Credit Card Confusion & The Parenting Balancing Act

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The way that some people like the Gavin Newsom, totally polished politicians do. And remember, as mayor there in Chicago, he had a surge of murders and shootings. They had the deadliest year there in two decades in 2016. He also had that awful handling of the 2014 murder of the black teenager by the white cop that caused issues for him there. But he has captured headlines for going after Trump when it comes to crime and immigration. J.P. J.B. Pritzker is another one whose name has been flitted about in the conversation. But you're right, man. I mean, you highlighted that point really well that it is way too early. It's not too early to start talking about the midterms, though, and things that matter in the midterms. And crime is one of those things. And that whatever matters in the midterms could clearly dictate what goes on two years later. But the House will be back in session today to vote on a spending package that would end our government shutdown. Progressives are now mad that a group of Senate Democrat centrists broke after 41 days to strike a deal with Republicans on this spending package without getting a cemented commitment on extending the health care subsidies from expiring health care subsidies under Obamacare. Polls have continued to show that Republicans are likely taking the blame for this more so than the Democrats, but Republicans have been spinning this as a complete win. Mike Johnson, speaker, said it really was a shutdown about nothing. I mean, what we're voting on is effectively what we offered them several weeks back. And it's funny, I've heard a couple of Republican lawmakers say, we're just going back to September 30th. We didn't, they held out and didn't get anything as a result of it. One of the things that's going to happen is now that the House is going to go back in session, Congresswoman elect Adelita Grijalva out of Arizona. is going to be sworn in today. She hasn't been sworn in because the House hasn't been in session while this government shutdown has been going on. She will be sworn into session today. And she is believed to be the deciding vote when it comes to the forcing of the release of all of the files on Jeffrey Epstein. The Cascade is set to begin tonight. Like I said, she'll be sworn in right before the House votes to end the government shutdown. After that, she says she will affix the 218th and final signature to the discharge petition. That is a bipartisan petition, by the way. Ro Khanna from here in California and Thomas Massie, Republican out of Kentucky, they will, when she signs that. As she says she will, that will force a vote on the full release of the Department of Justice's Epstein files. Coming up next, your chance at $1,000. Also, the type of credit card you use everywhere, coffee shop, what have you.

It could mean a different price you pay. Like that coffee, Kukashi 5 or maybe 510 or maybe 525, depending on what card you use. It's about to get more complicated. We'll tell you what we know when we come back. Gary and Shannon will continue. You're listening to Gary and Shannon on demand from KFI AM 640. At the bottom of the hour, Justin Worsham is going to join us and we'll talk parenting, specifically, you know, what Shaq says to his kids. How many kids? Yeah, four or five. I'm never a fan of taking parenting advice from professional athletes because they don't spend a lot of time for the most part raising the children. That's usually the mother. Um, but I'm, uh, I'm here for it. He has been out of the game for a while. So, um, personal life. Um, Yeah, I'm not sure how many kids he has. I know he's got sons and daughters, but I'm not sure the number specifically. But he's got some interesting differences between the way he would raise sons versus daughters. Interesting. Okay. So anyway, we'll talk about that. Doesn't everybody? Yes. Yes. Well, I mean, I would think if you had multiple kids, you would just have different rules. For everybody. For each children. For each child. Different styles, perhaps. Here's your chance to win $1,000. Now, your chance to win $1,000. Just enter this nationwide keyword on our website. Deposit. That's Deposit. D-E-P-O-S-I-T. Enter it now at K-F-I-A-M-640.com slash cash. Powered by Sweet James Accident Attorneys. If you're hurting an accident, winning is everything. Call the winning attorneys at Sweet James. 1-8-9 million. That's 1-8009 million or Sweetjames.com. Again, the keyword deposit is what goes on the website at an hour from now. another hour. We have another chance for you to win a thousand bucks. Credit cards, they are about to give us a bit more of a headache. There's a settlement between Visa and MasterCard that we may soon become privy to at the checkstand. Merchants, they say, could bring about tiered pricing based on which credit card you use. The agreement that was made allows merchants to apply varying surcharges based on credit card categories. This is not a done deal. It still needs court approval. But it could mean that your coffee could be $5 some days or $5.10 or $5.25, depending on how you pay. I remember an economics teacher in high school who told us if you ever buy something at a local store or whatever, you could always ask for the cash price.

as opposed to the credit price. And that there was a difference because if you were using a credit card, and this was back when, well, in the old days, we didn't carry around debit cards, but that they would give you a discount of a few percentage points if they were a reputable. I remember him telling me that. Never tried it, never believed it. But he was an economics teacher, so everybody just took it as gospel, I guess. But that there has always been sort of baked into the prices, especially lately. in the last, say, 25 years, 20, 25 years, because the use of debit cards and credit cards has become so ubiquitous for daily, everyday, simple transactions like, oh, I don't know, a cup of coffee to, you know, to point out the example that you had. Merchants have always had the right to refuse to do business with a payment network entirely. I don't know why you would not want, I mean, why you would cut off a customer if you said, I'm sorry, we don't accept. what's a third, Discover card or something like. We don't accept that. Oh, you're going to get trouble with Discover. They've paroled a lot of money into their ad campaign about where Discover will get you everywhere. But look at Costco. Costco only accepts Visa credit cards in stores. Oh, is that right? And they used to not accept debit cards. You used to just be credit cards. The current network rules say that if a store accepts one Visa credit card, it has to accept all. Visa credit cards. One of the more likely outcomes now is that you're going to see these fees, small fees if you pay with a credit card instead of cash, and that those tend to apply broadly across credit cards. So a basic no-fills credit card, for example, maybe one that doesn't have extra miles or points or things like that could come with a surcharge of 2.5% of the transaction amount, 3% if you do have one that's got airline miles or rewards or points or something like that. They said that the settlement would require the banks to add clear visual markers to cards to help consumers and merchants determine which category your card falls into. That, however, will take multiple years. And for merchants, they say adding a surcharge obviously would help offset their costs. But again, you run the risk of just turning away people who love their credit card or a specific card that works for them. You start adding to 2.5%, 3%. It may be pennies on the actual transaction, but you give people the impression that you just want to take more money away from them. So it's not going anywhere anytime soon. Have you been to a target lately? Have you used your credit card to target lately? Have you been to Target? Yes. Yes.

I was at Target over the weekend. I've been to Target. I bought one thing. This is a very big deal. I'm surprised we haven't mentioned this yet. I bought one thing at Target over the weekend and I let something go yesterday. What is? Oh, yeah. I'm in a lot of, I'm in a period of growth. This is change. I do not like this. I do not like change. I think we discussed this many, many times. I know. I'm sorry. There's a new policy at Target. for the employees in their red shirts and khaki pants. This new 104 policy requires. Any employee within 10 feet of a customer to smile. No. To make eye contact. To use friendly, approachable, welcoming body language. You know what? It's actually good for you to smile and to do all these things. It's good for you. Forget about the person you're smiling at. It is good for you. It is good for your energy to greet people with a smile and all of the things that they want people to do. I just don't think it should be mandated. It's like when the government tells you to do something. It's like, okay, even if I agree with you, I should do that. You telling me to do that makes me not want to do it. Listen, we've talked about socialism before, right? And obviously that's getting a new heyday with Zohran Mamdani and maybe this new mayor in Seattle. I believe in socialism, but voluntary socialism. I believe that we should be generous. We should gift. If we have been blessed with extra, we should give it away. Right. But the government telling me to do that is a very different thing. Jesus telling me to do it is fine. The government, different ballgame. So there's a two part of this policy. The 10 foot part, of course, is if you're within 10 feet of a customer, smile, eye contact, good body language. If you're within four feet of a customer, You must greet them. You have to grab them on the ass. You must smile. You got to grab a handful of something. You must initiate a warm, helpful interaction. The smile from 10 feet lets you know it's coming up at 4 feet. Right. And when my hands come up like this, when I get T-Rex arms, you know I'm coming in for the good stuff. The thing is, it's like I'm going to so do that. Like the next time I'm at Target and I see this going on. I'm like, you're going to, you don't need to do it. You don't need to do it. I don't need the fluffing. We don't need that. Just hold up a card. If you don't want to smile at me, do not. It's cool. I read the story.

I know you're just doing it because you've been told to. You've been mandated. There's one hardware store that I like to go to because it's small. It's not the big one. And you cannot walk in four inches into the door without somebody asking if you need help. Do you know what I love about hardware stores? The smell. The smell of the fertilizer. No. I love that there's a... a hardware store in my hometown that never changed. It's in the same place on Grant Avenue. And it's, it's nice. Because to your point, I like things that don't change. The other thing is, is I love coming up with a name for a hardware store. Nuts and bolts. You know, like there's just so many, you know, got wood. You know what I mean? Like, there's so many things you could come up with for a hardware store. You know what I mean? It's fun. It's a fun exercise. Anyway, Gary and Shannon will continue. I need a hobby. Maybe I should go get a project at said hardware soar. You're listening to Gary and Shannon on demand from KFI AM 640. The reminder, we're going to be out at Luchador Brewing Company. This Friday will be out there in Chino Hills to help kick off their hops in the hills event. Oh, yes, they have reminded us. It is rain or shine. Not just our event because there's going to be indoors, obviously, but the outdoors, the hops in the hills event. Rain or shine, if you do go out on Saturday, they do have free parkas that they're going to have. Yes. They don't know the percentage per chance for rain. Parka or poncho? If you need a parco, poncho is probably a better work. If you need a poncho, come on. Let's pull up our pants here. Oh, right? Well, some people don't. What are we doing? I wish the listeners could see the look on your face, because at least for me, the look on your face was like, you came in very aggressive with that. Yeah, and then you looked around like, wait, am I right? Is there some, am I being tone deaf to some situation? Pull up your pants, take off the bra and be a man. Yeah, I mean, what are we doing? We're at a beer festival, a little. couple drops of rain from the sky. I'm not, I'm just saying they have free ponchos available. I'm sorry. If you're a pansy. I forgot to add that part of it. Oh, there it is. Oh, thank you. I can also de-escalate, which makes no sense. We'll be out there on Friday. The hops of the Hills event is going to be on Saturday, but we do have tickets that we're going to be giving away on Friday. So we'd love to see you out there. Chino Hills, Luchador Brewing Company Friday at 9 a.m. Justin Worsham is with us. of the dad podcast. Today we're going to be talking about Shaquille O'Neal and his different rules for girls versus his rules for boys under his room. He tells his sons, yeah. How many kids he's got? Oh, no, I didn't look into that. I did because we, I don't know how many kids he's got. He's got at least six and a stepson. So he sometimes refers to having six or seven kids depending on the context.

Yeah. So, and I don't know the breakdown gender-wise, but multiples of each. We do know that. Here's what's shocking that I think about that is that he was born in Newark, New Jersey. Like this to me seems like a very southern thing. Yes. Well, I believe he grew, I mean, born in New Jersey, but I think he spent most of his childhood in, in. the south somewhere. Okay. So what do you mean? This thing seems like a son. What does he do? He's saying that, thank you, Shannon. He's saying that if you were a boy at 18 years of age, you've got to get up out his house. But if you are a daughter, you could stay there as long as your heart desires and he will subsidize your education as much as you want because he feels he believes in traditional gender roles and that as a man, it is your job to protect and take care of your woman. And it's very interesting because personally, right, I like this. And what it made me think of is that people, at least in my social groups, tend to get very up in arms about traditional gender roles and how it has some kind of a negative impact on society at large. And that somehow it's also damaging to women, I think in particular. And I don't know, you tell me if you think I'm wrong. I'll tell you, like my wife. would love nothing more than for me to make enough of a living where she didn't have to do anything and I could completely take care of her. Like I'm sure that and that's how she's wired. But it's interesting that we seem to have this expectation, in my opinion, culturally, to be sensitive to people's religious beliefs. But in regard to like gender roles, we cannot. Like if you expect a woman to be somebody who's like, you're going to stay and take care of house things and kid things and I'm going to take care of money things. that seems to be that now you are subjecting that woman to a life that she does not want, even if arguably, like, again, my wife would sign up. She would probably leave me. Even if it's better. She could. If she could. I mean, she could. She absolutely could. She absolutely could. It's funny. I didn't think of it that way just in terms of there are people who choose to live. A, I mean, finger quotes, traditional lifestyle. Right, but look how uncomfortable we are just saying it. But then they choose to live that way. It's not like it's imposed upon them. Or they get married and then all of the sudden the rules then emerge like, oh, no, no, I'm sorry, you do not get to have a job. You do not get to do things other than kick them shoes off, get fat, get in that kitchen kind of thing. Serve me. Right. It's never how it goes, at least in the ones I've seen. That may have been in TV shows from 50 years ago, but that does not exist. No. Like even in my situation, my wife has no idea what's going on with her finances. I make all the decisions. I run stuff by her, but she definitely doesn't want to know. She doesn't want to be involved. But the way I process that is that mean that I just have to be aware of what she wants and make sure she gets it as much as I humanly can. She gets far more of what she wants than I do. And so I don't, I don't think, I don't mean, am I accidentally slipping this? I'm kind of like couples therapy. I don't know where this is. Oh, crap. I hate it when I step in stuff here. I'm staying out of it. Smart. Gary's like, I wish I could. You guys were just to leave and I'll just sit here, talk to the listeners myself, let them hear my worship family Christmas card. And I don't want to be cut off that list.

But the difference, but it is different. I mean, the prospect for women now is vastly different than it was even 30 years ago, whatever, when we were going to. My old mom felt like she could not go get a career. She felt like her job was to just take care of a family. You could be a nurse or a teacher, you know, kind of a thing. Those were the two avenues. Yeah. And now, I mean, my daughter is studying. Stuff I don't even know how to describe. She won the Nobel Prize. In terms of chemistry and physical, not physical, organic chemistry specifically. I don't get it. I don't understand it. I would never. But see, in your mom's day and age, she would, your daughter's what, 23? She'd be married and having kids and there would be no time for the lab. That's right. You're right. My mom was married by the time she was 19. The time change tables have changed. So what does that mean, right? So women now are going to do all the things because we've been shown it can be done. You can't have a career. You can't have kids. You can do all the things. It's just you've got to move the slide moves. So you're going to be doing, you're going to be focused on your career until you're 30. And then you're going to make kids and get married and everything just gets shifted. And that's why people are having babies later, right? Because of women and their decision to work and not to jump into that traditional lifestyle right away. They can still do it. I think there's a lot of women that want both. They want to have the career. And then they want to be able to stay home, take care of their kids and have their husband take care of things when it's his time to take care of everything. Yeah. And what's interesting to me is also like. how long it's taken for the pendulum to kind of shift because for years I've been coming in or talking about how, yes, it's a growing population of stay-at-home dads or dads that are helping out more. But across the board, dads are not doing enough in the home. They're not doing enough of the cleaning and the cooking and the taking care of the kids, right? Like you can't just have that traditional role as a dad anymore. where you just like, I go make money, I come home, I drink my Tom Susan Collins, and then the kids prepare their speeches of what their day was like, it's leave it to beaver. I think people still do that. You think so? Yeah. I used to drink Susan Collins mix. Just clean, just Susan Collins. I love to vodka Susan Collins. That was a good drink. We'll come back. What happened? What happened? Where do we go? We're drinking now. You're listening to Gary and Shannon on demand from KFI AM 640. At the top of the hour, we're going to get into our trending stories. Do not forget, today is Wednesday. So it's what you watch on Wednesday. A couple of stories of some shows that are coming up. One that Shannon said, she knows the whole story, but still can't tear herself away from the documentary. So let us know what you're watching. Leave us a talk back message on the IHeart app by hitting that little button. And it's got a little microphone on it. It leaves us a message. Justin Warsham has joined us. We talk about parenting stuff with Justin. Speaking of a combination, watch this connection. Oh. What you're watching Wednesday, we're going to talk about Toy Story 5. Have you seen this trailer yet? I've not. All the toys are terrified because the kid gets...

A tablet. Oh. I love it. I love the, I mean, it's probably about 10, 15 years too late, but I love the story and I love the idea of it. That's great. The idea of reducing screen time for kids is something that we've advocated for for years on this show. At the beginning, it was simply because kids were rude in restaurants. I mean, if you go to a restaurant and a kid's on a tablet, it's always way too loud. Or you're robbing the kid of the ability to understand social cues about when to pipe down, when to speak up, when to be heard from, and when to just be cute. And there are parents now trying to reduce their kid's screen time. Yeah, and my issue with it is using it as a pacifier. The bigger, to me, this is me interpreting what I've talked to in experts and seen in research is that the population of children is growing with an inability to deal with negative experiences because they've always got something to distract them. And this is, I hope I pronounce his name correctly, Jason Nagata. He's an associate professor of pediatrics at the University of California, San Francisco. And he was talking about the American Academy of Pediatrics recommends that parents create a family media use plan, which is very much like a technology contract, I would imagine. And what they talk about, there's this family that he talks about that what they did was they noticed their kids were using it a lot. And so I like the way they sat down with them and all of the experts I've ever talked to would agree with this. They said, hey, we have learned something that you using this tablet so much is not a good thing for you. So we're going to, we have to rein this back. And what I like about that is it's not like parents coming in having to say like we are. We are saying this is not okay. Because that implies, I think, to a kid, you have done something wrong as a child, which is not the message. I like that they're kind of owning up, like, this is how you handle things when you find that you have a misunderstanding about them. And then they say wean them off of. And there was resistance. But eventually, life in general just improved when they had less of this distraction. I guess it would be similar to telling a kid, hey, I know I've been feeding you. uh you who for the last uh you know every night for the last four weeks and i realize that's not good for you yeah because you can't you can't sleep and your guts don't work no more or whatever happens to a kid who has four weeks worth of uh but i The idea of, what do you call it, of logically explaining something to kids like this is a little bit lost on me. Oh, really? Well, only because I guess it would depend on the age and what level they are in terms of their comprehension of that. But it is something to say, hey,

I mean, the idea that you would scold them without really an explanation would probably be detrimental. Well, I think coming in and saying, you are on your screen too much, so we have to minimize that. Right. I think, like, I'm also even looking at it. My older son especially has started to like, moments where I've had a shorter fuse. He calls me on it, like holds up a mirror to him. He's like, damn, but everything okay? Like, you good? And I don't like it. I'll be honest. I do not like it. Nobody likes being called out like that. I prefer the much more compliant four-year-old version of him. Right. The smaller. I have enough introspection going on in my life. I think we all can agree. I don't need him piling it on, okay, guy. But, but yeah, it's talking to them and saying, like, this is, we have to change this and we have to do it better because, and. I talk about it all the time on here is that, you know, the more kids use social media, the more likely they are to become depressed. The thing I want to add to that is that I just, I think that as parents, and I would lump myself into this, I think I've started to be guilty of this, but don't notice any time where I've gone all the way through where you see something like this and mean and say and interpret it to mean, no social media whatsoever. You can never use a tablet. And that's not the message either. What we're really talking about in all things is moderation. Right? Like, and you have to look at your kid and what they can and can't handle. But it's hard when the companies are wired to get your kid addicted. The whole thing is wired. Yeah. Yeah. It's almost, uh, think of alcohol this way where there are certain advertisements about alcohol that make it sound fun and it's exciting and there's always pool parties and beer is great for you and all that sort of. You just went hiking. Here's a Michelob Ultra. But there has to be an aspect of it as you as an adult of somebody who's going to do this, which in this case is drink beer, you have to know that the negative, what the negatives are that would be associated with it. You have to be fully informed about it so that you can make that decision. Kids, I don't think, are fully informed about if I'm on my screen, whatever kind of screen it is, for seven hours a day. If that's the thing that is taking up most of my time, I don't have any ability to learn about the potential negatives of it. Because all my time is sucked into this one thing. And I think. I think the people who get really hard up about technology and screen time also seem to not have a different approach when it comes to, like, nutrition, right? They talk about moderation for sweets, but they don't, you know what I mean? Like, they feel like they, and I don't know, because here, to your point, Shannon. Do you think that when you become a certain age, you suddenly have the ability to, like, develop the discipline that you needed? Are you, right? Because what I learned in my two kids, my two kids, one kid for a moment in his life, he felt like Instagram was a distraction. So he just deleted off his phone. I didn't even know he did it. He didn't make a proclamation that he did it. He didn't do anything like that. But my younger son, it.

Like you, he's different. You have to regulate those things for him. And I've learned that because I've never regulated screen time because I hope that it would teach them the self-discipline, that they would start to see the pitfalls. And he has. My younger son, his grades have fallen because he prioritized playing video games. And now I take the video games away. And he's getting his grades better. But he asked me just this week. He was like, I've made the effort. Can I now have games back? And I was like, no. And I'm sorry, but that's not how life works. I love that argument. I've made the effort. And that's very much as mother, as much as I love her. Well, and that goes full circle to treating your kids, you know, different kids receive different treatment. That's exactly what Shaq taught us. Yeah. What would Shaq to? What would Shaq do? Oh, I'd be such a better parent if I was seven feet tall. And a billionaire. Right, there's that. You've been listening to The Gary and Shannon Show. You can always hear us live on KFI AM 6.40, 9 a.m. to 1 p.m. every Monday through Friday. And any time on demand on the IHeart Radio Lab.

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