The I Love CVille Show With Jerry Miller! - Will UVA Announce Ryan Odom As Next Coach?; 2024 Retail Tax Report: City Tax Collection Negative
Episode Date: March 21, 2025The I Love CVille Show headlines: Will UVA Announce Ryan Odom As Next Coach? 2024 Retail Tax Report: City Tax Collection Negative 2024 Retail Tax Report: AlbCo Tax Collection Positive Why Is CVille Ci...ty Retail Tax Collection Negative? Flipbook Of UVA’s Ivy Road Development Evolution Eat Now, Pay Later For DoorDash Food Delivery CVille Biz Brokers Has Cash Buyers/Clients Tim Shropshire Comedy Night, Pro Re Nata, 3/27 Read Viewer & Listener Comments Live On Air The I Love CVille Show airs live Monday – Friday from 12:30 pm – 1:30 pm on The I Love CVille Network. Watch and listen to The I Love CVille Show on Facebook, Instagram, Twitter, LinkedIn, iTunes, Apple Podcast, YouTube, Spotify, Fountain, Amazon Music, Audible, Rumble and iLoveCVille.com.
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Good Friday afternoon guys, I'm Jerry Miller.
Thank you kindly for joining us on the I Love Seville show.
We apologize for the late start on this last day of the week.
What is this, the second day of spring, ladies and gentlemen.
A lot we're going to cover on the program. DoorDash will let users buy now and pay later for delivery food.
Maybe that headline is better delivered, pun intended, to you, the viewer and listener, with DoorDash will allow its customers to eat now and pay
later for delivered fast food. Is this not a concerning sign for the 2025 economy? I
want to talk about this with you, the viewer and listener. DoorDash is partnering with
Klarna, a financial company that lets customers schedule small payments over a set period of time.
That means if you get something from DoorDash that is $10, you can pay an installment of $2.50 for them.
This is insanity. I want to talk about that on today's program. We're gonna
highlight on today's show the retail sales tax collection data that was just
released by the Charlottesville Regional Chamber of Commerce. Six of the seven
Central Virginia localities tracked by the chamber, ladies and gentlemen, saw an uptick in
retail and internet sales growth. However, one of them, the city of Charlottesville, saw a negative
result, and it was a negative result of 3.4% compared to 2023 retail and internet sales tax collection. I find this a concerning
trend for the city because inflation and the escalated cost of sold goods is going to drive
increased sales tax collection just by the nature of things
costing more.
For the city to be negative is a red flag that growth not only is stagnant, but it's
negative and it's a cause for concern,
where the Office of Economic Development
and its director, Chris Engel,
is offering his perspective on what's going on.
He says there are numerous contributing factors
to this change.
The most significant appears to be limited opportunity
for new retail development
within the small geographic footprint
of the city of Charlottesville.
He says the city is monitoring this trend
and incorporating relevant data into current
and future budgeting scenarios.
Is it fair to say, Judith, that the city of Charlottesville
is down from its retail and internet sales tax collection
because it has a very small retail footprint in the city?
I wanna talk about that on the show. The small retail footprint in the city. I want to talk about that on the show.
The small retail footprint has not impacted the city in years past,
but it impacted the city in 2023.
Are we sure that that's what the impact was from?
Right. That's why we have to ask the questions on the show.
We're going to have that conversation today.
Viewers and listeners, hammer the like button.
We work hard for you.
The only thing we ask in return is you liking and sharing the program.
I want to highlight on today's program that we promise we will get to the flip book of
the Ivy Road development evolution as it pertains to the University of Virginia.
Gone on Ivy, Cavalier Inn.
Gone on Ivy, the Villa Diner.
In the hands of the University of Virginia,
Ivy Square Shopping Center,
in the hands of the University of Virginia,
Moe's Original Barbecue,
in the hands of the University of Virginia, other parcels.
We have dubbed this the Lawn 2.0, the academic village 2.0.
Maybe Bill McChesney, the mayor of McIntyre has come
up with the best moniker for what's happening on Ivy Road.
He calls it West Grounds, West Grounds.
We have North Grounds, maybe this is West Grounds. Ivy is it extends toward
the Boars Head. It's no secret that the University of Virginia is looking to connect its trophy
property, the Boars Head Resort, with the rest of its vast and robust holdings in the
city and Almaro County and I'll have that conversation today on the I Love Seaville
Show. On the program today, Judah Wickhauer,
we're gonna highlight the fact that our brokerage firm
online at Charlottesville Business Brokers
has a number of cash buyer clients on hand.
Well-funded, cash on hand,
not tied to small business loans,
looking to pursue and purchase business opportunities
in Charlottesville, Alamo County, and Central Virginia,
our clients at Charlottesville Business Brokers
have clients with cash on hand.
On the 27th of March, Judah,
which is right around the corner,
Crozee Pro Renata, a comedian,
if we highlight that on screen,
Tim Shropshire, maybe you put the lower third on there as well, a comedian, if we highlight that on screen. Tim Shropshire, maybe you
put the lower third on there as well. Tickets available, they are $10. You can
get a tabletop of four if you'd like to watch it with your family and your
friends. John Shabe, the Pro Renata team, have a comedian with a national name and the foothills of the Blue Ridge and
Crozet at the brew pub that we have dubbed the Disney world of Crozet Pro Renata is having success with that
experiential strategy
with its brick-and-mortar brew pub
arcade games coming
More things to do for Pro Renata
For kids and families coming. They already have a playground.
They have music stages galore.
Now a comedian with national recognition, job well done.
A lot I want to cover on today's program, I'm going to ask you, Judah Wichera, which
headline most intrigued you today and why.
It's got to be DoorDash, right?
In some ways DoorDash maybe was the lead slot of the program.
It had to be Ryan Odom because VCU basketball lost yesterday
in March Madness, and Odom is scuttle-butted to be
the next head coach of UVA.
But I want the viewer and listener to help me understand.
Please, Bill McChesney, help me understand.
Please, viewers and listeners that
are watching this fine and fair talk show, help me understand like James Watson, Neil Williamson, Rob Neal,
Sondra McDaniel, Stephanie Wells-Rhodes, Carol Thorpe, Bob
Schata. Help me understand Bob Yarbrough. Help me understand Tom Pound, Olivia
Branch, and MJ Arquette. How DoorDash can offer eat now, pay later, installment payment plans for food delivery.
How does that work, Judah?
I mean, it's not that hard to figure out how it would work, but how it's going to affect
people I think is the big question.
Is this like ‑‑ what are they getting out of this?
Look, it's one thing if you do, are they gonna,
is there gonna be an increased,
an increased like basically repayment rate on that?
Is it gonna be like payday loans
where you pay a higher rate to get the food now. And obviously they're going
to have to have a way of cutting people off. Because I can't imagine that everyone is just
going to pay on time right away, every time. Great questions. I'll offer this question as well DoorDash Offering eat now pay later for food delivery
Does this even?
discourage
dining in a restaurant even more
You want to go to a nice restaurant you want to go to a middle tier restaurant you want to go to an entry point
restaurant
You have an option to order the food,
have it delivered to your house where you can eat the food
in your Tidy Whitey's and your BBDs and your Victoria's Secret
and your bathrobe while streaming Netflix.
And you don't have to pay for it in real time.
The flip side of that is get your clothes on,
get in your car or figure out public transportation,
drive to the location.
Wait for a table.
Have a waiter or waitress serve you.
Have to tip them 20%.
Get in your car.
Before you're in your car, you're leaving, you're walking to and from the restaurant.
Then you're driving home.
If DoorDash offers a buy now, pay later, eat now, pay
later plan, does that not further discourage the consumer from going into brick and mortar
locations and dining in? John Blair, your thoughts? Viewers and listeners, your thoughts?
If you're just tuning into the program, this was the news that was all over Wall Street
and certainly commanding a lot of the attention on CNBC.
DoorDash will let users buy now and pay later,
eat now and pay later for fast food delivery.
Macroeconomists are saying that this is a worrying
or concerning red flag for the economy,
the state of it right now.
Your thoughts, viewers and listeners,
we're gonna unpack that right now.
Georgia Gilmer, welcome to the program. Media from television, radio, watching the program,
and print as we speak. The lead headline, and before we get to Ryan Odom, Charlottesville
Sanitary Supply, 60 consecutive years in business, 60 plus. Online at charlottesvillesanitarysupply.com,
located on East High Street, Andrew Vermillion, John Vermillion, doing things the honest,
the right way.
It's pool season, baby.
Pools are opening up.
You need to treat that water, the place to do it.
Charlottesville Sanitary Supply.
Judah, yesterday VCU lost.
Brigham Young University bounces the Rams from March Madness in the dance. Ryan Odom's team, they fought,
they play with grit,
they play with tenacity, they were athletic, they could not
win the game. And now VCU season is over. And the Chitter-Chatter is the University of Virginia and athletic director Carla Williams is that lower third is on screen
Are pursuing the 50 plus year old
From Richmond the man's won one count them one NCAA tournament
won, count them won, NCAA tournament games. One game in the dance.
And that was when he was the head coach of UMBC,
and he beat which team, UVA?
Which team, Judah?
VCU?
UVA.
UMBC beat UVA.
16 versus 1C, the most historic upset in NCAA history.
That's the only game he's won in
the Big Dance. Adding to the conundrum or the concern with
Orange and Blue is the fact that there's really no players of significance that have any eligibility
remaining that will follow their head coach down Interstate 64 from VCU and Richmond,
the Siegel Center to Charlottesville and the
John Paul Jones Arena. Will Carla Williams and the UVA brass announce Ryan Odom as the
next head coach within 24 to 48 hours? I hope so if he is the next head coach because the
transfer portal opens on Monday, guys. On Monday the portal opens and Virginia needs to rebuild its
roster. So you should follow this closely and it's rare that sports is the lead
headline of the show but today it is because VCU loses and because a program
is in purgatory or in transition and And evidently, Odom is the guy to grab the program
by its Nikes and Chuck Taylors and deliver it from purgatory,
from transition into the pearly gates of hardwood and trophy
glory.
Only time will tell.
Follow it closely.
The chitter-chatters and announcement will be made within the next 48 hours.
One win, Judah, for Ryan Oda and the Big Dance. And that was against UVA.
And no players to matriculate down Interstate 64 from the Siegel Center to the John Paul Jones
Arena. Unbelievable. Juan Sarmiento watching the program, his photo on screen. He wants
us to get to the DoorDash topic right now. Juan Sarmiento is a man I respect. I love
when he watches the show. Let's put the lower third on screen for DoorDash. He says the Klarna, and I think it is, so we have it correct, Klarna, K-L-A-R-N-A, he
says the Klarna doesn't charge any fees for this service, Judah.
So who benefits from this?
Does DoorDash raise their prices?
I mean, they already charge quite a bit.
I don't think most people who are getting DoorDash are
considering getting dressed up and going to a restaurant.
I disagree with that.
I disagree with that.
Well, let's put it this way.
I don't think most people considering eat now, pay later are going to be much of an
issue in terms of going into a nice restaurant.
I disagree with that too.
You disagree with that?
I disagree with that.
You think people are actually going to consider?
I tell this, I've told this story in the past.
I'm going to tell the story of a business that I invested in in, must have been 2008, 2009.
I'm in the middle of a broadcasting career.
I'm hosting a five day a week radio talk show on five or six ESPN affiliates called the Jerry Miller Show.
It's airing one to three p.m. in North Carolina
across the Commonwealth into Tennessee and parts of the D.C. area.
I'm also hosting pregame shows on Saturday morning on the same
ESPN affiliates, radio pregame shows, before football and basketball.
I'm writing a story each day for the Daily Progress
for print and internet,
at the same time of hosting the talk shows,
and at the same time of hosting the talk shows
and writing the stories for print.
I'm doing two TV shows for NBC29 for Harold Wright,
for Jim Fernald, for David Fokie, and Neil Bennett.
The Jerry Miller Show on Saturdays at 1130 AM on the CW,
and Varsity Lights with Jerry Miller Sundays at 1130 on NBC 29.
You add all the income from a salaried radio talk show
career to writing five days a week for print and doing two TV shows and you start piece-mealing together a pretty sizable salary.
I was legitimately working seven days a week. But I was, good god, 17 years ago, 24, 25, 26, working seven days a week, 24, 25, 26, working seven days a week,
24, 25, 26 years old, 80 hours a week,
somewhere in the neighborhood of 85, 90,000 a year.
No life. On Saturday and Sunday,
I was showing up to the TV station at 3.30 or 4 in the morning to prep for the TV shows.
A lot of people don't realize this.
If you're doing news broadcast, you're getting to work at 3, 3.34 in the morning. But since I had no
life and I was making good money, certainly at that time that was good
money. 17 years ago, right? I had flow coming in that was going to account and
I thought I was bigger than what my britches were.
And I decided to invest in businesses.
One of the businesses, this is how
I got a lot of the education for what we're doing today
with brokering businesses and raising capital for businesses
and helping them expand.
One of the businesses we brokered into,
one of the business we invested into was Hollywood Shades
and the University Shopping Center.
A couple of doors down from the Papa Johns.
I think this is where the tennis shop is located now.
If it's not where the tennis shop is located,
it's where that Blue Ridge, that new Blue Ridge educational business is, where you can
learn how to play chess or learn about robots. And this is what I learned from
Hollywood Shades. I invested into that business nearly $20,000 of my money.
And I said in 2008, my partner,
who owned the Dippin' Dots franchise,
David Varell, fantastic man, great businessman,
we said we are gonna come with a concept
because Sunglass Hut was closing in Fashion Square Mall,
so we were gonna be the only sunglass,
luxury sunglass retail store in Charlottesville
and Elmora County. And we said we're going to open this luxury sunglass retail store on Ivy
Road in the University Shopping Center by Boar's Head and Farmington and capture the Westside crowd
where the money is. We had parking. We were locally owned.
I was talking about it on legacy media. And this is what I learned from this. I learned
A, investing in the business if you are not actively involved with the business is a precarious position. I learned B, opening a luxury sunglass store in 2008 right
before the economy was about to crash was not a fantastic idea. The timing was
terrible. That was just bad luck. I learned C, when the economy crashes and
people's real estate values drop and people's stock portfolios erode in value,
even the wealthy spend less.
People make the statement that Charlottesville's insulated from macro trends.
I saw firsthand in 2008 and 2009 when I put 20 grand of my money on the line here with
my partner to open a luxury sunglass business.
That was not the case.
Even the wealthy in Charlottesville and Alamaro County
cut back on spending, especially on luxury goods.
And I also learned this, the most important lesson
that I learned from this business failure.
The peddler of knockoff sunglasses on the downtown mall that has a fold out card table
and pays the city a peddler's license to sling knockoff hats and knockoff scarves and
knockoff sunglasses and all the other tchotchkes that are offered on those stands and I'm not
throwing shade against those guys.
Those guys are making an honest living,
peddling stuff on the downtown mall.
I give them props for being entrepreneurial.
But the people peddling those knockoff sunglasses
that were 15, 20, 25 dollars, 50 dollars,
those people absolutely are competing
against Jerry and David's Hollywood Shades
in the University Shopping Center that are selling Dolce and Gabbana and
Versace and Ray-Ban and and and Oakley for 250 350 and 450 a pop and
My point is this a
consumer
Despite having money and still going to ask themselves this question,
can I get this experience, or can I get these sunglasses, or can I get this food
at the best scenario, the best cost base possible? And just because you have wealth,
my dad would always make this statement to me. He said people got
wealthy a number of ways. They got wealthy some folks by inheriting
the money and if you're one of those folks, God bless you. Congratulations. I'm
not, you're not. Other folks got wealthy by working their ass off. I try to embody
that, you embody that, viewers and listeners embody that. Other folks got wealthy by working their ass off. I try to embody that. You embody that.
Viewers and listeners embody that.
Other folks got wealthy by making smart decisions and being frugal with their money.
And the average Joe and the average Sally is going to climb the wealth ladder by either
inheriting it, working their tail off, being extremely frugal, working the 80 hours a week
to get there, making strategic decisions,
investing into real estate that turns into passive income
or mailbox money.
But the large portion of the population,
just because they have their money, especially the folks that
earned it and had to fight tooth and nail for it,
do not say that those folks aren't going to be the ones that say, oh, I can save 20 or 25%
by eating this at home versus going into a location.
There's no way you're saving money ordering from DoorDash.
I would push back on that.
Okay, you can push back, but you'd be wrong.
You're going to put the DoorDash fee into well as why you would not be saving money right? I mean
if there's the tip on door dash synonymous with the tip of inside
eating at a restaurant it is not. It depends on the person. If I always tip at
least 20% for a driver. You tip 20% on the delivery of the total bill with door dash on top of the door dash fee
Yeah, I like to treat my driver as well. I've been I've been a delivery driver. Well, you know what you're
You're a generous person. I
Would bet you that the viewers and listeners that are watching this program
And I'm curious of the viewers and listeners that are watching the show here
Do you tip the 20% on the doorDash delivery? So you're tipping not
only on the food, you're tipping the 20% on the DoorDash fee as well. Does it
matter? Do you understand what I'm saying though? Yeah, yeah, but you're tipping 20%
on a DoorDash fee. Or I could be tipping 20% on the actual cost of the food.
No, but you're tipping 20% on the door-dash fee, aren't you?
You look at the bottom number of that ad 20%
We're getting in the weeds.
I'm not sure why that matters.
But is that what you do?
Look at the bottom number of the total bill and tip 20% on it?
Depends.
OK, that is probably more like a 30% or 40% tip
that you're giving right there.
I know how to do math.
Okay, well I'm just saying that is extremely generous.
That is extremely generous.
And I'm giving you, I'm trying to give you props here.
I'm not saying I tip 20% on everything including the delivery fee and the X-fee and the...
In your scenario you are right, in your scenario you are right, that that bill is more than if
you eat at the restaurant.
Anybody can save money by being a ‑‑ I'm not going to go ‑‑ I'm not going to start
name calling.
But anybody can save money by not tipping.
I'm not saying not tipping.
I'm saying that if you go and you're tipping on not the DoorDash fee. I would think that the delivery drivers that are getting the food,
the delivery drivers that are delivering the food,
if they're getting 10 or 15 percent tips on the delivery right there,
they will take that nine times out of ten.
What do you mean they'll take that?
They would take a 10 or 15 percent nine times out of ten on DoorDDash delivery. Well once they've taken the delivery they have no choice. I would
bet you a good chunk of people do not tip DoorDash drivers or are tipping like
one or two bucks. That's why you see horror stories. Right. From people saying
oh my my delivery driver was a horror. It's like yeah. You've noticed that
you back can we tell the story back in the day?
Of trips that you've taken back to huge neighborhoods like Gledmore
and previous lines of work? Tell the stories that you relayed to me.
This was 20 years ago you did this work.
I mean I don't have a whole lot of specific stories. I remember a story you
told me about driving to G Glenmore 20 years ago.
Can I tell the story?
I don't want to speak out of turn if I can't.
Sure, I guess.
Twenty plus years ago, this gentleman, Judah Wickower, was a delivery driver for Domino's
Pizza.
Am I right?
Yeah.
And when he was 20 plus years ago delivering pizzas for Domino's Pizza, he would have to
drive all over Alamo County, which is a massive county,
the sixth largest county in the Commonwealth of Virginia.
We had an area.
You had an area.
One of your areas.
Casablanca was probably the farthest
because once you get there, you still
have to drive through the neighborhood.
That's the point I'm making.
That's the point I'm making.
Hopefully you were taking two or three or even four deliveries
to Glenmore.
But there was oftentimes when he was not
doing that as the delivery driver in Glenmore, a wealthy community. And who were often the
worst tippers on your pizza delivery route? They very often are. The wealthy. Because
the wealthy became wealthy because they were frugal with their money. Some would say cheap,
some would call it highway robbery.
Some would call it wrong.
Some would call it dirty.
I would say it has to do more with a lot of them
not having earned their money.
That neighborhood, that's not the case.
I lived in that neighborhood.
That neighborhood is not the case.
There's other neighborhoods in this community,
which I will not name the other neighborhoods.
I'm not going to tarnish the other neighborhoods.
There's other neighborhoods in this Central Virginia community where it's inherited money. In
the Glenmore money, in the Glenmore neighborhood, it's earned money. That's
not inherited money. That makes it even worse. Okay, it's, I'm, but my, that's the
point I'm making is the people have gotten to that point because you, some
people can call it cheap, some people can call it frugal, some people can call it
penny wise, some people can call it tight, some people can call it frugal, some people can call it penny wise, some people can call it tight, some people call it mistreatment.
But when a pizza delivery guy 20 years ago would drive from, where was the location that you were working out of?
It was on Stewart Street.
On Stewart Street, the one that just closed and moved to Pantops.
Did it?
Yeah, it closed. It's now in Pantops and the old Lilo's Pizza Location, the old Christian's Pizza Location.
Domino's is now in the giant shopping center.
But on Stewart Street, he would drive from Stewart Street
with a pepperoni pie all the way to Glenmore and Keswick
in the back of the neighborhood.
I lived in that neighborhood.
That neighborhood is effing massive.
900 plus rooftops in that neighborhood.
It could take you seven minutes just
to get out of the neighborhood once you're in the gates. And you'd get like a buck or two with some
houses. You are working for less than minimum wage at that point.
Yes, but there are all kinds of different customers.
I get that. I get that. My point is this. I would bet if you pulled the average DoorDash driver in Charlottesville,
they would jump at the opportunity if they were guaranteed 15% or 10% tip on food, not the DoorDash fee,
but the food, cost of food goods, 10 or 15 percent tip guaranteeing on that every time they
would jump on it. Okay. I guarantee you that and in that scenario where you're
having food delivered to your house Judah and you're paying a 10 percent or
15 percent tip on that, it is less money to have the food delivered to you than
to go get in your car, put your clothes on, pay money for gas, walk to your car, pay for parking, go into the restaurant and tip 20% on eating
in the restaurant.
If you're ordering a lot of food, that may be true.
Judith.
We have differing perspectives, which is what make the show great, right?
You're looking at this through the eyes of a single bachelor.
I'm looking at this through the eyes of a married man with two children with voracious
appetites.
And are they really not sure if they're going to go to the restaurant?
I would argue that those people were not going to go to the restaurant in the first place. Unless it's a very special occasion and they decide to bring the kids
with them, they're not a candidate for going to the restaurant.
Georgia Gilmer says her family, they tip her photo on screen. And make this point here,
we're going to spend some time on this. We have to get to the flip book of Ivy Road.
I don't want it in the rundown anymore. This is totally my fault. This is not
your fault. It's 100% me. 100%. I don't even know what the flip book is. I will offer the flip book.
Georgia Gilmer says her family tips 17 to 20% to Instacart drivers on the subtotal of the order.
So not on the Instacart fee. Right. Then she says this, we talk to some Instacart drivers
and most people do not tip more than $4 on trips
for distances that great around the city.
That's what my point is.
You talk to the DoorDash and the Uber Eats
and these delivery drivers,
they're only getting a couple of bucks tipped to them.
So if somebody, if they were able to guarantee
a 10 or 15% tip just on the
food cost, not the door dash fee, they would jump all over that. And in that
scenario, when you're receiving the food and you're only tipping, and you're not
only, that's the wrong word, you're tipping 10 to 15% on the food cost.
Remember, you're not tipping for the water refills, the coffee refills, for the
plate clearing.
But you're arguing that somebody that's
going to tip $4 for a delivery wouldn't do the exact same thing
at a restaurant.
And I find that extremely hard to believe.
See, I push back on that.
When you're in the social setting of the restaurant
and you're interacting with the people on multiple occasions,
the waiter or waitress making human connection with them
as they're taking your order, as they're giving you your drinks, as they're refilling your drinks, as they're clearing your plates and bringing your food, that causes, that creates a human connection where you feel compelled to tip.
You and I say this all the time. When we go and sit down at a restaurant and we eat, we tip 20% and it's, you have to do horrible service not to get 20% from us.
You have to be crap server not to get 20% from us.
And that's because we have a connection with these people and we do the right thing.
I'm telling you right now when DoorDash comes to me and I have food delivered,
I'm tipping on the food 10 or 15 percent depending on when that food gets to me and when I'm tipping that 10 or 15 percent
I see the reaction of the delivery guy and they're like, thank you for your generosity
Because so many of them get one two or three dollar tips. I'm telling you sips tea
Okay, the viewers and listeners are
Confirming what I'm saying
They're confirming that some people tip less.
OK, I don't know that that makes your point for you.
My point is the overall cost of eating the food,
if it's DoorDash delivered to you,
is less than eating in the restaurant,
especially if you factor in the wear and tear of vehicle, fuel cost, and your time. And now DoorDash, we have to stay on, now DoorDash is offering to the
public you can eat anywhere you want and you don't have to pay for it right now. This is
absolutely a headwind, absolutely a headwind for in person restaurant dining. Absolutely
a headwind. John Blair's got some comments here. You make a compelling argument, Judah.
I respect your opinion so much, so much. I want you to have this conversation with me.
John Blair says this. Here's what I think about the Clarno news, the eat now, pay later.
I don't view it as a huge warning light about the greater macro economy. You
and I know that there is a poverty industry in which people have a model to make money
off the bottom one third in the income stratosphere. He's right. Payday loans, renting rooms instead
of apartments, creative financing for car use. You know who I'm talking about. This
is just another stake in the poverty industry in my humble opinion. That's a great point.
I agree.
And those people are not the ones that are regularly hitting
up restaurants to go for a sit-down meal.
But those people will be the ones that
start ordering from restaurants that they
can't afford to get the meal.
And as the restaurants make or fill
the orders for this population that would never go into the restaurant to eat,
but choose to order in and eat now, pay later, that restaurant is going to be A, distracted from what it does best,
serving food in a restaurant setting, B, working for no money. Wait, why would the restaurants be the ones to cover the cost of this?
More, okay, I'm going to try a different approach.
If you can eat now.
Oh, I know that.
And pay later.
Yes.
But more of the fancy restaurants will have customers order food from their menu,
customers like you said that never would go on the restaurant otherwise. Okay. And as those
orders come in to their expo, to their line, and they fill those orders, those restaurants are
going to be working taking more orders for break even or no
money because they're gonna have more come in they're not making any money in
the door dash do you see what I'm saying just because the you're saying just
because the margin is lower on door dash you're saying that the increase in door
dash orders is going to cut back on how they can make money. Yeah. And it's going to cause them to work hard for less money. They're going to do the
opposite of what we do here. What is the thing I always say to the team when it comes to
work? What do I always say? I'm not sure. You've heard this from me for almost 15 years. Okay. With how we work around here. How do we work? Harder not
smarter. I'm joking. This is why you don't be a boss. Work smart not hard. Door
dash when you're a restaurant is the opposite of working smart not hard.
It's working extremely hard and not smart.
You really think that though?
I know it's true.
This is what I do for a living.
I don't run restaurants for a living.
I'm literally working with these restaurant owners. Restaurant owners, we are selling a $1.4 million quick serve franchise.
And he is in the confessional booth with this owner.
If they offer the eat now, pay later, it's going to open up a larger spectrum of customers to these restaurants.
And they're just going to be churning more orders for no profit, which is going to distract
them from what they should be doing, the dine-in service and the experience.
And that's going to be another headwind. I also think another headwind is
if we keep making this third party delivery advantageous, frictionless, less costly or
pushing the cost down the road, it's gonna further convert or change human
and social behavior where the in-person diner
is gonna be less and less and less.
And that's not good.
Okay.
If you disagree, I tremendously respect you.
I get passionate on the show. It's no beef with
you.
No, I know that.
Okay. I'm passionate, but you know. James Watson watching the program. I've noticed
those financing options on every retail restaurant webpage for about a year now. It's not that
surprising to me, but I do see it as a bit predatory for folks who don't have
much money, particularly younger adults. When I was college age I had no clue how
to manage money, racked up credit card debt so I can see younger adults getting
into debt over this. Thousand percent that's gonna happen. Yeah. He said fancy
food does not taste good via takeout. You're missing the experience that would normally get in a fancy restaurant.
That's also true. 100 percent true.
Sandra McDaniel says, one of the best things about living in
a very rural area is that no one delivers.
I've saved so much money on food delivery.
Do you see?
What?
She's arguing that it's more expensive to get food delivered.
That's not what she's arguing.
That's not what she's saying.
Okay.
What she is saying is that there's
nobody delivers food to her because she's in the rural area.
So she's saved money.
You missed the last part of that.
She's saving money because she's eating at the grocery store.
Okay.
So, okay. You want me to ask her?
Sandra, is the point of your statement, one
of the best things about living in a very rural area,
is that no one delivers?
I save so much money on food delivery.
Is the point that you're making, A, you are out of the food
delivery range footprint, and B, you don't eat out or do food
delivery, you buy food at out or do food delivery,
you buy food at the grocery store and cook it at home.
Is that what you're saying, Sondra McDaniel?
I assure you I'm right.
What's that?
Why not both?
I assure you I'm right.
Let's see what she says.
And Sondra, thank you for making the programs better
when you watch the show.
Thank you for making the programs better when you watch the show. Bill McChesney says, I'm trying, John.
I'm definitely trying to be nice.
He says I need to be nicer to Judah.
I'm trying to be nice.
I'm just a very passionate person over there.
The owner of ProRena there.
Bill says a lot of the new rich in Glenmore would get a home back in the 90s and they couldn't completely furnish their home.
I lived there for four years.
I have friends still in the neighborhood and knew many, many, I would say probably half the neighborhood.
Because I was social, walked the dog, the club, you know, club.
It is a stratosphere of wealth that is not the one, two, three percent, four percent.
It's the ones that work to get to that point.
We're talking first gen wealth.
It's not some of the other neighborhoods that it's inherited wealth.
We should conclude with this.
I'll conclude with this, right? The eat now, pay later model is what John Blair said.
It's the predatory payday loans.
And I'm not going to say which dealerships do this where they take the same car and sell
it to three different people at very high interest rates and have a low jack on the car literally to track its location in case
payments aren't made and they're immediately repossessed.
Yeah.
Right.
It's the lottery, right, in a lot of ways.
It's the, I mean, he calls it renting rooms instead of apartments.
It's definitely that.
It's a point of concern for people getting into debt.
Can you imagine getting into debt on food?
That would be terrible.
Okay. It's one thing to get into debt when you're on the car,
and then at least you can go and sell the car.
How are you gonna sell the steak and cheese sandwich and the onion rings you ate on Monday evening when it's Friday?
I don't think we need to go there. But how do you sell it? Yeah, you can't. You see my point? Oh, yeah, I know.
I understand. How do you sell the food from three days ago that's no longer in your body?
Mm-hmm. I mean, what's the collateral on it? That's what I'm curious about.
What's the APR on your food debt? One Stararmiento, I was saving money in Louisa because there was no delivery.
Now DoorDash delivers.
Ugg.
Sandro says she does go to restaurants frequently.
So props to Jude on this.
But she says I just save so much on the delivery portion.
Yeah. Because it's like $7 or $8 plus an extra fee for this and that.
It's insane.
It's like if you compare the two bills,
compare the cost of the food is the same eating out or eating in,
but then you add like $8 to $10 in fees on top of that and then why do you do it? I
Only do it like once a week when I'm already I've got is it strictly the convenience
well
Like I said, I usually only do it once a week at the most when I've got a friend that comes over we you know we
Pour a couple shots and neither of us wants
to get in the car and go driving. So we order some food.
Okay. And ripping some shots?
Yeah. What are you ripping shots of?
Beer. Tequila.
I like it. Good for you.
But yeah, it's a calculated cost. And it's a cost for convenience. But yeah, it's, I mean, it's a, it's a convenience.
It's a calculated cost and it's, and it's a cost for convenience.
And I understand that.
And normally I would just go to the restaurant because it's not going to cost that much in
gas.
It's not going to cost $10 in gas to drive anywhere.
You, you, you just got, you've got a great spot where you live.
But to be fair, it's most places that are going to deliver are not going to deliver
somewhere where you are so far driving that you're talking about dollars and dollars and
dollars.
I think the delivery, the delivery ranges have shifted because they're passing those
costs now onto the user.
If you say so.
I mean. passing those costs now onto the user? If you say so.
I mean. I'm just saying, but yeah, it's a calculated cost
and I understand that I'm paying more for the convenience
and that's why I only do it once every week or two.
Props.
Let's go to Ivy.
Ivy Road, West Grounds, Bill McChesney is right.
Thank you, Bill.
John Shabe, thank you for watching the program.
William, thank you for watching the program.
Carol, Jack Jewett, thank you for watching the show.
TV, radio, and print, watching the program as we speak.
I've promised this topic for three days.
Put the lower third on screen if you could, please, sir.
And Philip Dowell is watching in Scottsville.
He says he eats out once a week, but I love cooking my own food. I can cook a meal cheaper and better.
Same.
Sarmiento says, don't forget they raise the price of the food as well when you do third party delivery.
So he's pushing back on you a little bit.
They might, but you can...
He's saying it's more expensive to do it because they raise the price of the food
Yeah, that's fair you can easily check the prices though against the
Against their actual prices
The dirtiest thing and it will William we're gonna get to that topic the dirtiest thing of the door-dash delivery is
They're like just ripping the menus from these restaurants and putting
them on a delivery website.
Some of them are.
Yeah, that's scummy.
Oh, that's definitely scummy.
Like there are many restaurant owner friend of mine that said they had no idea.
I always go to the restaurant website and click on whatever link they have to that's
on the home page. Now, they may be adopting that because ‑‑
Their hand was forced. Yeah. I'm not saying that they weren't, but
I never just go to DoorDash or Uber Eats or whatever.
Right. Sherry, welcome, and Randy O'Neil, welcome to the broadcast. All right. We have
to get to this topic. Put the lower third
on screen. Listen to some of the iconic buildings that have been demolished or purchased by
UVA. The Villa Diner.
Yeah. I love that place. It had a great little charm.
Yeah. Great gyro, great breakfast.
I don't know if you remember the placemats.
I love the placemats.
Those were a lot of fun, too.
The placemats.
Why?
Because you could draw on them?
Everything Virginia.
Yeah.
It was just a nice little, you know, I'm still a kid at heart.
Yeah, that was great.
That was good, Joe.
Villa diner.
The Cavalier Inn Hotel.
It stood where the School of Data Science stands today.
The Cavalier Inn served UVA families
and Charlottesville community as a reliable place
to stay close to grounds from 1965 all the way to 2018.
My family would stay at the Cavalier Inn.
They stayed there when my brother and I were children
and we'd visit UVA because my dad was a Virginia graduate, 72,
and he loved coming back here.
And my parents stayed there when my brother and I
were in school at UVA, and they would come to visit.
It was demolished in the summer of 2018.
It was purchased in 1998 by the UVA Foundation.
The University of Virginia purchased Ivy Square Shopping
Center, Judah.
The Ivy Square Shopping Center is the home
to many businesses, in particular,
Foods of All Nations.
They made a $20 million Ivy Square Shopping Center purchase.
They've been slowly assembling properties along Ivy Road.
UVA purchased the 7-Eleven convenience store on Ivy Road in 2025.
The closest of convenience stores to UVA for a while.
UVA demolished the store, excuse me, they purchased the 7-Eleven convenience store that
was located at 2025 Ivy Road. They demolished
it in the year 2023. They purchased the Moe's Original Barbecue location. We helped broker the
sale of Moe's Original Barbecue about a couple years ago. Derek Bond, the owner, great guy,
great business.
Great business. UVA is trying to position second years living on grounds there with construction of student housing.
They're clearly trying to connect the Borced,
its trophy property owned by the foundation.
The foundation offices are right next to the Borsad
with grounds and they're connecting the Borsad
with grounds proper through a number of their schools,
the data science school, the Karsh Institute of Democracy,
the Virginia guest house.
This Virginia guest house is a 223,000 square foot,
I mean, just massive 215 room hotel
with 28,000 square feet of conference center space.
The Virginia guest house.
What they've done with Ivy Road is completely re-imagine
this entry quarter or this gateway to the academic village.
And they're doing it for the betterment and for the destruction of Charlottesville in
some ways.
Like anyone can choose to sell their real estate to UVA and they get a payday. But just because
you choose to sell your real estate to UVA and get a payday if you're a
landlord doesn't mean it's necessarily what's best for the business in that
quarter that's renting from the landlord. Yeah. If you notice with IV Square
really care about that I think. With IV Square shopping center I want you guys
to take a peek inside IV Square Shopping Center and you'll see that they're not with the
businesses that are closing there, they're not or moving to different
location, they're not re-upping the leases or filling the storefronts. Go drive
through the Foods of All Nation Shopping Center, you'll see empty storefronts
there. Kenny Ball Antiques moved down
Ivy Road to Hunter Craig's shopping center,
where Selvidge Brewery is located.
Yeah.
Distance himself from Ivy Square,
because knew what the future was for Ivy Square.
I've been here 25 years in Charlottesville, because knew what the future was for Ivy Square.
I've been here 25 years in Charlottesville, came here as a first year to the University of Virginia.
And I have not seen in that 25 year period
one stretch or area have more,
I'll ask you this question
and I'll ask the viewer and listener in this
question in the last 25 years can someone identify a road or a corridor
that has had more change than Ivy Road from where the Cavalier Inn was catty
corner from the tennis courts all the way toward say the borsa
has anyone can anyone give me a stretch that's been more developed changed or
influenced than that one right there probably not like let's I don't have I
don't know if I don't know if I had that answer. Viewers and listeners, can you help me with that answer?
They own the Wells Fargo bank site on Ivy Road.
That's about to go under construction.
What stretch of Charlottesville and Alamaro County, what is that? A mile or two maybe has had much more radical
change than that. Bill McChesney says West Main Street, east of the hospital.
I don't know if that's had more radical change. Have you, would you say West
Main Street? It used to be like what, where Northern Exposure Restaurant was.
Remember Northern Exposure Restaurant? On West Main Street? That's like a Mexican restaurant row right there.
There's a lot of Latin restaurants right there. Mejicales there.
I know that West Main Street's changed and turned over businesses, but I've been here 25 years.
It was always businesses.
Balkan Bistro, the owners of a fig on the UVA corner,
it used to be Balkan Bistro down West Main Street.
It's a husband and wife that own it.
Yeah.
There was always restaurants there.
Yeah. I can't think of a one mile or
two mile stretch like with Ivy Road that's had more radical change in Charlottesville
and Amar County. I would like to hear what you guys think could compete with that kind
of flip book of evolution. Yeah, I don't know. Or development. There was Wings and Things. Yeah. There was Tokyo Rose.
Right.
7-Eleven.
The awesome video store across the street.
What was that?
Sneak Review.
Oh, yeah, Sneak Reviews in the Vivace location.
That was a disappointing loss.
You like the adult movie section a lot right? I don't even
know they had one. I'm such a child. There is a lot so much change. Yeah. And you're
really gonna see the change guys when these construction projects which are
starting now. There's a construction project that's starting right now next to Moe's.
Yeah. That's the old bank.
Right. There's second years coming to live on grounds there.
I guess they're going to say that's going to be grounds.
Eventually. West grounds.
West grounds as Bill McChesney has called it.
It's great name for it. Mm-hmm, Ivy Square
Here's some conversation for your cocktail party you're gonna have some pro run out of beers this weekend and have this conversation
Give me, Bill McChesney makes a good point that West Main Street
east of the hospital because you have the flats. You've got all those hotels
that went up. You got the apartment towers. Yeah. The standard, is it the
standard? And the flats? I don't know. And then you got the Cork Hotel that's now
the Doyle. They're eagerly trying to get us to do some branding and marketing for them, the Doyle
Hotel.
Bill McChesney, I'll give you that.
There's one that can compete with what's happened on Old Ivy Road.
Because 25 years ago, when I first came here, we didn't have the flats, we did not have
the standard, and we did not have the Cork Hotel.
So I'll give you that, Mr. McChesney.
There's one that can compete with it.
I bet you can't come up with another one in the city.
All right.
138 marker on the show. What other topics you want to cover?
I think all the rest are your topics.
What's one here that we could do succinctly? I'll save the retail data for Monday.
This is, I found it was just released by the Chamber of Commerce right before the show started.
And I'm on the listserv with this data being sent out.
The Chamber of Commerce released the 2024 retail sales tax data.
And this is retail and internet sales tax collection.
And six of the seven central Virginia localities tracked by the Chamber of Commerce saw increases.
They were led by Alamaro County which had the largest percent at 7.57 percent. 2023 versus 2024.
Alamaro County collections jumped seven and a half percent. Green County was second at 4.9%. Six of the seven localities, including Augusta,
Flavanna, Louisa, and Waynesboro were all positive.
One locality was negative, and it was negative
by a large amount, 3.4%.
The city of Charlottesville, 2023 versus 2024,
saw 3.4% less sales tax revenue collected.
Chris Engel, who's the Director of Economic Development
at City Hall here in Charlottesville,
he said, there's numerous contributing factors
to why the sales tax collection dropped.
He said, the most significant appears to be
limited opportunity for new retail development
within our small geographic footprint.
John Blair makes this point,
and it's a good point from John Blair,
who's a very smart man, number two in the family.
And John Blair highlights on LinkedIn,
and viewers and listeners,
put your thoughts or comments in the feed,
and I will relay them live on air on the I Love Seville show.
I wanna read this verbatim for you.
Are you ready for this J Dubs?
He highlights that a
Couple of thoughts on the retail numbers first how much of this is due to Dairy Market seeming to have serious issues
Second I would encourage you to go to the UVA corner one weekend while the kids are still in town on Saturday evening
It is definitely nothing like it used to be when we were in school go to the UVA corner one weekend while the kids are still in town on Saturday evening.
It is definitely nothing like it used to be when we were in school.
People are out, but I bet it's 20 to 30 percent fewer people out there on Saturday nights
than pre-pandemic.
He's 100 percent right.
100 percent right.
We're going to be here, be there this weekend. One of my, our oldest son who turned seven yesterday,
his favorite food right now is the pretzels
from Mellow Mushroom.
A lot of people don't know this.
Mellow Mushroom just sold.
And Andrew and his family owned the Mellow Mushroom franchise
for a very long period of time.
It has since sold to another owner that owns other Mellow locations.
It's just not the same foot traffic as it once was.
Definitely not.
Conan Owen watching the program. He's the owner of Sir Speedy locally. He says the
gig economy is driving the poverty industry. We have a whole generation who are happy with
an existence doing gig economy work instead of creating careers and futures and savings
for themselves. They work when they need money and that's it. Judah rolls his eyes and doesn't buy that.
I'm not rolling my eyes, but I don't know.
You did roll your eyes.
No, I didn't.
That's rolling your eyes.
No, going like this is me thinking,
do I agree with that statement?
I knew you were going to disagree with that statement.
Do you buy that?
No, I don't really buy that.
OK, and why don't you buy that?
It may be the case for some
people, but I think in a lot of cases saying that people aren't going for careers I think is
discounting the fact that more and more the jobs that used to be careers are no longer safe jobs. You're in there. Once an employer can get you to train your replacement who
will be paid less than you, you're out. There's no such thing as job security like there used
to be.
That's not true. Certainly at this shop there is job loyalty and security. Certainly at
this firm there's job security and loyalty. You're 15 years on the job here. It's very different than what I'm talking
about but. To say that it's a broad stroke across the board, no security and
loyalty, I don't, I think is the same thing that Cohen's doing where he's
painting an entire generation as gig economy workers. Yeah and I don't mean to
say that's the same way everywhere, but I think I
Go ahead make your point
Just if you just scroll through
headlines in the last year or so
Look at all the
2000
2000 laid off
5000
fired 1800 lose their jobs, whatever.
And this on top of, I think I heard you talking
to the ERPIs about this, the fact that CEOs
and C-suite execs are getting $100,000.
Craig Kent got a $500,000 a year over year
raise, the CEO of UVA Health System, where yesterday they
had a town hall with the UVA School of Medicine.
And at this town hall with the UVA School of Medicine,
they presented to rank and file employees
at the School of Medicine that you're
going to have to take 5%, 10%, or 15% pay cuts,
because we're getting $25 billion in less funding
from the federal government.
And then if you're a rank and file employee
and you're like, wait a second.
This guy just got twice.
This guy got a $500,000 raise year over year,
and you're telling us we have to cut 5, 10, and 15%?
Now, I'm not saying that that's the same way everywhere.
That's bogus.
But there is a lot of that going on,
and a lot of these people who are supposedly
just relying on gig economy jobs, I think, see the writing
or have been the recipient of a pink slip
from one of these places.
Can I give a piece of pro bono advice
to young millennials
and Gen Zers and this younger generation of professionals.
You can try. I'm not gonna stop you.
You can take this for what it's worth,
you can consider it or you can ignore it.
Everyone is so eager to embrace work from home
or work hybrid or work from home,
or work hybrid, or work from remote.
And it may offer convenience,
but it's diminishing human connection, and it's diminishing the loyalty that can be built
by grinding next to somebody in an office or desk setting
eight to 10 hours a day.
When you go to work and you get there 10 minutes early
and you work 30 minutes late and you work through lunch
and you do it while sitting next to your boss
or your boss's boss, you're building loyalty
and human connection and you're building a sense of team. That team and that loyalty
and that human connection, that goes a long way with determining raises and
promotions and whether or not you keep your job when business gets tough. So work
from home or work hybridly or remotely
at your risk.
And it may be more convenient for you in real time,
but in the long term or in the end road,
it's certainly not what's best for your career.
That's a good way to end the show.
We'll have some headlines that we need to get to on Monday.
I encourage everyone to mark their calendar
for March 27th at Pro Renata.
They have a comedian that is a national comedian,
Judah, on the 27th of March.
Tickets are 10 bucks.
Pro Renata's doing things the right way.
Thank you kindly for joining us.
So long long everybody....