Breaking Down the Deportation of Salah Sarsour: A Community's Reaction

Good morning. Good morning. I'd like to welcome everyone to Community Voice. This is Keith Pierce's program. He will be joining you in just a bit. But I have the opportunity to sit in for my colleague. And again, welcome you to the program. Let me say good morning to the brothers that helped make it go. What's happening, Mr. Roddow? What's happening, Mr. Clark? How y'all doing this morning?

We singing it now? That's where everybody has been saying the Christmas stuff next to the Halloween stuff in the store. Somebody literally called me and was like,

You need to talk about this. This doesn't make no sense. These people got Christmas stuff for Halloween stuff together. I was like, ma'am, that's not what my show is about.

But since I'm on key show where they talk about everything and nothing I guess I could talk about it, but well, thank you bros Thank you Clark for the singing and thank you Jermaine. Thank you Jermaine for what is it? So let me do this real quickly because there was just a audible gasp in the studio as we are watching news unfold So there has been a case

that has been playing out regarding the leader of the Islamic Society of Milwaukee, Salah Sassour, and there was an effort to have him deported.

And we have now just gotten notification that an immigration judge has ruled that they have the ability to deport him. And this is the backstory for folks that are not familiar. So the question that was being raised, the US can deport the Palestinian board and leader of the Wisconsin of Wisconsin's largest mosque on the grounds that he is a foreign.

policy threat and immigration judge ruled today that and rejecting allegations that he lied on his green card application. So he said, I reject those claims about him lying on his application. But because of stuff that he said 30 years ago.

This man has lived his life with no problem, you know, quite frankly, admirably in a lot of circles, but they're saying that he is a policy threat. So, Salah Salsor.

And I maybe said his last incorrectly. So I apologize. Was detained in Milwaukee in March by ICE. A federal judge ordered his release in June, saying he raised a substantial claim that the Trump administration was targeting him for speaking out against Israel and advocating for Palestinian rights. Sassar said in a statement that the ruling was deeply disappointing, but that he intends to appeal it. This is in connection to this morning. I will continue. I will fight.

I'm sorry, I will continue fighting to defend the right to free speech and to stay in the country I have called home for more than three decades. The government says Saasor's decades old terrorism convictions in Israel make him a threat to national security in the U.S. and accuse him of lying about it on his green card application. Immigration judge Jamie Salinardi agreed but tossed out the claim that he lied.

Sausal, who was born in the Israeli occupied West Bank, was imprisoned in Israel in 1988 after confessing to throwing a Molotov cocktail and stones, a Molotov cocktail and stones at Israeli military personnel. In 1995, he was convicted of attempting to hold weapons and ammunition.

Sarsar denies committing those crimes. His attorney says he was tortured and coerced into confessing in both instances. He does not have a criminal record in the United States where he has lived since 1993. His attorney says the US government has known about his conventions in Israel since he arrived. He's the president of the Islamic Society of Milwaukee being sent back to the West Bank.

quote, means the end of my life is what he told the Associated Press in an interview yesterday. One of his attorneys told the AP that his earlier treatment by Israeli authorities is, quote, probably a good indicator of what awaits him if he is deported. He said he's been unfairly targeted. He can be, his lawyer was basically saying if he can be deported for a speech in support of Palestinian rights, anyone can face the same fate.

Secretary Mark Rubio issued a rare memo on June 25, saying Sarsaw could be deported on the same grounds as Mohamed Khalil and Mohsan Maudawi, both advocates for Palestinian rights whom the Trump administration has tried to expel.

before the judges ruling, they said that Sarsar would fight his removal and would likely need to demonstrate that he would face torture by Israel if he were deported. So this was breaking news. The story goes on, you know, it's considerably longer and in lengthy, but just understand this. This man has lived in this country for 30 years, has never in any way

run afoul of the law, had any problems in terms of the US legal system, and they can't trace him to anything on toward or out of order that has gone on in Israel. Respected member of the community. And now they're saying his policy views means that he is a threat to the United States. This is a bunch of BS.

Real simple, real playing. This is a bunch of BS and it is an effort to stop anybody go back to Macklemore at the concert saying free Palestine. There's an NFL player I hadn't talked about yet who had been wearing the black mark under his eyes and in those blacks that with the strips. He had written the names of some of the school children.

that had been killed when the bombing happened that the US is responsible for. And he had listed the names of other Palestinians who had been killed. And the NFL has told him that he can't write those people's names on his face. It's his face. So you don't police tattoos. You don't police, you know, all kinds of crap that people put on a body.

But you're gonna police what I write on my my my black strip on my face. Help me understand that You don't you're on my body So and and it's a name, you know, it's not like it's Adolf Hitler It's a name And I gotta look up that player's name who's been doing that because I think he has a Not a Palestinian background, but

He's a brother, but he got he's Muslim. Yeah, he's most. I think he's Muslim. But yeah, you want to say something? Yeah, I was going to say. This whole thing is crazy because it seems like that that the United States has been ran by Israel. It's been like that for a long time. It's a no scene. Like again, Wisconsin, the Holocaust, mandate, mandated education.

for children in Milwaukee public schools, in Wisconsin state schools, they are required by state law to learn about the Holocaust. But you're not required by state law to learn about the damn stuff that the U.S. did, which was slavery. You're not required by law to learn that. But you're required by law to learn about the Holocaust, which did not happen in this country. So go ahead. And what's so crazy is because I've I've been noticing since this whole Macklemore situation.

that if you say anything against Israel It's a whole issue and they try to use the whole biblical principle of Stand with Israel because Israel you know that whole biblical thing of Israel But what people don't understand is the Israel today is not the Israel of the Bible and

And the land that they, you know, are fighting over, it's like, y'all, it's a real story there. And, you know, so and just being fair and decent to people, like I said, every since the God awful attack that I think what 1200 people ended up being either killed or or harmed in that attack on Israel for the concert goers and that thing. You know, you have now completely leveled God. That Palestinian strip is gone.

Yeah, you've torn up everything that these people own and many of them that you admit didn't have anything to do with the attack. And so here we are again, in which, you know, you can't say we've seen this at universities, people losing their jobs because you didn't do enough to protect, you know, Jewish students, you didn't do enough. You didn't say enough, you know, but like no other group gets this treatment.

There's no other group in America that gets this treatment that if you breathe and say something about Jewish people, you could lose everything. Nobody else. What do I mean? Classic case. I said to the brother who had called my show before it ended that I will take a second and talk about this. And let me just find where is it.

Whatever special kind of brain worms have established themselves in Elon Musk noggin appear to be spreading throughout his companies. In the midst of a state trial on behalf of over 6,000 black workers at Tesla's flagship factory in Fremont, California, attorneys for Musk electric vehicle argued that it is acceptable. They argued that it is acceptable

to use the N word in certain situations, insisting that it is quote a term of respect and endearment in the Black community. Sure, it's true that many Black people have reclaimed the word, but the lawsuit is about non-Black people, non-Black Tesla employees and managers abusing Black workers, including allegedly hurling the slur at them in ways that don't sound anything

resembling gestures of respect and endearment. On top of that, the first witness called to the stand testified to the court that senior counsel for Tesla had tried to mislead him days before the trial by claiming to represent the state rather than the company. Prosecutors alleged four more potential witnesses were approached by Tesla's lawyers prior to the case who have since fallen off

our state's attorney's radar following possible deals, threats, or persuasion by the company's counsel. The jaw-dropping gaffes emerged the first day of a major bench trial being prosecuted by the state of California over an alleged pattern of rampant racism and negligence in Tesla's massive production facility. Black Tesla workers at the facility were subjected to racial prejudice by a wage discrimination, segregation,

and racial slurs. According to the numerous complaints filed by workers, plant management routinely used the word nigger and referred to the rank and file as slaves. The horrifying pattern of rhetoric earned the facility a reputation as plantation among workers. On top of that, the company, I mean, they reported racist graffiti and swastikas regularly appearing

appearing in high traffic areas, which Tesla management simply ignored. The trial is expected to run all the way through the month of October because it's prosecuted by the state itself rather than by traditional class action. There's no limit to the damages Tesla could be liable for if the state wins. Now, where is the hue and the outcry? So you got black people over 6,000 that are part of this complaint.

that are saying that regularly at the workplace, they are called niggas and call slaves by the white management staff that work for Elon Musk, the racist from South Africa, who coincidentally uses the doge nonsense to go in and to help nearly 300,000 black women lose their federal jobs as they are purging for efficiency. And then,

helping to bring white South Africaners to the US by passing the traditional immigration system, giving them preferential treatment, money, housing, because they are being mistreated by the black South Africaners back in their home country. So they get to come in. Black South Africaners are being expelled from the country or not allowed to come in. So this racist runs this plan.

And you got all these black folks working here. And you are openly hearing and knowing that people are being called niggas and slaves. And then to that earlier conversation that I was having on my show with Jermaine about what people are willing to take and tolerate because you're desperate, because you need money, because the jobs in your area are so few. And what did Jermaine say? I starve you and then you happy when I give you crumbs.

So you got because why would I go to work every day as a black person in an environment where people are being called niggas by white management and slaves? Under no circumstances. Oh wait, I'm hungry and I need to feed my child and this is one of the few jobs in town that actually kind of paid decent even though wage discrimination is being alleged by this group of folks, but where's a human outcry? Who losing a job?

Where's the congressional hearings? Where are the CNN talkers and squawkers and the Fox News pundits talking about how these black folks are being treated? But if you breathe boo and say something about a Jewish person, you're going to lose everything you got. Everything.

Let me go to the fall line and just to remind people you are listening to community voice with Keith Paris. Mr. Paris is in the studio. He is taking care of something as soon as he is able. He will join his show. So nope, I'm not doing the whole show. Just holding it down for him until he's able to join you. Let me go to the fall line. Hey, caller. What's happening? Hey, good morning sister. Good morning, JT. How you doing this morning? I'm doing quite well. Thank you and yourself.

I have to choke up in here, but other than that, I'm all right. And good morning to my brothers in the studio. Say Tizzle. Good morning, gentlemen. How you doing? And Michelle. Yes. I'm doing OK, excuse me. Michelle, quickly, what I'd like to say, I was trying to get into your show earlier, but obviously, your show's on fire, so it's kind of difficult, OK? Well, I'm glad you got in here.

Yeah, I just want to make it quick because I don't show no disrespect to Mr. Keith Parrots, okay? I appreciate you being there and respect to Mr. Keith Parrots. Yes. So Michelle, if you can, can you tag this for me? Okay. Well, I'm talking about, I saw an article from Mississippi Crayon Ledger, which was part of USA Today Network. And what they was talking about Sunday was the second arrest made in the hanging depth, what they were referring to was mission.

He said he made a couple of male arrests and he said it was a black man, but the black man said he didn't have anything to do with it. So he had obtained a lawyer trying to fight his accusation of having participated in her hanging bill. But the people in Mississippi, especially in Mississippi where you had mentioned earlier, where there had been a lot of current.

of people being hung in Mississippi. And I'm going to skip to it real quick, because I hope you can tag this tomorrow for me when you come out tomorrow morning, because I'm going to be at the Bay Hospital. That's why I wanted to do it right now, because I'm going to be at the Bay Hospital tomorrow morning. OK, but one other thing I noticed, though, that because all that was going on with the hanging in Mississippi, you had the Black Baptist Party showed up there, and you had the Fred Hampton

gun club that showed us there. Now, while automation stuff like that, they don't like the idea of a group of black people walking around with one of the automation. There's a group of black people walking around with AK. You know, it kind of stuff. And they's going to the sheriff department there in Jackson, Mississippi, complaining about that. And the sheriff said that, well, I'm not going to...

You know, go after one group and treat them differently. Well, I do another group that walk around with guns and stuff like that. As long as you're black pan of party and the third half of the new gun truck obeying the law and the Mississippi, you can't carry your weapons. Okay. You can't carry your weapons if you have a carry weapon. So she said, I'm not going to treat nobody differently as long as they obey the law and stuff. Don't get all tripped out because you see a.

a group of black people walking around with a case because people are being hung and it's not necessary because they're committing suicide. So people, everybody that knows how black people don't go around committing suicide just by hanging themselves, they're not begottable. So Michelle, I'm going to leave it right there. And if I hope you can tag that for me. And maybe tomorrow morning, I'll try to be listening at the beauty hospital. And you can go further with that. All right.

You gotta open a little bit more in your plate that you didn't need. Nope, that's all right. We can have it. Thank you, JT. Appreciate that call. All right. No problem. No problem. All right. So, and in fact, I've been waiting on the story regarding Tasia Fortune because I had saw the arrest that were taking place and there is a third individual that has been arrested.

There are some interesting comments from Teja's mom, Ms. Fivee, who talks about one of the men who was arrested and taken into custody, who she said he actually came up and gave her a hug and when he came to turn himself in. And I'm trying to see what I read that. Teja's mom said that one of the gentlemen that

turned himself in, he approached her at the courthouse last week, hugged her following a hearing for co-defendants, Jacquees Ratcliffe, Ratliffe, and she said, quote, he never said he did it, but he said he was there to turn himself in for murder. So, when we're saying we don't know if they did it or not, the lady said,

This brother that one of the brothers that's a part of this three and they said there may be more rest to come He never he hugged her and he said he was there to tell turn himself in for murder He never told her I'm here to turn myself in for your daughter's murder so I'm still waiting because I Share people's concern that some of this may just be a setup as we are looking to you know try to

get this off the books. We don't want to perpetuate this whole idea of lynches happening to black people in Mississippi, potentially at the hands of white folks, who did it, da, da, da, da, da. I think it's a big much because they said it was a drug deal going wrong. And I'm like, say more, because how is this once this involved in some drug deal that go wrong with these three brothers? And they don't just kill it and just leave her.

We gonna go to you gonna go through more trouble to hang this child and leave her body exposed in a public place where you got a better chance of being seen Stringing her up stage in the scene like that just seems like a bit of a stretch I just shoot this girl walk away in the story Why am I going to all of this trouble to make it look like it was a lynching? So that's why I haven't really talked about it yet because I've been waiting for more pieces to fall but

You want to say something? Yeah, sir Coming from a former criminal There's no way on God's greener and I can say this with a hundred and ninety nine percent validation If it's a drug deal that went wrong

9.7 9.8 say 9.9 out of the time. It's gonna be gun violence and we're gonna leave you there, right? We're not gonna take your body Somewhere put a string around your neck string you up and then come on and it's a woman too. So listen to what I'm saying. Yeah, listen to what I'm saying Now of course, I don't operate in that vein anymore, but I still

battle these demons. And when you commit a crime, you trying to get out because you don't want to get caught. Exactly. So you're not going to put fingerprints. You're not going to leave. Look, Cardi B says it. And she say it all the time. No face, no case. So that means I'm not leaving the print of nothing. And then the more you do, the more likelihood you have of messing up.

You know so now where I get the rope from that's all you know who saw me transport the body All these different things what else that they use the stage to see like you got it you doing too much Nobody is doing all of that to cover up this murder if I don't give it you're not doing all that to cover up a drug deal I didn't care enough about your life just to go off you. I'm not getting ready to go all out my way I mean, it's a level of work. That's required that the average cat is not doing

They're not doing it. You're the long three people. Yeah, man, we gonna stage it to make it look like it's a lynching. So the police won't be looking for us. What's that playing? So I understand the concern that JT has raised. And like I said, you know, I've been kind of waiting on some of these cases to come out so you can have more conversation about them. But it is not one that settling, you know, well, oh, and I wanted to mention this because I forgot today, today, today.

They are having what they're calling a black out for Nolan Wells. I see Tulsa West walked out. Tulsa West students walked out. Um, it was tearing them off. Uh, but I think that they walked out early. It wasn't recent. They had done it before. So if they did yesterday, there's a second time because they had done it before.

So there is something being called a blackout for Nolan Wells. It says this Wednesday, September 30th, we are asking our community to go black for Nolan Wells. Change your profile picture. Share his name. Let his face fill our timelines. This blackout is not silence. It is remembrance. It is solidarity. It is a community standing together and saying that Nolan Wells simply

Nolan Wells will not simply become another name. We will scroll past and forget. Behind the darkness is his face. Behind his name is his life. Behind this movement is a community that cares. One community, one voice, one name for Nolan, for his family, for everyone whose heart has been touched by his life. Blackout for Nolan Wells. So they are literally asking people, change your profile pic to Nolan's profile pic on Facebook.

to, you know, put his picture on your timeline. And I'm going to tell people, I hear you. I support it. I will change mine at some point today for this young brother. But Al Sharpton talks about this. Ben Crump talks about it. A couple of the folks talk about this. That we have to be more than social media activists.

you know, there will be people that will change their profile pic to Nolan's face and they'll make a couple of comments and put up the mighty fist little emoji and you know, you feel like, hey, I did my thing. I did my part. This is also about changing policy and legislation. This is about helping like a Colin Kaepernick did to fund all the independent autopsies. This is about

paying attention to what else is going on with this case and supporting his family where possible and other families like it. If you don't do it for Nolan, we got enough cases in Milwaukee where things have been questionable or going on that we can pay attention to and we can do it in honor of Nolan. But y'all, social media is nowhere near enough for what's needed to change what we are seeing. To change that, you know,

You still got all these questions after this young brother dies. So was there water in his lungs or not to support the concept that he drowned? Was he dead before he hit the water? Can we explain the bruises on the back of his head and neck? And what did they look like they were caused by? A fall, some rocks, blunt force trauma? But like, what happened? And the water was relatively shallow.

His mom said Nolan was an excellent swimmer. So I'm planning to stay back, but I don't take my cell phone in my car keys And y'all didn't readily right away say oh we got a cell phone in his car keys Mom never had to pull up the where's my phone app and figure out where the phone was So there are things about this that still don't add up or make sense, but y'all

It's not enough to do the social media part of this. There's got to be boots on the ground work to prevent another Nolan Wells situation from being thoroughly investigated and seeing what's happening. With that, let me take my first break and we'll be right back.

All right. Hello, everyone. This is Michelle Bryant. I am temporarily sitting in for Keith Perez, who is in the building, but he will be joining you in just a little bit. But right now, I'm holding it down until he pulls up to the mic. We got a couple of callers, so let's get them in real quick. Hey, caller, what's happening? Good morning, Michelle. Hey, so, Lisa, how you doing this morning? I'm doing well. Can I add to that?

I said thank you because I heard what she said. Anyway, I wanted to thank you in such a number of ways because before I got homeless a couple times before me and Keion came to my house and I had to follow my job and my money had went to my rent. I didn't have nothing. I called the show. You were behind your main reason at that time, I believe. And I came up there.

You helped me, you know, even though you had been to my place or whatever, but you didn't know me. And I got insulted when I came back up there because I said to follow in line, I should be having my own clinic and working on comp. You were in the team, I was packing the vans and doing everything and sorting stuff for the Haiti flood relief. Because I remember that like it was yesterday.

And I was like, well, you was like, I gave you that to help you. And you weren't taking it. I said, well, OK, well, if you ain't going to take it, then I'm going to donate it towards what you are doing right now. And you was like, no, you don't go on and get yourself away from here. We busy. And you had to be pulling out. I'll never forget that. And I was like, she's making me sick. And then there was another time you helped me.

I was like, can I come to the station? So I call myself having something real decent. And I hope you still use it, because I don't even know where I had bought it. But I say, you use it for your luggage. You're like, no, I don't want that. I don't want that. And just here, you know, and we sent it out to about somebody. I think it was about Dubo. And I was like trying to get in the studio. We said to give you the

that Calvin Klein first, and he's like, yeah, it's nice, but I don't want it. But anyway, and I just wanted to tell you thank you. And then in that first letter you got, I ain't trying to bring it, you know, but that was my Juneteenth money. But I needed to do that because for the simple fact, people took care of my children. And another thing, childhood traumas do hold you hostage because you never know where a person

Because they've held me hostage all my life. So things that I went through growing up, they've held me hostage all my life. But for the last five months, I was here five months at St. Catherine's yesterday. I had to worry about, you know, the expenses of rent and, you know, this and that. I've been cutting down on bills.

And I don't think I should be able to have to ask anybody for anything this month, but I'm cutting down one of the credit cards I did with ENGIE's last month. Because you never know when you will be able to have to use something, you know what I'm saying? And you blessed me when I moved here. You was like, well, what are you going to sleep on? And I was telling you I didn't need anything, and I did need something.

And you brought me the comfort as girl is so beautiful and comfortable. But I've always, you know, followed you and to hear you, you know, and it took me a long time to get to the point to be able to stand something every now and then. You know what I'm saying? And I really just, really, really, really appreciate you. And another thing too with Ken, that gas station, remember he used to go to that gas station every morning to get his coffee.

Right. And you should ask him about, why'd you go way over there? And he said, because it was only black gas station. I'm going to ask him. Yeah. All right. Let me let you go. I love you so much. Thank you. So Lisa, I appreciate you. I love you. Love you back sis. All right, family. So my man has entered the building. He is here and able to take the reins of his own house. He's going to keep there. So how you doing there, sir?

I'm good. Do you come here with this attitude? Oh my god. I'm good. What is all of these? Smirch my name. Smirch your name. I talked about you. You called me a company man. You call yourself a company. I don't call myself a company man. Keon used to call me a company man.

And you never said that. I pushed. No. You push back. I worked for somebody. Did you push back? It's like I told you yesterday, like, see, you down there listening to those Negro spirituals and see, you thought she was free. Right. She she came back. Fine up, you know, whatever. Whatever. I already had it in me.

just stoke those little embers. But what did my papa say to you last night? She said it was great to talk to me. That's what she did say. That's what she did say. You act like she said something else when she hung up. Miss Cliffy, Miss Cliffy sound good that way. Wait till you see her. How old is my? 92. 92. Just her. She sounds strong and amazing when I talk to her.

Well, let me get out of your way. Nope. Do I have to be of assistance? I just had a conference called 500 people on it talking about the changes to Medicaid. Is this what's supposed to go into effect October 1st? October 1st, January 1st, work requirements, all those things that will impact. And they talked about the number of uninsured people we have, people who are going to lose their health insurance because the subsidies are going away, the ACA.

Because so and you know the Republicans did it by design where a lot of these changes would not kick in until 2020 election after the election, but It is Wow, so it's coming. Yeah You think about this and then Jay unplugged this for me. Yeah Certain immigrant groups will not even be eligible for the subsidies

What do you mean certain immigrant group so like and what subsidies are we talking food here? We're talking about ACA. Yeah, the ACA where you can go in and you get those premiums They won't even be like when we say immigrants are we talking about like DACA people people that are here legally? But DACA people are impacted by it But there's something about when your refugee how long you gonna

you have to wait in order to apply for certain federal assistance, like they could be getting refugee assistance, you know, coming from South Africa. But they said that they was giving them care packages and putting them in position, because one of the dudes, he wrote that he had to sell, he has to sell his Range Rover and his house and some other stuff that he owned, so he can come over here to America. But these are people that Trump are

that Trump is saying that people are discriminating against and whites are being killed by the masses. Which is not true. Trust me. Now they did just have two mass shootings in South Africa. Right. But it wasn't white people. And it was gang violence. And I think that it's also sending the message this is

These are the people this is what they should look like when they come in the country and you know And it appeals to a certain but you also potentially to because they're talking about doing another round of these people from South white Africa South Africanas to the tune of about 20,000 people So you're importing particularly potentially people that are racist into the country So as we work to counteract

the statistics that say this is going to become a majority minority country by 2030 something. You know, well, let's show up our numbers by bringing in white people from other places and then you're going to bring in white people that potentially racist. Like it's madness man. And that's what you're important into the country. And what's so crazy is you are deporting Haitians. Everybody else.

And then I was watching CNN and this is what really urged me because I was saying this earlier. Why can't I be on the panel like that? Because you had this lady that was saying, well, Trump is allowing in South Africans and you know, they are African. They are African. So it was the issue. And people was like, well, he's deporting other people, sending them back to.

to these third war countries and all this other stuff. And the chick kept arguing, well, y'all wanted people from Africa. These people are from Africa. But the issue is they white is not allowing black people from South Africa to come over. You only allowing white people from South Africa. But the other part that I said to you this morning and they're being allowed to bypass the regular immigration, you know, it went in the whole argument. Yeah, don't get in front of people. Yeah, you get in front of people, you know, like we're gonna let you in and then you can. It's the it's the

And it's the world that we live in. And he was calling these people smart. He was like that we need to get the dumb people off the country and bring in smart people from like, from like Norway, right? From like Norway and all of these other white places that he was talking about. I said, are you serious? Like this is when like, as I always say, and we just took.

all of the stuff out of circulation that black people have invented, created, enhanced. There would be like a skeletal of things going on. So I'm going to get out your way, Keith. Yeah, look, I'm going to tell you, you can tell that that conversation clearly. Well, I mean, it's sobering because, you know, you theoretically you were here and then you see the impact of the big, beautiful bill. Part of this, folks, that it's hard sometimes to say you're going to go in and cut.

a program, right? Because they realize that it impacts on their base. And so what you do is you just change eligibility criteria. You make it more difficult for people to apply. That was the whole thing behind voter ID. Because voter ID becomes suppression. Man, I'm not going to go out and get an ID to vote. And that's factored in. And then you just get enough people to do that.

you know, where you where you do the savings, but at some point because of the tax cuts, that means that revenue that normally would come into the government will not. So now you have to make some decisions on what you're going to cut. It's not going to be defense. They're going in asking for $1.5 trillion. And speaking of defense, Pete Hesse is purging 20 percent.

the what do they call it general general administrative yeah leadership and and and a lot of that is because and we'll see how many of them are gonna be if there are any people of color left or women left but because they purge in the color purging are the people who are pushing back on how he's running the Department of Defense these people know when it comes to war these people know

And so when you sit up and you're going against the advice of generals and admirals or admirals are saying, hey, I don't know if that's a good idea, you got to go because they value loyalty over competency. But here's the problem. At some point, you're going to be putting American soldiers in harm's way. They've been lying about the number of casualties. Yeah. A sister just got killed. Yeah, a black sister just lost her life. And then you have, I'm going to say this.

Say it, man. I can't stand. I can't stand for people. You know you're doing wrong, right? Then when you fall out with a person, now you want to come over here and say everything that's been happening over here, even though you was for the wrong. So with Tucker Carlson, he has this interview with Trump. Yeah. And he's asking Trump about the war and everything like that. Trump response is it doesn't matter. We all die in the end.

So Tucker was like, well, why would you say that? What about our kids and grandkids and great-grandkids? Well, you didn't think about that when you was pushing all of Trump's narratives and pushing him over there. But a part of that is because...

It wasn't global. It wasn't universal. At first, the things that I'm supporting, those are very targeted measures, ICE, immigration, cutting certain people out of availability to get student loans and college education assistance. Yeah, it didn't hurt Tucker Carlson's crew directly. Now, when you start talking about, well, we all gonna die. And you know, now you're beginning, it's more personal now.

So I don't, yeah, I didn't have and probably still wouldn't have a problem had it not become personal. It's personal for him now. That's why you want to talk about it. And that's what we do, you know, as long as it's impacted Jermaine and not me. Right. Jermaine got the problem. Right. But at some point, you know, collateral damage is just that it hits unintended targets. Right. And so here I am now. And that's the point. You know, the first term of Donald Trump was, you know, was funny. You know, it do gave us something.

and then COVID happened. And now all of a sudden you realize that you have a person, what do you say, not ready for prime time? The ability to be able to govern, to be able to be a serious thinker, you're not. So now your narcissism, your egotism all kicks in, but it's having impact. Nero fiddled. Why Rome burned? And then Nero burned a blame, the burning of Rome on Christians, right? Find an unpopular group.

And so when you have people like Meach calling in, talking about this group and that group, nigga, it will be you soon. Who? Excuse my second first time I used it. Elon Musk. Thank you, Michelle. Thank you, bruh. You know what the name when he said, we all go down, that made me think he going to push that button.

Man, don't don't say that. You listen to community voice. We're going to take a quick break and we're going to be right back. Keith Parrish. Welcome back. And again, let me thank Miss Michelle Bride for sitting in for the first hour. Appreciate her. Appreciate. I don't appreciate being called a company man.

You know, we had a question a little while back. Would you prefer to be a house slave or a field slave? We're having this discussion.

I'm here to feel. You say what you want to say. I'm going to die. You just say what you want to say.

Yeah, I think that he, you listen. Don't wait until some people call in. Oh, I'm being the fill. Yeah, I'm being the fill. Yeah, then they call you properly. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being the fill. Dude, I'm being

Hey, man, that's why I went to college. I tell the story. I was down in Ripley, Tennessee. I was 14. My cousin asked me, did I want to meet girls at 14? You know I do. He said, well, we're going to go work. Oh, OK. Now I'm used to like in the city, we have those summer programs. You know, you ain't working. You know, ain't real work. Man.

I had this little baseball cap on it. You know me. I'm near light, right? I'm out there sunburned. And I told my mother always said, no, you didn't. So yes, I did. In the middle of that cotton field, Lord, I'm going to college. I can't do this. I'm going to college. I'm going to college, man.

Maybe we get more young people to want to go to college for that feel for a day I'm telling you man. I mean it was like and talking yet a girl it was some five girls out there, but they was working up that road They pay me no attention man. They try and you know how much I got Seven dollars. I got more than you. Yeah, and then I'm from the city. They pay you at lunchtime, right? Yeah, you get paid at lunchtime

So they take us to this little truck stop. I'm from the city. I've ordered hamburgers and dude, it was like my little cousins, they was holding on to that money because the school clothes, not me. I'm a major ball. I spent half my money up here at the, they got a little crackers and some bologna. I got a hamburger. I got me a RC Cola. So how much did you make for the day?

Seven dollars for the whole day for the whole day With the summer you programs you got minimum wage

Yeah, all right. Hey, man. What's happening, bro? Hey, what a transition. Let's go for working in the field to help an insurance. What a hell of a transition. Oh, great segue.

There was no health insurance plan that I could sign up for, right? You know, you just, you're out there, man, but no, you don't, you don't think about it. And then when we went to California, you know, um, the migrant workers, they had, they were doing, um, cabbage and things like that, right? So a regular hole is about five, maybe what about five feet, four feet. They had some called short hole is.

So they had to constantly bend. Oh, bend. Yes. Right. And you know what? And we take for granted some of the stuff that the older generation had to go through just to survive. Exactly. So it's like, like we really don't realize the work and the effort that was put in back in because just to hear y'all talk about that, I can never fathom that because that's not my story. So I, you know,

I was never there before y'all to actually walk and work in those fields and say hey for the whole day You made seven dollars. He made 12 for the whole entire day is it's like, okay You have to appreciate those that came for you that actually put in and you know was crazy They had more to show for it. Wow. Yeah, you know you I think about what my mother made and what my mother had the show for you know They knew how to budget right well that but I think that this is an important conversation

Mr. Shamique Charlie, good morning, sir. Hey, good morning. Good to see you, man. Thanks for having me. Thank you for your patience. And you talk about, you do help, you do insurance, right? All types of insurance. Yes, sir. So talk about the, well, let's talk about why insurance is important. Why insurance is important for me. I feel like it's a lack of awareness in our community overall. We all need insurance, but we kind of dread having that conversation.

Because for some reason, we often gonna live forever. So nobody really wanna talk about life insurance. And the need to protect what we built up, you know, a GoFundMe shouldn't be a life insurance policy. And we're seeing more and more of that. You know, one of the things that you would see where people, they used to call it county, well, they still do county burials, burials, right? Because, and that's kind of the bare minimum.

And then even then, the state has cut the amount of money that's paid out for burials. So if you're buried out of a funeral home, you do it at a loss. A funeral home is doing it at a loss. Right. But you talked about that. And that was the first thing that came to mind when we think about life insurance, right? So we can start there and then we'll get into health insurance. A lot of times, you're right. I don't think, I think we're still living it now. As you say, we don't think tomorrow is going to come and that we're going to die.

A lot of people think it's way too expensive too, and it's not. In the earlier you get it, the better off you are. So you can get a higher face amount for a lower premium. And again, I think it's just the lack of awareness and the information. We'll spend that money easily on something else that doesn't benefit us. But we kind of shy away from...

putting that money to the side to help our families, protect our families. And there's life insurance now that can protect you while you're still above dirt. So, you know, it's not just a policy that you get. And when you die, your family gets to take advantage of it. If something happens to you and you have a life insurance policy with living benefits, you can access part of that life insurance to maintain your daily living. And you're seeing people out there, advertisements out there where people want to buy.

they say, you don't need all this insurance now. You know, you that will do it. So talk about like, so let's, let's start with life insurance. What types of life insurance do people talk about whole life term? What, tell people what the differences are. So term, I look at term insurance and there's no wrong answer with anyone because we all need that coverage. But term takes care of things like now.

You know what I mean? So if something happens within that term and you have these bills, you have the mortgage, your car payments, it can help with things like that. Whole life is, you know, for your whole life, just like it says, like it states. And that can be used to accumulate and build cash value. A lot of people

prefer the whole life because it does build that cash value. You can borrow from that policy and will deduct the face amount of course, but there's really no wrong answer. Like if you're, it depends on your stage of life too, because life insurance looks different for someone at 30 than it does for someone at 40, 50, 55 and older. So it's called an actuary, right? Yes. And I applied man back in the day for a job out at all state.

and I think it was as a claims adjuster. I had no clue to what an actuary was, right? So an actuary is just basically all of these data points that they put in and based on where you are, your demographics, age, people don't even realize race, all those things. Like they talked about like if you got in a plane crash and you had a white infant and a black infant, they're gonna pay more out.

To the white infant based on actuaries, right more likely to go to college more like, you know, I mean, it's so it's crazy when you fit into that But how about and I know this is a tough one and maybe people just not at this point There's some people who live in a situation where chances are There's a higher risk of death But usually those are the people who are usually uninsured. Yes

What do you think that is or what causes that? I think again, it goes back to the lack of awareness or they or they think it's too expensive and nobody's really just sat down with them to go over what their options are what they have access to You can get a large Large life insurance policy for someone young Whereas maybe $30, you know and the advertisements kill me because they tell you

you know, you get a million dollar policy for 39 cents. And it's just crazy because it's, you know, it's brung upon to get people on the phone. And then you tell them the truth. So then they upset with you. So I just feel like it's important to have that conversation for folks so that they know what's available. You know what I mean? And again, we're not having those conversations. We're not having those talks. We think it's something that I can wait. I can get that later, but.

The worst time to try to get a life insurance policy is when you actually need it because then you get denied. Nobody's going to prove it. You ain't going to be able to get it. Insurance based on risk, right? And part of, if we can set the way into health insurance, part of what the Affordable Care Act talked about. First, remember there was a, I don't even know if it's still,

I think it still is. There's a requirement that people had to get health insurance. Yes. Right. And especially younger people. Right. Because the rationale is if younger people are paying into the system, they're healthy. So then they're supporting the people who are not as healthy. Is that the concept? It's kind of the concept, but again, too. So the health insurance portion, the health insurance.

helps doctors pay their bills, but you still have deductibles, you still have coins, you still have all of these things that need to be met in the health policy that nobody addresses either. So say you fall, you break your leg and you go to the doctor thinking you're going to get treatment, but they say you got to meet this 10,000 deductible first before we start paying anything.

Nobody has that laying around and I don't know the number off the top of my head But it's well over 60% of bankruptcies are due to medical and that's one of the that was one of the Rationals behind developing the Affordable Care Act that you know when you look at people going in declaring bankruptcy It was medical bills is the number one reason Because the cost of health care is is astronomical. I don't know if anybody's ever seen your your hospital bill

And you only in here for three days You know I mean And then you almost you already have another heart attack right go back and then you see all the insurance picked up Oh, okay Yeah, cuz you you and I had this it was cuz remember I told you I had the the counter retirement insurance, right? Yes, I deductible so like MRIs

colonoscopies, things like that. I get a call, hey, you need to come in, but it's going to cost you out of pocket $2,500. We have a payment plan. But then when I became Medicare eligible, now I'm getting phone calls. Right. Right. Because now it's stopped because now they know that's going to be reimbursed. You need to really get in here for, you know, I mean, so.

I think that piece is real important. But when you talk about the medical bills and a lot of people, one of the things we did in the webinar today, you know, they talked about how many hospitals have to take charity care, right? Because people are not eligible for whatever reasons or they can't afford a premium for health insurance. Now, one thing that you won't see that can help with those costs, help address those costs is fixed indemnity coverage. So it's actually insurance that pays you.

when you need to use it. Is that Affleck? There's different companies. But isn't that what Affleck? Affleck is kind of like accident coverage, you know, accident related, but fixed indemnity is more like you can have a hospital policy that actually pays you an amount to offset those MRI costs. Sometimes it's in excess, so then you get the difference.

But again, this, this is stuff that you don't see on TV. That's why I feel like it's important to have that conversation because a lot of times I'm talking to people and I'm the first one that ever told them about it. Like this is groundbreaking information. And it's like, you know, I wish it was information that I had privy two years ago when I was going through some things long before I got into the insurance, you know, had issues with my back and.

you know, it was off word. And then you you sign up for your short term disability and realize that you're not getting paid till you get back to work. So those two, three months that you were off to know that something exists like that, that would have helped me pay my bills while I was out that time would have been super crucial. You know, I had had hurt my back. And one of the questions, you know, when you do your your questionnaire was they want to know, was that accident related?

I mean work related, right? Because there's work related, then we get into issues like workman's comp. Now does workman's comp also cover medical bills? Not that I'm aware of. Okay, so it's just making up your salary. A portion of your salary. And so, and as you say, and especially if you ever tried to do a workman's comp claim with the county, because county self-insured,

They send you through it. No. Yes. Yeah, they send you through it I mean I I've never had to but I had employees who did I had a young lady who slipped and fell at work. Mm-hmm. Okay She broke her back Wow, and so She's going back and forth with the county the county was saying no you were off what happened was

She had gone in and that's when we were still doing paper sign right before we went to electronic, you know, clocks and things. And she, she went in. So as she was walking back to go back to her desk to get her stuff to go home, she slipped and fell in the hallway. They were saying she was off. No, I'm still in the building. Still in the building. I didn't go anywhere. Yeah, you know, and I signed out. I'm doing what I'm supposed to do, but I'm still in the building. So you're right. It gets.

And look, the insurance companies are out there. My buddy, a former claims adjuster. And, you know, look, the insurance company is trying to pay out the minimum, you know, the minimum that they have to pay out. And so, you know, when people go, and that's why claims adjusters don't want to hear you got a lawyer, right? You know, that they prefer to, you know, hey, we can work this out. We're going to get we're going to cover this. And they know ultimately it's going to be overwhelming for that person.

And unfortunately, a lot of people just throw in the towel and give up. So I feel it's important to be that advocate, too, because I get on the phone with them. It's not just a one-time deal. You see me. I help you with this insurance product and deal you on your own. Like all of the information that I give out is like my cell phone. So folks call me sometimes way too late, you know, get some calls at 10 o'clock at night. And I'm like, wait a minute, dude, I know I'm independent, but come on now.

like give me a break, call me at 10 o'clock at night. But I try my best to be accessible in that manner too. And I've met with folks that say, well, hey, I work second shift. Is it possible? And I make those arrangements to talk to them and meet them where they are. But more importantly, be that advocate. So like if they have to get on the phone, because again, it is frustrating. You make a call in the first 10 minutes, you're on the phone with AI.

And you know, you yelling, I want a representative. I want a representative. And it's like, tell me your problem first. I love to hear my wife go back and forth with AI. She going back and forth with AI. So we talked about life insurance. We'll get back and talk about health insurance. But you do all types of insurance. So I guess I can then ask you questions about some other types of insurance that I think is important that people don't even think some of this is insurance is important.

Mr. Shamique charlie we're here talking about insurance you're listening to community voice We're gonna take a quick break and we'll be right back FM with your host Keith Paris Welcome back and again. We're joined in studio by mr. Shamique charlie. What's the name of your company? I'm health markets insurance agency. All right, so I'm independent through them So they're like the machine behind me. So I'm not I don't I'm not employed by them person. Okay Call it welcome to the program Good morning

Hello. Good morning.

So we talked about life insurance. We're talking about health insurance. Let's talk about health insurance now, talk about the open enrollment period, some of the changes that have been made in terms of people who might be eligible for marketplace and how those things have changed. Right. So for marketplace for 2027, open enrollment runs from November 1st through these.

December 15th. And that is the deadline. So you don't want to wait. You want to look at any household changes, expected income changes. Make sure your doctors, your prescriptions, everything is still intact.

the way it needs to be. So make that call sooner rather than later because now you have to go through extra verification processes coming up for this open enrollment period. So my whole advice there is just don't wait. You know, it's not going to auto renew like it did in the past. You may miss a deadline and then you get to the doctor's office and find out you're not covered. That's the last thing that you want to happen. So I would just say review, review, review.

Because again, you don't want to you don't want to be caught off guard by that and you want to make sure That your premium didn't change your your medication is still covered because they make man a goal post is continuously moving I was gonna I was gonna ask you Now we have open enrollment and that's that fixed period of time where you can enroll Make changes to your policies, right?

There are exceptions to that rule, like when there's a substantial change and hopefully that's the turn, right? Yes. A substantial change that number one substantial change is I get married, right? So then at any point I could be at it, right? You get married, you're having a child, you move, you know, so you move out of that service area that you were in. And there's a lot of other reasons too, like you lose your job. So then.

Or, you know, the income changed drastically. So you go back in and there's a lot of different, they call them special election periods that you can take advantage of outside of those enrollment windows. Right. So if I get married in March, I don't have to wait till November. Right. Right. And chances are I want to add that individual. Absolutely. So you can do that right away. And they give you a window there too. So it's like a 63 or two to two month window that they give you.

to when you have a change. So you can't wait too long and let that window pass too. So when you have a change, you know, if you're working with somebody or you go to the marketplace, just do it sooner rather than later. Because again, you don't want to call and find out that you missed the deadline by day. Now, when people are applying for Medicare.

Mm-hmm. Now that's a little bit different. Yes in terms of open enrollment Yes, that's that period before when you become eligible and every American is eligible for Medicare right at 65 or if you determine So what's that period before? How soon can I apply remember when I applied I applied in my birthday month right the month that was turning But there's a penalty if you wait too long if you wait too long, so they give you

So the beauty about Medicare is they give you a seven month window. So you have three months before your birthday, the month of your birthday, and then three months after to sign up for Part B. Now you are penalized if you go outside of that window. So like if you don't get Part B, that's a lifelong penalty. They say lifelong penalty, explain that. Depending on how long it took, say you were, you missed Part B and you didn't take it.

a year went by, and you didn't have anything like Medicaid in place or extra help, then they penalize you. So it's times that year, but then that penalty gets added on to your Part B premium, and it doesn't leave. Whereas Part D, which is the prescription coverage, say you went without Part D for a year, then you will be penalized for two years.

So they calculate it. I don't have the exact calculations, of course, off the top of my head, but they calculate that. They add that penalty with Part B. That's just what you'll pay for the remainder of your life unless you get on Medicaid or you get deemed for extra help or something like that. The state will then kick in and pay it. Yeah, and I think, you know, we've seen more and more boomers are coming to the aid to think what was that, Gen X? You Gen X, right? 74, I don't even know.

And they're getting close now to retirement age and here's the thing Boomers are living longer. Mm-hmm, you know and healthier and right relatively speaking right, you know when you so when you think about because even when the When the actuary was done for social security

It was they picked 65 because I think the average life expectancy was somewhere around 4850 so they figure if you live that long But they you know no one factored in medical technology right change of how we work Yeah, right where cuz help because companies offered health insurance because obviously if you have a healthy employee they can come to work and work right

But you see less and less companies, or if they do it, they're trying to take the least expensive plan. So what do you do? Let's say I'm working for a company. I have health insurance. Can I augment that health insurance through you? Now, if you're working for a company and they offer the insurance, then nine out of 10, you have to take that coverage. There are some exceptions. Like if it's over 10% of your income, then you can look at some alternatives. Now, another.

because you mentioned folks being healthier. So there are other types of insurance outside of ACA that helps. So like how I mentioned the fixed indemnity coverage and the hospital coverage. So a lot of healthy individuals or small business owners because all of the enhanced premium subsidies that were going on during COVID time where it was pretty much eliminating those

premiums for ACA coverage are going away. So those prices are rising and everything's only going up. So, you know, that forces people to look, hey, like what else is available? So then you start looking at indemnity coverage paired with like a critical illness policy and things of that nature. And a lot of folks are turning that direction and actually enjoying it more because they're like, hey, if I go to my doctor once per year, why am I paying?

$1,200 for coverage, you know what I mean? And some are a lot more. Like I was looking at a client in Florida and their ACA premium and this was per person was over $10,000. And I said, okay, we might want to look at something else. And they agreed because that's a lot when you're not getting a subsidy. I mean, $10,000 is just crazy. That's a lot of money.

Mm-hmm. And then you still have a maximum amount of pocket or deductible and 50% coinsurance isn't $50 to see your primary doctor. So It's just a lot but there's ways to play the game to to where we can benefit and save money as well I Know this is something you say you don't cover but I think it's important again. We're talking about insurance Yes, how important is it for people to get renters insurance? I think it's very important

because if something happens, like we were discussing, if you're in an apartment or you don't own where you live and that place catches on fire, or it gets broken into and all of your stuff is gone, that's on you to replace if you don't have that policy. And again, this stuff is very, very reasonable for people to obtain. It's just how we depend or how we choose what we're gonna spend our money on. Some people feel like that.

that cell phone bill with this unlimited plan is more important than that. And that bill is $3,400. Well, you know, get something more reasonable and put something to the side that's gonna help you, ultimately. And I was thinking, my mother, she did a burial trust. And so, you know, that's basically where you free pay your funeral and your burial. Yes.

So there was things that she was and that's something that that a lot of our folks did back in the day, right? They I put a little something aside for my federal right Forward thinking forward thinking yeah, and and and then the the you know, I know my colleague has talked about it I'm in a situation where let's say I can't afford health insurance or I can afford life insurance And I choose not to for whatever reasons that puts a burden on my family

a huge burden because if they're dependent on your income and something happens to you, what are they going to do? You know, and a lot of people are putting, you know, and not to bash anybody, but a lot of folks are doing that and not even realizing the impact that it could have on their family. If you're the sole provider or you're providing 80% of your income is taking care of things that need to be taken care of and you're not here anymore.

then what's going to happen? Or then if you have a life altering event, but you survive, that's where the life insurance will live and benefit kicks in because there's policies where you can access up to 80% of that policy to continue on with life. And there's still a death benefit for your family. So there's all types of ways. One of the things that I appreciate the most about having health markets is

the access. So when I joined two years, a little bit more than two years ago with them, we had access to over 250 carriers nationwide. It's probably 300 now. So me being licensed across 12 states, I have close to anywhere between like 60 to 70 carrier and product appointments. But that allows me to shop for the person. You know, the insurance companies are straight.

straight financially. A lot of times it's us that aren't. So when I'm sitting down, it's just talking. It's not reading a script. It's not going down a checkpoint list. It's just conversatin' because through conversation, people will reveal what their need is, what their pain points are, and then you put something in place to help protect all of that. So like, I don't use the quote unquote,

You need 10 times your income because you got to have that conversation with everybody. It's not, it's not just as cut and dry as I need 10 times the amount of my income for life insurance. What about these started by Christian groups where supposedly it's, I guess it's insurance health insurance is kind of cost sharing. Once people kind of get in, they find out that a lot of procedures are not covered. You don't.

that I don't. So I have run into folks who told me that they were offered things of that nature. And what I do, I'm like a researcher holly. So I'm gonna look it up. And right off the bat, I was saying, like, okay, this isn't, there's a whole bunch of stipulations. So why everybody's pouring into this pot when you need it, you might not be able to pour it back out of that pot. So I knew- I knew we was in trouble when they say someone from the group is gonna pray with you.

Don't pray with me pay me. What are you talking about? You gonna pray for me? Call her welcome to the program I don't know if y'all heard the event but they said the woman goes to testimony and someone there pray because they get ready to tell you we don't cover anything because they were talking about especially like long term people dealing with cancer treatment right long term it was like no No, we're gonna pray with you call her welcome to the program

Good morning, gentlemen. Good morning. Morning. I'm so poor. I can't pay attention. But I did purchase a, uh, one of those $25,000 life insurance policies on the TV. Would that be wise or no? It all depends. Did they, did they spend time with you to tell you what all this policy covers and what it does? Oh, yes. Okay. That's good. And it's always good to review too. So for me, it's not just, Hey, I got you. What, what can I sell you?

It's like, let's look at what you got and make that determination. At the end of the day, I'm going to always do what's right. And if what's right is saying that, hey, this is a great policy stick with it, don't change it. That's what I'm going to do. That's how I advise folks. All right. Thank you very much. Yes, sir. He said he couldn't afford to pay attention. But he paid that premium. He paid that premium, though.

He's not gonna leave his family out there. You started it all off with like go fund go fund is not life insurance. No, it's not And I guess that's hard again, and I'm thinking some of the people who really Looking at your actuary now again insurance companies are gonna do the minimum on that only because you might have a higher Possibility of some catastrophic happening, right? But at least there there's something there because they give you what?

I think now they're talking about the average cost of a burials between about eight and 12 grand. Mm hmm. I think I'd say even higher. But now they're saying between 10 and 15. Yeah, man, everything is going up. What you getting for that? Man, I give, well, again, so I meet folks where they at. So if they say I can only afford to do 10, then that's what we that's what we roll with. But there's, um, and like I said with.

Access to all of these companies there's some that you don't even have to your family doesn't even have to deal with the funeral home Because that's built in so they take care of all of that for you because you know and hate to say it too But a lot of times they know when you're grieving it's like hey Do you want to you want to do what's right by this person or you want to do to bare minimal? You know, I've heard those stories like wow, that's just

That's crazy one of my favorite ones is so what time will the limo be coming to pick you up? You're going like oh, and then you find out there's a cost of that. Oh, yes, you know, I mean you yeah, right? I mean it is We just can't get out of here without people in our pockets. Can't we know? Nope. Why you here? Oh, you did they still try to collect Dig you up

And you know and and I've seen this where People really could not even afford You know they trying to get things together never forget going to a friend of mine Kind of grew up together and went to his funeral and we went on a Friday and they said no No Because they hadn't gotten any money Wow and So something worked out

and they were able to reschedule it, but, and it seems like a rather morbid conversation, but, you know, I mean, it's just, if you're there, you got it, you straight, you know, you can do, what would be, when I think about this, if you could, you know, like I'm talking, being adequately insured, what would be the cost per year for me if I'm just, you know, being adequate, not the 150 grand, 250 grand, I'm just talking like,

We got here to $25,000. Right. Yeah. So again, that number is going to come out from the conversation. But again, I feel like $25,000 is a great place to be at. You know, so my first policy, I did $50,000. I got two grandkids. I'm married. You know, I wanted to make sure that I left nothing behind for them. But then when I went back and did a policy review, I added more. You know what I mean? So.

your needs change. No, I was going to ask you so like updating. There have been people who have put down beneficiaries on the policy and these people have passed. Should I reach out to my insurance broker? Yes. Let you know that that beneficiary and then change the beneficiary. Because I'm the closest contact to the carrier. So I'm going to get through a lot quicker than having with

giving you a number to call and then get transferred four or five times. I can get right through to let them know, like, hey, we need to update this beneficiary. This person is no longer with us, or they just want to make a change, or you want to add another beneficiary. So you definitely contact the broker so they can go through and get to the carrier and make those changes and updates. Does probate impact life insurance policies? No. OK. No.

If you have a life insurance policy and you have a designated beneficiary, then they're going to, it was coming to them. So I can, that could be paid out and have to make a judge decide right. That's typically in properties and things of that nature where you see probate getting involved or they didn't have anything. So now they, you know, you have to go through that whole process, which can be drug out. Call it. Call it. Call a welcome to the program.

Good morning I just wanted to chime in especially when you were speaking about the Beneficiary aspect of that I ran into a situation and I don't think it will be wise for everyone to check The original person who wrote the policy no longer was with the company so they sent me another representative We went and began to do what kind of just kind of look at it and make sure was what we needed to be We subsequently found out

that there was no sub-secondary, if you will, beneficiaries. And I said that to say this, my wife was the beneficiary or something happened to me and I was if something happened to her. But what if we die together and not nobody gets paid for what I was told? Yes, you want to make sure that you have that portion of it covered. So just in case something would happen to both of us, the family would have gotten nothing. Is that correct, Mr. Chow?

That is correct. You want to at least have a contingent beneficiary on that policy. So like you said, in case if something happens to both of you guys, then, you know, they really have nowhere to send that money to. And they're not going to go out their way to try to send it anywhere as well either, not to my knowledge. So I can't just say 100% that they won't try to find the next again.

but I wouldn't count on it too highly. So I'll definitely add a contingent beneficiary for situations like you just said. Thank you, gentlemen. Thank you. And thank you. Yeah, I think that that's one of the little things, you know, when I when I'm teaching child support, I talk about inheritance and next to Ken and a lot of people don't understand that concept, but it would be more difficult to sounds like from what

you and Deebo were saying that it'd be more difficult if either the people identified are no longer with us. Right. Right. Now the estate can always go in if someone is representing the estate, but that next to Ken becomes being able to identify who it is. You have people, the one that is always crazy is, and this is my grandmother's generation, you know, they get separated. They get divorced. Right. Right.

And and so then when that person dies They could have been and I and I heard somebody call in tell this story that they were Person they've been separated for years and he lived with another woman and he died So the other woman called the wife

saying you're going to pay for the funeral. No, no. Because the insurance went to her. You know, and that's one of the things, you know, we talk about being married, but those benefits of being married, you know, making sure we talk about in child support, establishing paternity. Right. People do, oh, man, here's the thing, though, inheritance rights goes along with paternity. Yes. You know, and so you don't. And then your kids are next to Ken when I got a chance to really see this with George Floyd.

Everybody he had bunch of kids. They all lower it lowering up, right? Right, but who's his immediate next to Ken, right? It would be that child under 18 and you work your way back through the other said kids and then once they're not there now you work way back mama It's so it it all those things but it impacts on that payout right right in terms of who would be who would be else? Yeah

And that process can be drawn out. Oh man, who knows how long yeah, you got this whole thing About people going in doing the states and doing annuities and things like this and gets Malcolm Jamal Walker, right? Oh What's his name Malcolm Jamal Warner going his mother and his wife? Yeah, you know and and then he had a I guess he had pre-nuptials and other state things he never updated and I think just

As we have this conversation, update your paperwork man. Always important to do a policy review. You know, a lot of people think that, okay, I'm going to do this review, you're going to try to sell me something else. No, not necessarily. We just want to review, make sure that it's still good. That topic comes up of, do you need to update your beneficiaries? You know, I need to update my beneficiary. I have a second granddaughter now.

That I need to update on on my policies on my business. So, you know, like once I leave health markets, I'm able to pass this down what I've done, you know, so we we have to constantly make those updates. It's not something you just said it and forget it. You know, can I really want to go down a rabbit rabbit hole? OK. But and I saw a situation where. So.

Let's say I get married My mama was my beneficiary my insurance policy right my mama died I Never updated to put my wife one there, but that next to Ken relationship then kick in where so that terms of inheritance I do believe Because you were married right and mom passed away that it would go to the way. Okay. Yeah

Yeah, because that, you know, a lot. I found something out at the county. I didn't realize, you know, and we're just talking about this whole community property stuff that when you retire from the county, you can put anybody down as your beneficiary. You see, I didn't know that. I didn't know that either. It doesn't have to be your spouse. Oh, wow. Yeah. I mean, so that's, that's, that's like a girlfriend. Yeah.

Yes, sir. Can I get a question? Nah, man, we got to get a body. I just want to ask a question, by the way, when you're working at a job for some of the year, paying insurance, and you don't take your insurance, is it how can you get it? Can you be able to get it back, or is it just gone? Can you have axed them soon as we got off? God, dog, we got to go, bro. No, that was more than three seconds.

Yeah, let me thank Michelle Bryant for sitting in the first hour of the program. Again, Mr. Shemeek, Charlie, if people are interested, want more information, give us some contact information. So you can contact me at 262-717-8903. My email is scharly, C-H-A-R-L-E-Y, at healthmarkets.com. And then the website is healthmarkets.com slash scharly.

Appreciate you, man. Hey, thank you. Thanks for having me. I appreciate you. Health markets. Clark, thank you, man. You just got to ask your questions earlier. Yeah. The way that a Clark, did he take five minutes telling you we got to go? We know the creek got a rise. Thank you, sir. Thank you. Good Lord, really quick to rise. I'm so happy tomorrow. And as always, go for this place of peace.