company-sponsored retirement plan? Do you fully understand how you're invested? And whether or not you are maximizing your retirement plan's options? For more information on a free assessment, contact MoneyWise's 401(k) Specialist, Justin Leland, at 661-847-1000. That's 661-847-1000.

• 15:02Speaker 03

  We're back. The Money Wise Show. We're hosts Sam Yabiyawi with Dustin Weaver. If you would like to listen to this show or any of our past programs, subscribe to the Money Wise Podcast, commercial-free on all major podcast platforms like iTunes, Apple Podcasts, or Spotify. Dustin, month of November is going and it started and it's here, which signals the start of the holiday season. If you have not been to Costco lately.

• 15:30Speaker 04

  Oh, yeah.

• 15:32Speaker 03

  Christmas stuff started being displayed almost in June, it feels like now.

• 15:38Speaker 04

  Yeah, I've got a few neighbors that, a few neighbors put up Christmas lights this week, for sure.

• 15:42Speaker 03

  Yeah, my wife asked me and I said, no, we're not going to do that. Thanksgiving is when we do Christmas lights and that's when we're going to put the tree up and hopefully some lights. I refuse to do lights early November. That's just not the tradition and we're changing things.

• 15:59Speaker 04

  Right.

• 15:59Speaker 03

  I don't agree with it, Dustin.

• 16:01Speaker 04

  Yeah, I mean, first, first thing in the morning, right after Halloween, two of the three neighbors were out there putting them up. And yeah, I'm with you.

• 16:11Speaker 03

  That's not, that's not the tradition. The tradition is you take your turkey, which we're gonna talk about in a minute. You finish it, right? With all the fixings. And so on Saturday, hopefully it's sunny, you go out and you put your lights.

• 16:24Speaker 04

  There you go.

• 16:25Speaker 03

  Hopefully your grandma's, grandma's around, grandpa's around and they're helping the grandkids put whatever decorations. And that's the tradition. Why are we changing that? I don't understand it.

• 16:35Speaker 04

  Beyond me.

• 16:35Speaker 03

  Freaking me out.

• 16:36Speaker 04

  Yeah. You were investigating turkeys a little bit. What'd you find out?

• 16:40Speaker 03

  Yeah, to your point, we're talking about the turkey, the little bird, not the country. Uh, and, and I'm just, I was just interested in the prices. Again, my, my, what I wanted to talk about is November is here, turkey month is here. Starts feeling a little bit of pressure on certain families as far as buying gifts, buying food and putting things on the table, fixings. Making, making it a, a good event or a good dinner for, for, for the family. And I know sometimes it's a stretch or it's, it's pressure. So I was reading about Walmart coming out and basically reducing the price per pound of the turkey. That's the lowest price since 2019, 97 cents a pound.

• 17:24Speaker 04

  Did they reference what it was last year? I don't recall.

• 17:27Speaker 03

  I, they did not reference what it was last year.

• 17:29Speaker 04

  But it's the lowest in.

• 17:31Speaker 03

  It's the lowest since, yeah, five or six years, which is great. I'm, I, I love that. I love the fact that it's, we're going back with all the inflation we've seen since, since the shutdown and, and COVID. Now there's, you know, going back to pre-COVID prices. I, I read a lot into this, Dustin, maybe, maybe too much. Are we getting rid of the inflation? Is the inflation kind of like settling down a little bit? Are we going back to normalcy? Are prices going down? Those are all things that I, I started thinking about when I read the article.

• 18:03Speaker 04

  So what what were they saying that is the reason for the prices dropping?

• 18:07Speaker 03

  Uh, I think there's a lot of competition for the conscious budget or budget conscious consumers. And between the our large retailers, we're they're starting early to establish that, hey, come over to Walmart and get get yourself a turkey. I think there's they have a deal where you can get a turkey plus some some other things that go along with the with the turkey for forty dollars. So that's that that could feed up to ten people. That's four dollars per person is what they're claiming.

• 18:37Speaker 04

  So maybe prices aren't down everywhere, but at Walmart it is because they want to bring you in.

• 18:41Speaker 03

  Yeah.

• 18:42Speaker 04

  Yeah, you come in for the tur- turkey and then buy all the other stuff.

• 18:45Speaker 03

  Yes.

• 18:46Speaker 04

  In business, they have a term for that. They call it a loss leader, where sometimes a company will even take a loss on a product to get you in. I'm thinking of another poultry item at Costco where they do that. That four ninety-nine chicken at the back of the store.

• 19:03Speaker 03

  Or for me and Steven, the dollar fifty hot dog.

• 19:06Speaker 04

  There you go.

• 19:07Speaker 03

  I mean, I I don't know. I I the average American, and I think I'm one of them, I go to Costco, I gotta get a hot dog. A trip to Costco without a hot dog, especially when you get, you know, you get out of your car. I'm not talking about gas. I'm talking about you going inside and coming out with a car full of stuff you don't need. You've got to spend a dollar fifty at the end.

• 19:27Speaker 04

  At the end. It's on the way out always, right?

• 19:29Speaker 03

  Yes.

• 19:30Speaker 04

  You know, see, I've been going at the wrong times. Uh, we've been picking biggie busy times, apparently, because we'll go in and it's just I look at that line and I just don't want to fight it.

• 19:41Speaker 03

  Dude, you gotta ask me and Steven for the best time to go.

• 19:43Speaker 04

  I was gonna say.

• 19:44Speaker 03

  Yeah, we've got two connoisseurs here, man.

• 19:47Speaker 04

  I I'm I'm kind of leaning on the the chicken bakes nowadays. Those chicken bakes so hit the spot and you could eat half of it now and half of it when you get home.

• 19:56Speaker 03

  Yep, yep. And and and by the way, Dustin, by the way, Dustin, the best time to go to Costco, in my opinion, it's Friday night.

• 20:06Speaker 04

  Friday night?

• 20:07Speaker 03

  Mm hmm. That's between the hours of about five P M. To eight P M. Costco is the best place to be. Not a lot of people, lines are small, and you still maybe you maybe if you're lucky, you get. Some samples too.

• 20:19Speaker 00

  Me personally.

• 20:20Speaker 04

  I'll have to try it.

• 20:21Speaker 00

  Me personally, I go on a Tuesday evening. No one is there and that's when it gets me in trouble because I'm definitely buying things that we didn't need. Or I didn't plan on getting until I got there. I'm like, oh, these, these shirts look nice and hey, I needed some socks and oh, hey, babe, look, I got some Tupperware and some plates.

• 20:41Speaker 03

  I bought a chainsaw.

• 20:43Speaker 04

  See, everything you mentioned was not food. My problem is I'll go when I'm hungry and then get a lot more food because I'm actually hungry when shopping.

• 20:50Speaker 00

  Well, MoneyWise taught me years and years ago to never go shopping when you're hungry because it'll definitely hit that pocketbook when you're grocery shopping or even at Costco and you leave with a 10 pound bag of mayonnaise or whatever the hell. You never know what you're gonna leave with at Costco.

• 21:08Speaker 03

  Yeah, I, I, I agree. So here, here's the other thing too. So for if, if you are interested, Dustin, I have an executive membership. So they opened the door early on Saturday and Sunday, about one hour early. So if, and I take advantage of that as well. I wake up and I go to by nine or nine 30 on the weekend. I am there and I get my stuff and it's barely anybody inside.

• 21:31Speaker 04

  So I need to follow you in and then use your credit card to also pay for all my stuff. Thank you, Sammy. That's very generous.

• 21:37Speaker 03

  Yes, you just have to wake up early. I do wear a wig on the weekend, so you might not recognize me.

• 21:44Speaker 04

  Well, we're talking a lot about food and when we come back from the break, we actually have a guest that is going to talk a little bit more about.

• 21:51Speaker 03

  That's, that's, that's correct. When we come back.

• 21:54Speaker 00

  Are you nearing retirement and currently working with a financial advisor? Are you not sure if you're invested appropriately? Call our offices at 661-847-1000 to sit down with a MoneyWise financial advisor for a no obligation assessment.

• 22:10Speaker 03

  Welcome back to the show Money Wise Show. I'm your host Sammy Abbiawi with Dustin Weaver. We were joined today with Jacqueline Allen, founder of Apple Core Project Inc. and business owner at the Henzroost. Welcome Jacqueline. Nice to meet you.

• 22:26Speaker 06

  Thank you. It's nice to be here. Thank you for having me.

• 22:28Speaker 03

  I hear Apple Core Project a lot around the halls of Money Wise, but I'm not very familiar with it. So I'm taking the chance today and meeting you, but also asking questions about what is Apple Core Project?

• 22:42Speaker 06

  Well, yes, actually Money Wise has been a longtime supporter of Apple Core Project and we appreciate that very much. We are a nonprofit that focuses on food insecurity and our tagline is simply doing good in the hood. So we're located off Baker and Bernard in Old Town Kern. We have a community garden that we not only feed people with, but educate them on growing food, putting your hands in the dirt, detaching from the stresses of today, things like that. But we also have this really cool

• 23:20Speaker 06

  Cobb oven that we built and we do farm to fork and we do food distributions there. We have a pantry there. So literally, we're just feeding masses amounts of people as much as possible and that's our headquarters.

• 23:35Speaker 03

  That's really neat. Where did you get the name? Why Apple Core?

• 23:39Speaker 06

  Oh God, I honestly, I think years and years ago, it was just about, a lot of us were were parents with younger kids and we just wanted to do things that kind of felt good. So we went to parks and we had healthy snacks and we, we played games like old school games with the kids and, and it was just a lot of fun. It was very organic that way. A lot of the neighborhood kids started to come and we kind of felt like a little boot camp because we'd be exercising because obviously my kids and myself, we've always struggled with like our weight a little bit. So we were just trying to be active parents and a lot of us were from the farmer's market. So we just really started by joining the community as much as we could with

• 24:25Speaker 06

  old school activities that we're go-getters. So next thing you know, we're out feeding people and as I say, doing good in the hood and really trying to give back to our community and being the difference that we wanted to see in it.

• 24:38Speaker 04

  That's really neat.

• 24:39Speaker 03

  Jaclyn, in light of the shutdown and a lot of the families of SNAP and I don't know what's happening with that program right now, I heard that a judge told the government that they need to get back and get the program going again and use some of the emergency funds. Do you see your role or do you see your activity increasing during this period?

• 25:04Speaker 06

  Yeah, in fact, it honestly started earlier in the year. In March, the food bank started preparing us for a lot of the federal funds just drying up. So a lot of the food that we were distributing prior to that was considered like drought emergency foods. You know, there's always some kind of emergency going on, but with the federal funding and then also people have not received any SNAP benefits as of yet this month. And even last week, in preparation for that, we saw 150 families in two off days in a matter of like two or three hours. Just everyone's kind of starting to panic, I guess.

• 25:49Speaker 06

  But you know, right now, the food bank is at the fairgrounds doing that mass distribution for anyone who has their SNAP cards. And we were at the food bank this morning picking up and we wanted to get as much as we could in case we felt those repercussions towards the end of the month. And you can already see the faces of the workers at the food bank, they're stressed, you know, like working really, really hard to feed the need of our county. We unfortunately suffer some of the worst statistics when it comes to food insecurity along with other issues, but this is not a good place for us to be right now. I've always said, though, I think we're most likely to succeed since we grow all the vegetables for the entire world.

• 26:34Speaker 06

  So I hope that in these kind of dark times, we can figure out more sustainable measures to feed our community.

• 26:43Speaker 03

  Now, I, I, I, I agree. So going back to your specific program here, is it, is it here in Bakersfield, Kern County specifically?

• 26:51Speaker 06

  Yes, we're in Kern County specifically.

• 26:54Speaker 03

  And, and to, to, to be part of your program, what does a person or family need to do?

• 27:00Speaker 06

  Well, in order to get food, uh, we post regularly on our social media and our website, like we have set distribution days. Where every second and fourth Wednesday, we do a food distribution and every first and third, uh,

• 27:15Speaker 06

  Tuesday, Wednesday, we're setting up that pantry on site, just as emergency relief. Um, Instagram's probably the best place because we're on there regularly, but you, all you gotta do is show up. Um, just show up and whether you want to.

• 27:29Speaker 03

  You don't need like a card or a membership card or you just show up?

• 27:33Speaker 06

  You just show up and we really try not to run out. We're pretty good at running numbers and, and knowing where we need to stop and kind of letting people know, hey, we're, we're starting to run out. We don't want to waste your time. Here's some more, somewhere else you can go and get food, but yeah, we just, their need is never let up. We are constantly, constantly finding more ways to feed people.

• 27:55Speaker 04

  So you mentioned, uh, that people can show up. Obviously there's some listeners that might have needs uh, to be able to show up, but what does showing up look like for those that want to help?

• 28:07Speaker 06

  Same thing. Honestly, it's funny because we've been doing this so long now. A lot of the people who get in line, they come and help us set up. Um, so volunteers are always welcome. Again, we post up when we're available. Uh, we try to, we're there every Wednesday in the garden. Uh, we have volunteers from Pathpoints and they are our labor force for our garden, our pantry. We unloaded probably 6,000 pounds of food today and we recently started a program, we put a call to action for teachers because a lot of teachers are feeding their students from their own pockets. With these cutbacks, that also includes.

• 28:46Speaker 06

  Those snacks that the kids get, um, what they call supper, which is an afternoon snack, because a lot of kids go home and they don't get dinner. The breakfast, those have been cut off for a bit. And it's definitely district by district on what kind of support they have. But we put that call to action on TikTok and we literally had forty five teachers within a week and a half, reach out saying, I really need help with snacks for my kids. And that's another program that we just try to operate during our regular hours. So it's not just a, a person in need, it could be a teacher who has forty five kids that are all in need. We're really just trying to shop appropriately and get the right food to the right people.

• 29:29Speaker 03

  On your sources, uh, uh, Jackie, where, where, where, I mean, is it, is it grants? Is it donations? Is it a combination of both? Where, where are they coming from?

• 29:40Speaker 06

  Um, we often get grants from healthcare institutes here locally. Kaiser Permanente, Kern Family Healthcare, um, Seed Core Foundation,

• 29:51Speaker 06

  Anthem, those are typical, uh, Alfred Virginia Herald Foundation. Those are names that you'll recognize locally. Those are people that we do get grants from. We have a great community, uh, partnership with a lot of local small businesses, just for my work personally. Money Wise being one of them. Jared and Emily are huge supporters of us. And just a lot of, our CPA office supports us, Ali Cat supports us. Um, people really give to us as much as possible. We like to be sustainable. Grants are not as, there is not as many grants right now as there was with the setbacks as well. So we personally host two, uh, bingo sessions annually.

• 30:35Speaker 06

  Uh, Tiki Co. and Ali Cat help us, different places. And we make enough money to pay our bills. Um, they're minimal, but like, we try to pay for things ourselves as well and. I right now it's it's hard, you know, like I'm not gonna lie, it's we are open to any kind of grant um that we wouldn't qualify for. It's just a matter of finding them.

• 30:57Speaker 03

  As as as far as donations in the form of food itself or canned foods, if if we have a listener question, can anyone donate foods? We would love to help uh uh if if if you can share certain foods, what what would you accept?

• 31:12Speaker 06

  Um, anything that's packaged, obviously, and unexpired. Um, those are the obvious, but honestly, because of our location too, we're surrounded by recovery homes. And we we help the whole neighborhood, like you would be very surprised to know that the people in the lines are our actual neighbors. Um, so we take anything. We don't really say no. Um, if we have someone who's even wanting to donate, hey, I got a bunch of oranges on my tree. As long as they're edible, we'll take them because we push out so much so quick. It it's it's really insane.

• 31:51Speaker 03

  Dustin, I'm sorry, I I stepped on, uh, you were about to say something.

• 31:55Speaker 04

  Well, I did notice that we got a couple of messages. You read one of the the comments there. But then somebody else said, thank you so much for having Jackie on. She is a true rock star and a true blessing to this community.

• 32:05Speaker 06

  Ah.

• 32:07Speaker 03

  Yeah, your your work is not does not go unnoticed, Jackie.

• 32:11Speaker 06

  Well, you know, we have an amazing community. I am so blessed to be the organizer of some really great farmers markets. And I get to work with farmers, small producers, makers. And ultimately, you know, all these places in town really just wanna see the best for people. And I think that's what gets us by, uh, even when we get scared that we don't have enough or something, something always comes through and make sure to get us, you know, to be able to take care of the people that we need to. Just to kind of touch too, like on our garden, like we don't grow enough food to feed a gazillion people, but we grow enough food to feed our neighbors and also we supplement the seniors at the senior center over on uh Fourth and P.

• 32:55Speaker 06

  And they've been able to to stop ordering produce from from their produce place because we are able to give them enough produce and not only that, but they're eating better. So it's like just takes energy and time and able-bodied people to do it. So like, you know, when volunteers are asking, how do I volunteer? Just jump in. We'll we'll find a space for you to help us, whether it's running the pantry, taking names in line, um, anything really, like so much goes on in our space.

• 33:28Speaker 03

  Any, any events coming up for you or for, for, for Apple Corps that are gonna raise more awareness or get more donations? I know you've just had a fundraiser, I believe, October seventeenth at Luigi's. Any, any, anything like that coming up here in near future?

• 33:46Speaker 06

  Yes, we actually do have one of our annual bingos coming up in December and we will be having um Do Good in the Hood Day is December fifth and we'll be having a open garden day for anyone to just kind of come meet us. You want to bring something to drop off. If you want to just come walk around the garden and see what's happening. Um, do it. It's, those are the types of things, like just jump in, just come see what we're about, feel it. And it's so hard to explain. You really have to come in. I don't know if you guys have ever been to the Edible School Garden um over on the other side of town. Well, they, they helped us start our garden as well and they're partners of ours. They provide us with plants at times.

• 34:31Speaker 06

  But like, we're in the hood. And we feel just as majestic and beautiful and inviting and we've done it all with our own hands and we really feel like people, once they walk inside, they kind of get the idea of, of what's happening there and then they just jump in.

• 34:50Speaker 03

  I've I've got to ask you this question. Do you have a T-shirt for sale that says?

• 34:54Speaker 06

  Yes.

• 34:55Speaker 03

  Okay, we need that.

• 34:56Speaker 06

  I'll get it to you guys. Absolutely. We have sweatshirts and T-shirts because we did just have our fundraiser. And it was a sellout event. Like, the one cool thing about Apple Corps is like, thank God, because we don't have the energy to advertise a whole bunch.

• 35:11Speaker 06

  We're so blessed with so many people who support us and show up for us. And I have to tell you this, it's because we have such a great time. We are fun. And we use our fun skills to create money to feed people in need. And something beautiful about that just makes it work. So we do want people to show up.

• 35:31Speaker 03

  What's what's the the the minimum age? Is it can a thirteen year old volunteer if they come with parents?

• 35:37Speaker 06

  We give dull pocket knives to kids. They pop in the back after distribution. We're gated in now, so like, it's very safe where we're at. Before, I would have not encouraged that. But now we're we're locked in, and the kids are the ones that break down the boxes. When we get pallets for distribution, we're talking like, twenty-five pallets with eighty cases of things on them. And it's a lot, a lot of cardboard. And the kids just go buck wild. Like, they're just cutting cardboard. We haven't had any accidents yet, knock on wood, but like, they're a part of it. And like, that's what secures the future people of wanting to do good for their community and seeing it and being a part of it.

• 36:19Speaker 03

  That's really neat. How how much good you guys are spreading out there. We got another message.

• 36:24Speaker 06

  Yeah, Jay Reid is our homie. He was volunteer of the year last year. And Hot ninety-four point one comes out to every distribution, which is the fourth Wednesday of every month, where it's six one six Grace Street. Um, next week, we have our second Wednesday of the month. We're at five three one knots, which is just across the street from our garden at Jason's Retreat. Bakersfield Recovery Services is a huge partner for us. And Yeah, Hot 94.1 is the bomb. Um, they keep the tunes rolling. People feel the vibes. Jay Reid handles the canned food section like a boss. And he's, he's a great mentor to those men that are in the recovery home because he's calm and cool.

• 37:09Speaker 06

  And he makes them feel, you know, we try to be friends to people. We're, a lot of times, um, guys and gals are getting out of prison and into these recovery homes. And we're the first set of friends they have. And it also feels really good for them to be on the other side of the line, giving food to people. It gives them more confidence and reassurance of their place in the community that they're, they're helping someone else. And it's just really a beautiful experience.

• 37:38Speaker 03

  I'm, uh, I'm very, very excited for you, Jackie, and, and, and the program and what, what's coming and, and and our involvement as Money Wise, but also as individuals working for Money Wise coming. I'm very interested in coming and volunteering with my kid. We take the month of Thanksgiving as a month to do that. So we're, I'm very excited. I want to come out and, and, and try it and see it with my kid and my wife, hopefully, and see how we can help.

• 38:02Speaker 06

  That's right.

• 38:03Speaker 03

  We, we thank you very, very much for everything you're doing for this community. We thank you for joining us today. Uh, Jackie again from Apple Core Projects and, and by the way, Jackie runs, runs her own business too, in addition to the Apple Core Project. So kudos to you, Jackie, for everything you're doing. Thank you very much for joining us today.

• 38:21Speaker 04

  Yes, thank you.

• 38:22Speaker 03

  And we'll take our, uh, last, uh, break. When we come back, we have, uh, a couple more, uh, things to talk about.

• 38:28Speaker 00

  Don't forget, Money Wise is more than a radio show. We're an independently owned, local wealth management firm with 60 plus years of collective experience. Our financial advisors are here to help you, Kern County. Together, let's be smart, be safe, be money wise.

• 38:44Speaker 03

  We're back at the Money Wise Show. I'm your host, Sammy Abiyawu with Dustin Weaver.

• 38:54Speaker 04

  Yes, sir.

• 38:55Speaker 03

  That was a great segment with Jack.

• 38:57Speaker 04

  Yeah, fantastic.

• 38:58Speaker 03

  What they're doing is just amazing. So.

• 39:01Speaker 04

  And obviously, especially right now.

• 39:04Speaker 03

  Yep, definitely. Dustin, this is part funny, but part serious, what I wanted to talk about. And that's, have you heard about the Louvre in Paris?

• 39:16Speaker 04

  A little bit.

• 39:17Speaker 03

  And the recent heist that they had where people used a furniture elevator, whatever they call it. And within seven minutes, they ran away with $100 million worth of jewelry.

• 39:30Speaker 04

  And correct me if I'm wrong, it was an inside job, right?

• 39:33Speaker 03

  I don't know. I don't know. I seriously don't know if it's an inside job or not. But here's one of the things I read about today. The password to the surveillance system, guess what it is? What is it?

• 39:47Speaker 04

  Louvre.

• 39:48Speaker 03

  Yeah.

• 39:48Speaker 04

  No way.

• 39:49Speaker 03

  I'm not kidding. The password to the surveillance of the Louvre is Louvre.

• 39:56Speaker 04

  So I just guessed.

• 39:58Speaker 03

  It's like us at Money Wise, hey, your password is money.

• 40:05Speaker 03

  And that's funny in a sense, but also there's a serious note about this.

• 40:10Speaker 04

  Yeah.

• 40:10Speaker 03

  Regarding the cybersecurity and financial security. Like, I'm not afraid of somebody, you know, a home invasion, SIM in a sense. But the chances of that happening today are a lot lower than somebody getting your passwords and getting a hold of your financials or your bank accounts or whatever, your checkbook or a credit card or debit card.

• 40:39Speaker 04

  You know, it's more important than ever to have not only a complicated password, but I tell everybody the two-factor authorization, you know, where they text you a code.

• 40:50Speaker 04

  Anytime you can set that up, definitely do it.

• 40:53Speaker 03

  Yeah, definitely invest your time into setting up. If you have the time to be on Instagram and Facebook for two hours a day, you definitely have five minutes to go and set up a good password, in my opinion.

• 41:06Speaker 04

  Oh, 100%.

• 41:07Speaker 03

  And I cannot encourage people enough, I know. But when I read the Louvre, like, I've got to talk about this because this is like, this is, this is one of the major, if not the major museums in the world.

• 41:19Speaker 04

  Right. Like you said, over a hundred million dollars' worth of stuff stolen. It's incredible.

• 41:26Speaker 03

  Yeah, and I don't know if they're going to recover that or not. I hope, I hope, I hope they do. But it's just, it was, it was funny and I need to, to touch on that. We have a couple more minutes. I, Denny's is selling for 620 million dollars, Dustin. Denny's, the restaurant. I don't know if you go to Denny's, but lately I have because they have what they call grand slams

• 41:48Speaker 03

  for less than $10, four choices.

• 41:50Speaker 04

  I think I've been once in the last 15 years or so. My mother-in-law craved it on her birthday one day. But, uh, yeah.

• 41:59Speaker 03

  Steven, do you go?

• 42:00Speaker 04

  A lot of people have gone there over the years, right?

• 42:02Speaker 00

  Here and there. I mean, if we're out, like, out of town to a concert or something and we're like, hey, there's a Denny's right across the street from the, the hotel. You know, it's cheap. You get a, you know, seven, $8 grand slam, but that's a lot of grand slams.

• 42:17Speaker 00

  I mean, how much did you say? 600 million?

• 42:20Speaker 03

  620 million dollars.

• 42:24Speaker 04

  That's probably a lot of locations for that kind of price.

• 42:26Speaker 03

  Yeah, probably. And I don't know if this includes the franchise locations because I used, when I was a banker, I used to finance, uh, the construction and TIs for Dennis, Denny's restaurant for, for people that are franchisees.

• 42:43Speaker 04

  So I've heard that term a few times. I know this is, uh, off the beaten path, but TIs.

• 42:49Speaker 03

  Tenant improvements.

• 42:50Speaker 04

  Tenant improvements, okay.

• 42:51Speaker 03

  So if you, when you rent a commercial real estate, uh, property, a lot of the time, you either have to do the tenants improvements yourself as the tenant or the landlord does those on your behalf and then charges you or amortizes those tenants improvement over the lease term.

• 43:07Speaker 04

  Got it.

• 43:09Speaker 03

  So TI is just a broker banker.

• 43:13Speaker 04

  Kind of term.

• 43:14Speaker 03

  Kind of term that's quick that people tend to to to to understand. But yeah, no, I was just curious about the Denny's and selling for 620. I recently, the last three months, I went a couple of times just because it was on my way and I had some time, so I stopped by, had a cup of coffee, a couple of strips of turkey bacon.

• 43:37Speaker 04

  Oh, there you go.

• 43:38Speaker 03

  And and some.

• 43:40Speaker 04

  They actually have pretty good seasoned fries with ranch. I do remember that.

• 43:44Speaker 03

  Yeah, I gotta try those next time I go in. You got me at fries, dude. You got me at fries.

• 43:50Speaker 04

  Good stuff. All right, Sam, a great show today.

• 43:53Speaker 03

  Yeah, thank you very much. Thanks for joining me today. Stephen, who do we have tomorrow?

• 43:57Speaker 00

  Tomorrow we'll have Chris and Seth getting down to business with our friend Lori Malkin from JJ's Legacy.

• 44:04Speaker 04

  All right.

• 44:04Speaker 03

  That's awesome. That's awesome. All right. Until then, be what?

• 44:12Speaker 04

  Smart.

• 44:12Speaker 03

  Be safe.

• 44:13Speaker 02

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