7/24/25 Bulls, Bills, and Blood Banks: Your Thursday Money Roundup

The Moneywise Radio Show and Podcast Thursday July 24th 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: Shane Hubbard, Houchin Community Blood Bank website: https://hcbb.com/

• 0:00Speaker 00

  From the Garo Ellis padded radio room off Stockdale Highway, here is Money Wise.

• 0:06Speaker 01

  Call or text into the show 24/7 at 396-1000.

• 0:39Speaker 00

  Here is Money Wise.

• 0:40Speaker 01

  Money, money, money, money.

• 0:46Speaker 00

  That is right. Welcome to Money Wise Show. This is your host, Chris Pelster. Join with?

• 0:51Speaker 01

  Seth Perry. So happy to be here, KP.

• 0:54Speaker 00

  Thursday.

• 0:54Speaker 01

  Thursday, man.

• 0:55Speaker 00

  It's Thursday.

• 0:55Speaker 01

  Yeah.

• 0:57Speaker 00

  Hi, Stephen.

• 0:58Speaker 01

  Hi.

• 0:59Speaker 00

  Sad, sad news out of the sports world.

• 1:05Speaker 00

  My goodness.

• 1:06Speaker 02

  Say your prayers, eat your vitamins, be true to yourself, true to your country, be a real American. Brother.

• 1:14Speaker 00

  Brother. Brother. And I was actually thinking, in honor of him, we're going to try to do the rest of the show in the voice of Hulk Hogan. We can't break character.

• 1:22Speaker 01

  That sounds great. Just don't mix them up with Macho Man.

• 1:25Speaker 00

  Yeah.

• 1:26Speaker 01

  It's a tough thing to do. I tried this morning.

• 1:28Speaker 00

  Yeah, it goes into, it goes into Macho Man quickly, I imagine. So, yeah, it's a bummer, man. Some of these updates, some of these changes, losing a couple of big names in the media world, and it's always sad. And I knew that Hulk Hogan's health wasn't great, but unfortunate to see him go. It feels too young, 71. That's, that's not crazy old, but yeah, so he was definitely part of my childhood. Why I probably jumped off the couch a few times and made my mom mad. Yep, yep. So anyways, rest in peace Hulk. We are going to jump into this show. We have a great show for you today. We're going to go into market news. We have a couple of wonderful questions that will unpack a whole lot

• 2:12Speaker 00

  about some things. And like we always say on the show, we can talk about a lot of things, but your questions, your concerns, what's in your financial world, what you want clarity on, or an actual situation you're going through is what makes the show great. Because if you're dealing with it, or if you're looking at it, or concerned about it, then most likely some of our listeners are. So you can call or text the show 24 hours a day, 661-396-1000. You can send in your question at any time and we'll try to address it on the show. You can even jump in live. We used to actually have a lot of people join live on the show. One of the favorites, rest in peace also, Mr. Bill Denike, you're missed. We used to love to hear his voice. Eventually, he just, I don't think he wanted to be on the air anymore.

• 2:53Speaker 03

  Can we bring that back, Steve?

• 2:54Speaker 00

  Yeah.

• 2:55Speaker 03

  Get some live call-ins?

• 2:57Speaker 00

  Put the word out.

• 2:58Speaker 03

  Okay. Those phones will be lit up.

• 3:01Speaker 00

  Yeah, I think everybody is getting anymore now to where I don't want to call you. I'm just either going to send you an email. I'm going to send you a text. I'm going to drop the bomb. Away she goes.

• 3:09Speaker 01

  It's like Jim Rome. When you're ready to host your first show, Seth, I'm sure they'll line up to call in.

• 3:16Speaker 03

  I'm thinking 2028.

• 3:18Speaker 01

  Okay. 2028, I'll let them know.

• 3:22Speaker 00

  Well, there you go. So we're going to jump into the market news a little bit before we get into those questions that I mentioned earlier. We are going to have a guest later today, too. It's kind of a getting down to business Thursday. Can we do that, Stephen?

• 3:32Speaker 03

  We can.

• 3:32Speaker 00

  Is that what it is? So Houchin Blood Bank's got a big blood, it's not a fundraiser, it's a blood raiser. Is that what you call it?

• 3:40Speaker 01

  Yeah.

• 3:40Speaker 00

  Okay, it's a blood raiser. And we're going to talk about that a little bit. And we're also going to, Shane Hubbard's going to join us. He's a social media manager and consultant for Houchin Community Blood Bank. And we're going to see how much he knows about the process as a social media manager.

• 3:53Speaker 03

  And are there any Raider fans out there? We need to know. Text us in because there's some good news coming.

• 3:58Speaker 00

  Yeah, plus I heard, I heard the coach, old Pete Carroll, he's like throwing out guarantees.

• 4:05Speaker 01

  Yeah, we're going to win a bunch of games this year.

• 4:06Speaker 00

  Nine games, 10-game win. I mean, come on. I don't know if he's been watching NFL.

• 4:12Speaker 03

  Have I been that asleep, not having cable, not being on social?

• 4:15Speaker 00

  Yeah, you don't know who the coach is?

• 4:16Speaker 03

  When did, when did Pete Carroll become the coach? Remind me?

• 4:20Speaker 01

  A few months ago, and he brought several Seahawks with him. So it's the Las Vegas Seahawks now.

• 4:26Speaker 03

  He's probably a great coach, but I remember having to watch him with USC games and I would just get kind of frustrated. But do you remember those games early?

• 4:33Speaker 01

  Oh, yeah.

• 4:34Speaker 03

  Were you alive, Steve?

• 4:34Speaker 01

  Oh, yes.

• 4:35Speaker 03

  Early 2000s, man.

• 4:36Speaker 00

  He was in his diapers. He was watching, he was watching USC in his diapers. But yeah, he was, he was around.

• 4:43Speaker 03

  Awesome.

• 4:44Speaker 00

  Yeah. Well, let's jump into the market news a little bit. Today was not too eventful, but I mean, it was a little bit of a push in the positive direction. We did have the S and P 500 jumping up about seven tenths of a percent on the day. A little perspective, a little rear view look where we're at. Year to date, the S and P 500 is 8.4% move there in the positive. Over the last year, 17.25%. Why is this important to look at or think about? We always say this. The market averages typically 10% a year. It has been pushing 17%. If we look at a rear view mirror one year back, 12 months back. So I'm not doom and gloom, but it's common sense

• 5:26Speaker 00

  to say, hmm, there might be some volatility in the future. So it's one of those things where this is a time where you readjust, you think about things. Are you invested appropriately? Is your asset allocation at a, you know, risk level you're comfortable with? If you have your own process, great. If you're working with another advisor, hopefully you're talking to him or her about that. If you're working with a MoneyWise advisor, that is what we're here for. Prepare yourself. You know what I mean? Think about it. The market's been going up, you know, for the last year. There's been a lot of volatility. There's a lot of uncertainty. Again, not doom and gloom, not saying that there's going to be a crash, but the market always moves up and down. So when it trends upwards, even with some volatility, because we did have some movements there at the beginning of the second quarter, we had a major pullback

• 6:11Speaker 00

  and then had a great run the rest of the second quarter. Just, just understand that if you hear things are pulling back. Sometimes we have in our minds that the stock market does nothing but go down. Well, if it goes down from here, it's up 17% from where we were 12 months ago. So just keep that in mind.

• 6:28Speaker 03

  The slow, steady climb, you know, little peek behind the curtain. Chris and I have a, like a running document. We just keep a few notes in there and a few notes about our guests and stuff. And every week we update it and it's just been climbing, climbing, climbing. Cause I remember just three and a half months ago, the sky was falling every. We have a monitor running in our sound room here and you know, it was just all red and doom and gloom. And the sky is falling and look where we're at now, man.

• 6:52Speaker 00

  Yeah.

• 6:52Speaker 03

  You know, that's the thing, Chris, is if people got scared, panicked, when do they, when, when do they get back in?

• 6:58Speaker 00

  Yeah.

• 6:58Speaker 03

  Is it when it's back to even? Is it when it's back up 5%? And that's, that's called timing the market.

• 7:03Speaker 00

  And that's also what we call the emotional spin cycle that you can get caught in. When, when you don't have a plan that you feel comfortable to go in and out of market activity, market volatility, in and out of it, you get caught in the spin cycle. Because now you go right here, if you would have made a move at the beginning of the second quarter, it's gone up 8% or 6% since then. So then do you, do you make a move now?

• 7:27Speaker 03

  Yeah.

• 7:27Speaker 00

  Do you go back in now?

• 7:28Speaker 03

  You're always second guessing yourself.

• 7:30Speaker 00

  Yes, and that's, that's called the emotional spin cycle. And it is why, um, I know a lot of times, you know, people think, oh, my advisor's not doing anything to my account. And it's going down and this and that. It's like, we try to get out of that spin cycle, take on the appropriate amount of, of, of, uh, stock exposure and risk level, if you'd call it, and stay focused through the ups and the downs. And, uh, one of the things we always focus on is if you're a retired client of ours, on where's your money coming from for the short term? And so we want to protect that. We want to have a game plan for that. And, uh, and then definitely we still want to have some long-term focused growth so that you can have money, uh, to enjoy in the long run. So what do you got there?

• 8:08Speaker 03

  I want to pump something. So if you are listening and you have a teenager between the ages of 14 and 19 years old, and you are also as parent or guardian are strongly encouraged to join, we're putting together a brief financial basics for teens seminar. We're going to go over banking basics, budgeting, building credit and saving and investing. What is a stock? What is a bond? How do you, how do you make a budget? Just the, the bare bones, stripped down basics. This is stuff that I know from firsthand experience, they're just now starting to teach in schools.

• 8:41Speaker 03

  Come join us. It's gonna be Wednesday, August the 6th, 5:30 to 6:30 PM. Again, that's Wednesday, August 6th, 5:30 to 6:30 PM. I believe there may or may not be some pizza?

• 8:51Speaker 00

  Pizza rolls?

• 8:52Speaker 03

  Pizza rolls, something. Tostinos?

• 8:54Speaker 00

  Hot Pockets?

• 8:55Speaker 03

  Are we going?

• 8:56Speaker 01

  I'm gonna do with the teenagers. I know they'll

• 8:59Speaker 03

  Toaster strudel?

• 8:59Speaker 01

  Smash Hot Pockets and Pizza Rolls.

• 9:01Speaker 03

  All day, right? There's gonna be some food. Please RSVP call down here to the office by Monday, the 4th. 84661-8471000. RSVP for that with Miss Debbie Lewis, and it should be a lot of fun.

• 9:15Speaker 00

  Yeah.

• 9:16Speaker 03

  I love teaching the kids, and it's stuff, again, that we were never taught in school, you know, and so, yeah, come join us.

• 9:23Speaker 00

  We're also, we're also gonna try to give the teens a good, basic understanding of the national debt that they're inheriting.

• 9:30Speaker 03

  Yeah.

• 9:31Speaker 00

  You know, just kinda try to put it in perspective. It's

• 9:35Speaker 03

  We're gonna, we're gonna start with social security and how it's just not gonna be there for them.

• 9:40Speaker 00

  Just kidding. This is what you can do to help your kids get a, get a head start.

• 9:45Speaker 03

  Can I, can I share an on-the-fly question, Chris? This is off the cuff, but I had a former coworker, West High. Shout out to the West High Vikings. He says, "What up, man? Hope all's well. Hey, quick question. My daughter's going away to college. I was thinking of ways to start her credit and payment options. Should I get her a starter card under her name? Or put her down as a certified user of our card so she can build credit that way, or leave it alone? Credit cards stink. What do you think I should do? And what are your thoughts on that, Chris, for building a, an 18-year-old? Now, I know this young lady. She was actually a student of mine. She's very responsible. If you have a very responsible 18-year-old getting ready to go away to college, and there are benefits to having a good credit score when you do go to buy a, to buy a home.

• 10:30Speaker 00

  Yep.

• 10:31Speaker 03

  What are your thoughts on that?

• 10:32Speaker 00

  I I'd say if you could teach them responsive, I mean, there's, there's cards like Green Dot is one of them. I don't know exactly where Green Dot is as far as where they're at now, but they were kind of one of the first to the, to the thing. So if you're going to be helping them anyways, that is a way to start to help them allow to build credit. Cause remember how long you've had credit lines open is part of your credit score. And so maybe there is a way that you can teach them responsible credit management where, hey, if you have this bill and it's 200 bucks a month, you know, say whatever it is, if it's a dorm or it's somewhere they're living, you have it charged to that card and then the payment gets paid every month.

• 11:15Speaker 00

  It is starting to help them pay a history of on time payments. Um, it's helping them build credit. Uh, they typically can't get huge lines of credit. You don't want their introduction to credit be when they're on a college campus and a guy says, hey, here's a 27% interest rate for a T-shirt. Um, and you know, without understanding how that works. So I would say look into some of those and maybe there's a way that if you are helping your kid or this and that, I say kid, it would be an adult at this time, but there is a way that you can get them a credit card and to start that process maybe in a more healthy manner. Then I still remember being at Bakersfield College, you know, 1998 and walking on campus and you know, hey, I got a mini basketball hoop that you put on the wall.

• 11:58Speaker 03

  Yeah, that's worth 27% interest.

• 12:01Speaker 00

  Yeah, and I probably bought lunch with it and pay, you know, put it on payment plan for lunch, but.

• 12:08Speaker 03

  Yeah, the other thing too, um, you can add them as an authorized user and it will take about one to two years of positive activity on the teens card, but your responsible credit use affects your teens credit score. And they can actually get over a 700 in just a year or two. It's actually pretty remarkable to give them kind of a head start.

• 12:29Speaker 00

  There you go.

• 12:29Speaker 01

  There it is.

• 12:30Speaker 00

  So that was kind of an on the fly question. When we come back, I'm going to dip a little bit more into what went on the markets today. So stick around for that. And then we'll get into a couple of great questions we had from listeners just like you. Be back.

• 12:41Speaker 01

  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 plans options? For more information on a free assessment, contact MoneyWise's 401k specialist, Justin Leland at 661-847-1000. That's 661-847-1000.

• 13:12Speaker 00

  Welcome back. Your guys' messages are coming in. We appreciate it. Best burger in town. Coming back from a conversation last week, 34th Street Car Wash Cafe on 24th and H. Rest in peace, Ozzy. Thank you for the burger. I'd have to agree. That's a pretty good burger. And yeah, rest in peace, Ozzy.

• 13:33Speaker 01

  Knock that other one out.

• 13:35Speaker 00

  Yeah, another one came in and said, will you guys be streaming the class for the kids? Just wondering, might be easier for us to catch online. That's really nice of you guys because they aren't usually learning that in school. I do not believe it's going to be streamed.

• 13:46Speaker 01

  Right, Steven?

• 13:46Speaker 03

  Not this round.

• 13:47Speaker 01

  Not this round.

• 13:48Speaker 03

  Not this round.

• 13:48Speaker 00

  We'll work on that. We appreciate that feedback.

• 13:49Speaker 01

  I love you using the round because it's kind of the tennis theme over at the racket club.

• 13:53Speaker 03

  You got that?

• 13:54Speaker 01

  Nice.

• 13:54Speaker 00

  Yeah. So real quick, I did want to jump in. So we went over the market numbers a little bit, but just, just a reminder, everything was slightly higher this morning. Investors are really still feeling cautiously optimistic, I guess we can call it. Big tech companies like Apple, Microsoft, Nvidia, they're continuing to lead the market. Nvidia is especially strong because of its role empowering this, it's AI.

• 14:17Speaker 01

  What?

• 14:18Speaker 00

  AI, I don't.

• 14:19Speaker 01

  What is it?

• 14:19Speaker 00

  I don't know. Art, um, something. I guess it's robot brains or something.

• 14:24Speaker 01

  Chat GPT in an appointment this morning, I said, are you, do you guys know about chat? They said, yeah, we, we just found out about them. I'm like, yeah, we've, we've kind of have a relationship.

• 14:34Speaker 00

  Yeah.

• 14:34Speaker 01

  It's crazy. It's crazy.

• 14:36Speaker 00

  And as he said that. As he said that Seth's computer is like, oh, it's it's not real serious Seth. And like anyways, no, I mean, it's funny because you can actually like joke with it and stuff and it picks up on it.

• 14:50Speaker 03

  Have you done the picture roast?

• 14:52Speaker 00

  No.

• 14:52Speaker 03

  One of my favorites, just FYI, you guys, you can upload a picture to chat GPT and say roast this as hard as you want. Fascinating the humor that comes out of chat.

• 15:01Speaker 00

  Yeah.

• 15:01Speaker 01

  I know I always say, thank you, and I really appreciate your help.

• 15:06Speaker 00

  So when the robots take over, they'll be like, leave this guy alone. He always said, please and thank you. That's right. That's right. Interest rates still be the bit still are the big deal. Everybody is watching the Federal Reserve. Whether or not they're going to cut interest rates, obviously with the market going up the way it is. Anticipating an interest rate cut, I would imagine is kind of what the market is showing. But hopefully it's nothing major that's going to push things one way or the other.

• 15:31Speaker 03

  Speaking of Donald Trump at the beginning of our show was out at the Fed live and basically saying, hey, the US. I don't see any reason why we shouldn't be at 1% interest rate. Right? And so, and then Chris and I were talking a little bit about the they're renovating the Fed building. What was it? Two billion dollar renovation?

• 15:50Speaker 00

  Yeah, it's just a little, they're just fixing up a few things. They're just gonna, yes, they're gonna, they're gonna upgrade to LEDs. They're gonna, a couple of new carpet, new flooring and a couple of the rooms. Close to $2 billion for a Fed building renovation. So.

• 16:06Speaker 03

  Interesting to see what happens tomorrow with the market with comments like that, you know, because inflation. Anyway.

• 16:12Speaker 00

  There you go.

• 16:13Speaker 03

  Good questions coming.

• 16:14Speaker 00

  Yep. Global tensions continue to be a focus. Tesla dipped on earnings. Obviously, some of that's been impacted by. Just just fewer cars being delivered than expected. So that's what Wall Street's looking at. They didn't hit those numbers. So. We wanted to jump into quick question or quick quick topic real quick. My mother passed away in February and someone got to her credit cards. And maxed them out and we are trying to figure out what to do to get them to stop calling me and my sister who are her only children. Not really sure how they got our information, but now they are calling us and threatening to pay, threatening us to pay off her credit cards. So first things first, I wanted to just talk about debt collection a little bit. Okay, how it works?

• 16:56Speaker 00

  Usually after a debt goes past due 90 to 180 days, the original creditor either sells that debt.

• 17:06Speaker 00

  Or they have their own debt collector process where they hire somebody to try to collect on the debt. So you can get companies that are very motivated because what they might do is say you owe $30,000, they buy that debt for five. They pay five for that debt. And then they can call you and try to scare you into paying however much.

• 17:26Speaker 03

  And if they get more than 5,000, great. That's their goal. They want to try to get more than they can.

• 17:31Speaker 00

  If they get 10, if they say, hey, we'll take 10.

• 17:33Speaker 03

  And they're ruthless.

• 17:33Speaker 00

  And you pay 10, well, they doubled their money. You feel like you got a deal because you only had to pay 10 on $30,000 of debt. But I just wanted to kind of throw that out there. That's how the debt collection world works. There's either people that, hey, if I get 20 grand out of you, I get a piece of that 20 grand, or I bought it for five and now I'm going to try to get as much as I can out of you and I get to keep all the profits. And that's why they can be a little bit ruthless.

• 17:58Speaker 03

  And then in this case, so, uh, was it grandma that passed?

• 18:04Speaker 00

  Uh, no, mom.

• 18:05Speaker 03

  Mom, very sorry for your loss. Uh, so in this specific case, are these kids responsible for these cards, Chris?

• 18:12Speaker 00

  I don't believe so. No.

• 18:14Speaker 03

  I don't believe so either.

• 18:14Speaker 00

  No. I mean, uh,

• 18:16Speaker 03

  Their debt dies with them.

• 18:17Speaker 00

  Correct.

• 18:18Speaker 03

  Yep.

• 18:19Speaker 00

  And, uh, I mean, unless it was joint credit.

• 18:23Speaker 03

  No, that is different.

• 18:24Speaker 00

  That is different.

• 18:25Speaker 03

  Very different.

• 18:25Speaker 00

  So if it was credit that was only in mom's name and not debt, uh, joint debt, you know, like where you had a credit card together or you had a loan together jointly, that unfortunately is different because then that does not, uh, pass away with the loved one.

• 18:39Speaker 03

  And they said someone got to her credit cards and maxed them out. I mean, gosh, I hate to say, but I, you know, maybe family could have accessed. Who really knows? But no, you, you are not responsible. And if they are calling and threatening you, you can, uh, basically tell them, look, this isn't my debt. Please stop calling. If they are persistent and keep calling, you can, uh, send them a certified letter. It's called a cease and desist letter. And then if they continue to harass you after that, you can, um, uh, it's illegal. You can report them to the Consumer Financial Protection Bureau.

• 19:12Speaker 00

  After you've done a couple of those things, the one thing is, is they can threaten you with legal action, but they cannot lie to you and they cannot threaten you with illegal actions. So be very clear on what they're threatening, uh, if they are talking to you because they're not supposed to lie, they're not supposed to threaten illegal actions. Um, you know, like we're going to steal your car, you know, it's like, well, that's illegal. You can't steal my, so anyways, um, you know, there's, uh, they might, they might try to offer payment plans and stuff. Again, if it is your debt or you actually are on it, then you may have to consider some of those things. But if you are not on the debt, it wasn't a joint debt or credit card or something like that, then you should not be on the hook.

• 19:55Speaker 00

  And you can tell them cease and desist, quit calling me, you know, they might still send you letters and this and that, and you can throw them away if there really truly is no legal reason that you would be on the hook for those. Um, and if it was fraudulent activity and stuff like that, then you would need to, um, you know, just maybe even seek, uh, legal counsel.

• 20:12Speaker 03

  And, and real quick for this listener, depending on how long ago your mother passed away, you can go online and find, um, just, just search for checklists of things to cover when a loved one passes away. I know Fidelity has a good one. Um, there's a lot of stuff in there that even we as advisors can sometimes forget and have to check that list. So guarantee you, you want to look that list over, um, as far as, uh, canceling subscriptions, titling of vehicles, insurances, all these different things. You gotta, it's, it's a painful process, but, um, yeah.

• 20:45Speaker 00

  Sometimes trying to be ahead of the game can make things less painful because sometimes you don't know you need to do it until somebody reaches out to you because it's either been past due or whatever. And then it makes it even more difficult sometimes to get it cleaned up. So lists like that can be really helpful. Sometimes I know also that like hospice providers and, um, uh, funeral homes can also give lists like that, that, that help you remember some of the things to take care of. So again, sorry for your loss. Thank you for reaching out and I hope you can get that handled and that can be a stress. That is a thing of your past. Yeah, so we do want to jump in real quick to this. We have good afternoon, Money Wise. I'm 62 years old, moved to Bakersfield about a year ago. My husband worked in tech for 32 years before retiring.

• 21:25Speaker 00

  While I mostly stayed home raising our kids and only worked part-time, I'm wondering if I should claim spousal benefits now or wait until my full retirement age? We also considering moving back to Nevada for tax reasons. Would that affect my social security benefits? Uh, long one, but thank you. So there's a couple of things here that, uh, you, you mentioned your husband being retired, but is your husband already, uh, receiving social security? You cannot apply for spousal benefits unless your husband is already receiving his benefits. So that's the first step in that answering that question. If he's waiting until he's at full retirement age to turn on his social security,

• 22:07Speaker 00

  then you can't turn on yours yet until you get to your full retirement age or he turns his on. So that's step number one. Um, let's say he is taking it. We can talk about that a little bit, some things to consider, because this is a very common thing that people talk about. It depends on whether or not you need the money. Like if, if you don't need the money at all, it can kind of be like, okay, well then why am I going to turn on social security? Uh, and give up the growth of what social security will grow at? And there's people that can be very passionate one way or the other, because some people are like, I don't care. I don't want to leave it in social security any longer than after I'm turning it on and I'm taking it. That can be great, but if that money comes out

• 22:50Speaker 00

  and sits in a bank account that is maybe not paying you a whole lot of interest or something like that, because you don't really need the money. Well, social security grows at 8% per year, your benefit does. Now that's not like an investment account that you can cash out at 65 or 66, but there is what's called a break even point. And at some point in the future, you would have gotten a lot more money from social security if you pass age. It usually hinges between

• 23:16Speaker 03

  78 to 80 around there?

• 23:17Speaker 00

  78 to 80. If you waited all the way till 70, you would still end up making way more money, even waiting all those years to get money, but your break even is more around 81 or 82. So that's kind of that timeframe that the quote unquote break even analysis is done. So it kind of depends on a few of those factors. Is your husband taking social security? If he is, then you go, okay, do we need the money? What's our plans with the money? Um, if you're taking money out of investments, you might, you might think yourself, you know, like say it's $1,500 a month. You're taking $1,500 a month out of your investments. Well, I'd rather turn on social security and not pull the 1,500 bucks a month out of my investments.

• 23:56Speaker 03

  And have to pay taxes on it if it's in a, like a traditional IRA or 401K.

• 23:59Speaker 00

  Yep. So there could be.

• 24:01Speaker 03

  These are good things that, you know, we as advisors, of course, we help manage money, but the, the bulk of what we're getting paid for is advice around these types of topics. So I would encourage you to find a good financial advisor. I know a few around here at MoneyWise, if you want to come in and, and talk it over.

• 24:16Speaker 00

  Yeah. And it is one of those frustrating things because I know sometimes we all would love advice that's black and white and you should do this. But sometimes working with a financial advisor is more so looking at the pros and cons on both sides. And the experiences of what we've seen one way or the other, working with multiple families and clients and, uh, these decisions. And unfortunately, you know, most of us don't know when our expiration date is. Cause like, if somebody was like, if I knew, hey, you're going to pass away at 75, you should take it now. Right?

• 24:47Speaker 03

  What if we were like an egg carton, Chris, and it was on the back of our neck or something?

• 24:51Speaker 00

  Yeah.

• 24:51Speaker 03

  That'd be crazy.

• 24:53Speaker 00

  Yeah. What's that? You ever watched it? What's the time? What's the Justin Timberlake? Is that what it is? Is that what we're talking about?

• 25:00Speaker 00

  You know what I'm talking about?

• 25:01Speaker 03

  Steven, I'm sorry. I know, I know. I love it. I'm off the rails here. I'm off the rails.

• 25:05Speaker 00

  Did I miss something? What's egg cartons?

• 25:07Speaker 03

  The expiration date on an egg carton. So if you had it like the date and people knew, they walked by and they see that it's like next week, they're like, oh man, that's a, that's a tough break.

• 25:15Speaker 00

  It'd be easy to give a lot more advice.

• 25:18Speaker 03

  Very specific.

• 25:19Speaker 00

  Very specific advice.

• 25:20Speaker 03

  What about Nevada? My bad.

• 25:22Speaker 00

  Yeah. So Nevada does, does.

• 25:25Speaker 03

  No ink, no, uh, uh, is it no state income tax in Nevada? Um, either way, it's not going to affect your federal taxes. Social Security is federal. So it stays the same across the states and Nevada has no state income tax, which can help your finances in other ways. If you're pulling income in from these different sources, or if you have a part-time job in retirement.

• 25:48Speaker 00

  One of the things I was gonna say, and this might blow a lot of people's minds because people have certain thoughts about California. But California does not tax social security benefits at the state level.

• 26:01Speaker 03

  Really?

• 26:02Speaker 00

  Yes. So it actually would not change your situation at all regarding social security.

• 26:07Speaker 03

  Check that.

• 26:08Speaker 00

  Now, it would, it would, it would affect your IRA distributions because you wouldn't pay state income tax on those. And I've heard California has high income tax.

• 26:18Speaker 03

  The highest. It has the highest income tax in the country.

• 26:21Speaker 00

  At least a bracket. I don't know where it works out in the lower brackets, if that makes any sense, but we do. We claim, we claim the highest bracket available for high earners in the state of California, even above New York, which blows my mind. But it does not affect your social security because social security is not taxed on the state level in California or in Nevada. But like I said, the benefit you will get is for your IRA distributions and possibly any other pensions or things that you might have for income. They won't be subject to California state income tax.

• 26:53Speaker 03

  And I know, you may know this real quick, wonderful listener, you can actually look at the area code, compare it to the area code you live in here in California, and there's websites that can do cost of living comparisons across gas, milk, property, and something else.

• 27:09Speaker 00

  Property taxes, insurance.

• 27:10Speaker 03

  And in Nevada, there's no beaches, Chris.

• 27:11Speaker 00

  No.

• 27:12Speaker 03

  How are they gonna go to the beach and do some boogie boarding?

• 27:14Speaker 00

  Yeah.

• 27:15Speaker 03

  I think they should stay.

• 27:16Speaker 00

  Okay.

• 27:17Speaker 03

  Check.

• 27:18Speaker 00

  Yep.

• 27:19Speaker 03

  Yep.

• 27:20Speaker 00

  We're, we're not gonna be as good without you. California.

• 27:24Speaker 03

  Oh, I thought I was getting let go. It's like, ugh.

• 27:28Speaker 00

  I'm talking to our listener. We can't have all of our good California.

• 27:32Speaker 03

  On the air, on the air, Chris.

• 27:33Speaker 00

  Anyways, we're gonna take a break. When we come back, we are gonna have Shane Hubbard come in talking about the Houchen Blood Bank and what's going on over there. There you go, stick around.

• 27:43Speaker 01

  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 of your investment.

• 28:04Speaker 00

  Welcome back to the Money Wise Show. We are still live in the Gerro Ellis padded radio room off Stockdale Highway. Making it happen. Thank you very much for all the questions that came in. Hopefully that helps you guys out. If you do have more questions, we're always in business here. 847-1000. If you want to talk to an advisor or throw in another question or follow-up comment, 661-396-1000. So, we are joined by Mr. Shane Hubbard. How are you Shane?

• 28:31Speaker 04

  I'm doing good.

• 28:32Speaker 00

  Good. Thanks for joining us today. He is the Social Media Manager and Consultant for Houchin Community Blood Bank. And so, it always happens, you start to talk in between the break and great conversation starts. We had to pump-

• 28:46Speaker 04

  Yeah, you gotta pump the brakes.

• 28:48Speaker 00

  Pump, speaking of blood-

• 28:49Speaker 04

  Like that.

• 28:49Speaker 00

  Okay, so we're gonna see how many blood puns and stuff we can fit in here. But, so Shane, tell us a little bit about yourself. How long have you been over there and what got you down the line of blood work?

• 29:00Speaker 04

  Yeah, so before I became a blood worker, so to speak, in marketing anyway, I was in fitness and I did a bunch of other different things. I was a personal trainer. And then, when COVID hit, all the gyms shut down. So, I was like, well, I gotta figure out how to pivot here. So, I knew somebody at the Blood Bank and they said, hey, I'll get you an interview, see what we can get going. Started working in the distribution department, which is where they, all the blood gets packaged and shipped out to different hospitals. And then, there was an opening in marketing. I had experience. I applied and I was lucky enough to get the job. And what I had essentially learned is, is that blood banking is all volunteer-based. And so, I don't know how much further you want me to go with that. I'll let you ask your next question, but that's kinda how I got started.

• 29:43Speaker 00

  Yeah, so, did you have any history, I mean, health and all that stuff, but so, like, any formal studying of medical stuff?

• 29:51Speaker 04

  No, in fact, the reason why I got the job is because I did want to apply to the marketing position, but there wasn't anything open. So, I was like, well, I'll just take anything, because I want to get into this. I like this sort of business. Both my parents have worked in like the nonprofit space, and so, I kinda knew a little bit about it. And so, I was like, well, this is better than not having a job. And fitness wasn't really working out the way I wanted to at the time. So I said, I'll get into this and I'll study it. And I'm the kind of person that likes to learn something and then teach it, or at least share it with some other people. And so this gave me another opportunity to do that.

• 30:24Speaker 03

  Can you teach our listeners? Because I was curious too. Okay, so you know, I'm a, I'm a regular donor, you know, where does, where does the blood go? Do they, what are they testing it for? You know, I just have all these different things in my mind of what you guys might do with it, but educate us.

• 30:37Speaker 04

  Yeah. So more than anything, we're given a set of rules by the FDA. And they say, these are all the things that you need to test for. These are all the things that you need to do so that this blood can be safe enough to be given to somebody else in a hospital. So once somebody donates, the blood, it gets sent right back to manufacturing, which is where we do all of the testing and preparing. The test results come back. If it's usable, then it gets transported into the distribution department. And then the distribution department holds the blood for up to 42 days in case a local hospital needs it. So whether it's Memorial, or Mercy Southwest, or KMC, all those hospitals work with us.

• 31:12Speaker 03

  Does it have to be refrigerated?

• 31:14Speaker 04

  Yes, it has to be refrigerated. So once, once the blood comes in, in order for it to have a shelf life of 42 days, it needs to be refrigerated. So that obviously extends the life of it. It didn't used to be refrigerated. And then they figured out, oh, wait, if you're refrigerated, you know, back in the early days of blood banking, it lasts longer, which is very important. And I wish it lasts even longer, because being in a shortage that we are in right now, having any blood on the shelf is a positive.

• 31:37Speaker 03

  So.

• 31:38Speaker 04

  An O positive.

• 31:39Speaker 03

  An O. There you go. Got your first one in.

• 31:41Speaker 00

  He's got a few more up his sleeve, I guarantee it. So, so I, I base a lot of like, what I think about the blood bank, you know, like TV shows. So how often are you like having to pump blood out, get it tested, and then it gets flown out in a helicopter because there's an emergency somewhere? Does that happen?

• 31:58Speaker 04

  It does, but very rarely. So at the most, what, we try to service local hospitals first and foremost. I would say about 95% of the blood that is donated here is kept right here. And that's our goal. That's always our goal. We are part of a coalition called BERC, which is Blood Emergency Readiness Coalition. And what we do is, because blood banking and national disasters can wipe out an entire blood bank. What we do is we all have this partnership where we'll send out a couple of units per month or every two weeks and it allows all of us to work together to service those national disasters. So that would be the only example where it's getting sent off into a hospital or a helicopter and you've got kind of that cool dramatic.

• 32:38Speaker 00

  So you were talking about having blood on the shelf is a great thing. So like where are we at right now with kind of the flow of blood, you know, being donated? And what the hospitals need? Are we behind the eight ball a little bit? Are we sticking, keeping up with it?

• 32:53Speaker 04

  Yeah, so we've been behind the eight ball since 2019.

• 32:56Speaker 00

  Really?

• 32:56Speaker 04

  Yeah, so even before COVID kind of changed the landscape a little bit, we've, we, meaning the ones that are studying all this. So it's usually American Red Cross has the biggest studies because obviously they're global. And what they sent out in a report is that blood donations is down up to 30 to 42% since 2019 and they keep reporting that that trend is continuing to happen. There's a big paradigm shift happening in blood donation where you have the older generation. So I'm, I'm, I think I'm a millennial, was born in 89. I don't know where I am in the whole millennial space. But my parents and their parents had this idea that it was in their value system as a civic duty to donate blood.

• 33:39Speaker 04

  And it was always just a part of the communities that they were in. As you get younger and younger, so from millennial until whatever generation we're at now, they don't see it that way. They see it as a transactional value system. So what do I get out of this versus what am I doing for somebody else? So the altruistic aspect of it is not lost, but it's much more, I should say it's much less than it used to be. And so as blood banks nationally, what we're trying to understand is how to effectively communicate to younger generations, understand what they want and be able to find a way to incentivize them for that. The trouble is, is most of those things are basic necessities. You know, if you, I'm sure you guys would be able to tell me more about this than I can come up with. But younger and younger generations don't see purchasing a home in their future

• 34:24Speaker 04

  because of the state of the economy and things like that. So there's lots of people that just don't see a reason to give when they can't even have their basic. Needs met in a lot of regards.

• 34:33Speaker 00

  Right.

• 34:33Speaker 04

  And that comes from not just studies, but also just talking to younger generations. You know, when I get to have conversations with them, that's what they tell me.

• 34:40Speaker 03

  So, so where does the funding come from? So nonprofit, you know, and the reason I'm asking is one of the times I gave, I guess I was in the neighborhood, but I went to your facility out at Seven Oaks and it's, I was like, wow, this is, this must've been a massive grant or something. I mean, the place is beautiful. It's like a resort. It's really nice.

• 34:56Speaker 04

  Yeah.

• 34:56Speaker 03

  So how does that work?

• 34:57Speaker 04

  Yeah. So that, um, everything in that building from the solar panels to the building itself is donated by Bold House. So, yeah, so that, that entire facility was built there on their property. Uh, and I don't know the intricate details of how that all went, but yeah, that was all.

• 35:11Speaker 03

  I mean tile in the bathroom. I was like, this is luxury.

• 35:14Speaker 00

  So here, I mean, educating the public, that probably, I mean, I can't, I can't help but say, I don't even think that like walking in there like, man, I'm making a donation and this, this building, I'm, I'm sure it says it on the walls and stuff.

• 35:27Speaker 04

  Yeah.

• 35:28Speaker 00

  But educating folks that people made these large donations so that there'd be this great facility so that we could keep the, the shelves full of bloods for, uh, of blood for those that need it in our local hospitals. It really does boil down to educating folks about that. Cause like you said, when somebody's struggling or feeling like they're struggling to, you know, basically just make the basic needs of their own life. And then they go to that building and they're like, I'm, I'm giving time up to do it, but, uh, so is, is all blood bank donations and stuff? That's all nonprofit side or can there even be on the blood side? Cause I know plasma can be for profit.

• 36:04Speaker 04

  Sure.

• 36:05Speaker 00

  And, and just a real quick note to our listeners, sometimes people don't understand the difference a little bit between for profit and nonprofit. Nonprofit just means there's like a board, there's a little bit more transparency with the numbers. Uh, as far as being able to look through the budget and different things. There's filings and different things that are.

• 36:24Speaker 04

  Special tax breaks.

• 36:25Speaker 00

  Special tax breaks, but then they also have to then open up the books. You can have nonprofit corporations that are doing humongous numbers and paying humongous salaries possibly.

• 36:35Speaker 04

  Yeah.

• 36:35Speaker 00

  But they do have to open that up so that you can look into it. And so obviously what we would all want as a community is. An organization that's doing a good job with their budget and taking care of all the responsibilities and doing a good job hiring great folks to get the word out there so that we have enough blood on the shelf. Cause the saying is true that when people give, people live. And a lot of times, it doesn't seem like blood donations mean anything to you until you or someone that you really love, all of a sudden is in a car crash and literally, "Oh, we actually don't have a lot of that blood." And it's, and it can be the difference between literally life and death.

• 37:13Speaker 03

  I have a marketing idea. You're in marketing?

• 37:15Speaker 04

  Yes, sir.

• 37:16Speaker 03

  So it wouldn't be that difficult to set up a system? What if the donor got an email, a ping, if it's five weeks down? So say I go donate today and three weeks from now, "Hey, we just wanted to thank you. Uh, it was used for, you know, a surgery at KMC" or something, you know, that would be real. Then make it a little more personal and then you feel like, "Wow, I made a specific difference."

• 37:36Speaker 00

  Well, and to not violate HIPAA, you could actually like fake it. You don't even have to be real. You could just send them and eat.

• 37:42Speaker 03

  You just literally save someone's life, Seth.

• 37:46Speaker 00

  Seth, like, Shane, you're probably like, "Oh yeah, great. Let's start a program where I have to email every single donor."

• 37:52Speaker 03

  Thanks for coming on the air.

• 37:56Speaker 04

  No, we actually have been looking into a system, uh, through, uh, our CRM that can do something similar to that where basically we get a report from the hospital that says this blood unit was used. We take out all of the personal information, but we tell the person who donated, "Hey, this was used."

• 38:11Speaker 00

  Yeah, that would be special.

• 38:13Speaker 04

  Well, and it closes the loop because right now what we have is we have you donate, but then you don't really know where your product goes. You know that it goes to save lives, but when was it used? You know, where was it used? That kind of thing. So we're definitely trying to work on a system that can appropriately do something similar to that.

• 38:28Speaker 03

  Yeah. Do you guys pay for any of your services in terms of if someone did donate plasma or is it strictly donation?

• 38:34Speaker 04

  It's strictly donation. So, um, per the FDA, we can't pay donors. It all has to be volunteer based, but we can incentivize with non cash refundable items. So gift cards.

• 38:44Speaker 03

  I've gotten a few of those Amazon gift cards. They're pretty sweet. Tell us about...

• 38:47Speaker 00

  We'll take a quick break. When we come back, we, you guys got a couple of exciting things going on there. We'll be right back.

• 38:53Speaker 01

  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.

• 39:13Speaker 00

  Welcome back. Thank you for joining the Money Wise Show. Just learning more about the business of blood. Maybe, did you, was it because of Ozzy Osbourne?

• 39:25Speaker 04

  Yeah.

• 39:26Speaker 00

  Yeah?

• 39:27Speaker 04

  Yeah.

• 39:27Speaker 00

  So, uh, somebody shared a picture when Ozzy passed away and it was, it was Ozzy and it was, uh, who's the, Randy Johnson, the big tall pitcher?

• 39:35Speaker 04

  Oh, yes.

• 39:36Speaker 00

  And it said, "I'd hate to be a bird in this room."

• 39:39Speaker 04

  Yes. That's right.

• 39:42Speaker 00

  All right. If you know, you know. So, there you go. Um, so, uh, when, when we're going to break, we were talking a little bit about, "Oh, comment came in. I've always wondered, and you may have already said it, but does the blood stay here in the community? Also, how would one set up a blood donation event outside of one of our businesses?" And so, I think we did address that 95% basically of the blood stays local. There's a little bit of sharing between blood banks because there are big issues or, um, I guess, you know.

• 40:11Speaker 04

  National disasters.

• 40:12Speaker 00

  National disasters and, and that. So, trying to build up more of a community for those type of events. But what do you, what do you guys, where are you at with, because I imagine blood donations and the buses and all that stuff have kind of been on a recovery course since 2020 and COVID and how much that changed everything. So, how are those events doing now as far as the, the buses?

• 40:33Speaker 04

  It's recovered, I'd say about 100%. So, we're back to normal functionality with our mobiles. And if anyone wants to reach out about, inquiring about getting a blood drive set up, then you can email us at [email protected] and that will go filtered right to our community development manager and she'll talk to you about any sort of setup you want to get.

• 40:50Speaker 00

  Yeah. Now, is there like a, is there like a, like, based on how much your spot gets as far as blood donations? Like, you get down to the bottom as far as how much blood's getting in, then you drop off, you're like, "Hey, we're going to bring in another spot because your spot is not bringing in enough blood." Because you'd want to be efficient with that, right? If you're sending out the blood bus, you want to, you want to get a, an area that's going to get a lot of people coming out.

• 41:12Speaker 04

  Yeah. Um, so we have a minimum projected amount. So, if you can project that you can get at least 20, 25 people, that's, that's the minimum. Uh, otherwise, it doesn't make a lot of sense for us to be sending out a bus. Yeah.

• 41:23Speaker 01

  Yeah. So, I don't give them your cell phone number?

• 41:26Speaker 00

  We have three people in our office, so we want to give blood. Can you drop one of those buses? But I mean, that's where if you are a smaller office, it could almost be an out of an office fun experience. Like, everybody go to-

• 41:39Speaker 03

  Have a bloody good time, you know?

• 41:41Speaker 04

  There we go, number two. Look at that.

• 41:44Speaker 03

  So tell us about the VIP Raiders game experience, July 20th to July 26th. What is happening there?

• 41:51Speaker 04

  Yeah, so up until, yeah, it's right now. So this whole week, we've been doing that giveaway. So it is a raffle. Anyone who comes in and donates and does a little entry form will be automatically entered and we're going to pick a winner on Monday or Tuesday. Depends on how busy Monday is. But it's a real cool experience. So you not only get two tickets at the 25 yard line on the Raider side, but you also get a VIP experience at the Twitch Lounge and it has this exclusive little area where you have your own food ordering, you've got your own bathroom. So it really is a VIP experience.

• 42:21Speaker 00

  Yeah. Now, when you say VIP to a Raider game, does this mean that section, you actually have to paint your face black and wear spikes?

• 42:28Speaker 04

  No, you just get to watch all the fights. So you just get to watch other people fight. Yeah, it's really just all the safe zone.

• 42:36Speaker 00

  Wouldn't that be hilarious though? Like, two people that won this through the blood donation drive, they're like right in the middle of the dog pack or whatever they call it.

• 42:43Speaker 03

  Can you fill me in on the Twitch Lounge? Does anyone know?

• 42:47Speaker 04

  No, I don't. I don't fully understand what the Twitch Lounge is. I know that Twitch is a company that does all like the gaming service. So I think, yeah, so I think it's like the lounge is probably just a spot where you can hang out and have a drink. Yeah, exactly. I don't think there's gamers in there playing games or anything.

• 43:02Speaker 00

  It's not people twitching.

• 43:03Speaker 04

  No, it's not tweakers.

• 43:05Speaker 03

  I was gonna, thank you.

• 43:06Speaker 04

  That's what your question was.

• 43:08Speaker 03

  I didn't. Great. I was thinking, man, that's where they go, the Twitch Lounge. Man, this looks awesome. And we were talking about Allegiant Stadium, Allegiant Stadium off the air and it's a marvel. I think it's the most expensive stadium, if I'm not wrong.

• 43:23Speaker 00

  For now.

• 43:24Speaker 03

  For now, until the next one's built, right?

• 43:27Speaker 00

  Man, the Twitch Lounge is 26,000 square feet.

• 43:31Speaker 04

  Gauzers.

• 43:32Speaker 00

  Premium club amenities. Lounge provides variety of food options, premium drinks, along with private restrooms. There you go.

• 43:41Speaker 01

  That's what you want.

• 43:42Speaker 00

  Very cool.

• 43:43Speaker 04

  That's a heck of a giveaway.

• 43:44Speaker 00

  Yeah. Yeah, there you go. So get in there if you're due for donations, get in there.

• 43:50Speaker 04

  And it's easy. You just hop online, schedule appointment. That's what I always do. They text you, you know, it's simple.

• 43:56Speaker 01

  Well, I know the Raiders one ends Saturday.

• 43:59Speaker 04

  Right.

• 43:59Speaker 01

  But I know you have something coming up in August that I know a lot of Dodger fans might want to hear about.

• 44:07Speaker 04

  Yes, yes, exactly. So, uh, starting Monday, July 28th, actually, so this coming Monday, uh, is our month-long, uh, Grand Slam Dodger giveaway. So what this is, is there's three different tiers. There's first, second, and third place. Again, like the Raiders, uh, promotion, all you have to do is donate. And the cool thing about this one is when you donate, you can ask for a ticket. And this is a stadium ticket that we custom made. Um, and on the back of it is a little QR code and there's a little entry form. What we're trying to understand is who's really interested in this promotion? Because this is a, this is a big one. So the first place is a Shohei Ohtani-assigned memorabilia photo frame. It's really, really nice. I got to see it the other day and take some photos of it. Um, second place is going to be two tickets to a Dodger game.

• 44:49Speaker 04

  I think they're playing the Phillies in September. I think that's what the game is. Um, so that'll be a good game. Um, and it's, uh, I believe it's like, it's not right behind home plate, like where you get to see the people on TV, but it's, it's right behind home plate. I think like the lounge area. So it's really good seats. Um, and then third place is going to be authentic Dodgers jersey. So whether you were, win first, second, or third place, you're getting something pretty, pretty sweet as a Dodger fan. Yeah.

• 45:10Speaker 00

  Yep.

• 45:11Speaker 03

  Would you rather have the tickets, Chris, or the signed frame?

• 45:14Speaker 00

  Probably tickets.

• 45:16Speaker 04

  Probably.

• 45:16Speaker 00

  If it's two, it's two seats.

• 45:17Speaker 04

  Yeah.

• 45:18Speaker 00

  Yeah, because, you know, my, my, my wife loves going to Dodger games. So that's, that's why that would be, uh, she's not much of the memorabilia type. Matter of fact, every time I bring something home new, it usually is followed by an eye roll. So, not sure if you guys. Shane, thanks for coming in, man.

• 45:35Speaker 03

  Thanks for having me, Seth.

• 45:36Speaker 00

  Yeah, get out there and get involved with blood donations. It's actually pretty cool. I started when I was 18 years old. They used to come to Stockton High School. I graduated Stockton High School. I worked with the special education group there at Stockton High School and I started giving at that time and have just kind of stayed pretty consistent with it. And it's amazing what numbers you can start getting to by just being pretty consistent. You know, not, I'm not every single six weeks or whatever it is, but I've stayed consistent enough and it's pretty cool to have a couple. I don't even know what I'm at, two gallons, three gallons, I don't know. Nice. Yeah, it's really neat. Awesome. So, thank you for joining us. Get out there and donate and hopefully one of our listeners will get one of those gifts. Be smart, be safe, be money wise.

• 46:15Speaker 05

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