Episode Transcript
[00:01:00] Speaker A: Okay, coconut man. Moon heads and pee.
You ready?
Seems like everybody's got a price I wonder how they sleep at night when the sale comes first and the truth comes second just stop for a minute and smile. Why is everybody so serious? Acting so damn mysterious? Got shades on your eyes and your heels so high that you can't even have a good time? Everybody look to their left everybody look to their right can you feel that, gay? We're paying with love tonight it's not about the money, money, money we don't need your money, money, money we just want to make the world dance forget about the price tag ain't about the.
[00:01:56] Speaker B: Hey, everybody. Welcome to money and change right here on the Trim radio network, better known as trimradio.com. and we broadcast worldwide.
And I'll tell you what, we've been doing this for quite a while, and we enjoy it because we get to get the word out. We cut the bull, and we serve the truth. And that's the way it is. So, hey, guys, welcome to money and change right here on the trim radio network. And before we get going, I've got a disclaimer that I've got to read. The information contained in this presented material is from the posting of news agencies on the Internet and are not necessarily the views or opinions of the owners of this program. Nothing in this show should be considered legal, medical, financial, or investment advice. You should always do your own research and consult with professionals. We are not responsible for and expressly disclaim all liability for damages of any kind arising out of use, reference to, or reliance on any information contained in this broadcast.
Now that the legal stuff is over, now we can get on with the show. Hey, a big shout out here to the Trim radio network for carrying the show. And we have a lot, a lot, a lot of good hosts and some good programs that you need to listen to. They're very interesting.
And we go all over the world, you know, the Trim radio network, you would say. Well, it's not a big, major network, no, but we cover a lot of information. And I'll tell you what. I've got listeners in Myanmar, which used to be called Burma, and South Africa and Europe, North America, Canada. I don't think I've got anybody in Iceland, though. So if you're listening and you're in Iceland, hey, let me know, okay? But anyhow, we've been doing these shows for over, oh, ten years on this radio network. I was on another one before, and we had a lot of good times there, too. But we do have a lot of good radio shows and videos basically. And so if you take a look at what we've got and let's see if I can find those magical buttons. You know this program, I've had nothing but problems today with a thing called a computer. Have you had problems with your computer lately? Oh, it's a pain. All this update with 24 h whatever, seven or whatever it is with Microsoft.
I'm thinking about going to Linux.
Yeah, l I N U X.
A lot of systems run on Linux and I'm investigating that right now. So who knows, I might just switch from Microsoft altogether.
Well, anyhow, guys, so much for my Microsoft Rantin. If you take a look at our shows right here, you can see that we have around the bend.
Okay, that's the radio show and podcast we've got. Branch it up with Tigger and Beck. We've got life walk with Christ God. And that's with Michael Behoss. We have money and change every Sunday at 07:00 p.m.
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Somehow I keep getting this vast thing interrupting me all day today. It's a pain, and you can see it right there on the screen. I don't. I pay for this and I don't pay to have everything scanned every other second. It's just really obnoxious.
So I've asked if you're listening.
I'll give you a bill. The cat.
Maybe I'll get another different scanner.
It's been a pain today for some reason. It is just a pain. Well, anyhow, so much for the pain. Let's get to the merchandise. Okay, we've got the cut the bull rectangle photo key ring. We've got the life walk with Christ God ceramic ornament. We've got the life walk with Christ God color morphing mug. Hey, I like to have a color morphing mug for money and change. You add hot water to it and you get $1,000 bill on it.
I don't know what face we could put on the $1000 bill. Hmm, not mine. No, no. But we could find something to put on there, and maybe Michael Bayhouse could make that happen. Maybe Victoria could make that happen. A morphing mug. That would be a good one. You can advertise also 92nd spot on your advertising. You can cut the bowl color morphing mug. Oh, I like morphing mugs. How about the trim radio on air unisex ultra cotton tee.
I don't think they make morphing tees.
Morphing t shirts. There's a take it all 15 take point 22 red blue color morphing mug.
And we've got make the right vote in 2024 shirt. We've got the bullseye, vip membership and much more. We even have a clock. Okay? So support us by buying the merch, okay? Buy the merchandise. It pays for air time. Okay? And that's an important thing.
Okay? We've got other stuff going on. Wow. I mean, other stuff. You know, if you take a look at our Facebook page, our Facebook page is money and change slash financially prepped. And I'll show you that here in just a second.
Because I'll tell you what, we put a lot of information there and we update it several times a week. And if you take a look at what we've got there right now, you take a look at it and you see the LDS prep for natural disasters, and they talk about maybe their church guidance on natural disasters and emergencies. I'm not taking the side of any one church versus another church, okay? But I'll tell you what, they are excellent at prepping. They know how to prep for emergencies. Matter of fact, they have a book that I actually purchased years ago, and it is probably two inches thick.
And it tells you what to do, how to prep for an emergency, what type of food you need to stock up on, how you purify water, how you store water, you know, how you handle communications, first aid guides and so forth. It's excellent to have, okay? And all you have to do is just contact the Lds church. You can download it for free or you can buy it, and I think it's $20. Okay? It's a good book. Trust me. Okay. We've also got things like strange reports all across America. And this is the max, okay? And he's right. You have to listen to him. You really do. And also need to have lists on the, when the, you know, the who, he hits the fan. Okay? There's a frequency list here and I posted it. You can download it and print it off on your own, okay? It's important to know for CB's and frs and gmRs. Speaking of gmRs. Oh my God, people.
Well, I might as well talk about it now. Okay? I might as well talk about it because guess what?
Hurricanes, tornadoes. Disasters, GMRS radios come in handy. This is notion 935 g with a Nagoya 771 g antenna. I can talk from here to Dayton, Ohio. Okay? About 35 miles away. And I can hit a repeater there and talk farther than that. And you meet a lot of nice people here. But in an emergency and your phone doesn't work, guess what?
GMRS radios come in handy if you're not a ham radio operator. And I'll tell you what, these radios, okay, you can get the cheap ones that Wally world, Costco, places like that. You can get them, but you don't get the range off of them. They say they'll do 50 miles. They really don't. It's line of sight. This is an ocean 935 g. And I'll tell you what, it's a good radio. It's not a cheap bubble wrap radio, but it's a good one. And I'll tell you what, you can set up your own little network around $35.
Fill out the form online to the FCC. You will get your radio license probably the next day in the email. And all you have to do is just remember, follow the rules. And everybody in your family can use this radio.
And you could have unit 12345 with your call sign. And all your family's members could have that radio. It's great for communication informally or if there's an emergency. Okay, so you want to check them out, GMRS radios. Okay. So much for that plug. And thanks to LDS prepper. You got me hooked on it, kiddo.
David, you really. You really did. Well, anyhow, guys, we have a lot of different things. And I'll tell you what, there's just so much stuff out there and we can, we can talk about all kinds of stuff. But you know, with the page, I've got those emergency numbers there and you can see them, they're posted. Also I want to do after a hurricane, remember, we've had several hurricanes and we're going to have a couple more.
Yeah. The words out there that we're going to have a couple more.
This one could go up the east coast.
So for my friends in Myrtle beach, watch out. Okay. Friends in Georgia, watch out. But we have a listing here, what to do after hurricanes. Okay. That was the basics. We also have what to do before.
Okay. How to, how to stay safe. It's there. It's redcross.org. a lot of stuff that we have here, you know, first on hand, information from Dave, Dave Kobler. And we talk about Dave with boots on the ground. And he's been doing some hurricane relief and prepping and all kinds of stuff. That's a good one to follow. Okay.
Our entire country's at risk in 32 days. Marfogle news.
Adam at Marfrugal News. Crazy name. But I'll tell you what, he does a good job reporting things, okay? And he's on YouTube. You want to check him out? Also, uh, stocktober, okay. With the rogue prepper. And I'll tell you what, she talks about stocking up a little bit at a time. That's all it takes is a little bit at a time. And here we have Rachel, and she talks about crisis ahead with the patriot nurse. Gotta check her out. Oh, and my favorite photograph. You know, I told you I went to Ohio University for homecoming a few weeks ago. Well, this was the homecoming parade.
And that is just the alumni band.
550 plus people in the band. And boy, were they awesome. Put on a very good show along with the Ohio University marching 110. And it's amazing they call it the 110 because everybody gives 110% even though they have over 450 members.
Yeah, it's amazing. It's amazing. But a good time was had by all. Well, anyhow, so much for those plugs. We've also got rusty ducks, custom pens and blanks if you need a custom pen. Made for your sorority fraternity, masonic group, Elks Eagles college university business presentation pens. Really nice. Even Christmas presents. Hey, Phil does an excellent job. Check him out at Rusty Ducks custom pens and blanks on Facebook. Okay, so you want to check out him. A big shout out to the big family homestead with Brad and Krista. And they were talking a little bit about the hurricanes and so forth because they used to be in Florida. They lived there for a long time, then they moved north up to Cincinnati, Ohio, in that area. And I got to meet them. They were great people. I mean, really down to earth friendly. I mean, it's like you would have known them for years. Okay. Check them out there on YouTube. Deep south homestead with Danny, Wanda king.
I wish they were my neighbors. They're good people. All these people are southern. Prepper one with Dave Culver. We talked about Dave and what he does. Check him out on YouTube. We've talked about Rachel at Patriot Nurse, and we've talked about Ed Carswell from time to time. On prepper nurse one, he talks about saving water and doing some prepping. He's got a place in West Virginia that he's working on. It's a campground. And also, prepper princess with Amber Stork. I have some of her videos on the money and change Facebook page. You have to take a look at Amber Stork because she's a self made millionaire. Okay? She lives frugally, but she knows what she's doing, and she proves that you can live frugally and still get by very well. Okay. Also, David Gilmore. Like I said, david, thanks for getting me hooked on GMRS radios, even though you have over 600 other videos.
600, wow. You got me hooked on the GMRS radios. Also the max. And they're located down in, I believe, eastern Mississippi.
Okay. So you want to check them out.
So, so much for the patting on the back for all my buddies out there, my good people. And I wouldn't recommend them if they weren't good. Okay.
That's. That's the truth. Okay. Um, we've got to talk about hurricanes.
You know, last week, I talked about the time that I had going down to Ohio university in Athens, Ohio, and raining all the time and then returning back to home on Sunday. And I'll tell you what, heavy rain, but not the heavy rain that they had down south in Tennessee and in North Carolina. South Carolina and in Florida, it's a lot of rain.
And when it rains, it pours. And boy, did it pour. I'll tell you what, we've got a lot of stuff that here that I want to talk about.
And it took everything here. It just went right out of order. It's amazing. I have to find a way to order these up correctly. Okay. It's a learning experience here. Well, let's just get into hurricanes. Okay. And you can see by this one, and this is the weather Channel put this one up and a half trillion dollars in the staggering cost of us hurricanes and tropical storms since 2016.
Yeah, since 2016. And then they showed a video about the hurricanes in 2020.
Well, they keep getting stronger and stronger and stronger. Okay. And I've been trying to research the amount of cost it is in damage. One place that I looked said, oh, this last storm will cause about $48 billion.
And what hit North Carolina and Tennessee and so forth could be as much as $100 billion. So the total here right now, and it's a guesstimation, it's nothing exact, but it's a guesstimation is about $130 to $140 billion so far. And we've got another hurricane coming in. Okay. And maybe one after that just depends on how everything goes. And, you know, the ones that hit North Carolina, that was a lot of devastation. I watched a lot of videos about that. And you saw Asheville area, it was just devastated and heavy rain and landslides and everything else. And anything along this river was just taken out. And I believe it was route 40 where they had a lot of damage. And I don't know how many dozens of bridges were knocked out, but the one thing that got me was that there were reports that FEMA was refusing to have anybody enter the area.
And here in that neck of the woods, I don't know about where you live, but in the southe, southerners like to take care of themselves.
You know, they kind of, like, hate foreigners.
They take care of themselves down there. And so they started their own relief efforts from other people in Tennessee, from other people in maybe Georgia or in Ohio or Indiana, Michigan and elsewhere. And there were truckers bringing in water, bottled water. They need that desperately. Another truck and company was bringing in, like, food supplies and medical supplies and so forth. They had pilots volunteering to bring things in to an airport in that area, and FEMA said, no, they would arrest them on the spot and confiscate everything. They had a. Now, is that right?
No, they had all these volunteers bringing things in, and they were just slapped on the wrist. And at one point, there were reports of a helicopter, a Blackhawk helicopter, coming into an area where they had all these emergency supplies and tents and so forth set up for the people that were working there. And they had prop wash coming from the rotors on the helicopter that just knocked everything over, and I guess caused some damage. And supposedly those pilots were reprimanded for doing that. I don't know how many people were hurt, but they caused a lot of damage for that. And they don't know if they were FEMA pilots or what, but I'd say they ought to lose their pilot's license for doing something like that during an emergency. And this was an emergency. There are still people up in the hills that don't have water, that don't have supplies. They can't get rescued because they won't allow helicopters to fly up there, even private helicopters. It's a no fly zone.
Yeah.
Your government at work or lack of work. But anyhow, all this people wanting to help, and that's what people do. They want to get in there, they want to help, and they want to do it the right way and so forth. And why people would turn you away. There's got to be some type of alternative ulterior motive. Okay.
Taint. Right.
So anyhow, things are beginning to get to the people down south. And remember that back in the hills, we're going into winter, and people need clothing, okay? They need medicine. They need sanitary supplies, soap, water, everything. And if you can help, donate, you know, go through a church or go ahead and donate through salvation army they do an excellent job there.
You know, I mean, that's more direct.
So Samaritan's purse is another one, a very good organization. So if you get a chance, you can donate to those too. I don't get paid for saying this, but they're very good people. Okay. Samaritan's purse and the Salvation army. Okay, I've got people that I know that were in the Salvation army in South Carolina, and they were officers, okay? They were the brass. And I'll tell you what, I went to school with them. Great people.
I've only seen them a couple of times since they've graduated, but they've retired since they're in South Carolina.
Well, anyhow, getting back to this on the Weather Channel, they had a thing that said, us has had costly stretch of hurricanes and tropical storms in recent years. And if you take a look at what was going on in Florida, did you follow that? There's a guy that did live streaming right during the hurricane down there, and it was JLR investigates.
And he spent hours out in his car driving around and doing things in St. Petersburg and on the beach where? Indian shores, indian rocks, Bel Air beach and so forth. I mean, Clearwater beach.
I'll tell you what, he did an excellent job. And he's still reporting from up in Pasco county, which is north of Clearwater. And I'll tell you what, there's some flooding there still, and the water is not receding that quickly. And it should.
But the hurricane that hit actually hit around Sarasota, Bradenton in that area. And it was supposed to be a category five and they kept pushing it as a five. It's a five. It's a five. No, it ended up with category three, which caused enough damage as it is to St. Pete and so forth. But I've been through a category one. I never want to go through that again. I've been through tornadoes within 300ft of a tornado. I'll tell you what, it was a small one, but that's enough to make your hair stand on edge, your eyes open up and your jaw drop around your ankles. I'll tell you, it was hairy. But you take a look at what the cost is, and they said in this and they said, and you can see it, that's by far the most billion dollar tropical cyclones in any six year stretch in the records dating back to 19. 87 of those billion dollar storms happened in 2020, including Hurricane Laura strike in the southwest Louisiana. You know, we've had some of them and people are saying, well, this is due to climate change.
The only climate change we've had is probably about a one to two degree change in Mars, which means we get the same change. If they heat up, we heat up. If they cool down, we cool down.
But the climate change is negligible. And it's not really us doing it. It's the sun.
Oh, by the way, have you taken a look at the sun lately? It's brighter.
It looks like it's bigger. Is it getting closer?
I don't know. You tell me.
Today, I couldn't stand driving out in it because I'll tell you what, it was awful bright.
Well, you take a look at the costless storms there, the costless hurricanes. You can see by the chart $180 billion in Katrina in 2005. Then you had harvey with 143.8, and then it goes on down. Sandy, Irma, Andrew, Ike, Ivan, Michael. So what's it going to be on this one? You know, like I said, some people are estimating and it's only an estimation is 48 trillion or, I'm sorry, 48 billion.
And it could go up to 100 billion. But what happens when you get up and you add all of them this year?
Some people are saying it's going to be almost half a trillion dollars. Half a trillion. That's, well, I think the latest estimate is 458 billion.
B I l l I o n. That's a lot.
You couldn't store that in your house.
That's a lot of money. It really is. And considering we are in debt. Oh, by the way, how, how much in debt are we in? Let's see. Do I have the national debt available?
Yeah, let me go ahead and put the national debt up there because I think you need to know the national debt because it's going to get even worse. Okay. And what do we do? We tell government to stop spending. But how can you stop spending when you have disasters like this?
Well, they give money away to other foreign countries, but they don't take care of their own. It's election year coming up. Talk to your congressman, talk to your senator, and say, look, we have to spend some money on the hurricane relief, taking care of our own people before we take care of anybody else. Well, here's the debt clock. And you can see the debt clock here. Okay.
Us debt clock.org.
and if you take a look at it right now, we're at 35,700,873,000,000 and it's climbing. Okay. That's about $105,000, almost $106,000 per citizen and per taxpayer, because not all citizens pay tax.
It's $271,189.
I don't know about you, but I don't have that kind of money. Probably never will.
But the federal government is spending money like a drunken sailor. Only drunken sailors know when to quit because they run out of money. You know what I mean?
They're overspending. They don't care. They need to because we're in debt. We're going to get so broke, other countries are probably going to have to come in and help bail us out. It's getting that bad?
Well, hurricane costs, I'll bring that up, because I'll tell you what, that's.
I mean, how do you figure all this out for cost of hurricanes? Okay, how do you figure it out?
Well, I'll tell you what. I started looking some stuff up just before the show. And how much do hurricanes cost per year? Okay. The total cost for these events was over $165 billion, making this the third most costly year on record. Between 2017 and 2005, annual cost from billion dollar disasters has exceeded $100 billion in five of the last six years. That's up to 2022. So, you know, it's going to be expensive.
Now, how much of the hurricanes is increased?
Well, they're saying they're three times more frequent than 100 years ago.
Yeah.
And living in Florida, I'll tell you what, that one, um, was a tough one. Now, I want to tell you what.
There's a guy that's on YouTube, and I remember seeing him. It's called life for sale with Ben Malla. Mallah. And Ben lives basically at Bel Air beach in Florida. And that was hit by the hurricane. And he, he did a video, and he was showing his main property, a beautiful mansion. I've been by it I don't know how many times over the last 20 years.
He's owned it, I think, for maybe the last three or four years. Beautiful place.
Tom Cruise has one right down. The. Right down the street on. It's on Gulf Boulevard.
And that goes all the way up to Clearwater beach. But anyhow, he was showing the devastation to his place, and he had to find a parking garage to put some of his expensive cars, like a Rolls Royce.
He had some beautiful cars, and he had to put them up on the second floor, and the ones on the second floor kind of got wet. And I think he had to put them up on the third floor at John's pass. He owns a lot of property around that area. And they showed one of the hotels that was damaged, and the water damage was such that the water came in probably up to three or 4ft and they had to throw out all the furniture on this first floor of the hotel that he owned and they had to strip the walls up so high and clean everything out and clean, clean this whole mess up. I'll tell you what, it's going to be a very costly venture for not only Ben Mala, but anybody else on the beach. Okay, hurricanes.
It's like Ben said, if you live in Florida, expect to put up with hurricanes, pure and simple. And so for him to get back in business, he has to go ahead and get everything cleaned up.
He has to dry everything out and do mold prep, remediation and everything else. It's an expensive situation and he had a good video on it and showed what was going on.
J what is it? Jlr investigates on YouTube. Check him out. He was doing a really good job in showing the piles of trice were out on the streets that they had to get rid of before the last hurricane.
Okay.
Things are expensive and your insurance is going to go up.
Insurance premiums are going to go sky high. And people that buy homes down there, I don't know if they can be insured or not.
I've got friends of mine that live down there and their storm insurance is quite expensive.
And now with this hurricane and some of the others coming through, it's going to be even higher. So you just about have to be self employed or self insured down there.
And I don't know what you would pay.
You might have to be insured for a million dollars or more. I don't know. I don't think I could live down there at all.
Why? Because it's too expensive. I'd love to live down there, but I'll tell you what, it is too expensive.
Way too expensive. And maybe that's the result of real high prices.
You take a look and say, well, what was done during the hurricane?
Here's a picture of Hurricane Helene is exposing the broken flood insurance system, according to Fast Company. And I just pulled that one up. This is very few homeowners have flood insurance and the National Flood Insurance program is $20 billion in debt.
As disasters increase, what's the solution being self insured? Well, anyhow, they had an article about, Asheville, North Carolina is a mountain city more than 2000ft above sea level and about 300 miles from the coast. That still didn't protect it from the flooding. It rained up in the mountains. Water came down through there, did a lot of damage. Okay.
The three day rain, total range from 13 to more than 30 inches of rain.
I've been in Houston, Texas, when it rained eight inches in 24 hours, and that was not fun. Okay. You could look out on the street below the apartment and you could hear the buses coming, but you couldn't see them.
Yeah, it was not a good time. Well, then you take a look at some of the damage and you can see that here, some of the buildings that are flooded. Okay, you see that?
That's going to be a lot of money. A lot of money.
They were saying in Buncombe county in North Carolina, where Asheville is located, less than 1% of the households there have NFIP policy, national flood insurance policy. Okay.
They didn't need it because they're so high up, but yet they got flooded.
So how do you, how do you save for that? How do you build a house that's hurricane proof up in the mountains?
Okay, that's, that's something else. Well, anyhow, so much for hurricanes, guys.
The biggest thing that I'm going to leave you with on hurricanes is, is always be prepared. Do you have a to go bag? If you have to leave a to go bag, you might have three days worth of food, maybe some water for you, some vitamins, a medical kit, some change of clothes, maybe maps, maybe your GMRS radio, extra batteries, flashlight, maybe a solar flashlight. You know, you can leave it out during the day and charge it up, use it at night.
Do you have something you could make a shelter with, like the blue tarps? You know, you can buy those at Walmart, better known as Wally World up here in Ohio, or you could go to Costco, or you could go lot of different stores to get those plastic tarps. They're good. I think I own about three of them.
And if I need to put something on the roof, I can protect my roof. Or if I need to make an instant shelter, I can go ahead and do that.
Something to consider. But you have a go bag. Okay.
And you want to stock up on food, canned foods, freeze dried foods, put them in a plastic tote box.
If you have to bug out, you can take them with you. Okay? If not, you can store them. And, you know, I've always said this over the years, and some people don't listen or they say I don't make enough money to do it.
Pay down your debt, put some money aside, buy some long term food, be able to prepare, actually purify water and store it. Okay. Make sure you have your medications that you need, and vitamins are a good thing to have. So you might want to make sure. You have a good bottle of multivitamins handy also, you know, your other medications that you would need the proper clothing for the season.
You don't want to be walking around with a parka and it's only 80 degrees. You know, it gets a little warm in those things. Make sure you have maybe an extra pair of shoes, extra socks and so forth.
In some cases, if you can put a backpack on that's a hundred pounds full of stuff that you need, that's fine. Oh, be able to start a fire.
Do you have matches, waterproof matches, tinder, that thing, stuff like that, you know what I mean?
And you could bug out with that if you have to bug in. You've got your other canned food and your water. Okay. Toilet paper.
Got to remember toilet paper.
Yeah.
Make sure you have stuff. It's called being prepared. If you're not prepared, you're not going to survive. Okay. And the people in North Carolina, if they don't get help soon, they're not going to survive. You're going to talk about thousands and thousands of people dead because of negligence. Either they didn't prep or the federal government didn't come in to help them or wouldn't let people in to help.
Yeah.
Am I picking on the feds? You betcha.
You betcha.
I'm a little bit perturbed, if you know what I mean. Well, hey, let's get on to something else here.
What happens if your check is stolen in the mail?
Have you ever had that happen? A check gets stolen?
Well, it happens. And sometimes you have to say, well, what do I do? Well, I've got that for you, so you might want to listen to this one. What do you do if you check stolen in the mail? There are several things you can do. This was done by Sarah Brady and she was a contributor to Yahoo Finance.
And it said mail theft has been on the rise since the Covid-19 pandemic. And the crime happens in an instant when it involves a stolen check and damages can be long lasting. You know, here in Ohio, they were talking about people breaking into postal drop boxes. They have an arrow key that they use. Now the post office is trying to get all that changed around. Okay, well, how are the checks stolen from the mail? Well, sifting through unlocked mailboxes or picking mail locks. The arrow keys. Breaking into or stealing ups collection boxes, which are notoriously unsecure, attacking postal workers to steal their universal arrow keys which can potentially open even USP's mailboxes.
It's a lock that's given a zip code. Okay.
Or they can buy stolen copies of those keys. Okay. And so what do thieves do with the stolen checks? Check washing. They wash a check with the nail polish remover or other chemicals to remove the ink. Then they dry it, and then they change the payee's name and the dollar amount so they can put their name on it. Change the dollar amount from maybe ten dollars to one thousand dollars or more. Okay.
And that's counterfeiting or check washing, counterfeiting, printing counterfeit checks with the original account and routing number.
Identity theft, stealing the name, address and bank information. You know, there was somebody that was doing that and I received a notice about that, about public data. Well, anyhow, what do you do? You contact your bank right off the bat. You close the account.
You know, work with the bank to move your money to a new checking account with a new account number. And it's going to take some time to do it. Okay, but you want to change it. Change your online banking login credentials and debit card pin and update your automatic payments.
Do I have automatic payments? No, mine are all done by check.
File a postal report, get the postal inspectors involved.
I've actually witnessed somebody stealing the post office inspectors. The postal inspectors came out of the woodwork to nail this person. And he was taken from the bulk mail center in Cincinnati. They waited until he got to a certain area. They jumped out behind special panel doors. They handcuffed him and put him in a police car and took him off to the federal lockup in downtown Cincinnati. It's done very quickly, but they'd been watching them for a week and I was there to watch the thing take place. It was interesting. It really was.
Contact your check verifiers. Okay. Telecheck 1807 109898.
Okay. File a police report.
Search for bad checks and protect your credit profile. You can go to Equifax, Experian or transunion. You protect your banking profile. Contact checks systems and file a security freeze. Secure your mailbox. Make sure that nobody can get in your mailbox other than the mailman. Okay. There's a lot you can do for that. Okay, so that's just a start. There was a thing, and I've got to get this up here because I gotta find that button again. The elusive button. It keeps moving around.
National public data file for bankrupt or for bankruptcy months national public data files for bankruptcy months after data breach involving 3 billion people. It was reported this was on zero hedge and it said data brokerage. National public data has filed for bankruptcy months after admitting that hundreds of millions of people were affected in one of the largest data breaches in history.
According to the register, the bankruptcy petition states the debtor is likely liable through the application of various state laws to notify and pay for credit monitoring for hundreds of millions of potential impacted individuals. A long time ago I got one of those notifications. Luckily nothing happened to my credit.
But all the different credit, whether it's transamerica, equifax or whatever, they were monitoring my accounts and something fishy happened. They locked everything up and then they contacted me and I had to go through a whole bunch of stuff to get it taken care of. Well, anyhow, the register reported that the organization faces over a dozen class action lawsuits due to data loss and potential regulatory challenges from the FTC Federal Trade Commission. In more than 20 us states, however, plaintiffs may struggle to collect damages as Jericho has limited fiscal assets.
Yeah, well guys, that is something you need to do. Protect your credit. That's your big thing is protecting credit.
And that's important. You know, work with your bankers, watch how you do your checks. You know, my checks come in through my mail bills. Basically I pay the checks, but I take them down to the post office and physically put them into the drop box inside the post office.
I like my postal worker. I mean she's fantastic and she always drops the mail off. And I really good worker, super person, really nice. And I write my checks and I hand deliver them to the post office and I go inside the main lobby and there's a drop slot for it and I put my checks in there and I make sure the stamps are on and everything. Okay. But I physically do that because I don't want to put them in the mailbox and somebody could break into my mailbox and take it.
I have to walk about a half a block to a special box where I live. And we've got all the houses with both sides of the block at my end of this long block.
And that's the way that they do the mail.
And I'm tempted just to see if I can have it delivered to the house.
I don't know if that's going to be possible, but you have to watch your data. You have to watch that data out there. Hey, there's one thing.
How many of you take niacin?
I can't see any hands go up. Okay, but how many people take niacin?
Well, something just popped up and you know, I'm not a doctor. I didn't play one in a show or I, how do I want to put it.
I didn't stay in a Holiday Inn express overnight one time and then play a doctor the next day. I've stayed in Holiday Inn expresses before. Nice places, very reasonable. I did that at Ohio University. Well, anyhow, niacin came up and I thought, hey, I better just pass this on. That's all I'm doing is passing this information on. It happened very recently with zero hedge and said niacin, the energizer powering your cells and fighting cancer. I thought, okay, hey, it might help somebody out. Well, it was authored by Sina McCullough.
Nakira Wang was another one via epoch times, okay. And it says, whether it is turning food into fuel, building cells, repairing DNA, detoxifying, recycling nutrients, or defending against oxidative stress, niacin provides the energy to keep it all running smoothly.
How many of you get up in the middle of the night or even during the day and you're just dog tired and you just can't get going?
You know, my one doctor said, oh, it's your thyroid. And so they put me on thyroid meds, which was way too much. Go figure.
So I changed doctors.
I did.
That's just the way I am.
You overdose me on something, guess what? I'll change doctors. I'll get a second or 3rd, 4th, 5th, 6th opinion. But here, here it is about b three niacin.
And I'm thinking maybe I ought to be taking niacin.
You can go to the drugstore and get it. You can go to Myers or Kroger's or Wally world, you know, wherever cv's, and you can get niacin.
But they said about niacin. They said niacin does more than energize your body. It also plays a vital role in a specific function, like supporting skin health and finding that dates all the way back to the discovery of the vitamin itself.
And in the 1910s, doctor Joseph Goldberger, who was a us public health service medical officer, was investigating the mystery of Pellagra. It was a debilitating disease that sweeps like South Carolina and other parts of the world, leaving a trail of several symptoms of rough, scaly skin, digestive issues and mental disturbances and so forth. It has a fatality rate of about 40%, according to the report.
Well, niacin may have a lot of different talents, but a few main ones are highlighted in that report that was on zero hedge. One, it's an energizer. Niacin is the star player in your body's grand energy production team, fats, carbohydrates and special proteins are broken down into energy when you eat, and turning these foods into usable energy is where niacin really shines. Okay. It's a nerve protector.
They said that niacin has shown exciting potential, protecting the nervous system in combating neurological diseases.
And preclinical trials suggest it could be beneficial for conditions like multiple sclerosis, better known as MS, Alzheimer's disease, Parkinson's disease, lateral sclerosis, ALS, or gliobas blastoma. Big words. Oh, big words.
They also suggested it could be a cancer fighter. Niacin enhances DNA repair by maintaining cellular energy levels, preventing ATP depletion, and increasing excision repair, which is essential for reducing cancer risk. In clinical trials, niacin reduced the incidence of skin cancer. And in patients with cancer, higher niacin intake increased the odds of survival.
Niacin has been shown to effectively reduce the incidence of premalignant actinic keratosis by 11%, squamous cell carcinoma by 30%, and basal cell carcinoma by 20%.
Wow.
So niacin, it protects nerves, combating neurological disease, turns food into energy that cells can use, and repairs the DNA. According to the report, they're talking also about beef liver, peanuts, tuna, chicken breast marinara, and a roasted turkey. Okay, that's epic health. And there it is. You can check it out.
Holy cow, guys. That's about it. You know what happens. It's down to the nitty gritty here, and we're gonna have to scoot. Thanks for watching money and change.
Check us out on Facebook. Money and change slice. Financially prepped because we put a lot of postings there. We have a lot of stuff going on this week. In the next couple of weeks, because we're going to be posting things about new hurricanes, being prepared, how to save your money. Okay? So pay down that debt, put some money aside, buy some long term food, prep with your meds, and get ready because it could be a rough one, okay? Not only for the people along the coast, but financially, maybe before and after the election, we don't know. But with that, guys, that's all I've got. Have a good week, and we'll talk to you next week. But check us out on my world on Wednesday, okay? Wednesday at 08:00 p.m. talk to you. Bye.
It's like this, man. You can't put a price on the light.
[01:00:20] Speaker A: Now we do this for the love.
[01:00:21] Speaker B: So we fight and sacrifice every night so we ain't gonna stumble and found that fucked waiting to see the sign of defeat so we gonna keep everyone moving a feet. So bring back the beat and then everyone sing. Not about the money.
[01:00:36] Speaker A: We don't need the money money, we just wanna.
