35 Burst results for "Bankrate"

"bankrate" Discussed on WTOP

WTOP

01:30 min | 2 months ago

"bankrate" Discussed on WTOP

"And officials say that they still don't know what caused the ship to run aground It's two 55 And we've got your money news at 25 and 55 here's John Aaron It's not often that you hear how living in this area is cheap but bankrate analyst Sarah foster says drivers in Washington D.C. have among some of the cheapest car insurance rates She says D.C. area drivers pay on average nearly $1700 a year on car insurance compared with the national average of nearly $1800 Of course there are plenty of things that can make that number shoot up here Being convicted of a DUI would add an extra close to $1400 a year onto your annual car insurance costs Also getting into an accident That's going to cost you on average an extra $726 a year getting a ticket would cost you around 336 extra dollars a year She says drivers in Miami pay on average over $3500 a year for car insurance John Aaron WTO P news And coming up on WTO P British prime minister Boris Johnson made a surprise visit to Ukraine promising more support for that country We'll have the latest on the invasion that's after traffic and weather It's two 56 Hey you ever wanted to learn a language like French or Spanish or even Norwegian but thought it'd be too difficult or a time consuming then tried babbel.

John Aaron Sarah foster Washington D.C. bankrate D.C. Boris Johnson WTO Miami Ukraine babbel
U.S. Jobs Growth Rebounded Last Month

AP News Radio

00:33 sec | 8 months ago

U.S. Jobs Growth Rebounded Last Month

"Hiring rebounded in October excellent news from the labor department is five hundred and thirty one thousand jobs were added last month very strong October jobs report that saw strong job growth income growth a decline in unemployment and particularly long term unemployment and Greg make pride is the chief financial analyst with Bankrate dot com says there's a good news bad news scenario when it comes to incomes average hourly earnings were up four point nine percent year over year that's definitely good news unfortunately that tempered to

Labor Department Bankrate Greg COM
U.S. Hiring Accelerated Last Month as Workers See Pay Gains

AP News Radio

00:47 sec | 1 year ago

U.S. Hiring Accelerated Last Month as Workers See Pay Gains

"The labor department reports eight hundred fifty thousand jobs were added last month Bankrate dot com's mark Hamrick says this is above the average rate of job growth this year the jobs that we are playing catch up to some degree at the White House just days before the fourth of July today's job news news brought us something else to celebrate president Biden says wages went up to he says the script is being flipped to set of workers competing with each other for jobs are scarce employers are competing with each other to attract workers the president also suggested his economic policies were intended to make it easier for workers to find higher paying jobs hiring in June was noticeably strong in restaurants bars and hotels which collectively absorb the brunt of the layoffs from the recession at Donahue Washington

Mark Hamrick Labor Department White House Biden Washington
S6 E11 - This is what it's like living with someone with PTSD. . . - Full Episode

Courage to Fight Again

29:01 min | 1 year ago

S6 E11 - This is what it's like living with someone with PTSD. . . - Full Episode

"All right you ready. I actually hit record this time here. We go so in the most recent episode of the podcast season six episode ten. I sat down with my wife patricia. I talked to her about the challenges. She has faced in dealing with multiple mental health diagnoses over the years and right after we published that episode. We received an excellent recommendation from a listener. Asking us to tackle the topic of what it's like living with someone with ptsd. And i think patricia. And i are uniquely suited to tackle this since both of us. Have this diagnosis in in. Its for completely different reasons. This episode is going to be an unfiltered. Look at what. It's like to live with someone with post traumatic stress disorder and by way of introduction. This is the we served now. What podcast where. I do my best to answer the questions. Veterans and their families are already asking so you can make your post military life. Your best life money erin perkins. I'm a. us army combat veteran daddy to two amazing kiddos host of this podcast. If you hadn't guessed. And i am joined today again by my beautiful bride patricia. Welcome back to the show thank you. I'm so glad to be here. Well good good so it's been a couple weeks right and last time we talked about the treatments. You're getting and things like that for depression. Talk to us a little bit before. We're gonna dive into the. Ptsd topic talked us a little bit. About how those are going those are going. I'm not going to be very honest. they're painful. I think Winning expecting almost a miracle. I mean you you let somebody shock your head for twenty minutes a day. You expect something but it's actually made my depression a little worse. They said that's normal. It can get worse before it gets better. So actually they're going to re map tomorrow and see if there's a different place. They need to put the magnet. But i think it's gonna go all right. Yeah we hope we hope and pray as well trained for this for that. This works in putting you through a lot of distress but like you said pain to try to to address the depression right. And so that's that's just one part of what can be a result of ptsd another city but the actually brit really brings up our our first thing to talk about is. Let's talk about ptsd a little bit. What it is. And how. I understand it. How do you understand. ptsd how. I understand it is. I mean we all know it stands for post traumatic stress disorder and that can be from your childhood from your teen years from adulthood. Something you went through something. You saw something you experienced. That was just traumatic for you. And i know that it can you know make you. Have you know nightmares it. Can you know how you can have memories of that trauma and then you avoid situations that you know make you think of that trauma and you know a lot of even soldiers you know. They get like hyper vigilant. You know because of how it makes them feel and it can call anxiety and depression as well. I think the hyper vigilance was one of the i. I realize that i that something was wrong right. I knew i had a lot of anger in. I was like i don't know why angry like i'm i'm not in the army anymore. I thought you the anger was just part of just being in the army. You're just mad something every day. And so i thought that it would go away and it didn't in fact he got worse and it. Was that hyper vigilance piece. I always felt. I still do. But i always felt ready. This constant state of readiness hyper vigilant. That's one of the behavioral parts because there's behavioral parts psychological mood in general sleep. And then you know it you can break them all down like you know behavioral is like you know you feel agitated or irritable or hof style or hyper vigilant like you were saying or you know you start doing self destructive things like you know. Drugs are becoming an alcoholic or or if he just completely isolate yourself. That's me raise my hand right there myself psychological as you know flashbacks which i don't have those fear that comes from nowhere severe anxiety failure to trust other people. Because you don't know what's going to happen the mood part of it. You know you lose interest or pleasure in doing stuff that you used to enjoy doing right or you feel like the severe guilt or you are incredibly lonely like you have tons of people around you. You have a family that loves you but you are so lonely and it messes with your sleep. It can cause you to sleep too much. Not enough to have horrific nightmares and a lot of people have detachment from other people and like intrusive thoughts that they just can't get rid of you know that you know. They go through their day and i guess to some other people they might look like legitimate list crazy but they just have these constant like thoughts and some people have to talk it out. You know there's so many parts to ptsd. yeah. I think that's one of the challenges with even realizing that you might have it right because there's so many parts to it. Depression anxiety intrusive thoughts avoiding situations. Not sleeping sleeping too much having horrific nightmares having too much emotion having no emotion at all. There's so many things and so what i was told. People especially veterans is if if something feels off. Don't try to figure out if you have. Ptsd anxiety or depression go to mental health right and talk to the professional about it and let them figure out whether you use the va or you go out to out to in the civilian sector. You go get it checked out. Because there's there's nothing that's not going to hurt you to go get it checked out right and that was a question that i was going to ask you. Is you know like when did you realize you had ptsd. I think it was what year wise was twenty seventeen. I got out and twenty. Fourteen of twenty seventeen anger progressively got worse. The hyper vigilance. And what. I say hyper vigilance. I i don't mean just like you know on edge all the time and i guess that was part of it but for me it was this feeling like i'm about to go into a fight like just ready like i mean you know kind of like almost kind of like a sprinter would be at the starting line. Okay here we go all right. I'm ready. i'm ready and it was like that all the time. That sounds exhausting. It is it really really is it took i say i want to say it took a long time to get past that but truth is i'm up past that no the pd. Has these not a broken limb. You know you can't cast on it and wait six weeks and go back and get the cast off and you're good to go. No i mean people can't get past it it's it. There are stories of people who you know they had. Ptsd and to you know after a few months few years depending on situation you can't get past. It depends on the person. I think it's post traumatic growth right where you know after your trauma you become a stronger person. A bigger percent better person. I don't know if i would. I would say that people ever get over their trauma. They just they build one right in that instead of letting the letting it crush them they use it to to fuel becoming a better person in the end and the thing is it's not always a choice. I don't think this is my opinion right. I don't think it's always a choice whether you get to say like oh. I'm past the worst part of my ptsd. And i'm only headed for post traumatic growth now. I don't even think i've heard that term post traumatic growth. So i don't know. If i would be i don't know if my opinion i mean i hope that's a real thing Veteran futterman talk to me. One time so you're doing it basically you're doing to post traumatic growth thing like you like you know you start a company like you've got a great career you've got a great family you know you've got a beautiful home cars dog you've got all this stuff going for you you're doing life right you're in your a great church like you're doing all these things right and hosting this podcast you're getting so much stuff done okay and i'm like okay cool why don't it feel better yeah really i'm like okay. We'll see if this post traumatic growth. I number one. i'm happy i'm growing. I'm happy growing getting better. getting smarter. Faster stronger whatever it is. I'm happy about that part but like it is this like is post traumatic growth a destination or is it just this constantly journey. Yeah i think it's a journey in. It reminds me of what we heard in church on sunday about walking wounded. And that's what that means is like. Es your wounded mentally sometimes physically but you know ptsd is a mental disorder and your your wounded mentally but you continue to walk. Wounded is when you stop that. There's no growth And so the post traumatic growth is continuing to walk. Even though you're wounded i love. Obviously you we're in the same service. Same church service right and we were both talking about how great it was so we can ask each other. This question okay. What's it like living with me especially within. What's it like living with me. Especially when i'm experiencing some sort of triggering episode so you mentioned 2017 when you first realized that you had p. Tst then it was. You're angry and you know we tried to give you a little bit of space and like you know. Let you breathe calm down. But i think i think you have grown because now you take that space for yourself. You're like i'm going to go run or i'm going to take the dog and we're going to go hike for a few hours. I think that you know living with you. I've able to watch you grow. And and learn how coping mechanisms coping skills. And i think with. Ptsd you have to learn. Those people might not always understand them like. I'm not hiking ninety degree weather with a dog. It's not happening but three you that works that would trigger trigger something not. Ptsd that would trigger anger. It has nothing to do with. Ptsd you you. You've joined small groups that you guys run and you know for exercise in general for you just really helps you a lot of that. Is you know twenty seventeen. We had just moved to alabama and things weren't going the way we wanted them to and life was just really stressful right. And you hadn't even been diagnosed yet. sure sure. So you've you've grown okay. So i don't even ask this question. What do you like living with me. It's amazing it's amazing. I love it. Let next question experiencing some sort of triggering episode. Well i've told you this before but as a man as a husband i feel. It's my duty my job to keep you happy. You know and so a lot of times i think. Ptsd manifests itself in your life as overwhelming depression and crippling anxiety right. And there's not a single thing i can do about it so for me. It's not that living with you is better or worse. Y you know with a triggering episode. It's that my hands are tied right. And so i think it's super frustrating. Because i'm like. I see a problem my wife is in. It's not just unhappy. You know it's like she. Has this a legitimate mental diagnosis. A mental condition that. I can't do anything to fix Frankly doctors can't do anything to fix every single part of that right and that conversation we've had many times because you're like i just want to fix it and i'm like doctors i have and they can't fix it. Release yourself up that burden. You can't fix it and that is so tough as a man who says you know what i'm here to lead my family my wife and my kids and you know kind of you know take charge and we're going to go tackle life together and that is so appreciated but sometimes you just got. It's true it's true like it's nothing you can do. Well that's not true. Okay that's not true space. Give me space. You know like like you did tonight. I had that treatment today and it made me sick today. I was actually really upset stomach today. And i'm just chilling in the bedroom lennon bed phone and you just made dinner that i did that helped i did. I logged off my computer at work and went and made dinner. It was amazing. I don't know if the dinner was amazing. But it's good good good so coming up after the break tricia and i are going to ask each other one more question. We're going to ask this question. Is there anything good about living with someone who has. Ptsd and we're gonna share several takeaways with you. Stay with us. Many americans today don't realize the stress and anxiety they feel is most likely because of their finances according to bankrate.com more than six out of ten people couldn't cover a one thousand dollar emergency seven out of ten. Don't budget regularly. An eight out of ten are living paycheck to paycheck to these describe you. Are you ready to live like others. Can't too many make the mistake of budgeting their lifestyle instead of budgeting their basic needs. I my friend. Marco over at mc business lab has a simple process to automate the basic things. You need to live and then never looking at one of those bills again. Head over to live like can't dot com to get on the wait list for his own line course to learn this automation skill that will significantly reduce your stress anxiety. And if you think one on one attention could be the way for you. You can also schedule your free consultation with marco once again that's live like others can't dot com get on the path to your dream life today all right and we are back and as promised. We're going to talk about ptsd or would keep talking about ptsd right but the question that we have for each other. Do you wanna ask it. I want me to go go ahead. Is there anything good about living with someone who has ptsd. I wrote this question. I still think it's a tough question you know i would not wish. Ptsd on anyone true. I'll start with that so with that in mind. What the good that has come out of it. It helps me to understand other people abso win. I hear about a veteran struggling with. Ptsd or a a veteran's family member or or family member or friend who is struggling with ptsd. I'm like i get it. I know how you feel. I completely understand and so for me. It's if there's anything good. It's that i can better relate to people who are going through the same frustration and anguish and honestly emotional pain when they see their loved one going through this right and i know not everyone copes. Well that's true and so this question might be difficult for some other. Some people listening you know like they're their loved when ptsd is raging alcoholic. Who's angry all the time. In what would you tell that person. That's an even to that. That in itself is even tougher. I think what. I would be telling that person is i. Can't i cannot tell you what you should be experiencing if you're living with someone with ptsd and you're like you know my spouses a raging alcoholic as a result of pd. St how do i find good in that. I can't tell you what good you should find. I i'm in no place to tell you that the only thing i can do is point you to the one that is jesus christ the principe who can give you peace in the situation and and the bible even says you know piece that passes all understanding basically piece. That doesn't make sense. So i can't tell you. This is what you should be feeling. This is what you should be experiencing. But i can recommend you to eat a formula so to speak of how to live better in that situation right and and i would add onto that to a more. You know just. I don't know. Do we say worldly. Come that. Try to under try to understand. Don't don't try to fix but like research. See how you can help your one with ptsd. Because i think not. Understanding is a part of the problem right for years i had. Ptsd and you did not. You didn't understand it in in mind would manifest in depression anxiety in the soldier new said just go exercise pushups drink water burpee strength water and i'm like you so don't get it and it was true i didn't you act totally asked you to research it to better understand it and you you did better understand it but now that you have experienced for yourself it's completely different really it. It really really is just just so different when you experience it for yourself. So i'll ask you the same question. Is there anything good about living with someone who has ptsd. I think it teaches you. How similar to what you said compassion. I mean i've always had a big heart. And i think it's because it's been broken a lot and you don't hurt anybody else because you know what that feels like you know you have more compassion. Because you know what it's like to fill abandoned or left out or or or thrown away so you're not gonna do that to anybody because if you're not a monster you're not gonna do that because you know what that feels like me and so i have probably too much compassion. My heart's honestly probably isn't too big for people. There are worse things that people not for pets. But that's a whole different. That's a big for people. Pets you can have one. That's my ocd. Am sorry that's okay. But yeah i would say me. It's compassionate and i've seen more compassionate you as well 'cause i was saying earlier when you didn't understand it you just dislike. Oh burpee and water. But now you're like. Do you want to go take a nap. You need to lay down like there's way more compassion than there was before so if if anything good can come out of such a horrific diagnosis like ptsd. I mean if you can just you know. Be patient and be kind. You can learn compassion. Sure yeah that's a really good point. So that's it for the questions right now. We honestly united had these types of conversations for year really really long time and and this is just another one of those conversations of how to how to live with someone with ptsd. What it's really like. i. I'm going to go out on a limb here. What's the worst part about living with someone with. Ptsd not knowing how they're gonna react something and so you know there's times when not recently but you know there were times i'm like oh i don't know if i want to tell him this 'cause i don't know how he's gonna react. I don't know where he's at today. You know mentally like you know. He's already got a lot on his plate. I'm kinda it's almost like an egg shells kind of thing like the. You wanna be really careful. You know so so those can be a little. And i'm sure i'm the same way i'm sure you and the kids stay away. Well i think for me and maybe for the kiddos too. I don't know but for me. It's the the worst part you know other other than the obvious of you. Know seeing my spouse going through this right but you know how it how it affects. Your frustrates me is the inability to plan. I love planning. I'm like okay. What are we going to do tomorrow. Six weeks from now five years from now and like i don't know win and might depression depression. Yeah and you're going to be like. Oh sorry man like as much as you would love to go do that. Depression is just crushed. You for that day or week or i mean there are many many times to. I'm going to say through the years that i've pushed myself. You know because. I i wanna do fun things at the family like you know. I think a lot of people feel that way. Like yeah wanna goaded disneyworld and make memories you know and you feel like that that depression creep over you and you just got to push through it as hard as it is. You just gotta you can't quit. You got to keep moving gonna walk wounded speaking of which so i know we. We referenced. The walk wounded message right. So so for those of you. Who don't know this was a message from church. The highlands with A great jura tear in this region of the country. One of the biggest in the nation as i recall got twenty plus camp twenty two twenty. Three i don't even know now. We got a bunch of campuses anyway. The the one of the pastors nikon carter. He spoke any told the story about a guy that will testament by the name of jacob who ends up wrestling with this angel and this angel as he's wrestling with jacob he he knocks jacobs jacobs hip out of socket right but jacob keeps wrestling. He's like hey. I am not going to let you go until you bless me. And so he. He eventually wins the wrestling match. The angel blesses him. And then jacob has to go meet his brother. There's whole back did this to me his brother and as he's going to meet his brother he's limping like crazy. And so even though the angels blessed and basically god putting his hand on him and saying hey like i you know i i love you. I approve of what you're doing. You know i'm blessing right now. Even though god did that he didn't heal him completely soup but jacob still had to keep moving and he had to walk wounded. Right into put in real world speak is like yeah. You can have blessings you can have all these great things in life you can have money. Houses cars land lakes pools vacation homes. But that doesn't mean you're not going to have wounds right from other people from yourself from life itself. Ptsd is usually a a life itself kind of thing so what you gotta keep walking for. Sure for sure so what's another takeaway back to. What we're saying is be patient and educate yourself. If you want to help your spouse or even yourself like okay like read just read read. How other people are doing it and that have been successful and and see how it actually manifests in your own life. Because just saying it's ptsd. I bet there some other things surrounding it that maybe you don't even know. And so educate yourself and be patient with yourself and your spouse if it's your spouse right right and somebody said this is another great takeaway. Here is give your spouse space if your spouse was the one who has the. Ptsd right give them the space they need. I will say that with the caveat if you believe. They are in danger of hurting themselves. Get the appropriate help. Absolutely this is not the your spouse said. Hey i'm gonna take my own life and then you say okay one. That's giving them space. No no no. That's not a time when you need to give them space. That's a time when there needs to be an intervention right. You know so when we're talking to give give your spouse space. it's you patricia. Saying yeah take your dog for hike. Its ninety degrees. go ahead. i'm not with you. I'll be in the pool right. Yeah right yeah gopher run go go do something to to just relax to take that. Take the edge off so to speak. Then so give your spouse space. I think is a really really great takeaway there so anything else any other takeaways. We should share with our audience today. I don't know. I think we've covered it. I mean just to walk wounded. Hold their hand while they're walking did. Oh may that's the that'll pre treat there. that's good. That is so good well patricia again. So much for coming on the show really really appreciate. I know you didn't feel great today but you muscled through it and i'm so so glad you did. I know our listeners grew be happy as well and obviously on this show. We ask a lot of questions that we do our best to answer a lot of questions and we all have a lot of questions but the most important question we can ask ourselves is this. Have i accepted the forgiveness of sins. That only comes through faith. In jesus christ will thank you so much for listening. Be sure to follow social media. Facebook occurred to fight again. Same thing on instagram and twitter ad courage again. You can pick up. A copy of my book resolve at courage to defied again dot com or also on amazon. It has been such a pleasure sharing our hearts in this conversation with you today until next time. Thanks for listening.

Ptsd Depression Patricia Erin Perkins Depression Anxiety Ptsd Anxiety Veteran Futterman Army Us Army Jacob Bankrate.Com Tricia Wrestling Alabama Depression Depression Marco Jacobs Jacobs
A highlight from S6 E10 - Real Conversations on Mental Health (w/ Special Guest: Patricia Perkins)

Courage to Fight Again

34:47 min | 1 year ago

A highlight from S6 E10 - Real Conversations on Mental Health (w/ Special Guest: Patricia Perkins)

"May is mental health awareness month. And i felt it only right to release an episode focusing on the topic of mental health. Now if you've listened to the podcast for any length of time you've no doubt heard me talk about my own struggles with ptsd depression and mon experiences. Not all that uncommon in the veteran community. What you don't often hear though is from the veteran's spouse and on today's episode. I get to sit down with my wife patricia. As she shares the story of her own emotional journey with mental health diagnoses medications. Hospital stays and a whole lot more. This is the we serve now. What podcast where. I do my best to answer the questions. Veterans and their families are already asking so you can make your post military life your best life by way of introduction my name is aaron perkins i am a us army combat veteran daddy to amazing kiddos. Host of this podcast. If you hadn't guessed. And i am joined today by my beautiful bride patricia. Welcome to the show thank you. I'm so glad to be here excited to talk about a subject that i'm passionate about. Yeah absolutely absolutely well. Great to have you here. I'm i'm incredibly happy that you agreed to be on the show. Usually it is me saying. Hey i'm going to be recording tonight. So if you you and the kids can kind of keep it down a little bit and but really really grateful that you here today. So today was one of many days where you're going through this. I don't know call procedure or treatment treatment. Okay so so. Obviously i went with you. Today is able to accompany you to that treatment and it specifically four depression right and so start with today. Let's start with today in a kind of what happened today. And what the treatment is. And let's start there. Sure okay so. The treatment is called. Tm s it means trans cranial magnetic stimulation menendez Treatment that oddly. Enough stimulates your brain. It's post what is supposed to do is to help the neurotransmitters talk to each other better and it is usually reserved for someone who's tried a few different types of medication for depression but it also helps with like anxiety. Ocd and sometimes even physical pain. Okay so so so. This is not a it. Sounds like it's a noninvasive. It's not a surgery type of thing so basically the way they explain it. It's like electromagnetic therapy. Where like in the old days where they would maybe cut. Open your head and maybe electric your brain things like that but this obviously they're not doing that. You can sit down in this chair. It's kind of like the big dentist chair. They strap you all in and they put this big magnet next to your head in a certain spot at a certain level. It's already been determined by your doctor and it made me last twenty minutes. And then you're you're on your way okay. So is that it's not obviously. I know this right before listeners. This is not like a one time thing. This is one of how many treatments you have to get. Okay so today was off my fourth treatment and i think if i did the math right i have at least thirty three more to go. So it's over a nine week period and because of where we live. I have to drive basically an hour and a half to get there. And then i'm there for fifteen to twenty minutes in the drive an hour and a half and and yeah i i definitely know that. That part in itself is frustrating. The drive so let's go back a little bit now so you're having this it might not be invasive but stewart pretty extreme treatment of kind of remapping your brain right yes. It's it's had some side effects already some some anger some tiredness Brain fog lightheadedness. The way the only way. I can explain it. It's like there's a big garden with a huge gate and there's all these locks and each treatment seems to slowly work open a new lock and then hopefully by the end all the locks will be open and king come open and i can be free of depression anxiety. I don't know if that's going to happen. I have faith that it can happen so hopefully it does happen. You me both you both so so take us back a little bit. How did you get to this point. You know obviously you. Have you know some sort of depression or anxiety or whatever take us back to diagnoses and that sort of thing so i i got diagnosed probably sixteen years ago like actual clinical diagnosis of major depressive disorder and house have severe anxiety. I have d. c. Ptsd so what is so ptsd. I know what is cd. Basically childhood post traumatic stress disorder. And then i have. Ocd okay so so ptsd. Veteran community intimately familiar with cps d c p s de. It is then the so. How did that come about. I mean this this is like you know really getting into the nitty gritty of it a little bit but i had parent you know. I had parents that. They weren't believers not that that makes you any less of a good parent but they were involved with things that they shouldn't have been involved with and they didn't have a good relationship with one another so that meant a very rocky relationship with their children and so without getting into too much and making people uncomfortable. This is a really bad childhood really bad and even in my teenage years there was some other stuff that was really bad. So just you know things that people don't really think about as being post traumatic stress disorder. I've heard other people say. How can you even have that. You weren't a soldier. Well that's not reserved for soldiers or servicemen period. Post traumatic stress can happen after a car accident after your home gets broken into after a traumatic. Any traumatic experience you can. Pdf st right right so so with depression. You were diagnosed. She said sixteen years ago crack and so did the anxiety diagnosis. Come along with that or out of that will work. It was shortly after. I think they at i thought maybe it was just really bad depression and they realized that it was both mint so they started treatment to different treatments who different medications and over the years between the two just the depression and anxiety. I know i've had over sixteen or seventeen medications and sixteen or seventeen. I didn't know there were that many others time for i mean i know. There's a lot of medications out there right. But most i know i i'm gonna go out on a limb here and say most people when they're struggling with anxiety depression or even if they do have a legitimate diagnosis of anxiety. Depression or both. It's okay let me go get this. Let me go try it. You know and then if that doesn't work maybe they go try something else but sixteen or seventeen that that just sounds like an extreme number is sensitive to medications and so what may work for a lot of people. Just doesn't seem to work for me. Or i ended up being allergic to it but i will say that i did. This test called a g. e. n. e. s. t. and it's a dna test and that's something that you're psychiatrists can do for you. There is a cost involved but it will tell you which medications and you know. They're all different classes. Work for your dna type so you have a red section and you should stay away from those. You have a yellow section. That may help. And then you have. A green section is more likely to help with your dna type so that can help a lot of people. Stay away from having to try sixteen or seventeen different medications. Sure sure that that's a really good point. And obviously you. You didn't take that 'til later. Right actually took it last year. Yeah so the break i. I wish i could have taken ten years ago. But i don't think even knew about it and that's another thing i would say. Is you know educate yourself. Don't wait on your doctors to find all the resolutions for you. Like feel free to look and research and bring it up to your doctor. you know. it's a good point. So medication is just one side of the depression anxiety. Ptsd just one side of it before the medication happens. There's something that either. Your doctors realize your families realize or you personally realize something different in me. Something is not working as it's supposed to or it's manifesting in in a certain way and i know that when it comes to ptsd specifically it manifests itself in a lot of different ways. They can manifest itself in anger in inability to focus and chronic pain. In a guilt it can manifest itself in different ways. So let's focus on the. Let's say let's. Let's go with depression right the major depressive disorder. How did that or does that manifest itself in your life. The first time. I realized that i might have an issue with. Depression was actually. I had a really bad episode. After i had caitlin so caitlyn's daughter. Sorry caitlyn's her daughter. Yeah she's fourteen now. After i had her. I was sitting just watching tv. And she was sitting there beside me and her little old bouncy seat. And i actually started having these really dark feelings kind of like oppression and actually that coincided with an anxiety attack as well and actually got rushed to the hospital because they thought i was having a pulmonary. Embolism so they thought that. I had blood clots. I was about to die. You know there was but it was a mixture of depressive episode and anxiety attack which i had never felt before and that really scared me and the doctors were able to put me on medication to help with that. It did not stop it but it did help. Sure sure so what what happens next. You know you're you're on this medication. It's helping look what happens. Is there a point at which you realize. That medication isn't working or isn't working as well as it should. Yeah most doctors will tell you you know. Give it two or three weeks to really get in your system if you don't see any changes or if you see getting worse than you're to want to let us know so that we can adjust or change that medication and over the years. That has happened so often. That i i got to this place and i'll say that it's okay to do this if you need to. Own your closet by yourself and cry for a little while. 'cause you're just overwhelmed and nothing seems to be working and you want so badly to be quote unquote normal. Go have cry. Go eat ice cream or chocolate or something. I don't even care. It's okay to do those things. But i got to this place where i was like. None of this is working. I need something completely different. And i think that's when. I did the insight site testing because most of the medications that i had been put on. Were in my red list more in the list that was for your dna. These are not going to work for you. Oh wow so going through this process and the truth is i didn't even realize this at the time we've been married for fifteen plus years and i knew that kept having different medications tried and you like oh. This is not working but we had no idea why. It's not working until this test. You didn't says hey this might actually work for you Yeah that's that stuff okay. So what about the anxiety piece you know. It started with an executive attack How does that manifest itself or did it manifest itself in your life. So i have an odd anxiety like i have panic. Attacks panic attacks but generally speaking. I'm just anxious and it's like my anxiety and my ocd. Like to just hold hands and frolic through my brain and so what. I'm feeling extremely anxious. I have to clean everything so it's kind of like since i can't control my emotions i can't control what's going on in the world. My brain has to find something that can control and the cleanliness in my house. I can control thankfully because you and the kids are pretty neat people. But i have to do have to be able to do something. Control something to calm down. If i don't do that ended up in the closet crying eating chocolate well like you said. That's okay if you have to do. It's not not not every day but so talked about the depression. Talk about the anxiety. Ptsd how does that manifest itself in your life on a day-to-day basis weekly basis. How how often what does it feel like said the. Ptsd is like a whole different monster. That lives somewhere inside of my person. And the worst episodes i have with. Ptsd is when my children especially caitlyn our daughter when she reaches those age those ages where you've espn we. We had talked about this a little bit today. As we're preparing for the podcast but it was as a recall kind of like the same ages or proxy ages where something traumatic happened in your own childhood right so so then. My brain is like imagine that happening to kaitlin. Imagine that having to our son. Christopher and then it's like this overwhelming like it's not a mama bear feeling is a mama dragon. And it's like i will. I will died to protect but at the same time. It's then there's this the the little girl in me is like. How could my mom have let that happen. How could my dad have let that happen. Where was the the parental. where were they. Why did these things even happened. That i have this trauma but we're all human doing the best. We can now. That i'm older i can. I can look at my pass without being completely angry with my parents because they were just doing their best as well. Sure sure so. We're won't take a break real quick but coming up after the break and now you have a few things that you want to share with our listeners. More as encouragement and continuing the story obviously but also practical steps. Stay with us. Many americans today don't realize the stress and anxiety. They feel is likely because of their finances. According to bankrate.com more than six out of ten people couldn't cover a one thousand dollar emergency seven out of ten. Don't budget regularly. An eight out of ten are living paycheck to paycheck to these describe you. Are you ready to live like others. Can't too many make the mistake of budgeting their lifestyle instead of budgeting their basic needs. I my friend. Marco over at mc business lab has a simple process to automate the basic things. You need to live and then never looking at one of those bills again. Head over to live like others can't dot com to get on the wait list for his own line course to learn this automation skill. That will significantly reduce your stress anxiety. And if you think one on one attention could be the way for you. You can also schedule your free consultation with marco once again that's live like others can't dot com get on the path to your dream life today. Alright so here we are back. Second half of the show here with my wife patricia talking about mental health. And it's okay. She's looking at me right now. She's like oh just made a noise like it's okay. Well we'll cleared up. It's fine and so so anyway so here talking to my wife patricia about mental health and about her own challenges and struggles with it. And so obviously there's no one in your corner so to speak. I mean there's the stigma associated with it but there's also no one kind of coaching. You through this of like okay. Well if this isn't working here's what you do right not currently. I've had counselors in the past. You know and they've we've tried to work through things. I have been the hospital couple of times. And i think there's a lot of people who mean well but it doesn't mean it's going to work for you and so i feel it's important that people understand that if you do have a mental illness. It's okay to research an advocate for yourself. You don't have to wait on a doctor or counselor or someone who you feel like is more intelligent or just because they have letters after their name that they know you better than you do feel free. No not feel free. Please speak for yourself. that's huge. That is so huge. And i think that advocating for yourself is such a critical element of getting the help you need. Because when i think of veterans who are struggling right. You know whether whether it's a physical health or mental health concern. They know themselves like better than anyone else knows them and so when they go to the doctor when i as a veteran go to the doctor i have an obligation to myself right to be as honest and as really a as direct as i can like look. This is the problem. This is how. I'm feeling. I'm here for you to help me fix it right. But then there's the stigma especially in the military community. Where if something isn't working right in your brain you're not working right. Oh absolutely that is the stigma is is really and i think the worst thing about mental health diagnoses today at least in america. If not all over the world it absolutely needs to be normalized that your your brain is an oregon and just like your heart and all your heart muscle but you could knees your liver. If any of those things were failing if they weren't working like they were supposed to have so many people around you. Hey what can i do for you. What can i do for your family. Could i get my blood tested to see if i could be donor. How in the world could make your life better but you hear someone is in a three month depressive episode and they can't even get out of bed. I don't see people lining up with casseroles. I don't know. I don't see that happening. You know if you have to leave an event because you had an anxiety attack there's whispers. There's not help this is strong. It is so strong. And there's a you know within the military there is a fear and i will say rightly so that if you say hey i have this particular mental condition it can potentially impact your career and in the civilian world because well as a mom i if another mom i don't know maybe somebody's going to hear this and maybe they don't want their kids hanging out but as a mom you think. Oh can this person actually take care of my kid. While i'm away or is everything issue going to be too overwhelmed. Is she going to have some kind of attack. That i don okay. If you know somebody like that. Just educate yourself right and know that that person wouldn't take on that responsibility if they didn't feel they could handle it. Yeah absolutely and you know. That's a critical point to is. There is so much misinformation out there about mental health. And you know here's the thing. Hollywood doesn't help and i'm not going to rant. I'm not. I'm not trying to say like oh. Don't make movies about people with mental conditions. You know but there is this you know. The joker movie that just came out with a joaquin phoenix. That's joker yeah. Okay so you know. He obviously has a mental health problem. It looks like severe depression and he turns out to be this mass murderer. Right and so people associate edison. He's bipolar but go ahead. Fair enough fair enough so people associate those mental health conditions with something so extreme that they saw on a screen or read an article. now there are extreme cases. it's true. I mean you can't just say that that. No one is that bad off but there are people that bad off that they're not usually the people who look like they're doing okay. There those the people who are really struggling there are more signs right than than you just meeting them. Like if i just walked up to you and said hi. My name's patricia. Perkin tie you doing. You would never think i had five mental disorders right. You know someone. who's that far gone. You know they're going to be showing signs. Oh yeah absolutely for sure for sure and you know the thing is when it comes to mental health when it comes to you know having a a severe enough level of mental health challenges concerns whatever. You wanna call them. If you don't have an official diagnosis right there are so many. I guess levels is probably the best way to put it of of severity. Because you know like saying. Hey i'm feeling depressed for a couple of weeks is a far cry from major depressive disorder right okay. Yeah may i believe probably should have been a little more research but it would be depressed for at least six months before. It is a clinical diagnosis. And so there's going to be events someone dies. A friend moves away. You have to switch jobs then you could go through a you know a few days or a week of feeling depressed. That's normal. yeah exactly. That's the normal depression. That's not the go quick. It'll medication so you can feel better. That's right it's just a normal life happens and you get down and i've even had people say to me. Well you know you have a lot of stuff. You're very blessed. You have a nice home. You have a great husband. Smart kids you you you have you have you have you have. That has nothing to do. With what my brain is doing. I have the intelligence to know that. I a blessed person a blessed individual but that does not mean that my brain is going to let me enjoy all the time. Yeah that's so true. That is so true. And so i just saw an article earlier today from cnbc said fifty one percent of young americans are struggling with mental health. Fifty one percent. I can believe and i think a lot of that if i can just put in. My personal opinion is social media. I'm sure you constantly see people who are throwing up. There highlight reels on instagram. And some of them still on facebook and then those who are throwing out things on twitter but there you're not getting their whole life you don't read what's actually going on. I mean if people looked at my facebook they would see highlights. Because i want to show the good. I don't want to show the days. I don't wanna get out bed. Showed the days where. I'm like begrudgingly. Driving my kids to school because i have to. I'm an adult to do these things. You don't see those things and especially the generation under us. They're so obsessed with social media that they think that's real life. I mean i have a good life. But it's not insta worthy like everything. I do isn't gonna be popping up on instagram. Because it's not real life right. That's just advertising then like you said it's just highlights right. Yeah and so. I want to go back to the stigma piece for just a minute. Because that's a piece that i'm really passionate about and you know in the military you know being healthy being fit to fight. That's part of the job if you're broken your broken leg unit can't use you to go to war right. You have to get that leg fixed. I if you're broken mentally your unit may not be able to use you to go to war because like there's something wrong with you and like the. The thing is with the stigma. It's okay in you know outside of the military that things that your body or your brain is not working like it's supposed to and i've heard so many veterans so min- countless veterans really be rating their brothers and sisters in arms when they talk about having. Ptsd like your combat. Experience was different than mine. Therefore you don't have ptsd or you can't be depressed or you can't be anxious like you're just whining because you want to get paid from the va. You want the va to take care of you. That's ridiculous it. It really is our veterans out there who just looking for that that extra little bit of money out a month sure. There are but by and large the majority of veterans who who are having the courage to stand up and say. Hey i got something wrong in my brain. It's not working like supposed to. They should be applauded and say you know what that is. Surreal courage that you having right now to go and say i need help. Yes it takes a ton of courage and just in time out of being a military spouse and then my time out of it and interacting with veterans and even people who are still currently serving. They they have these but they don't even know how to say it out loud. They will become an alcoholic. But there's nothing wrong with me. I had no problem with war. Or when they get out of the military you know they get hooked on drugs. Oh in the military didn't affect me very much. I'll have i don't have any. Ptsd that that crazy stuff you know or all of a sudden. They're wife isn't good enough. Their kids aren't good enough and they want to be away from them at all times. They don't want that interaction but they say they're fine because they're afraid to say i might be broken inside and might need some help. So instead of having the courage to say that they are literally ruining their lives in other ways right what alcohol would drugs with breaking up their homes with neglecting their responsibilities. That's may there's so much i want to. I want to fix it right. I want to fix the stigma. Problem wanted but there is no easy way to do it. But i think what we're doing right here is having the conversation for the world to hear that. Look it's not just veterans. It's not just veteran spouses. It's according to that article. Fifty one percent of young americans who are struggling with some sort of mental health condition right regardless of what title you go by better in active duty man woman boy girl. Mental health is no respecter of persons. I'm sorry mental illness right. No you're right and mental health needs. You know it doesn't matter who you are. What are what color you are just like any like. I said any other body part in any other thing. That may need attention. Don't be afraid to give it that attention. Don't be afraid to speak up and speak out. Don't let the stigma hold down. Yeah for sure so from our conversation today. I know we're running up on time. So we're gonna wind this down and you know. Obviously you and. I have talked about this a lot and me in the future. I'm sure we will get you back on the show and talk and talk about about this and how fixing your life especially how the team s treatment is grain because he you know. I'm not afraid to talk about right. My inner demons especially can help somebody else. I feel like i feel like god puts us through situation so that we can help other people and if we can't take the bad and turn it around and help someone than what's it for and i have to have faith that it's it's to help others. Sure sure so. We have alluded to these three big takeaways right like the big takeaways from this episode. We've alluded to them throughout the episode. We've talked about them. We've even said them but remind us remind listeners. What those big three takeaways are from listening to this. I would say the first one is to advocate for yourself like i said. Don't be to research. Don't be afraid to figure out what might work for you. Ask for the jewish site testing. Ask for even if you've been on medication for a long time talking about the s you know there are other ways to go about it than just constantly saying in that cycle of pill after pill after pill with no results there. There is light at the end of the tunnel. So don't be afraid to say. Hey i think this might help me. What do you think. Don't wait on them. The second one i would say is. Don't let the stigma prevent you from seeking help Let's there is nothing wrong with you. If you have mental illness nothing like innately wrong review. You are just a person who is struggling and number three. I would say no that you are not alone like you were saying that article fifty one percent of young americans. This isn't even us. The older americans during these are young americans who were struggling. You're not alone. find group. fine fine started group. It right to you know. Don't don't stay alone either. When you isolate yourself things. Things often get worse so definitely seek out others who may have similar problems going on that you can talk through to to have some sort of accountability with and accountability is huge. It is huge and those are the three big ones. But i wanted to add one more. And it's something that i've done personally and it has to do with what i was talking about with social media and it's so funny because our pastors just said at this sunday delete block. You do not have to look at sally. Suzy sampson's and wish it was yours. Delete her blocking her. If if watching her highlight reel is taking your joy. Delete her if mr man who has it all together all the money all the muscles and the most beautiful wife you've ever seen if that stealing your joy delete him bought him because you need to focus on you and yours is so good. That is so so good so patricia. It is been an amazing conversation with you. I wanna thank you personally. Thank you for your courage to come on the show and talk about not just health in general but your own mental health your own struggles with the diagnoses. You know you've had hospital stays as a result had so many things going your life and so thank you so much for talking about this important topic with us you know. We all have a lot of questions but the most important question you can ask yourself is. This have accepted the forgiveness of sins. That only comes through faith in jesus christ and before we go one thing. Patricia wanted me to point out was earlier. she referenced. cpt. St and she called it childhood. Ptsd it is actually complex. Ptsd would she informed me of later in complex. Ptsd is brought about from long term trauma that might be physical emotional sexual abuse own going childhood neglect things like that. It could even be a prisoner of war type of situation that brings about complex. Ptsd so just clarification. There that that was what she was referencing in the second. Half of the episode. You may have heard probably did hear a lot of clicking in the background while that clicking was my burien husky running around on a hardwood floor and unfortunately we can't edit that out he just kind of made a cameo appearance on the podcast so that dog is the way i deal with my ptsd and depression having a pet. It just helps a lot so anyway. Thank you so much for listening. It has been a joy sharing our hearts with you today. Be sure to check us out on social media. We at facebook at courage to fight again. Instagram also occurred to fight again and twitter at courage again and check us out on our website at courage to fight again dot com a whole lot. More resources there well until next time. Thanks for listening. We served now. What is a production of courage to fight again.

Depression Traumatic Stress Disorder Patricia Ptsd Depressive Disorder Anxiety Attack Ptsd Depression Aaron Perkins Depression Anxiety Caitlyn Anxiety Depression Anxiety Us Army Caitlin Stewart Kaitlin
S6 E9 - How to identify what you are passionate about

Courage to Fight Again

26:16 min | 1 year ago

S6 E9 - How to identify what you are passionate about

"This is the we served now. What podcast and if you're anything like me you've had a ton of questions after leaving the military and the lack of answers has left you frustrated and probably a little confused. This show is here to help you make sense of the craziness that is post military life so you can turn your post military life into your best life. Money was aaron perkins a. Us army combat veteran husband to a beautiful wife. Daddy to amazing kiddos and on this episode of the show. I want to talk to you about identifying your passion in life and how you do that. That's a big question. I think we all have even if we haven't put into so many words like how do identify my passion in life. It's like well aaron. Who are you to talk about identifying passion. Well number one. I've identified my own number two. I developed a process to do just that net processes called the nine line framework which i put into the book called resolve. That is just a step by step guide for you. The veteran to help you to rediscover purpose meaning and you guessed it. Passion in your post military life before i dive into the episode today. I want to take a few minutes until you a little story. I myself love stories. I love hearing them. And i love telling them and this story is really near and dear to my heart because it's about my son. His name is christopher and you may have heard me talk about him on the show before But this story. I've never actually shared on the show because actually just happened about a week or two ago and my son christopher almost twelve years old. he's a normal kid. Not a huge fan of school. Really good in school gets really good grades Does everything well is i. I don't know if i would say popular. But you know people like him he. He's just a normal kid. And he. And i we have this unique Father son relationship. I mean we joke around a lot. We have a very very similar Sense of humor. So we have memes that will share back and forth and that's actually across our entire family that we can laugh at together and everything but this story about his passion for video games. Now you might be thinking well yeah. He's eleven year old boy. eleven year. Old kid boy girl the one but he's eleven year old kid and he loves video games. Yeah what kid doesn't we're here's the thing. He is not just passionate about video games. He is passionate about tech in school and his technical classes studying python programming language. He studying java script and his his his little techy and he loves the technical aspect of it. Well there's this that he has for one of his platforms. And it's called beets saber. You may have heard of it. It's on playstation four for vr. And it's on oculus quest to In fact every year. we're pretty much every year. We get a family gift at christmas and this past year. The family gift that we all could use was the oculus quest to and that is a a virtual reality gaming system. That's fully wireless but the headset on. Hold the controllers and you could just play play games fun and while he has been absolutely just going nuts over this thing having so much fun with it. Well again. this game beats saber. You can create your own levels if you modify the game and there is no right or wrong i should. There is a right or wrong way to do it but there is no manual that you can look at and say okay. This is how you modify find the game. So he gets on discord. he's he finds Some experts who know about modifying the game he chats with him for hours. Some of some of them are as friends he's he's played games with everything and he's talking to them. Like how do i modify this game. What do i need to do. He figures out the programs. He needs to us figures out how to roll the game back to a previous edition. Now he knows how to launch the game with these modifications so he can play his own levels on the game. Keep in mind. This had nothing to do with school this nothing to do with any requirement. This was just something that he wanted to do something that he is naturally gifted at and naturally naturally passionate about and that is that's what that's one of the things i wanna point out here. Today is your passion in life is most likely going to be something that you are naturally geared toward you are naturally good at and maybe even it may even be something that you have spent a lot of time practicing and preparing at and you've spent a lot of time working on developing that skill. It could be anything from woodworking to the medical field to an to. I'm the the passion ideas for your life are virtually endless. But you heard me referenced. The nine line framework earlier. And as i look at this nine line framework. You know again. It's it's this step by step guide. It is the process that helps you rediscover passion in your life after the military. And i look at these these lines in here. These chapters and the storage is told about my son. I can see him in these chapters. I can see how his passion is coming out just in the things that he is naturally doing now in the last episode i mentioned and talked about quite a bit actually line four. Which is what is my personality type. you know. why does it matter. And it's not even so much. Why does it matter. But how does that. Impact me and my passion and my purpose for life. And so i'm going to touch on line for a little bit today but i want to give you some examples from line five later in the show about discovering that passion in your life but line four again i used sixteen personalities dot com. You can go there right now. You can take this free assessment to figure out to learn what your personality type is and again that is not the only tool you can use you. Can use myers briggs. You can use the disk assessment. There are so many tools you can use to figure out your personality because in the military unless you are you had a way different experience than i did. They really ask you. What your what your passion was or even more specifically. They didn't ask what your personality was. Just said hey here the jobs you can pick from pick a job do your job and then you go your military career and you get out and now you're here listening to this show and saying man. How do identify my passion in life. What is it that i am passionate about. How do i find that. Well you'll hear me say this more than once. Pick up a copy of the resolve book. That is really your first step to figuring out your passion and your purpose and your meaning in your life after the military but again light for just goes over. What is your personality type. It walks you through that process of discovering who you are and who you're meant to be and line five asks another question it says what do i have to offer. And that's very specific to you. What do you have to offer the world. Because i believe that. A life focused on making a difference in the world as a life worth living. I think that's really what we're all after is that we want to make a difference. Maybe it's just in our own personal lives. Maybe it's in the lives of our friends or family or our church or our school whatever it may be or or if your teacher may be your students you want to make that positive impact and so line five walks you through that process of figuring out what it is that you have to offer so coming up after the break. That's what i'm going to talk about. I'm gonna share some examples and walk you through blind five and sharing this for free and you can pick up a copy of the book on amazon or on kerr's to fight again dot com but i'm gonna share the the line five here with you and some examples that can help you figure out what it is you are passionate about in your life. That's after the break. Stay with us. Many americans today. Don't realize the stress and anxiety they feel is most likely because of their finances according to bankrate.com more than six out of ten people couldn't cover a one thousand dollar emergency seven out of ten. Don't budget regularly. An eight out of ten are living paycheck to paycheck to these describe you. Are you ready to live like others. Can't too many make the mistake of budgeting their lifestyle instead of budgeting their basic needs. I my friend. Marco over at mc business lab has a simple process to automate the basic things. You need to live and then never looking at one of those bills again. Head over to live like others can't dot com to get on the wait list for his own line course to learn this automation skill. That will significantly reduce your stress and anxiety. And if you think one on one attention could be the way for you. You can also schedule your free consultation with marco once again that's live like others can't dot com get on the path to your dream life today all right so as we go into these examples. I want you to have an open. Mind here right some of these examples. You may not even thought of. But i i want you to keep in mind that some of these may not apply to you. Some of the may apply to you perfectly but before we get into those examples and went to review. Read you this quote from a retired general martin. Dempsey actually had him on the show. A few seasons ago A great conversation. You can go check that out. He talks about you know continuing to provide leadership in your post military life again. If you don't know years he is the former or the lissi would number was of eighteenth chairman of the joint chiefs of staff and so again great guy. We had a great conversation. Should go check that out. But i want to read you a quote. He said sometimes we wait for thunderclaps drum rolls and clearly on calls to alert us to what's important when actually it's most often the subtle and persistent signals around us. That make the most difference. I want you to think about that for a minute when you think about your passion and life and what. You are naturally geared toward what are those subtle and persistent signals. So in in the book. I talk about the subtle and persistent signal. I got even as a child as a teenager. Really that writing is something i am. Naturally gifted at is something. I'm naturally good at in fact My mother found a poem that i had written She was cleaning. My room was teenagers. Don't ask me why she was cleaning my room and she didn't make me do it but i'm very grateful for her but she was cleaning my room and she comes into the room and she sees this poem that i wrote and when i get home from school she asked me about it. She says hair. Where did you copy this phone for. Almost didn't copy it. I wrote it. And i'm all of a sudden proud of myself because see my mother had always been this voracious reader with a strong command of the english language so hearing her say something like that. Which implied the poem was of this incredibly high quality right. It has stuck with me to this day. That aaron you you're naturally gifted at that and that the poetry. It wasn't anything i had to do. It was something i had in my head and maybe even my heart and just wrote it down. It was something. I felt naturally wrong to do. Just like my son was naturally drawn to develop this modification for this game and figure out all the additional software he needed and how to modify it and how to play the game afterward. I was actually drawn to writing so in that case even though my son and i we get along great and we have great father son relationship were way different as far as our passions. Go and that's okay. It's the thing is my. My writing skills are they. Were constantly improving through my life and the funny thing is even as i wrote the book wonder like am i the most qualified person to to write this book. Maybe maybe i am gifted at writing right. Maybe i am good at this. But am i the most qualified person and so why do i tell you this right. I tell you this. Because i want you to realize something that i'm still learning myself. The skills you have are probably around eighty percents better than you actually think. I want to say that again. The skills that you have are probably around eighty percent better than you actually think. Now what are get the eighty percent number. You know statistically they say what is seventy. Six percent of statistics are made up on the spot. I will say this. Evidence is more inaccessible and nature. But the things you are passionate about. You are geared toward learning more about it it just this natural thing. It's not something that you can really force. Can you learn things and learn more about Passions in your life. of course. you can't can you learn how to take care of the zales in your garden or in your new hangar. The year rose garden right. Is rose garden on. That makes sense but i looked at my window and saw zulia so i i mentioned it so it. Can you learn about that. Scher will you be passionate about it. Maybe you can develop a passion for it but passionate in your life is is this area of your life. That's built in. Its this natural part view. And so where do you go from here right. What are those examples that promised you a before we get into those examples. I want to share with you just a few questions that you can write down to ask yourself and you can kind of fill these out like to help you figure out where you go from here and figure out what it is you have to offer the world so the first question goes right along the lines of my story. I just told about not only about my son but about myself. I have always been good at blank. Fill in the blank there. What is it that you have always been good at something. That seems easy for you for me. It was english and grammar and for my son. Tech is easy for him. Technologies easy for him super easy a he is are basically our systems administrator at the house. he knows so much about For my daughter the things she is naturally good at and she finds easy music. She finds that incredibly easy from wife. She finds the medical field incredibly easy to pick up on. And it's not because it's not challenging to learn it's because we have a passion for those particular things in our lives. Here's a second question you can ask yourself. I don't know why. But i really just enjoy doing the following things and then list those things what things that you do really bring you joy for me. It's writing it's crafting something from nothing. It's looking at this blank page and putting words on it and impacting the world with a those words. And let's see what's the next one number three this. This is kind of long ones. All probably read it a couple of times. I never thought about what. I'm naturally good at and what i enjoy until what so for this question. Think of a time your life in which our knowledge or skills or ability was needed. Think of a time when you were able to use it and you suddenly realized that brought you joy so i to read that one again and explain that a little more. I never thought about what. I'm naturally good at and what i enjoy until this particular event in my life. I never thought about me being really good at writing until my mother when i was fourteen. Fifteen years old picked up that poland in my room and said hey this is really good. Where did you copy this from. I never thought about that. My son may not have ever thought about how good he is attack. Until i pointed it out and said dude that is amazing that you figure that out on your own you contact the experts in and you did everything needs to do on your own and so when you think we think of that like okay. I never thought about what i'm naturally good at. And what i enjoy until a particular event in your life and you think about when your knowledge or your skills or abilities were needed and and then you say okay. I was able to use it at that point in my life and then you suddenly realize man that made me feel really good. That brought me joy. That was dare. I say it fun and a lot of times. We as adults we. We tend to tend to think like well. You know i'm an adult. I don't need to have funding more. I shouldn't be having fun anymore. I'm more focused on business and and making money taking care of my family. Those are all great things but at the end of the day passion following that passion pursuing that passion your life a lot of times what it feels like is fun just a lot of fun number four thing. You can ask yourself. I was able to make a difference in a person's life by using one or more of my unique abilities which not only made a difference but it brought me joy as well and the question is list those skills or abilities that you use to impact someone's life or to make a difference in the world for me. They'll be writing for my son that might be tech my daughter that might be music for my wife that might be the medical field. So there's so many things that again virtually unlimited number of things where you can find passion in your life and it's those things that you are naturally geared toward they. Here's a few examples. I'm going to review these for you just to give you a sense of where you can find passion in your life and don't get caught up on the stories themselves. I want you to imagine yourself. What is it that you personally find your passionate about. Here's example number one. I was a cormon in the navy. And i learned a lot about helping others in times of medical crisis. I found so much joy. In this. I knew my job well and i knew i was making a difference. Pretty simple right pretty direct and so this person says hey. I knew what i was doing was making a difference. And i found joy in it. Here's another really good one along the video games. A video games idea. I love playing video games call of duty fortnight minecraft you name it. I get a sense of joy out of playing them and truth be told. I'm pretty good at it. My unique personality which i found in line for which i now understand. It equips me well as a teacher and so a combined those elements to start a video game players club in my community. We get together. We eat snacks. Play video games. Hold tournaments and get to know each other better. It's such a great time. And i love it. So being a woman in the navy versus playing video games way different right but still these people can find passion in these things see. Here's a here's another one very a very hands on example. I've never really enjoyed school or sitting in the classroom. But one thing i do enjoy working with my hands getting my hands dirty now that i know my unique personality type again that he learned in line for i understand more about wild like this type of work and why i tend to dislike sitting in the classroom. I love solving problems. I distinctly remember one time when my elderly neighbors toilet was leaking. She asked me. If i knew someone who could help and gladly volunteered myself. I checked out the situation figured out what. The problem was unseated. The toilet installed a new wax ring and reseeded the toilet. She was so grateful. And i had fixed a problem for her. I felt really good about myself. That's huge The the the What do you call it. The joy the inner joy that comes from making a positive difference in someone else's life is absolutely huge. Now here's here's the last example share with you because we're running up on time but this one. I really liked this one. Because i have a dog. I love my dog and a lot of you probably have pets as well but this one says. I am a pet whisper. Yes it may sound silly to some. But i have an incredible heart for dogs cats birds and just about any other animal who is suffering or quote unquote down on their luck. In fact i have adopted two dogs and two cats. I've them better lives. This has been so rewarding to me and it is a passion. I continue to pursue. See the thing is there is not one specific passion that we are all going to find fulfilling the passion in your life is going to be your own. Here's the last thing. I want to share with you how we are built as humans. We're designed to live our best life in the context of relationships with other people. I to say that again as humans. We're are designed to live our best lives in the context of relationships with other people. You know chances are we're not all going to be billionaires or a world famous politicians. Are you know billboard topping musicians but we can all make a difference when we find that passion in our lives. We all have a lot of questions but the most important question you can ask yourself is this have. I accepted the forgiveness of sins. That only comes through faith in jesus christ. I hope you enjoyed this episode. Hope it's been helpful for you and that you've learned at least a little bit about identifying that passion in your life again you can pick up a copy of the resolve book at courage to fight again dot com or on amazon and i will share those links in the show notes as i typically do. Leave us a review. I tunes at definitely helps so much. Of course follow social media kurds. Finding in dot com is our website. Thank you so much for listening. We will see you next time.

Aaron Perkins Christopher Aaron Us Army Myers Briggs Zulia Bankrate.Com Joint Chiefs Of Staff Kerr Dempsey Marco Scher Amazon Martin Tech
How The Automotive Aftermarket DELIVERS Products, Services And Profits

Talking Automotive

07:59 min | 1 year ago

How The Automotive Aftermarket DELIVERS Products, Services And Profits

"Thanks very much for joining us today. Stretch had scraped to have opportunity to speak to you of awkward is so fascinating such huge potential and play such a big part of the industry. Maybe just to kick us off. Can you tell us about just quantify the size of off democracy part of the industry yes show And i think people are often surprised. Particularly the general public are often surprised at the the the size and the depth and breadth of the industry like caught neither the neck older adults together with selling from apple dala dams bathing street. That the entire off the knocker which includes the cockney dealerships and collision repair and styling Tar industries rancid. He fought being almost parameters. Sounds a part of the sector while that's that's not just independent off. But that's sad that that's everything big guys on a vehicle after it some after matter of fact which is the definition of aftermarket intensive on possible by In manufacturing will generally l. other parcel be Now are voted but we still have a very strong viagra. Full drive industry in drug manufacturing industry and that align contributes bet six billion dollars of that. The thousand pots accessories will ties to the thing And ran a billion of that export revenues Way run now we're very globally competitive designing and manufacturing is will drop outs in counties at expo two hundred different countries of the split. All if you look at dealerships repair and service hospices. Independent automatic wiggle ever got bad santa market so we actually a large market shade. The gun the franchise dealerships olga. We tend to serve asli dad warranty. Who said we. We talked vehicles Vehicles and that once a year is greg. Jan decides the dealership in intensive nominees. Employee's the the ivory laugh mac and again asking sad around fifty thousand level. Let's hall because he's the the off repair and service channel employs about two hundred fifty thousand people and west. Night is something like twenty five. Thirty thousand independent workshops nationally. It's hard to get accurate data on that with the recently it's it's an either twenty thousand businesses in the majority of is they're actually family. I am businesses whether they be singled sought at jobs garage. Talk business will rat. A lot of the groups are actually on a franchise grows. They are independent groups that that branch with a particular gory. grosses osu's ira examples of outside the majority of the of the workshops so we say try asmal family owned businesses. And when you look at the as far as the fool drawback censoring crush crush crush. Repair is getting bigger or is it with crush of that was saying with new cows and the young the refreshing of all the safety features in cows that impacted the crash industry. I'll set the we. We represent the quin repair industry. We do we run. A major tried show to aftermarket kushner barracks by side. We have what. I saw it in collision vision of that So we do have putting guys with the industry but we've done rapper face to Representative on a follow pretty closely at what size that that industry has has contracted intensive admiral volumes. It's also significantly consolidated in in rice is you've saying imagine of. Im which is a listed company that has bought a number of individual businesses. Biddle saving proprietor and number of china. And so on. I recently acquired Agra from from san Grindings were imagine via so this is being consolidation and action in the market. I think vehicles more intelligent nasa rathers. There's a lot more assistance vehicle says this at by nature less accidents but but when that happened they they more expensive because a lot of the vehicle needs to be replaced in is level stat. Street rod off now. Because you're just check the Body vehicle repair equally win. Eight deployed Some of the crash signs in front of equal bang man found been impacted on buddy accident site. Yeah look at than expected and also questioned the nfl's onto the service side of things so with the into twenty four thousand small independent family businesses has have you seen consolidation in that area where there's more of the chinese coming through in the aftermarket facility following enough that the spent a lot of predictions about the the the the made bore consolidation specialization and and probably contraction in that market. But i'll be honest we we haven't signed it in the ibs In in recent use it have been workshops are guys but then sprung up to fill the place the iro It's the number of riches. Vehicles has been growing bat to it's probably type. It all forbid now. I would say racing numbers of utah styles of who've had about a year and a half of being impacted economic factors Factors so that would slow. It slightly was saying now going in a secondhand vehicle process iago unanswered for vehicles with revenue secondhand from from australians using crisis about to present her view multiply that across the flight which has been on and million registered vehicles. That's an increase of three thousand vehicles The admiral ladies growing and that some driving the man at work out which means that the the network pretty well is staying about the same size. We are saying more retrained with a pure independent joining an organized group. Now it's i think to be increasingly more difficult for a standalone model independent repair to run. Survival guide vote. We know the technology on vehicles now the proliferation of different brands of big bang so in the try market the naval at diagnostic equipment and technology. And you shop. Silence iowa on what the bankruptcy stories is. Give them business support Business brand Business sam but also a lot of technical training systems beckons systems. The end zone in there. I will to provide access to diagnostic repair services in in any information at at reduce prices cooperative. Buying and sound side. There's a lot of benefit seem. Tonight's correct side we we see greg grind but is not raising why want still be lies independent businesses that just powder that at logic bankrate thing. We will stop. Say it's inevitable is we will start saving more specialized i should

Asmal San Grindings Olga OSU Greg Apple Biddle JAN Agra Nasa China NFL Utah Business Brand Business Sam Iowa
Retail Sales Rose Strongly in January, Driven by Stimulus

Afternoon News with Tom Glasgow and Elisa Jaffe

01:21 min | 1 year ago

Retail Sales Rose Strongly in January, Driven by Stimulus

"Out with the latest monthly retail sales report and earnings results and bankrate dot coms. Credit card analyst head Rossman takes a closer look with Cuomo's time Hubler. Looks like the government stimulus gave retail sales a little jump start. Yes, big jump start here in January. Sales were up 5.3% compared with December. If you look at it year over year, the increase was a stunning 10.8%. This reversed three straight months of declines, and in every single category consumer spent more in January than they did in December and January is normally slow for retailers, isn't it? That's exactly right. Yeah, it was kind of upside down this year because the fourth quarter, which is usually filled with holiday spending. Was actually down, and then we saw this big snap back in January. I think almost all of it can be attributed to stimulus. But the good news is how broad based itwas so it wasn't just the work and play from home theme. I mean, yes, that did well, Elektronik. Appliance stores, furniture, aecom mercy. All that stuff did really well, but food services and drinking place is basically a proxy for bars and restaurants. That was up 7% in January. Department stores were way up clothing retailers these air some sectors that have really been struggling, and they started to turn it around last month department stores,

Hubler Rossman Cuomo Aecom
Retail Sales Rose Strongly in January, Driven by Stimulus

News and Perspective with Tom Hutyler

02:05 min | 1 year ago

Retail Sales Rose Strongly in January, Driven by Stimulus

"A little jump start. Yes, big jump start here in January, Sales were up 5.3% compared with December If you look at it year over year, the increase is a stunning 10.8%. This reversed three straight months of declines, and in every single category consumer spent more in January than they did in December and January is normally slow for retailers, isn't it? That's exactly right. Yeah, It was kind of upside down this year because the fourth quarter, which is usually filled with holiday spending was actually down. And then we saw this big snap back in January. I think almost all of it can be attributed to stimulus. But the good news is how broad based it wa so it wasn't just the work and play from home theme. I mean, yes, that did well, Elektronik. Appliance stores, furniture AECOM Merce. All that stuff did really well, but food services and drinking place is basically a proxy for bars and restaurants. That was up 7% in January. Department stores were way up clothing retailers these air some sectors that have really been struggling, and they started to turn it around last month department stores, especially, that's a great boost for them. On Dove course with the pandemic. Continuing. This is kind of it seems like going against the grain and spending despite that, right now, with consumers stimulus again is a big part of it. But I'm increasingly optimistic moving forward because we're probably going to get another round of stimulus here within the next month or so. Tax refunds will soon be arriving for the bulk of Americans. And then we have the improving virus picture vaccines getting out there more frequently. We see the cases, the hospitalizations. The deaths. Declining, so that's all good news. I think you throw warmer weather in there and just two more progress all around. I think we could be looking at a significant gain here in the months to come. That would be great news. Indeed. Thanks as always, for your analysis, That's Ted Rothman from bankrate dot com. Some financial experts are claiming the risk of overheating, the

Aecom Merce Ted Rothman
"bankrate" Discussed on KOMO

KOMO

02:24 min | 1 year ago

"bankrate" Discussed on KOMO

"Bankrate dot com for its January 2021 Financial Security index, said they could comfortably cover an unexpected expense of $1000 by tapping into their savings. So her what would the rest do well, 18% said they would use a credit card and pay it off over time. 18% said he could handle such a surprise expense without borrowing, but they need to cut back on others. Ending 12%. So they borrowed the money from family or friends. Good luck with that, And 8% said they would take out a personal loan. Often, that means a costly payday loan that could be in a never ending cycle of debt. Let's go back to the credit card option in your checkbook story. You explain why you were concerned about people using that as a way of paying things off. Yeah, it's not paying with a credit card. That's a concern. It's paying with a credit card and not having the money to pay off the balance going into debt to deal with the rainy day expense, like this is a really costly way to deal with the problem. You're paying double digit interest. The current Average rate remains north of 16%, according to bankrate dot com, which can add hundreds of dollars to the cause of that Mechanicsville or doctor's visit that you aren't expecting, and if you fall into the trap of making minimum payments on that $1000 expense, it could take you more than eight years to pay it off Rick eight years to pay off $1000 balance if you only make the minimum payment so many people, especially in today's situation, with a pandemic, curb their their budgets are maxed out their paychecks or just barely covering that. So what's the option? The key is to get started. Modest goal and then build from there as bank reached, chief financial analyst Greg McBride told me successful saving is all about the habit and getting started having direct deposit from your paycheck. The money automatically goes into that savings account will be an easy way to get started. You are saving before you can spend the money and trust me. If you wait until the end of the month and try to save what's left, you will find that there's probably nothing left. You know, I have to ask you about the interest part of the savings account. We all know that that's minuscule right now, Herb, you're not going to run it a lot with the interest. Is there a better way? Do it. Yeah, I suggest. Instead of doing the traditional account you opened a high interest seems account with an online bank. Although these rates have dropped significantly during the pandemic, online financial institutions still offer the highest interest rates on saving accounts. That's where I parked my rainy day fund. The best online savings accounts basically pay about a half a percent A P Y according to Nerdwallet, But that's far better than the national average 0.5%. That's almost nothing and by the way, there's no minimum balance required open most online savings accounts and as long as there F D I C insured as most well known online banks are your money is perfectly.

Greg McBride Bankrate chief financial analyst Nerdwallet Rick Herb
What to know before the stock market opens Wednesday

South Florida's First News with Jimmy Cefalo

04:28 min | 1 year ago

What to know before the stock market opens Wednesday

"One big question, I think that a lot of people's minds with the news overnight out of Georgia and it looking Maura and Maura, like Democrats will control the Senate along with the House. And then, of course, the White House after President elect Joe Biden is sworn in on the 20th. What does that mean for the markets and for the economy? Well, we've seen some volatility in recent days, just based on uncertainty on duh. I think you know there's likely to be, you know, a few different reactions and play. But, you know, I think for someone investor's standpoint, you gotta continue to focus on the long term and long term. Statistics have shown that whether it's a divided Congress or not a divided Congress. Long run markets go up either way s O, you know, buckle the seatbelt and just kind of ignore short term volatility or whatever political posturing, you know, you know, but maybe maybe happening. That's you know, likely to Buffett markets up and down and short term, but you need to maintain a focus on the long term goals. The other thing is that just from an interest rate standpoint, um you're much of it is really hinged on the said on DNO, not on Congress so, but the Fed pledging to keep interest rates low, with the Fed continuing to buy $120 billion a month and long term bonds. We've got an environment of ultra low rates for throughout 2021. How important was it for Congress to pass that latest round of stimulus that relief package? How important was it for the economy? Huge on do you know? Unfortunately, it probably isn't even enough to kind of get us to where we need to be right now that I think the timetable of mass vaccinations by the middle of the year That's the gap. We need to bridge from an economic perspective businesses and if small businesses in particular, and a lot of households that were really hurting financially that you know for months had been kind of running down. Their their savings, exhausting unemployment benefits. It's you know, it's a welcome relief to have that extended But those unemployment benefits that have been extended till March. You know that's not gonna that's not going to get us to where we need to be So in the short term, it was a huge help T the households and small businesses that were on the brink. But, you know, I think we're kidding ourselves. If we think that that's gonna be sufficient to get us to the other side of this I'm joined by Greg McBride, senior vice president and chief financial analyst for bankrate dot com. With the Democrats likely holding power at all levers in Washington, D C moving forward, there's a likelihood that there will be Maura relief coming. Do you think that will be welcomed by the markets? Yes. Now I think you know the counter play to that is that you know, you're also likely to see some concern about growing deficits might fuel inflation down the road. So and and that can have the opposite effect on the stock market. So you know it's one of those where you no way see this where you know the market could be up Big one day and then it's like you know, the referee comes out from under the hood and says after further review. The call has been reversed. And then the next day the market goes down. Right. So you know, markets that embrace one thing One day, you know, could look at it is, you know glass being half empty the next day, or vice versa. That's kind of speaks to that volatility in the short term that I was talking about, But you know, long term, particularly with mass vaccinations. We get the faster pace of economic growth in the second half of the year. You know, I think that's when when things really, you know, we start to kind of grab a higher gear economically, You know, I think you know that That's that's really you know what's ultimately gonna gonna do? That's really the most important thing moving forward. I mean, obviously, the political situation in D C is gonna have an impact. But it really comes down to the vaccination distribution and how quickly we can ramp that up. Yeah, that's the hub of the wheel economically, you know, and it's you know, I mean, listen, if you you know if you did a rip in Winkle and fell asleep for a few months and then woke up, you know again, it's going to be still the vaccinations and the progress there. That's really going to be, you know, dictating not only the health of the economy, but you know, ultimately what we see as a result. With the financial health of households, businesses corporate earnings in the markets themselves.

Maura Congress President Elect Joe Biden DNO FED Greg Mcbride Buffett White House Georgia Senate Bankrate House Washington
Jobless claims rise more than expected after break from holiday

WTOP 24 Hour News

01:03 min | 1 year ago

Jobless claims rise more than expected after break from holiday

"Pandemic continues to damage the economy. The latest sign the number of Americans seeking unemployment benefits jumped last week to 853,000. Hundreds of thousands more have applied. For benefits through a program to help gig workers who have lost their jobs. Joining us now on Skype. Mark Hamrick, senior economic analyst for bankrate dot com Market to have you back Thank you so much. Good to be with you. Gentlemen. These jobless numbers are getting worse. What's going on here? Well, as we said from the outset, Sean and we've been talking about this for a 38 weeks. Now, the impact on the economy is directly related to the way the pandemic is presenting itself. What we know we've been talking about record numbers, so these numbers are essentially a week behind. So as we see the numbers worsen on the health front, there's a toll to be taken in the economy and also, by the way all across here. The D M V. D C. Maryland, Virginia also increases the increase in Virginia. The biggest. We saw 8600 new claims they're up to about 14,000 herself. Mark. Your

Mark Hamrick Bankrate Skype Sean Virginia Maryland Mark
Gripped by surging pandemic, US employers cut back on hiring

AP News Radio

00:51 sec | 1 year ago

Gripped by surging pandemic, US employers cut back on hiring

"The labor department says job creation last month hit the lowest level since April the two hundred forty five thousand jobs added reached a point not seen since the start of the pandemic Bankrate dot com's mark Hamrick says this is being referred to as a K. shaped recovery one part of the K. moving up the other moving down moving up people who are benefiting from the strong housing market record low mortgage interest rates a booming stock market and those moving down those that have already been sidelined or lost income those who'd be working in leisure and hospitality bars and restaurants retail with coronavirus cases and deaths rising what's next we're going to continue to have the situation that is exacerbating income and wealth inequality that is a feature of economic downturns but even more so for this downturn which has been like none other one economist warned this is the calm before the storm at Donahue Washington

Mark Hamrick Labor Department Bankrate Donahue Washington
Federal officials stockpiled munitions, sought ‘heat ray’ device before clearing Lafayette Square, whistleblower says

News and Perspective with Taylor Van Cise

03:15 min | 1 year ago

Federal officials stockpiled munitions, sought ‘heat ray’ device before clearing Lafayette Square, whistleblower says

"So We're learning more these about air, small what federal businesses authorities of were these thinking air bars and restaurants and planning and retailers just before Lafayette also Square the airlines. in the nation's capital Anyone was who's cleared really of reliant protesters on back travel in June, these all days for President is Trump that to some walk across risk the there street some and beneficiaries hold a Bible of in that front as of the well. church. For those, Arrest of laying for example is following of Mike the story do for the business Washington Post with and people spoke who with are Como's making below. road Neil trips. Marissa, It seems Where as though federal officers you know there's a were perception preparing for and probably quite reality a confrontation that we're There safer they seem if we stay to have within been. the They confines were trying of our own to automobile. paint a number On of the different other hand, weapons. Tom of there And are we just interest found out that rate they were sensitive also stockpiling sectors on the housing live ammunition. sector is really Thousands at the top of rounds of the list of live that ammunition are benefiting from the environment in the D. C armory. that is a feature Now, perhaps of low more eye interest opening rates and record we're hearing low mortgage about, rates. We you know, deafening highlighted devices that in our story and even about a great heat dot Ray. com with That the is record right. low mortgage Yes, rates once but again, there's and two that's different course devices set off a that refinancing Department boom, of Defense officials even were with asking millions about. of Americans who could still Right before better these off that from protests refinancing onto you. and shop, First. several One of them is $2 L off rad, their monthly which a payments long range here, acoustic all right, device And let's talk that a is little actually bit about pretty common what has to not have happened a protest. in Washington It can regarding in the the very economic definite relief measure. your Not piercing only is noises. that an To disperse issue as crowds, millions of Americans but more often are it's still without used to make those benefits, loud but also announcement. we've got the shutdown So, looming. for example, Yeah, I'm reminded at a protest of for things they're allowed. my elementary People chanting school criticism L Rod from teachers could be used said to make I announcements was not for living up many to my blocks potential. that people It could feels hear like elected that officials what was in less Washington surprising Commies are following in that the heat model. ray that You know, would we have be called the active Economic denial relief system. legislation that really does need to be That passed is a to continue weapon the that was developed heightened A number of on years a point ago of benefits that that relies payroll protection on technology program very similar plenty to of microwave. need out there. There Send has out these been, I invisible would say some improving beings. rhetoric And if you're on caught all sides in it here lately, heats up the president's the water signaling molecules that he'd in be willing their skin. to sign something well And about make what it the Senate feel had like failed to your advance. skin is burning. We'll Is see whether there any they sense make progress as to why such and oh, a by drastic the way steps were being looked funding at? the You know, federal it's government hard is slated to say to run out and this but mark, way I think they in the will early end up days passing of the a protests continuing resolution out here in D. to C address and that. Alright, there has Mark. Thanks been as some always, unrest for your in insights the nights before that there is was Mark a fire. Hamrick, senior There was economic looting, vandalism, analyst etcetera. for bankrate dot A com. number And of that's cities Como's on Tom at Hudler. the early Come days on news of these time. cursed 1 50 back in Time late for your May or Propel early Insurance June. Money update. And Technology federal shares officials led have stocks said to a that broadly they lower were preparing finished for today escalation that out Jones industrials in part dropped 130 because of that, points But the S on and P the 500 day that this these will 2 happen 28. June The 1st tech heavy NASDAQ the protests composite for slid 140 By and large, peaceful. or one By all and a accounts, quarter percent. folks out there were Among singing the day's and chanting. notable decliners was There a was software no looting. stock that There were a took lot of more self policing than more than happening. doubled in Protestors price in its yelling market at each other debut yesterday. for throwing items Shares that police of Cloud officers Computer Company and Snowflake then when The tumbled rapid 10.4% escalation happened on today. the ground. It was First actually well ahead Solar of has nighttime. announced a It wasn't secondary dark at offering the mayor's some curfew 8.6 hadn't million taken shares effect. So its it's really stock unclear being sold what by an early investor they were planning and for what the solar they panel thought company won't they would need. receive These any devices proceeds for from the sale. you know the ammunition might be First easy enough solar to get. shares But today did they skidded get either 11%. of those other devices? That's your money As now. far as I could tell? They did No not. man. They were asking No woman around different agencies, no one see if anyone left had behind it, but Right for now. It the V doesn't F appear W that they were able It's a to credo obtain either that one. stands Have along we heard after anything our in fighting terms of a days response are over to these requests because our To service this point, never the stops. has Natural We're resources still serving, Committee of Congress which is why is we pledged you are to help doing our it own ongoing investigation. no matter where they That's are in part or when why they need some of us, these allegations came standing to the surface. in lockstep The person with who those brought who forward stood is so a whistle courageously blower in the case, for everyone even major else. in the DC National It's what Guard. makes us the V Says F he was W pretty appalled by Learn what more he saw on at the ground, V f w so lawmakers dot org's are looking into it. I know that Hi. I've heard today I'm Dr from Anita a number Chandra of folks who with are today's tip appalled for kids by what from they're the American hearing. Academy of So Pediatrics sure this is not the last to keep your we'll hear family about healthy all of this. and safe. That's Marissa It's important Lang read to be ready. more online If disasters at washingtonpost happened. dot

Marissa It Como President Trump Mark TOM Washington Post Academy Of So Pediatrics Lafayette Also Square Washington Donald Trump Mike Neil Senate Chandra Bankrate Dot Org Hamrick Vandalism Committee Of Congress
Whats Up With Mortgages and Real Estate

Motley Fool Answers

04:39 min | 1 year ago

Whats Up With Mortgages and Real Estate

"Well, it's been a crazy year pandemic thousands of businesses closed millions of Americans, unemployed. The stock market is still up for the year at least so far your portfolio may not be your only acid or even your biggest asset fact according to Edward Wolff nyu economist. For the bottom eighty percent of Americans in terms of assets. Their number one asset is their home about sixty percent of their net worth is in their house. So, how has residential real estate fair during the virus crisis and how might that change in the future here to help us answer those questions is Jeff Strauss, key senior writer and analyst at Bankrate Jeff welcomed the Motley fool answers. Hey, bro thanks for having me. So let's start with the current state of the house in the housing market. Let's get to the numbers. How have prices been holding out during the recession was surprisingly really well, prices are still going up and I. Think I like a lot of people that fill victim to the whole recency bias flaw. That the last time we had a recession home prices just absolutely collapsed. We had fifty percent drops and values in many parts of the country and so back in March when we started going into recession again I think I know a lot weather's thought. Oh, here we go. Again in terms of home prices and that really hasn't happened home prices have held up home sales are down but if you were people have put their houses on the market and so the supply and demand curve has just shifted. So we've got basically more buyers than there are houses for sale. So we're seeing a lot of bidding wars I keep hearing these tales of a nondescript. House getting thirty and forty, and even fifty bids over a weekend. So home prices have held up surprisingly well, they're still going up part of that is because we've got record low mortgage rates and people have more buying power and then part of it also is just that the pandemic has really changed. Qui Bowls thinking about housing I mean if you're going to work earned, your kids are going to school in your house very much. You can make do with less space but now the that were crammed into to one space and people are working from home and taking classes from home it's You suddenly start to think, Hey, I could use a bigger house. You got a couple of interesting points that I. Let's start with mortgage rates. Crazy low. Thirty year mortgage thirty year fixed is around three percent little bit above little bit below dependent where you look. Fifteen year bit below that. One interesting thing I've noticed though is normally the adjustable rate mortgages are the lowest. But from what I've seen there at the same as a thirty year fixed or even a little higher what's going on with fat? Yeah. That is a weird situation and it's funny that you mentioned arms because it seems like nobody really pays much attention to arms anymore with with fixed rate mortgages being so low for. So long at as you said, they're in the the three percent range or even below for thirty year fixed but they've they haven't been much above that the past decade I am I think they briefly spiked up to around five percent but. When fixed rate mortgages are so low it's in they've stayed consistently low. People just sort of You know lose interest in arms. So it's that's part of it. Part of it is a just that there. There aren't as many lenders offering arms, and so there's there's less. Less apply less widely available so that that probably has something to do some of it also is that the without geeking out here too much but the rates were were based on Libor the London interbank offered rate for a long time in libraries going away at a new indexes coming in so that that might have something to do with it. and then in in times of economic uncertainty, we we do see this this pattern where arms suddenly get more expensive than fixed rate mortgages but you know it's intriguing. I talked to a lot of consumers a lot of. Lending officers lot at mortgage brokers. Nobody's talking about arms they're all talking about. The thirty year fixed and they're they're talking about how many points should you pay? Should you do a thirty or fifteen ten? What's? What are the advantages of different types of of fixed rate mortgages and? That just seems like an arms have been sort of forgotten. They were hot thing fifteen years ago but I almost never hear anyone recommending God's

Jeff Strauss Edward Wolff Bankrate Jeff Motley Qui Bowls Writer Analyst
Number of Americans applying for jobless aid ticks up

WTOP 24 Hour News

03:29 min | 1 year ago

Number of Americans applying for jobless aid ticks up

"Head into the Labor Day holiday with a still reeling job market. Latest raw numbers show 881,000 Americans filed for jobless benefits for the first time last week Now that is a significant decline from last week, the previous week. I should say, however, much of that decline is because of a change in how those numbers are reported, and this new claims survey comes on the heels of tomorrow's unemployment report for August, joining us on Skype to talk about it all more camera ex senior economic correspondent for bankrate dot com. Hello, Mark. Hello, Hilary and Shawn. It's so there's some improvement in the jobs report. But there is a caveat. What do you make of it? There are a lot of real cross currents here, which I think is very, You know, 2020 thing of theme that we're seeing these days. First of all, the main headline number 881,000 new claims That was welcome to the extent that was below a million what she'd really been essentially the pattern we've seen since the beginning of the year. A million or Mohr and 6.8 million In late March, but that's just one part of the picture here. There's still the care is act part of this equation, which doesn't tend to get reported with that other headline number that photo. This is the program that is meant to help gig workers. Some entrepreneurs that weren't typically eligible for this. State administered program was another 759,000 people up by 152,000. So it's very consistent with what we're seeing across the rest of the economy, which is inconsistency. There are some parts of the economy doing well, others that they're not. And I think we're pretty familiar at this point with those that are not doing well on DH some that are well tell us about who is doing well as we're six months into this pandemic. Well, I mean, low interest rates are the principal reason why some people are doing better than others. But so is the stock market, which until today have been doing well. And so the Federal Reserve pushing on that lever, taking interest rates to record low levels, mortgage rates at record lows, housing market doing pretty well refinancing doing well and his demand has come back. Let's just say selectively. The manufacturing sector is doing better as well. Don't forget Home building is doing well commercial, real estate and building not Then, on the other end of the equation, of course, leisure and hospitality bars and restaurants, Transportation airlines retailing. Those are some of the pain points. So mark you mentioned today's big selloff and you've often told us that the stock market is not to the economy. What do you make of those numbers? Despite that? Well, we're back to the lowest level since late August. Hillary. So you know people love volatility when it's pushing stock prices higher. Don't like it when it goes the other way, And I think you know, many had been looking for some retracement here, especially after the big move up back into record territory for these Average is the S and P on the NASDAQ. By the way, the lead up had really been dominated by six major technology stocks, some of which were seen as bridges of success toward the post pandemic era. Let's say there's not a lot of love for energy and financial stocks. So when we get to a place of true healing with the economy will probably see more rotation and they'll be more volatility in the months ahead because we have all kinds of reasons to look for that, not the least of which is the election. All right, Mark, talk to you again soon. Thanks.

Mark Hilary Bankrate Skype Federal Reserve Mohr Hillary Transportation Airlines Shawn
1.2 million seek jobless aid after $600 federal check ends

AP News Radio

00:44 sec | 2 years ago

1.2 million seek jobless aid after $600 federal check ends

"The monthly jobs report for July is due out later today many economists are expecting a disappointing monthly jobs report including Bankrate dot com's senior economist mark Hamrick while we did see some are reasonably robust hiring in the month of June with nearly five million jobs added according to labor department most economists do not expect anything like that here for the month of July in fact it probably fewer than two million and what about the unemployment rate in June I was eleven point one percent still historically high economists think the bank could slip to ten and a half percent in July even with July's expected gain barely forty percent of the jobs lost to the corona virus have been recovered surely a blur Washington

Mark Hamrick Washington Bankrate Senior Economist
1.18 million Americans filed for unemployment last week

Dennis Prager

00:28 sec | 2 years ago

1.18 million Americans filed for unemployment last week

"Laid off Americans of lying for state unemployment benefits last week, bankrate dot coms more, Cameron says It's the 20th straight week of over one million unemployment claims coming into the situation we were seeing. You're than 300,000 new weekly jobless claims and we were celebrating that low number and now you know, we don't see anything like that occurring anytime in the near future, but it was the lowest total since mid March. On a Wall

Bankrate Cameron New Weekly
"bankrate" Discussed on NewsRadio WIOD

NewsRadio WIOD

05:59 min | 2 years ago

"bankrate" Discussed on NewsRadio WIOD

"Well, Bankrate just did a survey asking the question. What would you say is the best investment to buy for a period of 10 years or more? What's your answer? 28% said stocks, and I gotta say to that is absolutely correct over any 10 year period or longer in American history, stocks have performed well, and in fact, I think only three times in U. S history since 1926 has the stock market lost money in a 10 year period or longer. It's never lost money in a 20 year period. Stocks have always outperformed over long periods. Real estate That was the number two choice, 26% said Real estates. The best long term investment, 18% said bank CDs are the best investment I want. The wonder of people are defining the word best in a different way. When I think the surveys asking best, I think they're asking most profitable bank CDs over a 10 year period in a way is that the most profitable but it's certainly ranks highest on safety. 40% said gold is the best investment for a 10 year period and the on ly possible reason. People are saying that is because of gold's performance this year. They're suffering from Recency bias. Gold has been a dramatically underperforming investment over any number of multiple long term periods. You might care to take a look at and yet 14% said Gold was the best investment. 4% said Bonds were the best investment. And I think those folks are going to be shocked to the Seahawk bonds perform over the next 10 years because interest rates are now a historically low levels and if you understand interest rate risk. You know that as interest rates go down bonds go up. So historically, bonds have been a very good investment. But in the future if interest rates are flat or if interest rates rise Bonds cannot be expected to perform his wells they've done over the past 10 2030 40 50 years, and very interestingly, 4% said the best investment to buy for a 10 year plus period. His Bitcoin. I'm impressed. The Bitcoin even made the last. Why? Because I think a few years ago too few people would have ever even heard of it, Let alone say it's the number one performing asset class. And I have to believe that the 4% who said it's best are the people who have been paying attention of Bitcoin because for the past one year, three year, five year, 10 year period as well as year to date, It is indeed, the best performing as the class doesn't mean it will be in the future. But I find it interesting that Bitcoin is now notable enough to be included on a survey of that sort. But I wonder if people's expectations are accurate. Is that what the returns are likely to be over the next 10 years? Well, we know we're in a bit of a mess right now. Raff of bad news this past week, Remington, one of the oldest gun makers in America, over 200 years old filed for bankruptcy this week, General Electric announced it lost $2 billion in the second quarter. Its revenue fell 24%. Spotify lost $417 million in the past three months, Boeing lost 2.4 billion. Starbucks had its biggest loss in 12 years. Its sales fell 40% in the second quarter, and they say their sales are going to fall another 17% in the fourth quarter. Meanwhile, on the news, the stock went up 6%. But you say we try that one again. I don't get it. But what can I tell you? L brands the company that owns Victoria's secret. They announced they're laying off another 850 people. That's 15% of all corporate jobs. They're planning to close 250 stores this year Mondelez they make Oreos, Ritz crackers, Cadbury and Toblerone. Their second quarter sales fell 2.5%. How bad a world is it if we've not by and Oreos? Me sign made a ton of money for the last fiscal year, Except for the last car they sold. They lost 6.4 billion on that last automobile. Gucci's sales fell 34% in the 1st 6 months of the year. McDonald's sales fell 28% in the past quarter. Now, if you've got a scenario where both McDonald's and Gucci are both losing money at the same time, You know, this is a pretty widespread economic problem. How about three AM They've been selling those in 95 masks as well as cleaning supplies. You figure they'd be doing really well, right. Unfortunately, know that part of their business is a very small part of their business. Their total revenue fell 12% in the past three months, Hardly Davidson. Their revenue fell 53% compared to a year ago. On. The American Hotel and Lodging Association, says half of the nation's hotels are in danger of losing their properties to foreclosure. Investors don't seem to care Why, Because all the data I just gave you is backward looking This is how it has been, and we know how bad it has been. And investors were saying, I don't believe that's how it's going to be a investors are still remaining very confident and comfortable that Congress and the feds are going to continue to come to the rescue. Investors are widely expecting Congress to issue a new spending stimulus program to help backstop the economy and the Fed this week has said that it is going to extend seven of the nine lending programs that it created in March. They were all set to expire September 30. The feds says they're going to keep them in place through the end of the year. So investors they're feeling pretty good. So good, in fact, that people who have never before invested in stocks are doing it right now. E Trade says they've opened over 1/4 of a 1,000,000 accounts in March alone, more than in any other year. Robin Hood has opened three million new accounts so far this year. Schwab opened a 1,000,000 accounts in the first half of this year, Maura Than Ever, and 50% of those new Accountholders are under the age of 40. Their social media influencers, hyping stocks to their followers with a lot of get rich, quick stock tips there, swapping their trading ideas on Twitter and discord and read it and other social media sites. Here's the crazy thing. A lot of these folks think that Hey,.

Gucci Gold Bankrate Fed McDonald U. S Robin Hood Starbucks Schwab Congress Spotify American Hotel Cadbury Twitter Victoria
2nd US virus surge hits plateau, but few experts celebrate

AP News Radio

00:40 sec | 2 years ago

2nd US virus surge hits plateau, but few experts celebrate

"President trump is arguing against another blanket shut down of the economy amid a coronavirus search the president says small shutdowns can be very helpful but not a big one like the nation experienced in March and April a permanent shutdown would no longer be the answer at all the president speak his reelection hopes on reviving the economy promising a big rebound but it shrank at a historic annual rate of nearly thirty three percent in the second quarter Bankrate dot com's Greg McBride says that's a deep hole it's going to take years not months to recover that Sager make ani Washington

Donald Trump President Trump Greg Mcbride Sager Ani Washington Bankrate
U.S. economy suffers biggest quarterly decline on record

News and Perspective with Tom Hutyler

01:18 min | 2 years ago

U.S. economy suffers biggest quarterly decline on record

"33% annual rate in the April June quarter by far the worst quarterly plunge ever. When the viral outbreak shut down businesses with Mohr on this historic drop. I'm joined by bankrate dot com Chief financial analyst Greg McBride Greg Good morning. Thanks for being with us the Commerce Department's estimate of the second quarter decline in the gross domestic product. The total output of goods and services marked the sharpest drop on records dating to 1947. And I think that's as far back as these quarterly records go. Yeah, and Tom it wasn't even close set a record setting records for all the wrong reasons, but it was about Three times worse than what had been the previous record holder, if you want to call it that, and and so, you know, listen, not that we needed to wait until today to know that it was bad, but I think it does certainly put it in and you know in Stark, uh, you know terms for everybody. I will say, however, that number is annualized, so it's not like the economy's only 2/3 the size now that it was the end of the first quarter. Now the economy shrunk 9.5% still the worst ever by a wide margin during the quarter if it had maintained that pace for a year. That would equate to a 33% contraction. So they're like the ballplayer hits three home runs on opening day, projecting that they maintain that pace throughout the season. Right? Okay, well,

Greg Mcbride Bankrate Chief Financial Analyst Commerce Department Mohr Stark TOM
"bankrate" Discussed on Newsradio 600 KOGO

Newsradio 600 KOGO

04:08 min | 2 years ago

"bankrate" Discussed on Newsradio 600 KOGO

"Economic analyst at Bankrate dot com mark how do you see it still the Mets Stabat historic economic downturn in terms of capture capturing what has been occurring the statistics do take some time to catch up and so the unemployment rate especially in the month of April was forty point seven percent the expectation as we get something that's pretty close to twenty percent form eight and then there remains to be seen whether that will be the peak there is a good chance that the mai joblessness in terms of the data is the worst of it about as you know as we all know that you've been a rapidly changing situation and so I think we have to be great for let's say the unexpected right still as bad as April slightly better than April or worse than April well I think of the unemployment rate for may will be close to twenty percent that the consensus among economists is anywhere near close and we're expecting millions of more jobs being subtracted from payroll and that's consistent with what we've seen what the claims trump plaza benefits which have totaled more than forty two million sent that cascading you get on the crisis really began to take hold in the third week of March we're looking at roughly twenty one and a half million continuing claims of jobless benefits that are on the books and also roughly eleven million aside from that that are unique to the pandemic program so if you step back from all this because the statistics can be a bit mind numbing you see that there is a case of that about one out of every four workers is currently unemployed or out of work speak with mark Hamrick senior economic analyst at Bankrate dot com previewing the may jobs report out Friday I know you've been pulling economists also where are we on say a V. shaped recovery I think the V. shaped recovery essentially in terms of those hopes of that laptop but the main reason for that is what we think about the expectation but we might have had with respect to emerging from the stay at home borders where in the early stages I think maybe many of us thought this was a two week exercise where I stood outside the nation's capital were basically in the same situation as we were before just about some restrictions but left it but at the end of the day it's not very different consumers are slowly returning to some other previous patterns were saying what stores are open we are seeing increased store traffic we're seeing some resumption of vehicle sales are there some hope in the housing market where our mortgage interest rates are remarkably well R. thank rate quarterly economy survey the consensus among the forecast there suggested the unemployment rate will remain elevated at ten percent in may of next year and GDP broadly terms I would say the consensus is not expected to return to where it was at a for the pandemic before twenty twenty to the GDP big basically the main measure of the total output of all goods and services or grow in the national economy back a one second market talk about those who are not on the radar when we measure unemployment percent and numbers yeah yeah so you know let's talk about the expectation for may roughly I got a plumber rate at twenty percent that will obviously be capturing all those who are wanting to work and unemployed aside from that number however we have millions more who are working part time we would like to have part full time work and so that would fall under the category of under employed as the term goes and then we have those who have exited the labor force these are the people who would not be counted as unemployed because they're no longer looking for work that's millions more as well and so that's how we get to that mess up some judgments based on fact that more than one out of four workers are unemployed thanks mark mark Hamrick senior economic analyst at Bankrate dot com.

"bankrate" Discussed on News 96.5 WDBO

News 96.5 WDBO

01:36 min | 2 years ago

"bankrate" Discussed on News 96.5 WDBO

"If you go to Bankrate dot com and you click on best savings rates you're going to see what's going on around the country there are a number of online banks that are really close together on their rates then they'll be a few trying to attract deposits that are paying generally about a quarter point higher I would say a quarter point higher is enough that maybe what get one that is separating itself from the crowd with a higher rate when you go to Bankrate dot com and you look at these rates you'll see right on the front screen savings rates click on it it first they'll show you who's paying to being listed first and those institutions usually are paying below what others are paying slide down a little more and then you'll see the list of who's actually paying the most never put more than a quarter million in any one of these accounts and make sure that any institution you put your money on is either FTI see insured or in C. U. A. ensured Joel Clark Rudy says I want to know if I should buy a new truck now or should I wait till later on in the year in order to get the best deal you're going to find that the best deal with the overhang in inventory is yours through probably the end of June early July there are special situations in the market place especially if you are interested in buying a used truck.

U. A. Joel Clark Rudy Bankrate
"bankrate" Discussed on NewsRadio WIOD

NewsRadio WIOD

04:23 min | 2 years ago

"bankrate" Discussed on NewsRadio WIOD

"New survey by Bankrate dot com insight from Greg McBride chief financial analyst at Bankrate Greg what we're learning well let me know what widespread unemployment you know we knew that there was going to be a widespread impact on on the household income as well sure enough thirty percent of households say that they have seen a decrease in income just since the outbreak of the the pandemic about one in five the on call ready dipped into their savings mandap about that one in six have added to their debt so far the savings in debt numbers yeah I hear the cumulative effect of overtime that that those numbers could certainly grow even as we re open the economy starts so that thirty percent is a big number obviously anyway to put that in perspective is that how what should be expected some of what we know well it's shocking really high regardless but when you considered in the context of an unemployment rate that for all intents and purposes of above twenty percent at this point thirty three million people having problems on a plane for last seven weeks it certainly is not the narrative but it enough none the less it this is an eating economic and financial hardship this is going to be with us for quite some time and I think you know long after the virus is passed we're still going to have this malingering elevated level of unemployment people carrying more debt than people carrying wildflower having less savings as a result of having consumed Montreal that turn the pandemic going on a somewhat related note view point on the survey despite a more than decade long economic expansion and record low unemployment twenty four percent additionally had no emergency savings heading into the pandemic that number is really remarkably consistent over the last decade despite the economic recovery which is the needle never really moved very much certainly didn't improve during that period of time and so we don't we we knew coming into this that the saving situation for many households was pretty tenuous sending back in January which seems like light years ago at this point even then only twenty one percent of households could have covered an unplanned one thousand dollar expense out of their savings and that was the economic expansion ended with a lot of beer with an appointment at a fifty year low and say things are radically different right now and even those that have savings that we see about one in five have already needed to tap into that or speak with Greg McBride chief financial analyst at Bankrate dot com how bout a breakdown by geographic region wall art bell the northeast had been not particularly hard hit been in service for the income standpoint western states as well you know of course you know many of the earliest and and most stringent lockdowns have come in northeastern states as well as California and Washington state so we don't definitely seeing the influence there in terms of the impact on not only income but it you know having the tendency to have increased debt during that period of time we see pronounced levels in in both of those areas as well and some people have actually seen their finances increase during this period yeah I mean so silver lining is that that you know we do see about one in eight have seen their income go up about one in five the same number that kind of blood down some of that emergency savings Hey number of added to it and that includes about half of those that have seen an increase in income they've added to their savings so he has some positive signs there that there's an effort to save some more all of that additional income that that had some of these households have been receiving whether it's not that rare over time that you're getting there's an effort to kind of put that put some of that away just not knowing what lies around the corner economical since Greg Greg McBride chief financial analyst at Bankrate dot com this portion of the program is brought to you by our friends at Harry's we know things are rough right now but your face doesn't have to be that way too if you're doing.

chief financial analyst Bankrate Greg McBride
"bankrate" Discussed on 106.1 FM WTKK

106.1 FM WTKK

04:09 min | 2 years ago

"bankrate" Discussed on 106.1 FM WTKK

"For mark Hamrick senior economic analyst at Bankrate dot com mark what do you think I think it's really all systems go for all respectable jobs report here we had only one hundred forty five thousand jobs out of the month of December we think will get well above that probably something shy of two hundred thousand but if we go above two hundred thousand obviously that would be good as well a leading in the report the payroll processing for Mady pita basically a blowout report with close to three hundred thousand jobs added course we wait that report from the labor department which is different within that eighty P. reading out there were some likely warm weather related impacts at helping to encourage hiring in construction as well as leisure and hospitality those are very whether sensitive sectors and so if you back out the roughly one hundred thirteen thousand jobs added there then you get pretty close to the neighborhood they would expect for the labor department report the elf in the room I guess Connex currently is the the corona virus and I know it's not on the level of the of the flu or something like that what we've seen the store closings obviously airplane routes have been canceled you people quarantined on ships I mean is that alternately gonna have some sort impact the next month or so well zero for the corona virus right now is obviously China and then Hong Kong and so that is feeding into the global economy first of all and you know we think first of all about in our hearts go out to those who passed away or still suffering from the viral outbreak itself but the you know the US economy is not likely to catch a cold from the US on less of the virus is not contained investors LC be betting that it will be and then that is a bit of a ran outside that I think at this point would be much of store closings the the store closing story is interesting because it does seem to be on a beta Macy's being the most recent one and apartment stores are those that seem to be most at risk right now among others retail is obviously very important factor for the US economy what we've had contraction in retail generally we've also seen store openings that have been predominately in areas such as dollar stores that the sort of off price retailers like TJ maxx Marshalls Nordstrom rack part of Nordstrom department stores overall the and even though that disruption is going to continue and including the migration of of more sales growth online retail will continue to add hundreds of thousands of workers every month but they're also be huge displacement or disruption as people of our set out of work because of store closings speak with mark Hamrick senior economic analyst at Bankrate dot com anything alarming in terms of not hiring or lay offs things like that well you know which obviously had a manufacturing bear the brunt of problems related to the global economy the US China trade dispute and now there does seem to be some easing of that tension in manufacturing the goods producing well being the broader description for mining and logging manufacturing and construction so the question now really become hell severe will the impact on the global economy in the US manufacturing sector be from the corona virus and obviously at a human level whether people in the U. S. get substantially threatened by that virus as well I think right now the the money is on that the US economy can breeze on through the US and the other part of that would be that if if things really did begin to take a hit here than what comes into play is having the federal reserve band think seriously about cutting interest rates but everything federal reserve officials have been saying in recent days including what the news conference last week by challenger power which I attended is the something to monitor and they're paying close attention but it's much too early to say that there's going to have a certain there's going to be a significant economic impact in the United States alone thanks mark more cameras senior economic.

analyst mark Hamrick Bankrate
"bankrate" Discussed on Newsradio 1200 WOAI

Newsradio 1200 WOAI

03:58 min | 2 years ago

"bankrate" Discussed on Newsradio 1200 WOAI

"Season according to new Bankrate survey three quarters of us will not increase our spending this year joining us to go in depth on the survey mark hammered senior economic analyst at Bankrate dot com mark what is your survey tell us what we found is that a majority fifty two percent expect to pay about the same for their holiday related purchases or spam in that fashion twenty two percent say that they'll spend the last only about thirteen percent said that they will pay more so I think that this indicates that those are a fair number of Americans are fairly cautious about their holiday spending outlook even with them the the broader environment where consumer sentiment is regarded to be law firm if not robust why did you find that people are not increasing their spending a great deal yeah good questions so the main reason and you might say that this is almost a heartening response a twenty eight percent said that they're focused on saving and and we're happy to see that because as we've discussed with you all many times the number one financial regret among Americans is the failure to save both for retirement and former agencies elsewhere we found that of an almost equal number twenty seven percent was concerned about their finances and or the economy and twenty two percent is focused on paying down debt so these are the reasons that people are not going to spend more this season than last we're speaking with mark camac senior economic analyst at Bankrate dot com marker their differences among different age groups in your survey well some of them are as you might expect for example with respect to spending intentions the propensity to spend more rises with income one that might not be quite as obvious is those who intend to spend more I tend to be less so as ages rise and I think part of that is because obviously seniors do tend to be on so called fixed incomes I like to joke that essentially were on fixed incomes of leisure Warren buffet or Jeff Bezos about the other part is that the reality is that you know very often when let's say the children out of the house when that is you know it has been a factor it may be that older Americans tend to spat and left in that regard when we wanted to know who is focused on saving since we did mention a debt of five that's a key reason why people are sort of being cautious with their spending of those who are focusing on that now the majority of members of generation is the evil later on and for those who are unaccustomed all these labels generations V. as the newest entrant along co who words those aged eighteen to twenty two what we're saying some differences what they see on this group compared to their older counterparts the millennials for example those who are focused on saving among millennials up thirty six percent so substantially fewer that's the group that fate twenty three to thirty eight like you've talked about debts previously are there still people who get too wrapped up in the Holiday Inn excited about buying gifts and they get too much into debt there too willing to put things on their cards yeah I I appreciate the question because it at Bankrate were all about sort of trying to help people achieve their financial objectives and and that doesn't include over spending on things right because you know think about the messaging that's out there this time of year where I mean there are for goodness sake car commercials that are suggesting that you know if you if you're a loving family member you're buying a member like a new car which I can pretty much say from personal experience is not something that we tend to do this morning's Jennifer kissing go with mark hammock senior economic analyst at Bankrate dot com thirty minutes now after the hour.

Bankrate twenty two percent twenty eight percent twenty seven percent thirty six percent fifty two percent thirteen percent thirty minutes three quarters
"bankrate" Discussed on Biz Talk Radio

Biz Talk Radio

08:06 min | 2 years ago

"bankrate" Discussed on Biz Talk Radio

"Bankrate dot com did a survey which found forty six percent of US adults who say they want money to friends and family say that it was not such a good mood thirty seven percent reported experiencing a damaged relationship with the borrower thirty seven percent of those who want to credit card to a friend or family member either lost money or took a hit to their credit score because of it an industry analyst for very great says avoid lending cash and credit cards to friends and family and also avoid co signing alone saying it's okay to just say no free USA radio news on Chris farm. in USA news for your health the government reporting more people have died from vaping and hundreds more sick the CDC in Atlanta confirms twelve people have died from vaping in ten states and the number of people with long injuries associated with the E. cigarettes or vaping jumps from just over five hundred to more than eight hundred now in nearly every state in the country some people so sick there in the hospital on a ventilator to help them breathe for USA radio news I'm Robert Wilensky. don't let anyone. America's best days are behind. you got to fight for this nation. I believe with all my heart the nation is in fact one nation under god. welcome back when it's your shoes on it is great to be here. thank you for being with us. as you go through another day of. the market another day of. I don't know now now you know yesterday was the transcripts today's the whistle blower complaint. and. is out. and I I said this earlier because apparently. everybody you know they're gonna make a big deal of this of course. it alleges trump's abuse of power to influence the twenty twenty election. this is a whistle blower by the way. you never heard the phone conversation. and the person that he heard it from never heard the phone conversation he got a third hand so that's number one. you can almost count on an ideological slant to it number one. and. you can should be able to count on the fact. that it is. your relevant. it is your role of. when you have the word for word transcript. on the converse station. that president trump had even the president of the Ukraine said he was surprised he didn't know when the transcripts that what he said was going to be in the transcript. it had both sides of the conversation. so we can make all the S. some **** and you wanna make like the whistle blower did you make all those assumptions. for. all right you know I know this is really out of the box for Washington or you could actually look at what was said. show. I'm really having a hard time. wrapping my arms around. any kind of frenzy over the red whistle blowers I can't. I just I just I don't know. I guess I'm down planer or overstating applied as Justin irrelevant events for some concern and I don't think it should mean anything. of course. if the markets end up down today they will blame it on this. so maybe it'll be a time to buy if it goes down. significantly. anyway. president trump. and the Japanese prime minister announced a new show details. of the emerging trade deal between the two countries yesterday with trump saying that it would open up Japanese markets to seven billion dollars worth of American products. US trade representative light Hauser said after after a signing ceremony between the two. the two leaders this was done on the sidelines of the United Nations General Assembly that car is the biggest source of dot sixty seven billion dollar US trade deficit with Japan. I were not covered in this announcement he said Japan wanted to are further along those discussions on that issue a little bit. down the road the US trade representative's office characterize the agreement signed by president trump and president all as. early achievements. from their negotiations on market access for agricultural. and industrial goods along with digital trait. now under the market access agreement. we we would be announcing this is Japan are at the U. S. I will be announcing that Japan will open up new markets to approximately seven billion dollars of American agricultural products Japan's terrorists would not be significantly lower or eliminate it entirely Orin beef pork we she. corn. wine and a number of other products. trump trump said at this ceremony but it still opens up. the markets. for those things. now the US trade representative said that ninety percent of US food and agricultural products will receive a duty free reduction in terror an access to Japan's arm but we will still be subject to quota limits. are limiting the volume that the U. S. R. K. and K. and import however many of the other products gaining new access we'll have to face. that phased out over several years no problem this is very very good news for the ag sector and the ranching sector and this goes to our commodity prices that we're going to get in about ten seconds here from Craig how great so we'll go to the AG's report I will keep watching this very closely here's crank Albert we'll.

US president trump president Japan Bankrate representative vaping America CDC analyst United Nations General Assembl Chris farm. Atlanta Robert Wilensky. Ukraine Hauser Washington Justin
"bankrate" Discussed on KNST AM 790

KNST AM 790

02:55 min | 2 years ago

"bankrate" Discussed on KNST AM 790

"Study from Bankrate dot com joining us to parse the study Bankrate senior economist mark hi mark mark what do these numbers tell us a good to be with you thanks for having me well I think number one this tells us that despite the fact there were eleven years deep into the economic expansion in my mind a surprisingly large a percentage of Americans are still focused on trying to stay current on their monthly expenses and so wind there at that sort of would be break even point with a centrally the money coming in and going out every month that means that they quite frankly haven't checked off all the boxes on their financial to do lists breaking that down a little further in your report found that people age fifty five to seventy three were the generation most likely to be focused on just paying bills that was a little surprising to me I would think it would be maybe younger people that are caught up well I think there's the you know those struggles are there's certainly enough of those struggles to go around but I think that to some degree we're talking about people who have really pretty much settled in to their trajectory with respect to the group you're talking they're talking about there and therefore you know there may be some who are are yet upwardly mobile what the income is that they might expect down the road but in many ways their path is really pretty well determined at that point and and therefore they sort of know what what what they have to do and and and so you know this is one thing that I think may be. driving that work what are some of our other top financial priorities well after justice staying current on expenses are getting caught up on bills the second most commonly cited issue was the frankly just saving more money at that was cited by twenty nine percent and I think that this is men in some ways what we want to see now it might be that we would say that we would hope that others would also be focused on that because at this stage as we say of the expansion of more than a decade in we know that there will be a down turn our recession at some point we just don't know exactly when and so that means that we have to try to achieve some degree of financial stability or success while we can after that nineteen percent said they were focused on paying down debt whether its credit card debt student loan debt. could be mortgages for example and then finally the bottom of the list providing financial support to family members and friends so you can imagine that might be for example parents obviously helping perhaps a young person who still embarking on their trajectory of their life path of maybe they might be just getting out on their own in the work force or not a perhaps they're pursuing an education that is this morning's Jennifer because Shinko with more camera.

Bankrate twenty nine percent nineteen percent eleven years
"bankrate" Discussed on KTOK

KTOK

03:08 min | 2 years ago

"bankrate" Discussed on KTOK

"Study from Bankrate dot com joining us to parse the study Bankrate senior economist mark hi mark mark what do these numbers tell us a good to be with you thanks for having me well I think number one this tells us that despite the fact there were eleven years deep into the economic expansion in my mind a surprisingly large a percentage of Americans are still focused on trying to stay current on their monthly expenses and so wind there at that sort of would be break even point with a specially the money coming in and going out every month that means that they quite frankly haven't checked off all the boxes on their financial to do less breaking that down a little further into your report found that people age fifty five to seventy three were the generation most likely to be focused on just paying bills that was a little surprising to me I would think it would be maybe younger people that are caught up well I think there's the you know those struggles are there's certainly enough of those struggles to go around but I think that to some degree we're talking about people who have really pretty much settled in to their trajectory with respect to the group you're talking they're talking about they are in there for the you know there may be some who are are yet upwardly mobile what the income is that they might expect down the road but in many ways their path is really pretty well determined at that point and and therefore break sort of know what what what they have to do and and and so you know this is one thing that I think may be driving that mark what are some of our other top financial priorities well after just. testing current on expenses are getting caught up on bills the second most commonly cited issue was the frankly just saving more money at that was cited by twenty nine percent and I think that this is men in some ways what we want to see now it might be that we would say that we would hope that others would also be focused on that because at this stage as we say of the expansion of more than a decade and we know that there will be a down turn our recession at some point we just don't know exactly when and so that means that we have to try to achieve some degree of financial stability or success while we can after that nineteen percent said they were focused on paying down debt whether its credit card debt student loan debt. could be mortgages for example and then finally at the bottom of the list providing financial support to family members and friends so you can imagine that might be for example parents obviously helping perhaps a young person who's still embarking on their trajectory and their life path of maybe they might be just getting out on their own in the work force or not a perhaps they're pursuing an education that is this morning's Jennifer because Shinko with more camera from Bankrate's reminder by the way we can connect on social media you can friend us on Facebook you can follow us on Twitter at this morning show you can find me directly on Twitter at Gordon deal it's.

Bankrate twenty nine percent nineteen percent eleven years
"bankrate" Discussed on News Radio 690 KTSM

News Radio 690 KTSM

03:05 min | 2 years ago

"bankrate" Discussed on News Radio 690 KTSM

"Us to parse the study Bankrate senior economist mark hi mark mark what do these numbers tell us a good to be with you thanks for having me well I think number one this tells us that despite the fact there were eleven years deep into the economic expansion in my mind a surprisingly large a percentage of Americans are still focused on trying to stay current on their monthly expenses and so wind there at that sort of would be break even point with a specially the money coming in and going out every month that means that they quite frankly haven't checked off all the boxes on their financial to do less breaking that down a little further in your report found that people age fifty five to seventy three were the generation most likely to be focused on just paying bills that was a little surprising to me I would think it would be maybe younger people that are caught up well I think there's the you know those struggles are there's certainly enough of those struggles to go around but I think that to some degree we're talking about people who have really pretty much settled in to their trajectory with respect to the group you're talking they're talking about they are in there for the you know there may be some who are are yet upwardly mobile what the income is that they might expect down the road but in many ways their path is really pretty well determined at that point and and therefore they sort of know what what what they have to do and and and so you know this is one thing that I think may be driving that mark what are some of our other top financial priorities well and. justice staying current on expenses are getting caught up on bills the second most commonly cited issue was the frankly just saving more money at that was cited by twenty nine percent and I think that this is men in some ways what we want to see now it might be that we would say that we would hope that others would also be focused on that because at this stage as we say of the expansion of more than a decade in we know that there will be a down turn our recession at some point we just don't know exactly when and so that means that we have to try to achieve some degree of financial stability or success while we can after that nineteen percent said they were focused on paying down debt whether its credit card debt student loan debt. could be mortgages for example and then finally at the bottom of the list providing financial support to family members and friends so you can imagine that might be for example parents obviously helping perhaps a young person who's still embarking on their trajectory and their life path of maybe they might be just getting out on their own in the work force or not a perhaps they're pursuing an education that is this morning's Jennifer because Shinko with more camera come from Bankrate's reminder by the way we can connect on social media you can friend us on Facebook you can follow us on Twitter at this morning show you can find me directly on Twitter at Gordon deal it's.

Bankrate senior economist twenty nine percent nineteen percent eleven years
"bankrate" Discussed on KTAR 92.3FM

KTAR 92.3FM

02:52 min | 2 years ago

"bankrate" Discussed on KTAR 92.3FM

"To parse the study Bankrate senior economist mark hi mark mark what do these numbers tell us a good to be with you thanks for having me well I think number one this tells us that despite the fact there were eleven years deep into the economic expansion in my mind a surprisingly large a percentage of Americans are still focused on trying to stay current on their monthly expenses and so wind there at that sort of would be break even point with a centrally the money coming in and going out every month that means that they quite frankly haven't checked off all the boxes on their financial to do less breaking that down a little further into your report found that people age fifty five to seventy three were the generation most likely to be focused on just paying bills that was a little surprising to me I would think it would be maybe younger people that are caught up well I think there's the you know those struggles are there's certainly enough of those struggles to go around but I think that to some degree we're talking about people who have really pretty much settled in to their trajectory with respect to the group you're talking they're talking about there and therefore you know there may be some who are are yet upwardly mobile what the income is that they might expect down the road but in many ways their path is really pretty well determined at that point and and therefore they sort of know what what what they have to do and and and so you know this is one thing that I think may be driving that mark what are some of. our other top financial priorities well after justice staying current on expenses are getting caught up in bills the second most commonly cited issue was a frankly just saving more money at that was cited by twenty nine percent but I think that this is men in some ways what we want to see now it might be that we would say that we would hope that others would also be focused on that because at this stage as we say of the expansion of more than a decade in we know that there will be a down turn our recession at some point we just don't know exactly when and so that means that we have to try to achieve some degree of financial stability or success while we can after that nineteen percent said they were focused on paying down debt whether its credit card debt student loan debt. could be mortgages for example and then finally at the bottom of the list providing financial support to family members and friends so you can imagine that might be for example parents obviously helping perhaps a young person who's still embarking on their trajectory of their life path of maybe they might be just getting out on their own in the work force or not a perhaps they're pursuing an education that is this morning's Jennifer because Shinko with more camera.

Bankrate senior economist mark mark twenty nine percent nineteen percent eleven years
"bankrate" Discussed on 600 WREC

600 WREC

03:05 min | 2 years ago

"bankrate" Discussed on 600 WREC

"To parse the study Bankrate senior economist mark hi mark mark what do these numbers tell us a good to be with you thanks for having me well I think number one this tells us that despite the fact there were eleven years deep into the economic expansion in my mind a surprisingly large a percentage of Americans are still focused on trying to stay current on their monthly expenses and so wind there at that sort of would be break even point with a specially the money coming in and going out every month that means that they quite frankly haven't checked off all the boxes on their financial to do less thinking that down a little further in your report found that people age fifty five to seventy three were the generation most likely to be focused on just paying bills that was a little surprising to me I would think it would be maybe younger people that are caught up well I think there's the you know those struggles are there's certainly enough of those struggles to go around but I think that to some degree we're talking about people who have really pretty much settled in to their trajectory with respect to the group you're talking they're talking about there and therefore you know there may be some who are are yet upwardly mobile what the income is that they might expect down the road but in many ways their path is really pretty well determined at that point and and therefore they sort of know what what what they have to do and and and so you know this is one thing that I think may be driving that mark what are some of our other top financial priorities well after just. testing current on expenses are getting caught up on bills the second most commonly cited issue was a frankly just saving more money at that was cited by twenty nine percent and I think that this is men in some ways what we want to see now it might be that we would say that we would hope that others would also be focused on that because at this stage as we say of the expansion of more than a decade in we know that there will be a down turn our reception at some point we just don't know exactly when and so that means that we have to try to achieve some degree of financial stability or success while we can after that nineteen percent said they were focused on paying down debt whether its credit card debt student loan debt. could be mortgages for example and then finally at the bottom of the list providing financial support to family members and friends so you can imagine that might be for example parents obviously helping perhaps a young person who's still embarking on their trajectory of their life half of maybe they might be just getting out on their own in the work force or not perhaps they're pursuing an education that is this morning's Jennifer because Shinko with more camera come from Bankrate's reminder by the way we can connect on social media you can find us on Facebook you can follow us on Twitter at this morning show you could find me directly on Twitter at Gordon deal.

Bankrate senior economist twenty nine percent nineteen percent eleven years
"bankrate" Discussed on News Radio 920 AM

News Radio 920 AM

08:00 min | 3 years ago

"bankrate" Discussed on News Radio 920 AM

"Now by Greg McBride Bankrate dot com and there's a article in today yesterday's issue at less than a third of Americans have increased their retirement savings rate this year this comes at a time here is perfect grade because fidelity just released an article that the number of people with one million dollars or more in their four oh one K.'s in IRA's reaching all time highs so we have a lot of contradicting information here which I love great what what is the state of the current your four oh one K. and retirement space in terms of what workers are doing it's moving in the right direction but still plenty of room for improvement that twenty nine percent of working Americans have increased their retirement savings contribution versus a year ago so that's about double the pace that it was in the early stages of the economic recovery back in twenty eleven and we clean pretty steady improvement as the economy's gotten better as more people were working as people were making more money we've seen more and more people increasing their contribution them by contrast fewer and fewer that have face the situation where they've had to scale back well let's talk about those numbers because to me that's a pretty good indication of you're not just not being enough money around the table to to go around so but what percentage of people are decreasing their retirement savings at this point at this point it's just one in six of sixteen percent of working Americans that's about half of what it was back in twenty eleven back in twenty eleven yeah it does a workout in contributions out numbered those up or increasing the by by about a two to one margin that's completely flip flopped in the years to is there any indication that we are peeking out on the ability for people to you know continue to increase their savings rates have we seen this you know this increase starting to slow down of the last few years I know you mentioned was debout double what we saw in twenty eleven but how is the growth rate been gone as well over the land the the twelve months or so we're where we had really seen the biggest kick up was not coincidently you know right around the time wage growth started to pick up twenty sixteen twenty seventeen that's when we started this he bore a faster pace of the pickup in terms of those that were increasing their contribution it was up only slightly relative code the last year so I you know I I have that very concerned that you know you know maybe we are sort of reaching the limit on that of course a lot of that's going to be tied to the fortunes of the economy as well I know there are a lot of company these companies these days that are putting automatic annual increases in their savings rates I believe fidelity investments is actually one of them for their employees where they say Hey every year if you start at five we're gonna bump that up to six next year than seven the year after is that having an impact you think as well and not just the auto escalation but even just auto enrollment try new employees are automatically defaulted into the plan that they have to actually take action but not contribute you know uses a nurse has an advantage rather than the disadvantaged we've seen that I think not only in this one in terms of how many people are increasing their contribution but in other surveys that we've done where we we find that people are starting to save for retirement and a younger and younger ages like they think that on one role but there's a big factor that as well well I hate to say that twenty nine percent is a success story but as you point out is more than double the rate that we saw in twenty eleven that's people that are increasing their retirement contributions so for now I'll take it as a good sign I. Greg McBride from Bankrate dot com thanks again for coming on right thanks for having me yeah Hey it doesn't seem high enough for more perspective you would think that when we are at all time lows in unemployment in wages finally starting to pick up where I I would like to see that number approaching half of the people increase in their retirement savings it doesn't give us any real numbers that what it doesn't give us is the average percentage rate and I I need you need that to be able to give some real judgment here but if you're already at fifteen percent that's going to your four one K. right you probably don't need to increase it anymore well in in you also don't know are there some people that are already maxed out who cracked increase obviously you know that is that something that's happened recently I think yeah I mean it look from the perspective of just overall planning the way I tend to look at it the time when you need to be really prioritizing savings actually when things are good because when things are bad you can't play there you you just don't have the opportunity there I still like the fact that you know we we've effectively doubled the rate at which people are saving more each year care to twenty eleven yeah I think that certainly is is a good thing that we're seeing there but then there's you know there's more people that are participating now to Randy I've compared to twenty eleven not only is the rate of savings higher but the number of people that are participating in that savings rate is going up to yeah so I think it's it's a mixed bag it's not perfect but I do like at least that Hey people are trying to take advantage somewhat more sternly significantly more than they were eight years ago a lot of people but just not as much as you'd still like to see a little bit of trivia here on the financial exchange it's Friday in suit action movie trivia Friday and today we're doing a trivia based on the movie I am legend starring Will Smith fighting a whole bunch of zombies I believe they are pretty much zombies well yeah sorry if anything else you want added does something my throat okay body turn your Mike on for that so here we go in the movie I am legend starring Will Smith what is the number on the house that will Smith lives in during the movie I don't know if you can find us online so we're going to do the first correct answer here in the movie I am legend starring Will Smith what is the number on the house that will Smith lives in during the movie Texas it's six three five six six and if you're the first person with the correct answer we're giving away passes to loon mountain it's a pair of up in a way vouchers for loon mountain and so while we're gonna be given those a waste of Texas at six three five six six and if you are the first person with the right answer you're getting those up in a wave out years where you can enjoy all day family fun on the zip line gondola rides and climbs and just to clarify do you did you look this up or did you just how do you jamboree photograph I don't know if you can look this up I bet you can actually you might be able to just because the house is in Washington Square park in New York so it might this might be some good like yelp there it's not just like hidden somewhere in some random city sorry mate maybe you can find it but again Texas it's six three five six six first person is gonna get that price we talked a little bit earlier this week about robo calls in robo taxi I love like that it really just makes my day when I get three or four these but it makes you feel log jam it's like someone cares about my when my phone doesn't vibrate my pocket now I'm just like in so the big tell companies and a whole bunch of attorneys general from every single state came out with a new pact designed to try to combat robo calls and so what currently under this agreement companies are promising to work to prevent these on their networks and also provide additional assistance to police in trying to source the origins of these clear I have a tough time trusting is a bunch of telecom companies that were founded over a hundred years ago and state attorney generals being able to keep the attorneys general attorneys turned blessing Attorney General so yeah attorneys general trying to keep pace and outpace the technology skills of people they're trying to scam people out of their money yeah the the the amount of spoofing that you can do on this kind of stuff is is pretty significant any step is a step in the right directorates quick break you when we come back we'll get the trivia winner and also Amazon trying to keep small businesses on their platform the financial exchanges alive on Facebook so make sure to like our page.

Greg McBride twenty nine percent one K one million dollars fifteen percent sixteen percent hundred years twelve months eight years four one K
"bankrate" Discussed on WMAL 630AM

WMAL 630AM

03:44 min | 3 years ago

"bankrate" Discussed on WMAL 630AM

"I ready for this number one Nebraska really I have never considered retired I I know nothing about Nebraska it could be a wonderful place I have no idea but I have to admit I've never thought a retired numbers number one a list by states to retire number two Iowa number three Missouri number four South Dakota I promise you I've never considered retiring to South Dakota I can find it on a map but I've never thought about living there could be wonderful just never thought about it but it's on bake great dot com's list of top five places to retire number five Florida okay we have to include Florida except yourself make sense how about the war states the worst states to retire guess what according to Bankrate dot com Maryland Maryland is named the worst was named excuse me the worst state to retire Maryland number one war state to retire the New York Alaska Illinois in Washington and held the distinction is places you do not want to be as you reinvent yourself for retirement and I got to thinking I was like well you know if I had to choose between Alaska South Dakota don't know what I would do but then I start looking at this is like Maryland are high I probably would do Maryland you know I I don't know anything about Maryland so I got to thinking about higher one would it be like and I thought well you know it might be a little bit slower pace I don't know if they have the capital beltway that works like ours which is crazy and notes all the time it would be kind of nice to be able to get from point a to point B. in less than an hour that be cool okay I can see how I would be on the list over Maryland but then I got to thinking but my criteria is different than the next person's right I have a client who does never drive their car and uses the natural of the time and you know have clients to commute over an hour and a half and I got to thinking about the best retirement the best place to retire and Bankrate dot com use the criteria they're curtir was whether healthcare crime culture and affordability so in some way shape or form they use those variables to determine the best days of these for their last but I wonder if we could come up with our own list maybe you have that list maybe it's in mind or at least you've thought about attributes you'd like a wooden like in retirement but I think that we owe it to ourselves to come up with their own criteria the variables for which we would measure our retirement where could we go how do we set up to retirement to work exactly the way that we wanted to for the outcomes that we want see it all depends on your criteria but I doubt that there's anybody out there that's going to go out to Bankrate dot com when you get home if you're driving this afternoon one should unless in the show you probably not gonna go online and figure out which state you're gonna retire in based on Bankrate dot com's list in that makes sense but how often do we fall into the trap of falling for rules of thumb how often do we find ourselves there right it's a person who comes in the office is as you know what I heard I heard on the radio that everyone should pay off their mortgage I heard on the radio that no one should ever pay off their mortgage I heard that you should always starts so security early I read on Bankrate dot com that you should live in Nebraska in retirement here's the problem actually it's here's the opportunity what if we didn't follow a rule of thumb one of our best place is going to be different than our co workers what if our place to where we would find the most happiness.

Nebraska
"bankrate" Discussed on KTLK 1130 AM

KTLK 1130 AM

03:20 min | 3 years ago

"bankrate" Discussed on KTLK 1130 AM

"A new survey by bankrate dot com finds nearly half of US workers say they earn extra income on the side Forty-five percent to be exact we're joined now by Amanda Dixon analyst at bankrate Amanda, what have you found? Is that working Americans nearly half of them have side hustle? And so that was really surprising to me and a lot of the people who have actually millennials nearly half a millennials have a job on the side. Now, they're young and enthusiastic they love working the need the money. What is it for reasons wise for for this? What we found is that quite a few millennials have a side hustle, because they're looking for a way to earn some extra money and also millennials are interested in boosting their savings. And that's really key given the fact that a lot of them are dealing with a huge amount of student debt. And so with the more money that they can save. They can use that to pay down their debt and maybe just get back on track financially those numbers compare with groups in the past. Is there any way to say that way more people have side hustles these days than years gone by? We did this study last year and the number of, of pretty consistent and we did see the numbers tick up a little bit. So it seems as though more and more people are interested in getting into let's say the gig economy, and it makes sense, given the kind of flexibility that these kinds of side gigs offer. And, and when we say side gigs are these folks who are cobbling together a handful or a couple of side gigs to make ends meet. Or is this an addition to save full-time jobs rate? So we ended up to the participants to determine how they would define side hustle. So we just ask people know, are you earning extra income on the side. So it could be outside of your full time job outside of your part time job, or even maybe someone who's retired who's working an extra gig. What was the point about using technology to that? You discovered what we found that a lot of people rely on technology, and it's really changing the game. When it comes to site hustling, because it gives people just a lot of job opportunities that maybe were not available to them ten fifteen years ago. And so it's playing a big role in a lot of people's lives who are hustling, speaking with MandA Dixon analyst at bankrate dot com. They've got a new survey that finds nearly half of us have side hustles. So for those using technology. How does it break down by generation? We found that millennial. They're definitely by far more likely to say that technologies playing a bigger role when it comes to having a side hustle. And they're just so many different platforms, and apps available to them today. So they're very well aware of what their auctions are when it comes to side hustles, and we may not know the answer to this yet, but it could set the tone for what they do in their later years. Right. They may find that it's a norm. To work fulltime job and have a side hustle. That's right. When I think about the way that millennials are working. It's very different from how their parents and grandparents are working. So I think it could have a significant impact on the future, and how they work, and that could impact their lives and so many different ways. Amanda Dixon analyst at bankrate dot com thirty minutes now after the hour on This Morning, America's first news..

bankrate Amanda Dixon analyst MandA Dixon US America Forty-five percent ten fifteen years thirty minutes