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July Mailbag with Jason Moser

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July Mailbag with Jason Moser

"The. Multiple answers I'm out Southwick and I'm joined, is always by broke camp. Personal Finance expert here at the Motley Fool. Hey, BRO, well! Hello Alison. It's the July mailbag where we answer your questions and this month it's with the help of multiple analyst Jason Moser. Should you buy a house now? What is modern portfolio theory and also here Jason's thoughts on a lot of stocks all that and more on this week's episode of Molly fully answers. Jason thanks coming back. you know I mean i. told you you invite me. I'M GONNA. Be here every single time. Thanks for having me back. I mean we appreciate it because we know you're a busy man, and so we do appreciate that you carve out time for us in our little show, don't. Always always make time for those important people in my life rule number one make time for allison and Bro I love. It sounds like a good one to me. Everybody wins. All right well, I guess we should just get into it, so the first question comes from Darren I've subscribed to the full for over a year and I'm really pleased with the service. I would like to know your thoughts about my holdings in Shop Affi- I've bought several times over the last three years, and it's now over thirty five percent of my portfolio and I. Don't know if I should continue holding or trimmed down. What would you advise a good problem to have I was gonna say that exact same thing? That's a good problem have? In a very glad, you have subscribed to our services in your really pleased. That's that's what we aim to to do. We aim to please help you make money and so yeah. This is one of those situations that we will find ourselves in from time to time as investors. A nice problem to have but something you do need to address at some point because it is going to be a little bit different for everybody. In so coming from the perspective of I, also own shop, a Fi stock in it's it's a wonderful investment. It certainly is taking up a bigger. Part of my portfolio a not at thirty five percent where you are. I think for me. It really does boil down to. That sleeping at night test in other words, you need to be able to go to sleep at night without worrying about this kind of stuff, and if you feel like shop, a Fi represents too much. Of your portfolio if you feel like you're overly allocated their, then, you may need to consider pulling it back a little, but now I mean it's. It's I think it's always important. Note you know. It's a big difference between building up a position buying a position to make this size to make this type of allocation in your portfolio. It's another thing entirely to have position grow into beat into becoming that size i. mean that that is that is in a little bit of a different dynamic there, so people all the different ways, some sometimes folks will, they will just sort of looking at it from the house money, concept or you. You just sell enough shares to recoup your initial investment, and then you let the rest of it go. Some people are perfectly fine with thirty five percent. Some people are not. They want a pair back so i. do think you need to kind of figure out what helps you sleep at night I do think that shop by a great business. I think the biggest risk in only shop, if I right now is valuation, just because it's dominating, it's space, but it's not making any money yet, and it's probably going to be a little while until they do so that valuation risk is there, but ultimately yeah I think determine. Where you feel most comfortable with it, and if you feel like you need to put a little bit of that money off the table, and he thirty five percents a lot, certainly very understandable. If they've said something you need to do if you do decide to pair it back a little bit. You've made multiple purchases, so you can identify the shares to sell to manage the tax consequence if this isn't a brokerage account and not an IRA. All right next question comes from Steven. If you are forced into unemployment, you are paying federal income taxes on unemployment payments are not contributing to social security nor to Medicare. How does this affect your future calculation of social security benefits and can one contribute to the social security fund during unemployment to mitigate any adverse effects on benefits, it is a little bit adding insult to injury, but you do owe federal income taxes on your unemployment benefits, and if your state charges has a state income tax, you probably have to pay state tax on that, although there are a handful of states that exempt unemployment benefits, so that's good news. And by the way you, you could have taxes withheld from your unemployment benefits you file. This form called form w four V. if you want, they withhold ten percent, or you can do quarterly estimated payments if you wanNA avoid that big tax bill at the end of the year, but if you're strapped for cash is probably just better to get the money now worried about your taxes later Eh. Stephen notes out. You do not pay payroll taxes. Those are the things that go into social security and Medicare so. So. It could result in a lower social security benefit, however, keep in mind that social security is based on your thirty five highest earning years, so if you enter the workforce at say twenty two and you work until you're mid to late sixties. That's more than forty years where the working so hopefully. If you miss out, if this year is not so good somewhere among those other forty, five or so years, you've had thirty five really good year so that this year won't be that big of a deal. So it probably will be okay. And then to address the last question. Unfortunately, no, you cannot make voluntary contributions to social security. There is at least one academic working paper out there. That suggested that people could buy into social security by like extra credits as opposed to contributing to your 401k, but so far that has not been passed by Congress I had an ex. Question comes from Sam. I heard to stocks discussed on another full podcast. When I read articles about them, it mentions they are thinly traded. I have two questions one I'm sure my position would still be quite small so I think I'd still be able to get in and out, but are there other things I should think about when it's a thinly traded stock and question number two. Is there a certain amount of? Daily volume you like to look for when considering a stock foreign investment. What volume do you want to see to not be? Quote thinly traded stock. Yes very good question in thinly traded stock just refers to the either the amount of shares or the dollar volume of shares that would trade on any given. Market Day and so. The. Thinly traded stock. The the problem is that you may not necessarily able to buy and or sell at the prices. You necessarily think you might be able to in other words when you look at a stock's price and you're looking through the. What what's going on throughout the day on the market, you'll see that did ask spread, which is essentially the bid. Ask spread is it's what someone's willing to pay for the stock versus what someone is asking to be paid for the stock? Because you know you have a buyer and a seller on on in every transaction they're. Normally most cases, these business business bread is very tiny, the couple of pennies maybe for most stocks because they're. They're heavily traded right there. There are plenty of dollar volume. But there are a lot of smaller companies small caps in particular in in you know a micro cap, specifically that don't necessarily meet these kinds of thresholds, and so you definitely have to be aware of that now I'll go back in time just a little bit, too. When we were running the service here at the fool called million dollar portfolios Roman Romani portfolio that we help manage members, and it was never really a problem, but we did have a condition in there. We were always looking for at least ten million dollars in average. Trading volume total daily volume now understand I'm not saying the number of shares saying the amount of money so basically shares times price, but we're always looking for at least ten million dollars. That wasn't set in stone it. It was an idea for us. It wasn't ever really a problem because we had a very diversified portfolio with a number of different types of companies, but when you're looking for smaller companies, you would've just keep that in mind that did ask. Spread is is something that just because it says the stock is twenty dollars. That doesn't necessarily mean you'll pay twenty dollars if there is a a big spread there between the bid, and the ask in so I think whenever you're considering stocks that have any lighter trading volume or thinly traded stock. Just be sure to use limit orders. Limit Orders of let us stipulate the price that you are willing to pay for or that you're willing to. To accept a if you're selling a limit, order is just a really good way to protect yourself from any unwanted surprise thinly traded stocks. You might not always necessarily get them when you want them, so you might have to lead that limited are in there for a little while, but but a limit order is a great way to protect you from any unwanted surprises. Next question comes from Randall. I'm in my late thirties now, but earlier in my life. I was very very bad with my money. Collection Calls Welfare and bankruptcy or not strangers to me. I've been at the bottom then I met the love of my life, and she convinced me to turn things around ten, and a half years later and I have done a complete one eighty, I took control of our finances rebuilt my credit and started investing and listening to all you find folks all. I opened it investing account with the goal of saving and building enough a down payment on a home. I'm happy to say we've now reached that goal. I recently sold at a profit because I didn't want that. Money tied up in the market. If we are close to needing it for a house, but now that we're here, I'm not sure what to do. We currently rent a basement apartment and our neighbors general living situation are less than ideal to put it mildly. So, we're champing at the bit to jump into the housing market that being said the experts have been calling for a drop in the housing market for a while, and that was before the pandemic hit now I'm worried that if we buy right away a year or two or three from now, interest rates will spike, and we could be put in a difficult situation. I live near Toronto. Canada or the housing market is already highly inflated in relation to the rest of the country should I be worried? While Randall first of all congrats on turning your financial life around love hearing success stories like that so good job on that. So I'll start with my standard answer with the rent versus buy decision, and that is just pull up spreadsheet and compare the all in cost of renting, including what you could earn on the money that use for down payment versus the all in cost of buying including the opportunity cost of putting down payment as opposed to having invested as well as insurance and taxes and maintenance, and all that stuff and project, where you might be in five to ten years based on various scenarios on what happens to stocks, if you. Rent an invest the down payment versus what happens to? What you'd look like depending on where home prices go. Generally speaking. If mortgage rates go up, that could way down on real estate prices we did see mortgage rates. Go Up for a bit a few years ago, but the housing market did find, but you could certainly envision a scenario where rates went much much higher, making houses, much less affordable and prices would have to adjust. But I don't expect that to happen anytime soon. I think we're. GonNa have low rates for awhile, but beyond that I don't know I've given up trying to predict where interest rates are going or even paying attention to people who try to predict where interest rates are going, so who knows? That said since you live in Canada. I thought I'd check. In where rates are these days and I and I got a brief reminder that things are actually different in Canada so I did a little bit of research. And then realize I had reach out to someone who knows, I reached out to Canadian Motley fool analysts Jim Gillies, and he had some thoughts so first of all just for you non-canadians out there. It is really different so in America. We get this thirty year mortgage than we have the same payment for thirty years. It's fixed. They don't have that in Canada. What's the most common is a twenty five year? But only the first few years or fixed. And then adjusts so in that context you can understand why Randall is worried about interest rates going up because over the next depending on which alone he gets the most popular is a five year fixed, and then you basically have to go get a new loan probably. So that put that in context, a little more, but also Toronto, really is crazy expensive. Vs from the end of last year that put it as the most overvalued real estate market in the world behind Munich. As Jim pointed out in our call here in the US we had our housing peak in two, thousand, six, two, thousand seven, and then we had what he called a reset, which is basically prices came down significantly candidate and have that slight downturn at home prices, but then they just kept on going up, so it really is different there, so when Jim explain all this to me, the difference in mortgages and the difference in home prices. Frankly he was inclined to say to this guy. You Might WanNa rent for while more and see what happens, but he also had the good advice of okay. What if you buy in prices? Come Down Fifteen percent twenty percent. What if they come down to a point where he upside down? You owe more than the home is worth. Are you okay with that? If. You're okay with that. Maybe it's okay to do that. But it certainly sounds like dicey situation than if someone were telling me like I'm thinking of do this in Dubuque Iowa or something like that. couple of other differences. In case you're curious about Canada in the US. Your mortgage is portable in Canada south. You Buy A. Get the five year mortgage, but then move get to take the mortgage with you for the next house and interest is not tax deductible. US Look at you, Robert, broke? Camp Can Canadian real estate experts there you go. Next! Question comes from Chris. I was on twitter the other day and saw that one of your contributors Brian Feroldi tweeted that he doesn't believe in a long list of technical trading terms and then modern portfolio theory. Can you help me understand what not believing an MP? T with mean this? He believed that diversification doesn't reduce risk. Also every financial adviser I've ever talked to his preached empty, so I would love to hear the counterargument. Jason you're not Brian for all the. Question I am not Brian for all the do get the talk of Brian Pretty good bit though. I I must admit I. Don't know what he said here in regard to modern portfolio theory and all of these technical trading arms. But I think I can take a guess. Generally speaking I agree with them, and I think you could sit there and look up the portfolio theory in you know read about it as much as you want. Just go to google modern portfolio theory, and you can dig right in there, but in a nutshell ultimately, what modern portfolio theory is the intention behind it? It's meant to reduce risk while maximizing returns. It assumes that investors don't like risk. They prefer less risky portfolios to riskier ones in order to achieve a certain level of return so right there. I kind of kind of lost me right there because I don't believe that every ever investors risk averse I think some investors have a very. Healthy, appetite for risk, and frankly I would say I got a pretty high tolerance for risk when it comes to investing, made it just because of what I do for a living but I. You know to me I like having that trade off least unhappy. Happy to take some risks there. If I feel like that upside, it's going to be potentially worth. So with modern portfolio theory, it introduces a lot of fancy math in the form of variances and correlations in order to come up with this. Quantifiable, investing strategy that ultimately helps reduce risk while allowing the investor to achieve. Certain returns in. Maybe it works for some not I'm not dismissing it personally I. Don't use it, I don't personally subscribe to it I. Don't need it. I think honestly for us. In a really believe it's extends to to most people in our full universe is that is individual investors I think a more meaningful way to reduce risk. is to just extend your timeline like invest longer. So like Tom Gardner said a number of years back when we were. Working on Motley, fool one basically take your take the time line that you think you want to own any individual stocks you buy shares of starbucks and I plan on owning it for you know five years. Okay, we'll just double it. Cloning it for ten in all of a sudden right there. You've given yourself more time. Time is one of the big advantages we have is individual investors. Money managers don't have that advantage, Wall Street done generally handed abandoned, either, but if you can be patient and just invest in good businesses. That risk really starts to come down over time. There are plenty of studies out there. That show that risk comes down the longer you hold onto those stocks, which into me, just renders modern portfolio, theory, more or less not useful mean on things, not useful for everybody, but it's not useful for me and based on Chris. Question It sounds like a agree with what Brian was saying there. We think I'll add to. That is I agree that risk is really not that much of a consideration if you are saving for retirement. But once you are in retirement man, and just say like you know what the market's not I'm going to extend my time highs in ten years. Because you need to spend money in that situation, I think diversification is important. It's important to have assets that don't always move the same direction at the same time. For some fools. That's just as simple as keeping any money need the next five years in cash, so you're right out any ups and downs, and that can be fine. But I. do think it makes sense to have. A mix of investment so that right now, technology stocks are doing very well, and we hope that continues to do well, but we remember was that happened in two thousand from two thousand to two, and there were down for quite a while anyone who retired in one, thousand, nine, hundred nine, or so it was very happy to have some small caps value maybe a. A little international, some reits to ride out the storm Yeah I think we talk about that often like recognizing where you are as an investor in life, are you in the grow your wealth stage, or are you in the protector stage, because they are two very different strategies, and we're all hopefully going to be in both of them at one point or another right? I personally and still on the grow your wealth stage I. Think we all probably are, but you will at some point get to where you need to focus on protecting the wealth that you've made so that you can then have that money to spend, and that definitely will dictate your investment strategy things that you're invested in and whatnot. Generally speaking I do like the idea for people who are just risk averse and have this notion that investing is just too risky. I mean the fact of the matter is not investing as far away greater risk like not investing. You will never grow your money if you don't the best, so if if if risk is a problem, I think generally speaking. Along the lines of diversification idea that that bros. talking about him, he just invest in invest in SNP index fund is something that just follows the progress and p. you know you're going to be participating in and if you look at that over the over the stretch of time, their five ten twenty thirty years, I mean that trend does go one way. It, but clearly the older you get, the more you need to start focusing on protecting your wealth, and that will change the way you view things. Right next question comes from Alex from Alexandria if I buy Muny bonds from another state in my IRA. Is it still taxable and Alexander with who we have a bond on and we do have a bunch. I know Alex up super excited about having a bunch on in Alexandria to I can't believe I haven't been there. It's like two miles from my house, but we still haven't been oh i. know because there's a global pandemic going on and we. saw. Alyx if we buy me bonds from another state in my IRA is still taxable. Bro, help him out or her or so Muny Barnes. People Invest Immunity bonds because they're free of federal taxes and in many cases. If you're buying bonds issued by the place you live, they might be free of state and local taxes, so that can be doubly triply tax free. That's why people buy 'em. There are some times, however that if you own immune, abound outside of an IRA. Pay Taxes and this surprises some people. There's something called the minimum tax. If you buy immunity bond at a discount, and then it matures at par. If you buy a distress, Muny bond for like you put an eight thousand dollars, and you sell it later for ten thousand dollars as a capital gain. You'll be taxed on that. So, there are some times when you would pay taxes on media. Now, Alex is asking what if it's an IRA? Do I have to worry about paying tax interest. If it comes from another state and the answer is no, you won't have to worry about that. The only thing I would say is. Generally speaking immune bond already has built in tax advantages, so you wouldn't keep it in an IRA, unless there's the example of the stuff I was saying previously like for. It's one of those exceptions when him UNIBOND would result in taxes than you might WanNa keep it an IRA, but generally speaking. If you're going to buy Muny Bond, keep it out of an IRA. Next question comes from Boone. I just did my first. Roth conversion and looked at that old account for the first time in. There was the expected dividend producing fund I remembered, but there was a stock chesapeake energy that I had completely forgotten about since I purchased the stock in two thousand, six fifteen. It's down way down like eight point five percent off the purchase price. What should I do with it now? It's in a tax deferred accounts so I. Don't think the loss is realized until I. Start to pull money out of the account and that might not. Not Be for fifteen years current value of all my shares will be about one percent of the value of the account after the conversion. Do I sell in the very little value? I had left and depend on E. Trade to keep up with lost for me or should I hold on based on the slim chance. The stock will be worth more in the next ten years. Oil Stocks do act unusually on occasion, only oil stocks. Stock everything else makes that usually. Chesapeake has been really. Interesting Story to follow and frankly. I don't I. Don't know that I would look at it today. As a business that I'd WANNA own so typically if I. You know I think it was yet idea. Didn't sound like a position are actively building united investment didn't work out. I mean that that happens to all of us. We don't get them all right. We have a philosophy here at the full. A lot of do we like to? Water flowers and pull the weeds, and that's just a nice way of saying. Add to our winners in to get rid of losers in. This I think is more than likely slated to continue being a loser I mean. Chesapeake has lost a lot of value. In it does sound like based on when you purchased this, these is absolutely busted I mean. There there are all sorts of reasons to sell one of them is if you thesis busted and the reason why you invest in the company is is no longer the case, and I would he probably is the case with Chesapeake so to me like you know, you could sit there and let it go, but but what's the goal trying to get back to even, or are you trying to get back a couple of bucks for me a lot of times? I'll I'll take a little opportunity here and there to just go ahead and pull those weeds sell it. Be Done with it. In even though it's just unique out a little bit value there, you can still take that money and do something more productive with it. So. Yeah T to me. I can't tell you to buy or sell obviously, but I can certainly understand. Selling in this case, but I you know. As as oil and natural gas energy can can turn around. This is going to be one that has a lot of headwinds in in. You might be waiting a very long time to to get any of this money back. I point out here that I it seems that maybe boone has a slight misunderstanding of how taxes in aries work because he talked about realizing the loss when he takes the money out and trade keeping track of the loss for him, it sounds to me that he thinks that he can write the loss off whence he takes the money out. That may not be the case, but just to be clear. One of the great benefits of an IRA is you don't pay taxes on the gains, interest and dividends from year to year. But. One of the drawbacks is. You can't take a capital loss on that as well so there's really no no way to benefit on your tax return from this loss. Next question comes from Benjamin. You recommend seeing a fee. Only financial adviser for check in every so often I know there is the Garrett planning network and others to help find an advisor. But what questions do you ask? And what answers do you listen for when trying to find one that is worth his or her one hundred fifty to two hundred fifty per hour. So I would say start first with asking yourself some questions. What are you looking for? You could go for the whole launch. Lada where someone is managing your money analyzing retirement plan helping new save and a five twenty nine. Maybe even doing your taxes with some financial planners do help with the state planning, or are you looking for something more targeted? You just want advice about am I saving enough for retirement, or are you close to retirement? You're like I just WanNa make sure that I'm doing right when terms like choosing my Medicare plan and claiming social security at the right time, so first of all just be very clear of what you're looking for. Then if it involves investments in any way, you WanNa, make sure that you find someone who is at least in the general same area philosophically and I say this, because many financial planners are hardcore index. And if you come to them as a motley fool, listener member with a lot of individual stocks. They may say okay. I'll give you some general asset allocation guidance, or they'll say I don't care if you like to pick. Stocks are not my advises, sell the stocks and go to index funds, so you want to make sure that if you're gonNA, ask for any sort of investment. Advice that you wanna find someone who's someone somewhat at least aligned for what you're looking for. Once, you've got that then. Just asked some of the typical stuff. You might expect so credentials certified financial planner. Are they a CPA either their personal financial specialist. How long they've been in the business. There are lots of people who. have not been in the business very long. Even though they're not young people, a lot of people choose financial planning as a second career, which I think is great, but just because someone may be look like they're in their forties or fifties. Sixties doesn't mean they've been in the business that long, and you WANNA. See if they've worked with someone like you right so if you have. Maybe. You have a large amount of wealth large income huge portfolio. You WanNa make sure that they have experienced with dealing with those issues, but on the flip side to if if you have, are you know middle income, decent size portfolio, but nothing too complicated. You don't WanNa. Go to someone who's used to dealing with someone who's wealthier partially because those people charge a lot more. You want to find someone who's kind of a little more lined up with what you're doing. Then make appointments with three folks. All of them will do get do free. Get acquainted means, and you're just looking for someone who you feel comfortable with. Since, you mentioned Garrett Big Fan of the Gary Planning Network and other is is not for the National Association of Personal Financial Advisers. But Garrett on their website has a how to choose an adviser section. Just Google attitude visor Garrett Planet Network has a great chapter from a dummies book that they wrote about how to choose adviser, and they have a good questionnaire that you can print out in US asking lots of good questions of financial planner. It's tough. Choosing a financial planner like my mom just went through that Bro! Is You know and she didn't really have a lot of options in Boise Idaho. Maybe two and one of them, she I never called her back, and never got back her, and the other one was just so busy just so busy, and just she just never. It's it can be rough. Finding a financial planner can be I. Think what we'll see is one of the consequences of this. Of the coronavirus pandemic. Just, like we are all used to working from home, many financial advisors and financial planners an now working from home. So in what they're doing is they're becoming licensed in more states. So, if you are more comfortable, working with someone over zoom remotely I think you don't have to stick with someone in your area. You can go beyond your locations, but you know some people don't feel comfortable that if if they're going to have someone managing their life savings, they want to be able to meet them in person. That's just a personal choice. All right next question comes from twitter. Is that right from sully what I hear? Okay? I just listened to the episode mentioning Your Weakness Two. Shopping carts and Tj, Maxx that me or you Jason. Accused me. Thoughts on the stock. If I had a war on Amazon, basket would be Costco TJ maxx Home Depot tractor supply. What would be your basket against online retail? That's funny. Well okay, listen I wouldn't have basket against online retail, because online retails where it's at. The whole idea. The whole idea behind the basket approaches to find a long term trend that you feel like the world is headed toward and so the war on cash basket, for example that was always one about people using cash war, traffic payments now with that said I get the spirit of the question some going to answer it because I do like some of these ideas. And I I would definitely include Costco in their in Home Depot's well. Home Depot gets a lot of my money. Doesn't, but they have a very loyal fan base of customers that just are happy to renew year in year out. So I love those membership models there, so costco and a Home Depot for sure you know I'm going to give a little shout at my wife Robin I. Know that she would approve of my adding target to the mixer. She hasn't been raving about targets APP and ordering on the APP the able to go to the store. Just pick it up right there I've talked with Ron Gross on more than one occasion about target and how this really has. Become a twenty first century resale right they're doing. They're doing everything online and in physical stores. What they call Alma Channel and then my fourth and I'm GONNA. Take this. You probably aren't expecting this when Alison. I'm GonNa Shock and all you. I'm ready. I'm ready Alta. We're going. Make up my I know my daughter's love. It ugly ugly Mug like this. What do I know about makeup? Tell you what. Get! A House with two daughters and a wife. That's what I know about make. There's a lot of it in an Ulta is a really really good business. They actually have a very nice diversified revenue stream. They've got the salon a`dynamic of the business which encourages people to go there they do have an online business. They have an augmented reality function there at where you can actually like. Try things on makeup to see how it looks. Mary Dillon just a phenomenal other adults of that's my fourth, their Ulta but they I appreciate the spirit of the question I like the idea I'm not saying this is the basket. I'm not tracking this basket in a not a not backing this basket, but in the spirit of the question if I had to develop. A basket, such as this one I think it'd go with those four. Yeah, I mean I guess you just have to think about what retail out there is something that you would still physically go to. Because the actual retail experience is being in the space is the experience and what you're there for? And I know I mean before Corona virus we I would go to target and just just couldn't believe how much money I had spent from walking through a few of the aisles. TJ Max is just a phenomenal business I mean what they've done through the years. Is really capitalized on the nature of the business, the advantage they have in that treasure hunt kind of nature like you go to TJ Max, maybe not necessarily looking for something, and then you end up finding a lot of things, and it can be a little bit lumping at times, but but generally speaking like management's a very good job of running that business, and they know how to exploit the advantage of experience. I think they're online game. Though I think they could probably get something going with online, and they just have not have not yet and so I. Haven't since Corona Virus for example. I haven't spent a single dollar there, but I continue to still shop at. Home Depot I. Think Yeah! We still shopping at home depot because we're doing. You know you gotta buy lumber somewhere. And I know my grandparents out in my my inlaws out in rural Virginia. They love tractor supply store, but that's not. That's not in where we live, but. Still New deck at the house there allison. I mean you, can you see? A big exposed beam behind me and some drywall work that needs to happen. Have lots of drywall work that needs to happen now though. Yeah Anyway get to that. All right next question comes from Matthew. I got married to my amazing wife nine days ago in a small Kobe nineteen wedding in our front yard after we postponed it from its original date in April all. It was definitely different, but still very special. My question is in relation to this wonderful event. My salary has been at a level that has allowed me to fund a roth. Ira I love the optionality of it, but after marrying my bad ass, wife are combined. Salaries are now over the limit that would allow me to fund the Roth. IRA does this affect occur immediately? Do I need to now open up a traditional. IRA and begin funding it or do I have until the end of the year. Matthew wants a Roth Bachelor party one last. Well Matthew I have bad news. When it comes to most things in taxes, your status and your age and things like that depends on where you are on the last day of the year, said if you're married on the last day of the year, you were considered married for the whole year. So that means if you contributed started contributing to a Roth IRA for twenty twenty. You need to call up your brokerage. Firm and re characterize that as a traditional. Now don't have any other traditional IRA, as it's very easy to do the back door, Ross which we've talked about before you can just google it or even when you call the brokerage, just say I want to do the backdoor. Roth and they'll tell you what to do. If, you have other traditional IRA as you can still do. It just becomes more complicated and you'll probably pay more taxes. So you, but you may not be totally out of luck and I should say that's only if you have a traditional IRA doesn't matter if your wife has traditional areas. One exception by the way of of what I just said. In terms of tax status and last day of the year is distributions from retirement accounts before it's age fifty nine and a half, you actually have to be age fifty nine and a half to avoid that ten percent early distribution penalty, unless some of the many exceptions that are out there exist. Right next question comes from Warren Warren Buffett. Maybe I don't know that's why I was thinking. He's asking about coq, so maybe maybe. Once James Opinion on coke. By? Or hold? Wants to now. I'd give buffet night give. Kiesel Warren of the same advice and I would say. For some I'm not buying it. Not Buying it I'm not holding it if I own it. I guess that means sell it. Even Atlanta Georgia person like you i. feel like it's almost sacrilege. I am pretty close to probably not being ever even invited back. But the facts are the facts. Okay, I mean you do have to look at the stock itself has been ain't bad stockton for the last five years. I mean I do understand why when you look at it what they do, I mean they have. Four hundred master brands, and less than fifty percent of them are the big global brands that are actually responsible for almost all of their revenue when I say almost only ninety eight percent, so it's a business. It's very reliant on on. You know a small portfolio of really successful grants. The problem is now. We've always talked about cocoa beans such a great distribution story and that's true. They've got a distribution network. It's just phenomenal, but the problem is now. They're what they're distributing is is being seen as not so good for you in so you're seeing them. Have it into to essentially pivot away from what you know brought them all of the success for all these years. Years in soda and that that's not going to change I. Mean you're always GonNa have people to drink soda? People are not to drinking as much soda going forward in the numbers of just kind of the kind of shown that through that through the quarters in the years of Coca, Cola and Pepsi Pepsi. Has the salty snacks division, which I've always been very. Impressed by I, mean I love a good Cheeto, and so I mean anytime you can throw a bag of those cheetos in my Patriot Amok GonNa, turn it their coq. Interrupting, but I think this is also very important point. You tried the Jalapeno White Cheddar crunchy cheetos. The White Shit or so. I've tried to Jalapeno ones but I've not seen the white Cheddar White Cheddar Jalapeno crunchy cheetos. Don't get the puffy. The poofy ones are not as good, but the crunchy white Cheddar Jalapeno Cheetahs. them by them. They're amazing. I have to back. Pain you. I'll get those next time. I promise I, mean Eh. One. crunchy wants the puffy ones, so that people won't you're not? You're not seeing poopie. Who using poofy Joe Copy? We'll be Coca doesn't have that dynamic of their business. They don't have that dynamic to their business, and they've suffered from that Pepsi's Pepsi's outperform coca-cola over the last several years. It's not safe. Pepsi or coke get it back. I'm sure they probably can. But what I am saying is I think there are a lot of better ideas out there, and so I wouldn't be putting new money into Coca Cola and frankly if I did own it. I probably would look at selling it and you know if you've got a beverage company, maybe own starbucks. It seems like the science coming out in support of coffee, right? It's coming and telling you that these sodas. They're gonNA. Make you fat. Coffee, it could extend your life. It could help you live longer. SMART Mexican looking this a starbucks as well is. That sounds like study from the copy roasters of America. Do! Something that Chris Hill sent me the other day. that. We sleep at night. I'm glad I've been drinking coffee as long as I have God knows what I would look like otherwise. You're a good looking man. Rick. good-looking next question comes from. A. I'm trying to save money for my kid's College. Fund while the five nine is a great option. I'm limited to investing in mutual funds, which means at best I'm going to get what the market gets assuming I do some sort of low cost index fund and I be a capital F. Fool investor have been doing much better than the market in the last three years of being a member of. Of Stock Advisor Enroll breakers, even during this pandemic mess by listening to every full podcast and following David and Tom's and yours and every one else's in the full universe. My portfolio of about one hundred stocks is up here today. Thirty percent to the market's down five percent as of day as of today weighed down by three sluggish five to nine plants that are also down five percent each. I feel like throwing away money by using the five to nine, and not being allowed to select my own great companies in which to invest. What's more, my understanding is that the five to nine does not count as an asset for the kid when applying for student aid, but the coverdale does. So I come to you with a simple question. Can I have my cake and eat it, too? What if I wanted to use the coverdell to buy individual stocks? Until the child is nearing college? At which point I then converted to a five to nine. This allows me to get better returns and avoid it being an asset for financial aid and get the favorable tax benefit. So, chose this question, because first of all Dune does a good job explaining the benefits of the coverdell over the five twenty nine, you can buy individual stocks. You can buy and sell them all day long. We recommend that, but you can. Whereas with the five twenty nine, you can only make two changes to the investments a year, and it's all mutual funds. So. That's you did a good job of explaining that. I will point out with the coverdell. It's gotta low contribution limit of only two thousand dollars a year, so for some people save more for college, but they can max out to cover it out, but then put the rest in a five twenty nine. One thing that doomed does not have quite right. Is The financial aid treatment the financial aid treatment? Coverdale's and five twenty nine is identical. They're treated as assets of the parent, not the kid that is favourable from a financial aid perspective. It's not negligible doesn't mean it doesn't have any effect on financial aid, but it's better than an asset that is owned. By the kid. He can. Transfer money from the Coverdell to the five twenty nine. If for some reason, he decides to do that, but you can't transfer it. The other way around so were convinced to try out the covered. You have money in a five twenty nine. You can't move it from the five twenty nine. To the coverdale. What other interesting thing that he pointed out is that he is doing very well with his investments, and he owns about one hundred stocks. We get this question a lot. Either on the show, or on the full live that we run every day for members of full services, and that is how many stocks should I own, and if I owned too many are not just owning index fund watering down my returns, but here's an example if someone owns a one hundred stocks is still crushing the market. Idol last question comes from Cameron thoughts on the valuation of Stone Co in light of the corona virus for a fragile country like Brazil. This could be the tipping point after so many other headwinds. But how does that affect stone? coz Business Jason I. Don't even know what Stone Co is. What is still business? Yes, don't Coz a payments company that's focused on Latin American markets in Brazil and particular in so I guess it could be. Draw you can draw a parallel to to a with square through pay pal at, but generally speaking I mean it's payments. Company focused on Latin America. Primarily Brazil. Is the big money making market kind of like Marco Libra, they're. In I, I, it's a it's. A NEAT opportunity, gained a lot of headline recently, when and it was, it was seen that Berkshire hathaway. Warren Buffett's company Berkshire hathaway taken a five percent position in the company, which is pretty considerable i. Think in the near term. You have to acknowledge the fact that. They're gonNA, be some real headwinds in in Brazil particularly because of the pandemic I mean. The flip side of that is role in same boat kind of in that regard. The entire world is dealing with it, so it's not specifically you know it's. It's not particular to one economy or one country some. To get hit harder than others I, do feel like Brazil. Be at a place where they can recover from this given You know some of the other businesses in the area. I mean that that that I think is. Who knows ultimately how? That's GONNA shake, but generally speaking. I think the move away from cash towards cashless. Transactions in and financial software that's not stopping if anything, this hastens that which which is what I think, Cameron's talking about there and for a company like stone. Co, neither are other companies in the space pags bureau in roquetas libra to but you know moving money around is a big big market opportunity, and there's nothing that says they won't be able to expand well beyond the Latin American markets, too, so I I'd say cautiously optimistic I mean I

IRA Jason Moser Google Chris Hill Brian Feroldi Canada Starbucks Warren Warren Buffett Twitter Toronto Alison United States Muny Bond Brazil Alex
Stop Stepping To Your Vision

Marketing Secrets

06:40 min | 2 weeks ago

Stop Stepping To Your Vision

"Right but so. Most you know Rachel Pearson spoke at the last two hacking lives and she's made. She's also the Queen of Tiktok, and my daughter is her biggest fan, and anyway she's actually going to boise and my daughter so excited to talk with her, which is going to be so fun anyway, she. She, she walks me over a really cool question about you know taking things once airtime, and how you create your vision, and how you bypass things in all kind of stuff so I'm GonNa play her her part of Oxford right here, senior the question and then I'm GonNa. Come back, answer if someone called me out today, and and they were very spot on. They said I feel like you are taking the stairs. One step at a time when you are destined for greatness, so my question to you is. How did you create a vision? Did it fall into your lap? Did you read a book how you create a vision for your life in Your Business that? Keeps everything going. You know like the infinite game from Simon Sinek. Thank you so so so much. Okay, so I think it's a really good question, and it's interesting because. I think a lot of us. We get into this game and we don't really know what's possible where we're going or any of those things you know like. I didn't I didn't know what was happening. Today was possible by any stretch of the machinations. So I think sometimes you bypass your vision. In fact, it was kind of a really cool. What a really cool experience I was Remember we did. The final startup story was with mixer at this. In Utah called the drive, our comedy club and had JP sears. Come into roast me for an hour before we. We did the interview and it was so funny, but anyway at dinner I asked JP makes what's next few. What's what's the next plan? And he has smiled at me. He looks so content something that I've never been my wife and he was like It's like you know what he's like so far. Everything that's happened me surpassed wherever possible select some China just enjoy, and just like enjoy things as they. They. Come and be grateful for them. And I was like Oh my gosh. That is amazing like I need to learn that, so there's that piece of it right and he gets entrepreneur struggle with us, because because We're always looking, you know come back to my my last podcast, so talking about We're so tied into achievement achievement. She moved. Forget about the fulfillment side, so there's an apartment, the other side which I understand Moore's this goal of achieving and trying to take over the world and stuff like that and You Know I. Remember A- At the very I live in ever went to I remember I one thousand dollars to go to which is like the first step for me, my call so much money like stressed out and the speakers talking up people selling different things and and I remember. I can never Ford this thing for two grander, five, ten, grand, or all these different things kind of being like bummed out about it right and I. Remember Admits Kid and the kid was. Maybe a year, older Mir, maybe same age. I was like I was twenty two at the time he been twenty three or something but we are about the same age and and I saw the the presenters Solas Mash grouping route three signed up for it and I was like how did you? How are you for that like I can I can figure it out for that and he's like. Oh, he's like well. There's two ways to get. Get the top you can work your way, and you can buy your insights by my way I'm like well for sounds like this leap in thought I'd never have crossed my mind before my okay, it's pretty cool and then then it's more questions like well. How'd you four for this and he's like I'm actually in twelve masterminds. This time I was like what how did you do that? And he came back and said well what I did is that. What and He's like I. wanted to go these things, but I couldn't afford us as they found. People who kind of trained toss of to so I wanna go is mastermind. Groups obviously can be expensive for everyone to pay. For you for you know if you guys want to go, all this is going to be really expensive so if you're interested. I think if you pay me ten grand and I get. I don't know twenty people. Two hundred thousand dollars Algo. Join all of them and I'll come back until you cool stuff I learned and he got all these people are paying twenty grand. And he took the money, or whatever it was I don't know. And he joined all these mastermind groups, and he bought his way in, and he got up, and he built his company very very very very quickly and I thought that was just a strategic thing. You know I remember celebrity apprentice. Few Watch delivery apprentice in the past I three or four episodes, people do things that was like fundraisers. It was like Corey's money sleep while on the street and they're try. Lemonade always seems raise. Money wasn't tough. I don't know two or three seasons in when the dude from kiss. that. Yeah. Kiss Gene Simmons. GM's was on it and They do fundraising things out there trying to raise money that hustling and he just sat, there picked up his phone made a phone call and got a check from his buddies for half million dollars, and you destroyed everybody else out of the Moore. Looking at thinking, he's thinking in a different level and everybody else says the thought difference, right? Everyone's like like here's the task must do the thing. And they jumped up him. Trump except step-by-step. Whereas Gene Simmons came back and said Look I can do that or I. Can just do this and we'll jump you know a thousand steps past everyone else. And I think I remember watching have now and just like okay. I got started thinking more strategically. US think tactically which tactics are so important is how we get the thing done, but it takes stopping stepping back and looking at things more strategically of okay. Here's next step next up. You want to jump five or ten or twenty tears is not going to happen by you. Doing the next step is to stepping back and saying what's the next thing like what's the? What's the big the big domino? The next I don't know there's ways to phrase. It I'm not sure the best way but conceptually it's it stopping the tactics instead back strategically and thinking different right. Click funnels I'd so many amazing strategic conversations with friends and people The worldwide software company right, if you, if you at the expert, secrets book like we talked about movement and finding a future base 'cause and like all these things that weren't. They weren't tactically like. Here's the next step it. It's like how do we? How do we? We've these things into our culture right? How do we? H-. How do you do these things? They caused these incremental big shifts as opposed to just increasing your your your ads by ten, or you're just created another friend and offer it's like. Have you create things that have mass shifts? Mass changes things like that. I think it really comes back stepping back away from the tactical, which means getting out of the day today, which means taking a vacation, which is hard for us right or or doing strategy your team, and just they look for three days, and we're GONNA work. We're talking about like what's possible. It's a future. Where could we go you know not not with Nextstep, but like if what if we just destroyed these steps and had a whole new thing like what would that look like? And how do we get there and you pull it? Poor Gene Simmons instead of fundraising. You just pull out A. Just, you know, put your phone and call buddy in and get five hundred thousand dollars in five seconds. That's that's the power of it so I. Hope it helps the no, it's not a full answer. Hopefully gets the Wilson head-spinning. Everyone else's listening help that helps as well

Gene Simmons Moore Jp Sears Rachel Pearson Simon Sinek Oxford Tiktok Boise China Utah Ford GM Corey Donald Trump
Washington DC, Baltimore among worst-run cities in America, study says

Mark Thompson

00:27 sec | Last month

Washington DC, Baltimore among worst-run cities in America, study says

"Study ranks. How U. S Cities air being Run Right now buddy from Wallet hub rated how the 150 biggest cities in the United States are being run during the cove in 19 crisis. While it has based its quality of services score on several categories, including safety, health economy infrastructure based on the city's budget, the two worst run cities, according to Wallet Hub San Francisco and Washington, D. C. Oakland right near the bottom of the list is well the top three cities for doing a good job or Nampa, Idaho. Boise, Idaho and Provo, Utah.

U. S Cities Idaho United States San Francisco Nampa Provo Boise Oakland Utah Washington
Doctors in Recovery

AA Beyond Belief

02:41 min | Last month

Doctors in Recovery

"You might remember a couple of weeks ago. We were we had Sam s on the podcast and she was talking about the issues surrounding educators in recovery, and during that episode I had asked if there were any other professions, doctors lawyers whoever might want to talk about. The issues they face in recovery, police and us, an email and fortunately We did get a response from our guest today. WHO IS RICH S? He is a physician from Portland Oregon and I'll just read you a little bit about what he wrote in. His email is kind of a way to start this off. he wrote. The stigma of addiction in the medical profession is real in it is strong and persistent. As you know mental health and addiction issues or higher in the professions in the health professions that in the general population, despite this, we struggle asking for help. There are many reasons I believe that. Many of us have codependent tendencies. We want to be the healers, not someone needing healing as for me. I put myself in a position financially with my family professionally where I felt I didn't have any choices. My one choice was alcohol to escape. With regards to the current Kovic situation. I worry for my fellow professionals. We are painted in the media and popular culture as superheroes. That's a lot to live up to in a time when many of us are suffering from endless work, and no time to grieve or give ourselves self care. I fear that addiction and mental health issues will soar as the Cova. Crisis Continues Welcome to a beyond belief rich. Thank you God glad to be here. Nice to have you I'm I'd like for you to meet or speak with Angela She is my co host, and as you know from a boise. I Angela I. So glad you're here. I loved your email. It was it was very touching and I appreciate the follow up. You sent and the article that you shared with us, so maybe you can talk a little bit about that as well. Yeah that was an excellent article. In fact, I'll post a link to that with the podcast descriptions, so people can read it, but it was an article written by. Dr Loren Richmond and she described Oh evening when she was walking home from work. Of If I got this right. She's across the bridge, and and as she was at the bridge, it occurred to her. Why so many physicians might commit suicide and she described various Of Her profession and it was really a very well written article and very moving

Dr Loren Richmond Angela She Sam S Portland Oregon Angela I. Cova Boise
Schools debate whether to detail positive tests for athletes

WBZ Afternoon News

00:30 sec | 2 months ago

Schools debate whether to detail positive tests for athletes

"Over the past two weeks college athletes have returned to campus is to work out and prepare for sports later this year and a handful of them have tested positive for the coronavirus Arkansas state Houston Boise state Iowa state Oklahoma state more than a dozen schools and all just so many positive tests isn't known however because college officials are debating exactly what to tell the public the inconsistency has been apparent since football players began returning to campus this month for voluntary

Iowa Arkansas Oklahoma
Andy Bettles coach of World Number 5 Elina Svitolina

The Passing Shot Tennis Podcast

05:29 min | 2 months ago

Andy Bettles coach of World Number 5 Elina Svitolina

"How everybody and welcome to another episode of passing shot meets where we are joined by Andy. Battles catch of world number five Alina still, Lena. Andy Welcome to the show, it's a real pleasure to have you on. I've gotTA confess. This is the first ever policy shop meets. We've done with top coach liked yourself, so we're of course really looking forward to it looking forward to learning a bit more about. Toward Life on the WTO and teams Italy as well, but of course before we get into all of that. How has lockdown down? Life been treating you? Have you been able to get back onto attended school? Being out. Of being really been outside tennis Tennessee. Because on a member of a club, so. allowing guests, whoever and every single call where I live. In South West under so fully booked to the movement. When again now that I'm still yet to Have you not a wall next to where you live that you can just kind of play against. The backdrop for something well could do that. For Longer. It no more times. It'd be great to see so many people out on the lake or court spur. We normally see that like post. We're mood and date with the boom. Yeah I guess it's because of the current situation, but I think I'm from Tamara. The rules are relaxing, even more say. I guess that we even more people wanting to get out and about. Let's let's. Begin and you're actually the first coach we've had on on the show. You said welcome and thank you very much for aching the time to come on. Of, course we know you as Alina. Salinas coach. I'm sure of our listeners will be aware of that as well, but let's kind of go back to the beginning. And if you could just tell us a bit about how you how you go into tennis. When when did you start playing it yourself? IOS I was really young when I started alike can say three or four. When I started picking up a Racquet, my mum was always big tennis fan. We Live Right next Leo club down some actually. And I had older brother copiers over the May who started playing tennis. Mutt done some groups whoever and I just want to join followed on. So I started plan from really young age, and then kept at, it turned out to be pretty good end up going to reach school to kind of focus on the tennis from eleven to sixteen. The moved to the National Center to then a after in America so. Quiet too long tennis journey. Where are you based in America? Smooth Boise Boise State University. One by the. University about it yet a great time dire played professionally low bell to that. That's always one of the things I'm kind of jealous about when you get the players going off to do. Scholarships and the tennis in America. Jealous, of not to mention everything else, but. At what point did you move into like coaching? When did you kind of make that decision? And how was it kind of a natural decision to make quite fraught Eva Choice? Can finished a fishing vessels are twenty. One always wanted to give it go the Proto. Get out fatty quickly. That I wasn't quite good enough. Bay I definitely didn't have the money to. Keep traveling around and doing it so i. Guess I never. It was never like a big thing in Gaul. Really WanNa go into coaching whatever? kind of luckily. Fell into a job of 'em sparring partner. With. ANWR Ivanovich can stray off. Finish planned NACHO. Says was head coach of the time, and he asked me to be his sparring partner. So of course I'm yet great. I'll do that and then from there. When I was kind of inside that wild spending time with my job learning from him I kind of. Found, my appetite for coach, it and You felt like you were saying that one student forward and was quite a natural transition from lie, hitting partner to catching of develop more responsibilities as you found your found your feet on the on the tool. Yeah I kind of moved into it fairly. Slowly because I was with Nigel to stop with Anna for lucky. At the beginning, I didn't really speak much and always just hits Dimona into fake involved, and then the the long way together hid to a few weeks. Swear so there'll be a few weeks. He wasn't that Abi on my own and can unnaturally saw no given a few. That and then not just progressed, and when I start to Molina, same thing I was kind of sparring Jonah. Move to assistant coach could have yet graduate progressions. House never felt across thriving in the deep end. The big differences been sparring partner does not pressure, say anything or results is much Wa with the coach, and it definitely definitely feel about that more.

Tennis Partner Alina Boise Boise State University Andy Welcome America WTO Salinas Italy Molina ABI Dimona Tennessee House Gaul Nigel Anwr National Center WA Anna
The 3 Closes

Marketing Secrets

03:54 min | 2 months ago

The 3 Closes

"This is a framework that I've been using for myself for a long time, and I assume that everybody knew it or did it and one time we had a marketing meeting. This is probably. A year ago, we flew most of our marketing human boise and we're sitting there and I remember mapping this out I was explaining the land of landing as I, said Hey, this is the three and how easy Monta landing page and everyone seems like what they start freaking out I was like. Didn't everybody know this like I? Don't think anybody knows you've never talked about it before. No one's ever shared it. I was like. Oh, my Gosh! That's amazing, so I've talked about this publicly anywhere before. Besides right now and right here so I want to kind of go through this, so I call this the three closes how to quickly double cells by weaving these three invisible closes into every step of your funnel. And this was the framework looks like, and it's emotion logic and fear all right, so step into. The understand how how this framework works, so the first thing it to understand. I learned this originally from Perry Belcher I. Think Perry from Dan Kennedy, but I'm not sure. said something really interesting, said if you look at. Anything in life. The reason why people either move toward you or they don't move at all is because of this weird thing that we have as humans called status. We liked to fill status right so that's kind of the how this. All sowings based on understanding. Okay, it's all based on status. And so when somebody's looking at any opportunity, you offer them. Here's an here's my product. Here's my service. Here's my whatever with their thinking about subconscious, subconsciously in their mind is. If I, do this thing. If I buy this product, if I move forward in this way, is this thing that I'm considering? Doing is going to increase my status, or is it going to decrease my status? That's the psychological turmoil that happened here at every time they can offer. It really boils down to that simple. Gay Is GonNa. Make me feel better about myself. There's going to be worse may increase decrease my status case? Let's thinking Oh. That's not me. I don't make decisions that way okay? I'm not I'm not so self centered I'm worried about my status all the time, but interesting status works both ways. Some people by really amazing things like say a really expensive watch or Nice car, because it will increase their satisfy. I'm going to feel really good right. So that's one side of some people. They don't buy a car. It's really expensive because they feel like that will decrease their status, right. The first time ever shared this concept. I remember I was talking about. A Ferrari announced here for I store here in a second. Talking about a Ferrari I remember. You go to go to buy a Ferrari. You do because you want increase status and I remember leading dinosaurs changes like I would never buy, not increase status. Just that would actually decrease by status Mike exactly your your fears, the other side like if I buy things going to decrease by status. What are you drive and she's like a minivan make. Why do you drive a minivan? And she says well, because it makes me feel intelligent because I know it gets good gas mileage and makes safe. My family always kind of things. I said so. You've got a minivan. Increase your status. Sick. Oh, my Gosh I never thought about that way I thought that everybody. Status was like this thing. That was a negative connotation, but all of us do it. And, so that's kind understand so as we move into this framework I, want to look at it through. That frame of understanding status can all right so the first close we're selling. Anything is our emotional close now. Motion is the most powerful tool we have for selling anything. And, so that's why we spent a whole session last night for two hours talking about the Epiphany Bridge Story K. story is an emotional close. Until you store and getting you engaged all your feelings are happening right? Okay, and so you're getting the emotion now motion. Is the most powerful thing and for years. This is the only way that I knew how to close. If I would tell stories or most people feel it right, and then we're going there to buy things. Okay so emotion people this emotion. It gives them a status increase like. Oh, my Gosh! This amazing by get this thing. If I buy this product or service right I'm mean have better style I'm going to have more happiness. More wealth physical appearance might feel better about myself and lose weight. I'm going to make money I'm going to. You know whatever the thing might be. Decision Right now if you if you look at the metrics about fifty percent of your sales will come from the emotional close.

Dan Kennedy Monta Perry Belcher Epiphany Bridge Mike
Apple reopening a handful of stores this week

Afternoon News with Tom Glasgow and Elisa Jaffe

00:28 sec | 3 months ago

Apple reopening a handful of stores this week

"Well the first apple store in the U. S. re opened today in the Pacific Northwest hers come mostly Romero the only apple store in Idaho has re opened in Boise with stores in three other states set to open this week Jefferson Graham is a tech reporter for USA today you're gonna see employees with a facemask Stevens his social distancing and you're gonna see temperature checks for customers before they can walk in the door Alaska Alabama and South Carolina are the three other states with stores scheduled to open on

Romero Idaho Boise Jefferson Graham Tech Reporter USA Stevens Alabama Pacific Northwest Alaska South Carolina
A Lawsuit Seeks The Removal Of The Directors For Park Service And BLM

Environment: NPR

01:58 min | 3 months ago

A Lawsuit Seeks The Removal Of The Directors For Park Service And BLM

"A lawsuit filed today seeks the removal of the controversial acting directors for two federal agencies. The agencies are in charge of millions of acres of public land energy development and the country's national parks. Npr's Kirk siegler reports the National Park Service and the Bureau of Land Management Have Not had permanent Senate confirmed directors for the entire trump presidency. That's a violation of the Constitution which requires Senate oversight of these key positions according to a lawsuit filed by to Washington DC and Idaho based conservation groups. And they're just a freewheeling detouring around the constitution in allowing these lower level political appointees to be running a show Peter Jenkins is senior counsel for Public Employees Environmental Responsibility the overall pattern is to weaken the environmental bureaus and allow state interests in private extractive industry interest particularly in the case of Bureau land-management to be able to call the shots. This lawsuit is the latest to shine light on the trump administration's unprecedented use of acting agency. Heads but the group's suing have long been suspicious of William Perry pen-li in particular leading the B. M. His temporary appointment has been extended now five times since taking over the agency last summer. Penalty once advocated for transferring ownership of the very public lands. He now manages over two states and private interests but in a recent interview. Pen-li told me that is not part of president trump's agenda regardless of what I've said in the past the one thing is clear is I'm a marine. I understand how to follow. Orders follow orders in this case in a statement the trump administration called the lawsuit that seeks to oust penalty and David Vella the park service. Baseless and a distraction as the park service in particular is trying to safely reopen national parks during the corona virus. Pandemic Kirk Siegler. Npr News Boise.

Kirk Siegler Senate Donald Trump National Park Service Public Employees Environmental NPR Bureau Of Land Management David Vella Peter Jenkins Idaho William Perry Senior Counsel Washington Boise President Trump
Should I create a new company for my product idea?

Side Hustle School

02:52 min | 3 months ago

Should I create a new company for my product idea?

"Hi this is cody. Howard from Boise. Idaho and I've been listening to this show since the very beginning exciting to say I'm a recent side. Hustle is the route podcast rusty creatives philanthropists entrepreneurs and business leaders about finding the path to a more filling life and actually took me around eighteen months of analysis paralysis and getting over the fear of failed past projects to record the first episode. And actually get something out there. But what I've discovered they're out this process. It's actually very common for people like me who are wanting to start a project or a side hustle and now working on a fear journal to help ambitious people gain perspective on their fierce and move from that place of analysis paralysis and into action. Which leads me to my question. My question is because I do not have a large audience or authority in the space is a better to create a separate site and brand altogether for ejected consumer products or fear Journal and keep it separate from the podcast or combined them from the start. Thanks for listening and I can't wait to hear your input. Keep up the great work everybody coney. What's up man? Thank you so much for listening from the beginning. Wow that was twelve hundred twenty two days ago. Amazing congratulations as well on getting over the fear of failed past projects. Indeed you are not unique in that way as I said pretty much. Everyone struggles with this one way or another. I certainly have so the fear Journal. Sounds like an interesting idea. Definitely seems like something for anybody with a creative project. Actually not even just entrepreneurship side hustling but anybody who has a dream and wants to make something like we all struggle with these kinds of issues to some extent or another so as to this question about whether you should create a separate site and brand or essentially kind of integrate them. Combine them. So I think that there's not a right or wrong answer necessarily even if you made a separate brand and website. I assume you would promote the journal on the podcast which you should but my inclination actually based on. What you say is that it's better for you to do that. Second option and combine it from the start and the reason is because you say you don't have large audience but presumably you're trying to grow an audience around the podcast. So why not tie them together? Somehow you know in fact why not involve the listeners in the creation process tell them your vision share the story as it evolves and then if pure journal is successful well it's now linked to the podcast which is not a bad thing at all and if it's really successful than it can go off and become its own brand which is also an ideal outcome so it just seems to me that way doing the integration. Brian trying to build two separate brands from the ground up at the same time. So that's what I think. Let me know how it goes. I would love to see this journal whenever it's ready.

Fear Journal Howard Idaho Boise Brian
"boise" Discussed on Real_Sports: A Snapchat Sports Pod

Real_Sports: A Snapchat Sports Pod

05:48 min | 3 months ago

"boise" Discussed on Real_Sports: A Snapchat Sports Pod

"I'm GonNa say the Monkey. Well the unfortunate part for you is. There are no bananas on a coconut tree. Oh neither have when. Yeah when you said it Basov reaction. I'll give you credit on that so you scored very very on this task. So we've got you like at eight to nine year pro bowler if that's okay with you. You're going to have to work to get to the hall of fame. But we've at least gotten to that point so we appreciate. You can only do so much on your last name is Cleveland. You have been mocked in some drafts to the Cleveland browns. Is there a specific team and you can give us the media? Answer if you want to which you'd be happy to play forevermark. Cut It out though if you do. But is there a team? Let's say that you would love to play for. Is Their team. He lights growing up. Where you see Hawks Fan? Is there a team? You've always admired because of other offensive linemen. Like where do you land on that? My family's a big Seattle Fan and being from Washington. I think you'd be really cool to go to the seahawks but You know my last name being Cleveland. Another funny funny fact is my my cousin. Last name is Brown. Yeah so I think You know going to Cleveland having Cleveland the back. I think he's funny to the right about that. Yeah I mean either. One of those teams would be funny or be really cool but by. You're saying it doesn't matter what team I go to as well pulling the national football league. Yeah me too but but the best part is well the best as you can see you so he doesn't actually no. I'm radically four. Four five eleven. I'm six foot and a half as of measure the zone when Susan now doubt shoes off shoes off six feet and a half without shoes on. I'll bet any amount as he can't see me as the poof hair up is is like the guy this is for another time but I one eighty five soaking wet so we can try and figure out but anyway what other than football. What do you do when you're not playing football? What are some of your hobbies? Someone hobbies include playing xbox. I'm a big Gamer. Yeah what what do you plan right? Now you know twenty cod the war zone on a bunch of the guys bracket boys here on fortnight. Still so I get on everyone fall for them. Down just redecorated. I never got into it. I never got into it. I I miss most when I was in college two years ago. Like you're surprised at how much it makes you hang out with your friends like I genuinely believe it helps you like I think it would help teammates off the field like you're just constantly talking hanging out with each other what do you think about. When are you a big madame player own? I never really got an amount and my dad always would always beat me when we played So it's never really get into it. Do you think you'll be excited to at least see yourself in the game because that's a pretty cool nominee? I think it'd be cool. I WANNA buddies that You know play that type of stuff and they're always joking around like a more draft you on the mantle ultimate team. You're all my team no matter no matter your overall and stuff like that so it'll definitely be cool experience a it's interesting because he talked to a bunch of other players and we're like so you get to create yourself and like I'm trying to think of. I don't think I've ever created an offensive lineman and Matt and entered definitely interesting to go to the skills you can create honestly right i. Yeah I actually agree. I don't know if they put that in the game because they don't really have like blocking controls. They always leave the alignment out of all the fun stuff. But Ezra thank you so much for coming on the POD. We really enjoyed it and we are super excited to follow in the League. I'm a Ravens Fan Obscene Eagles fans if you do go to the Browns. I don't know how feel about that. And Abraham will towards the seahawks after they knocked him out of the playoffs but I would love to see you twice a year in the division. So I'll leave at that but best Final thing is I followed you on instagram. I want everyone listening to the pod to follow you. So what is your instagram handle? It's as real underscore Cleveland. There we go and talk to your boy and we gotta get you verified your visa. That could that's what. That's what happens obese your appreciative. Ezra thank you so much for coming on best of in the League. Best of luck for your. Nfl future will happen every Atis. Don't forget about us when you're big all right. Just just remember. It was our task. That made you who you are right and nothing to do with your training your skills any of that was just. I'd hazard stay safe out there. We'll talk to you soon. Taken Big European. Show that you too. Thanks for listening. That conversation with Cleveland. Oh Lyman from Boise. State Ezra is projected to go late first round early second so I'm excited to see who- scoops them up in the draft as best of luck to you in the League Fan. Stay tuned for more of our. Nfl draft series coming soon he's..

Cleveland seahawks Cleveland browns Ezra League national football league Brown POD football Seattle Hawks Susan Boise Washington Abraham Matt Ravens
"boise" Discussed on Real_Sports: A Snapchat Sports Pod

Real_Sports: A Snapchat Sports Pod

02:38 min | 3 months ago

"boise" Discussed on Real_Sports: A Snapchat Sports Pod

"We'RE THE THIRTY SECOND. Pick in the two thousand eighteen. Nfl draft the Baltimore. Ravens Select Lamar Jackson in the two thousand seventeen. Nfl draft the Pittsburgh steelers select T. J. Watt Backer. Cows sixty seven in two thousand seventeen. Nfl drive to New Orleans. Select Alvin Kamara back Tennessee. We're back with another episode on this episode. We talked to Ezra Cleveland. Oh Line from Boise. State as is such a funny dude. He's a nice dude. It was really just a pleasure sitting down talking to Over the phone if you're listening to the best of luck in the league my snapback famine joy that episode. Let's get it as how you doing. Today blueprint go while you do not too bad. I WANNA get out this. Question's actually always been found out. We were going to have you on the pod. I saw you into Boise state and I was like okay. This is been on my mind for like fifteen years. So when you got to Boise State. I'm just going to get right off the bat. How long did it take you to adjust to the Bluefield because that is something that when you watch on TV? I've been watching Boise Football. Since the fumble risky. You're the hook and ladder when in that in that in that. Bcs Game and it's still will never get. I'll never get used to. How long did it take? You get used to playing on a Bluefield personally. Locked out there. I mean it's it's definitely shocked at first but It once you're playing you honestly don't really don't really notice it. I know I know on TV. The field comes off a way brighter than Ashley isn't person. I mean yeah so watching on TV now it might hurt your eyes person. I think I don't think I've ever met anyone. That's had a problem really adjusting to it because you know you're out there playing ball. You're not really focused on the color of the field and you're you're more or less just looking at the opponent across review other color field always thought like why other schools haven't done that like why. Louisville not making a redfield or or Texas and making a burnt orange field or something like that. I don't know spice things up Dupree. Yeah so we pract. We do every unless like we're playing an opponent that has like garage or something to the Grass Field. You'll get get Appointed to the grass and playing on the garage for that week data..

Pittsburgh steelers Boise State Nfl Bluefield Ezra Cleveland Boise Grass Field Boise Football T. J. Watt Backer Alvin Kamara Lamar Jackson Baltimore Ravens Bcs New Orleans Louisville Dupree Tennessee Ashley Texas
Trump says he will 'authorize' governors to reopen their states

All Things Considered

01:25 min | 4 months ago

Trump says he will 'authorize' governors to reopen their states

"President trump today took to social media to press states to move forward with business re openings but many governors argue there's not enough testing available to safely reopen the economy and PR's once our Johnston has the latest in a series of all caps the president tweeted liberated Michigan and deliberate Minnesota the governors of both states have implemented social distancing guidelines that shattered nonessential businesses and schools and have forced people to stay home the president's tweets come a day after he said it would be up to the states to decide how and when to start re opening for business NPR's Windsor Johnston Idaho's governor says plans to re open his state's economy are in sync with the president's guidelines Troy Appiah Boise state public radio reports governor Brad little extended Idaho's stay home order through April thirtieth and says a phased re opening of the state will begin may first he says that timeline requires a sustained drop in the number of covert nineteen cases and increased testing to prove it but on Thursday the governor told Idaho public television that hard to find equipment has slowed testing there been different limitations there aren't enough cartridges other ones it's free agents other ways and swaps in a course all along it is been PP governor little says re opening may first would likely not apply to restaurants bars and salons so far Idaho has tested less than one percent of its

Johnston President Trump Michigan Minnesota NPR Windsor Johnston Idaho Troy Appiah Brad Little Idaho
Women In Voice with Dr. Joan Palmiter Bajorek

Sound in Marketing

05:07 min | 4 months ago

Women In Voice with Dr. Joan Palmiter Bajorek

"Have a PhD in field of speech language technology. I'm a linguist researcher. I was getting my PhD at the University Arizona. And starting so I. I think a lot about multinlingualism and multi modal and kind of the future of voice integrated into everything And I was presenting my PhD research domestically and internationally at academic conferences and the tech conferences. So I spoke at the first voice summit back in two thousand eighteen in Newark New Jersey. So I went there and I was presenting the same research right But the demographics in the room and the large number of White Milky No. It's just like I seem Silicon Valley. Hbo Show but like there's something to be in that room. I just the phrasing uses like I couldn't be complicit normalizing behavior of what I was seeing around me and so I went home I was like what am I going to do? What are they GONNA do Of course like immigrants basement and Decided TO LAUNCH MINIMUM. Boise months afterwards that that was August twenty eighteen and the rest is history now. We have ten chapters internationally in seven countries. I think three in Beta some talking about London Madrid Seattle. I'm GonNa Forget. Overtake them really fast. Just huge international community. Talking about gender diversity invoice tech celebrate improvise empower is all about. I like that. Celebrate amplifying empower. I love that and I think that that's good for. I mean yes women but I think just any anybody that doesn't have a representation of themselves out there to look at that so so important I have Just for an example I have A bunch of Korean friends that They got so excited. When parasite when parasite gleaned up at the Oscars because they didn't have a representation of themselves to like you know strive towards like it was just the yeah so anyways. That's really that's really to women and boys we talk a lot about intersectional. Feminism which is. Just you know big jargon words but talking about the intersection of where you're coming from and the privileged you bring to the room. I think similarly to your story about your Asian friends. One of my friends is Latino and he came to and he's like I love woman voice. Women Invoices Awesome. I'm also a Latino in voice and I'm ushered in other ways and so I was what I said to him as an ally to you and you can be an ally to me right. We can support each other in different ways and hope that the narrative that everyone can I this narrative like join the party like we we see the world in such a a new on way and I really hope that I do see change. I don't know if you see change. But last year I was pinned by two very senior. Hiring managers were like coming to consciousness and saying like. I'm about to hire someone in. There are no women on the list. No single one is a finalist candidate for the super senior role. Joe What should I do like? Oh Wow I can't fix the system but I'm so glad you're coming to these Well I mean that's the first step I mean 'cause Until you realize you can't really be searching for the diversity if you don't realize that there is no diversity because that's a real thing to the you just don't realize that the whole room is white or you know or it's all male I think I I am seeing change definitely. I'm a composer and songwriter. And everything I didn't when I graduated college in two thousand and three I was the only female the graduate. The composition degree At a very small school but I was the only female and then For composition and everything like that I had a handful of women that you know. I associated with that. I you know I wanted to aim that that level but really it was the male perspective for composers for a long time and now like with a home going to say her last name wrong. I'm going to say but with Hilter winning best score at the Oscars again the Oscars For joker that was so empowering that was so cool to see and I was even excited for parasite which I will never see. That movie. Can't watch horror movies but I was so to see that because they were not expected to win. I don't even think one of them and they just cleaned up. It was insane so I think definitely there is change happening And I I don't think that we should be worried about the speed of change but applauding it and going cool. Because I don't want to you know elect a woman to something and I disagree with what she stands for it. You shouldn't you shouldn't like want a woman to get ahead. Just because she's a woman you should want them to get ahead because you agree with where they're coming from and that they are the right person for the

Oscars HBO Researcher Newark New Jersey University Arizona Boise JOE Hilter Seattle London
"I heard the roar": Strong earthquake rocks central Idaho

Morning Edition

00:23 sec | 4 months ago

"I heard the roar": Strong earthquake rocks central Idaho

"New York the U. S. Geological Survey says an earthquake with a magnitude of six point five rocked central Idaho on Tuesday evening there are no reports of major damage or injuries from the relatively shallow quake the USGS says the epicenter was about eighty miles northeast of Boise the Idaho capital felt widespread shaking there have been aftershocks with magnitudes have been less

New York U. S. Geological Survey Idaho Usgs Boise
U.S. Geological Survey reports magnitude 6.5 earthquake has struck north of Boise, Idaho

John Batchelor

00:18 sec | 4 months ago

U.S. Geological Survey reports magnitude 6.5 earthquake has struck north of Boise, Idaho

"Reports a six point five magnitude earthquake struck Idaho tonight the U. S. Geological Survey says the temblor was centered seventy three miles northeast of meridian a city on the outskirts of Boise it's the most powerful earthquake to strike Idaho since nineteen eighty three when a six point nine magnitude earthquake killed two

Idaho U. S. Geological Survey Boise
White House projects 100K to 240K US deaths from virus

AP News Radio

00:39 sec | 4 months ago

White House projects 100K to 240K US deaths from virus

"Hi we're Mike going to go Rossi through a very a reporting tough a two magnitude weeks six at a White point House five press earthquake briefing president strikes in trump Idaho asked his the top U. S. public Geological health experts Survey reports to present a large some of earthquake the data that struck convinced north of him Boise to extend Idaho social Tuesday distancing afternoon guidelines the USGS to April says the corona magnitude task six force point coordinator five earthquake Dr Deborah struck Burke's just before discussed five the projected PM death it was toll centered that seventy a hundred three thousand miles northeast to of meridian two hundred Idaho thousand and about Dr eighty Anthony four miles Fauci from Boise of NIH people says across that total a large is not swath inevitable of the region that reported doesn't mean shaking that that's what we're going hi to Mike accept Rossi we want to do much much better than that the key says Dr Burks it's communities that will do this there's no magic bullet there's no magic vaccine or therapy it's just behaviors when Thomas Washington

Mike Rossi Idaho Boise Usgs Dr Deborah Burke Dr Burks Thomas Washington White Point House President Trump Coordinator Anthony NIH
White House projects 100K to 240K US deaths from virus

AP News Radio

00:39 sec | 4 months ago

White House projects 100K to 240K US deaths from virus

"Hi we're Mike going to go Rossi through a very a reporting tough a two magnitude weeks six at a White point House five press earthquake briefing president strikes in trump Idaho asked his the top U. S. public Geological health experts Survey reports to present a large some of earthquake the data that struck convinced north of him Boise to extend Idaho social Tuesday distancing afternoon guidelines the USGS to April says the corona magnitude task six force point coordinator five earthquake Dr Deborah struck Burke's just before discussed five the projected PM death it was toll centered that seventy a hundred three thousand miles northeast to of meridian two hundred Idaho thousand and about Dr eighty Anthony four miles Fauci from Boise of NIH people says across that total a large is not swath inevitable of the region that reported doesn't mean shaking that that's what we're going hi to Mike accept Rossi we want to do much much better than that the key says Dr Burks it's communities that will do this there's no magic bullet there's no magic vaccine or therapy it's just behaviors when Thomas Washington

Mike Rossi Idaho Boise Usgs Dr Deborah Burke Dr Burks Thomas Washington White Point House President Trump Coordinator Anthony NIH
Magnitude 6.5 earthquake strikes in Idaho

AP News Radio

00:26 sec | 4 months ago

Magnitude 6.5 earthquake strikes in Idaho

"Hi Mike Rossi a reporting a magnitude six point five earthquake strikes in Idaho the U. S. Geological Survey reports a large earthquake struck north of Boise Idaho Tuesday afternoon the USGS says the magnitude six point five earthquake struck just before five PM it was centered seventy three miles northeast of meridian Idaho and about eighty four miles from Boise people across a large swath of the region reported shaking hi Mike Rossi

Mike Rossi Idaho U. S. Geological Survey Boise Idaho Usgs
Magnitude 6.5 earthquake strikes in Idaho

AP News Radio

00:26 sec | 4 months ago

Magnitude 6.5 earthquake strikes in Idaho

"Hi Mike Rossi a reporting a magnitude six point five earthquake strikes in Idaho the U. S. Geological Survey reports a large earthquake struck north of Boise Idaho Tuesday afternoon the USGS says the magnitude six point five earthquake struck just before five PM it was centered seventy three miles northeast of meridian Idaho and about eighty four miles from Boise people across a large swath of the region reported shaking hi Mike Rossi

Mike Rossi Idaho U. S. Geological Survey Boise Idaho Usgs
"boise" Discussed on Sports 600 ESPN

Sports 600 ESPN

01:31 min | 5 months ago

"boise" Discussed on Sports 600 ESPN

"Around the corner in college hoops on Friday nights already down to the semi final in the mountain west fifth ranked San Diego state they got Boise state hello the drive inside the paycheck allowed in the corner K. state for three yeah this is nothing but net that's a huge basket gone Learfield IMG college the Aztecs of San Diego state rolled to a ninety one to S. sixty eight win over Boise state San Diego state improves to thirty one this season that's the best record in division one in San Diego state's best record through thirty one games in school history of the the Aztecs advance to their third straight mountain west championship game they will take on the winner of Utah state Wyoming out of that would tear them hoster drives two seventy two sixty six to the difference right there the six it is he Sam sixty six go on TV and you six ten AM and the Aggies of Utah's state end up knocking out of Wyoming eighty nine to eighty two we want Wyoming quite a run in the mountain west considering.

Wyoming Utah San Diego Boise Aztecs Sam
"boise" Discussed on AA Beyond Belief

AA Beyond Belief

03:39 min | 8 months ago

"boise" Discussed on AA Beyond Belief

"In this episode. You'll meet Kim L.. Who with her friends started a secular? Alanon meeting in Boise Idaho. So we'll talk about the challenges. They had starting the meeting and how things are going today. It's an interesting conversation. I think you're really going to enjoy this one Kim. How're you doing pretty good? How are you? I'm not doing bad. I'm doing good So you are here to talk about a secular Alanon meeting that you helped. Start Art and Boise Idaho. Yes can you start by telling me win. And where is that meeting We meet on Wednesday. Stay nights at seven thirty We need it. The Peer Wellness Center in Boise on Franklin road. And when did you start this This summer so in July really has been going for a little while. Yeah and you know. I think this might be the first secular al-anon meeting about ever heard of on as far as we found we are so. So what motivated you to start a secular meeting. While the fact that I'm a theorist and I am well not as uncomfortable comfortable in traditional alanon meetings as some. I am fairly uncomfortable in some of them and if I know that I'm uncomfortable comfortable Ben. I know there's definitely people that are more uncomfortable than I am. And that aren't getting the help that they need and everything to be able to join Alanon and get what they need out of it and get the support of the people in the group Have you been going back to Ellen on for a while a little less than a year. Oh Okay but you're as an atheist. You're not totally uncomfortable with it. But I'm there is some discomfort yes especially in the meetings where there's a lot more God speak and it just it gets kind of. I know that it gives me the willies. A little bit in some of those meetings and I know several people who would be even van more uncomfortable and they won't go to meetings because of that. There's a lot of people in a as well and I found that out when we started our meeting that Really the majority of the people that were coming they were finding us from our our website and they were coming to our meeting because they wouldn't go to a meet tuna abd and otherwise because they have the impression anyway that it's religious and understandably so if they go to a meeting that closes with the Lord's prayer in admonishes them to find God now and so forth so yeah so so did you have any problems is getting the meeting started. Did you have any resistance. we've had plenty of dog or this is the fun part We actually in the last last couple of weeks have been in touch with the WASO and they are refusing to list are are meeting crazy. That's the that's the World Service Office for Alanon. They're refusing to list us on the grounds that the dictionary the the dictionary says that secular is basically not spiritual. Oh Okay and and Alanon is a quote spiritual.

Alanon Kim L Boise Idaho Boise Idaho Peer Wellness Center Ben van Ellen
"boise" Discussed on The Brit and Yankee Craft Beer Pubcast

The Brit and Yankee Craft Beer Pubcast

01:53 min | 9 months ago

"boise" Discussed on The Brit and Yankee Craft Beer Pubcast

"Illinois. But you know there's other places so you think of Idaho. Nobody really thinks of Idaho's arm. There is something that twenty four brewers. They're really cool. And I've had a pleasure of tasting their bids because you brought them back so keep bringing the bears back Ma. Thank you very much you know. I'M NOT GONNA ask everybody to say which their favorite beers. I think we just need to raise our classes and say cheers to Boise Boise. Bid There's the boards and thank you. I think it's going to be an new tonight. Miss Somebody okay. I think he's GonNa be on New Year's guys Illinois. What was that new? Joan came up we can. I can't I can't remember it was like I didn't come over the you did did you. Boys e the and tasting and unction no one else was pointy thing going all your bills attempt to save. Oh boy thing but I can't remember what the hell it was. BOING boing boing Bruin all. I'm saying welcome to Boise. Boise we have lots of beer for your everybody. Technically well may be at right. Yes okay good thank God for. I can't remember the word. Go to waste that. We're actually name the podcast that it'd be the point. Okay thank you. There's a bunch of mad. Swedes okay but but..

Boise brewers Idaho Illinois Bruin Joan Illinois. Ma
"boise" Discussed on The Brit and Yankee Craft Beer Pubcast

The Brit and Yankee Craft Beer Pubcast

01:49 min | 9 months ago

"boise" Discussed on The Brit and Yankee Craft Beer Pubcast

"For for you to taste from them and it's kind of a barbarian brewing and a Mad Swede bring a sandwich date? Somebody's doing their job. We do have one of their high alcohol. Bauer Ledge Biz barbarian. Brewing is in a garden city. Idaho mark where is Garden City as it compared to Ida Cabestan a Boise Idaho boy. Yeah it's right and west of Of The maintenant downtown starts right where where the actual downtown ends on it. Lingers along the Boise River they have all the SS Garden City. It started by the Chinese the Chinese gardens so there and all that stuff now. It's just more recreational area. They have all the bike bads and walking bass and all that stuff. I think the best part of it as that along the river you can walk and bike a whatever. Use Your skateboards whatever you go down. Yeah I got one of them and uh well I would like to you Phil. But all I'm saying is is they. They have these breweries. wineries eateries stories bars Bits up places right along the river so you stop wherever you want and then just have a good time time. They're tasting the beers and food boise and it's really wonderful area. They building a lot of new new housing out there by the river. And all that so it is. It is wonderful. Part of Boise. They have surfing there. They they surfer. Yeah they serve on. You.

Boise River Boise Garden City Idaho Ida Cabestan Phil
"boise" Discussed on 850 WFTL

850 WFTL

02:10 min | 1 year ago

"boise" Discussed on 850 WFTL

"Good song. That's what we do boys. Boise girls. Pros for that. She sharada. Baby. True. And now it's time for the ladies. Yes, it is. And here's a girl group called the click act..

Boise
"boise" Discussed on REAL 92.3

REAL 92.3

01:48 min | 2 years ago

"boise" Discussed on REAL 92.3

"Boise this problem now you nope she doesn't want to alone bill oh phone and sean you ready john two thousand case finished doc.

Boise sean john
"boise" Discussed on Channel 955

Channel 955

01:33 min | 2 years ago

"boise" Discussed on Channel 955

"Daddy scowl rob is boise no there problem now don't no way no no me eight great remmy girlfriend thousand dollars you're gonna get my tip shit.

boise thousand dollars
"boise" Discussed on TalkRadio 630 KHOW

TalkRadio 630 KHOW

01:54 min | 2 years ago

"boise" Discussed on TalkRadio 630 KHOW

"Boise read back if i get that ebay does seem necessarily this is something i need to tell you it doesn't necessarily mean it's out of code or was done wrong it could mean that fix it doesn't want to mess with it because of the proximity that's exactly it may have been other ways to do it jr that doesn't mean the way it was done is defective that's what i need to find out but i promise you i will find out well the other thing is maybe when he had that furnace replaced the gas line was right there is why they put it there might have cost him more money at that time to move the gas well we could get a hold pleased a suzanne get the name of the fix it twenty four seven rep that was out as house at his house and let's get to the bottom of its speaking of that fix it twenty four seven he was talking about the thirty nine dollar clean and check for furnaces and air conditioners where they removed that blower clean it completely then they changed the filter they make all the adjustments they tweak the system all for that thirty nine dollars that's a real deal but if they said we can't we're not gonna pull that motor because that gas line i need to get details okay but fix it we'll do a tremendous job he wasn't complaining about them by the way but he said hey seven years ago this was installed let's find out if it was installed wrong and we'll do that by the way if you want to take advantage of that they are doing five the first five people four another thirty nine dollar cleaning check of your ac which is basically like a refurbishing of your system seven zero five to six thirty nine thirty nine or go to fix my home dot com okay and we're going to get that done.

Boise ebay thirty nine dollar thirty nine dollars seven years
"boise" Discussed on Podcast

Podcast

02:35 min | 2 years ago

"boise" Discussed on Podcast

"Boise lepetit leveled sit offic slacken speak that good time kilsu have yovany let me show that lead to or have you told us a fluke will me call who's that joe daffy your do you only sal durban's on the cement epide fiar to the sokaia poeple's debbie on another power who palley donnie measure is valley dial eva doctoral the map pyro visit a call nimick as guest your bill so look set the more time unilever that's cease over tabas votaw tabular survey are covered attack of to leave keep chamo atoll confinement come psycho commence addity that don't know surveys to fix mushroom bow totally or come sacchi salty so that's my motion maps while got person the that's the bottom usually printed hotel if you don't plant lichter you donnie like it along to toss you a key key assay on partially so badge essence liba own samaria the football midst of officer at shaw managed to do don't jason who pilot to sasha do the leave duke as yours do some people biddy garage visitor do antipathy to medium if if party komo see don't to notice you come from palo poignant sued weeks on cardoni tiger lever to a packet absolutely must plenty nick ritchie her top of the passenger tat.

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"boise" Discussed on KCBS All News

KCBS All News

02:11 min | 2 years ago

"boise" Discussed on KCBS All News

"Boise too big companies declared bankruptcy this week let's talk with cbs news senior business analyst jill schlesinger joe let's start with toys r us what happened oh poor jeffrey the draft jeffrey the draft rip this is a story of how a big private equity deal has gone sour and essentially back in two thousand five toys r us was purchased by a group of investors big money investors and the way that deal was financed was through borrowed money and for all these years toys r us has had to struggle on the under the weight of five billion dollars in debt and they were doing so in a period of time when the industry was changing enormously so we had online competition from places like amazon and walmart and target and we also saw shifting tastes among kids who were really gone for technology more than physical stores so essentially what has happened is that this company which filed for chapter eleven bankruptcy back in september basically threw in a towel they said they're going to have to liquidate now and that's going to amount to nearly thirty three thousand people losing their jobs in the us what about all of these empty stores left behind what fills the void you imagine a successor company coming in and rescuing the sector of the toy industry or does that just go away forever well right now it appears that toys r us is actually trying to handpick two hundred of its high performing stores and marry that with their canadian operation which is doing just fine and is not liquidating and trying to sell that whole thing off but you're right if they don't we're going to have the over seven hundred locations ever going to be empty this is going to add to a problem that already exists in retail we just have too much square footage for the number of people who are shopping in brick and mortar locations what will actually replace that is unknown at this time we know that mall developers have been complaining about this for.

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"boise" Discussed on RobinLynne

RobinLynne

02:37 min | 2 years ago

"boise" Discussed on RobinLynne

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"boise" Discussed on VIBES-LIVE

VIBES-LIVE

02:37 min | 2 years ago

"boise" Discussed on VIBES-LIVE

"One man made on the eib the an attempt to be brain haha ha ha pounding the rieti brad and is only journey again plays may mind i've got to gin then they answering the new about bombay man that boss is that a meridian boise this being the government love him now spy in a bomb planted v and plays fled balanian they they to this dan side the bombay the man three madam radi the luna the in mud liam payne allow now.

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"boise" Discussed on 103.5 KISS FM

103.5 KISS FM

02:52 min | 3 years ago

"boise" Discussed on 103.5 KISS FM

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"boise" Discussed on WFAN Sports Radio_FM

WFAN Sports Radio_FM

01:57 min | 3 years ago

"boise" Discussed on WFAN Sports Radio_FM

"In boise is this like boise idaho you your junior of boise oh yeah wow in new york oh you got the aca things in boise and he showed it terrible you know that people are a kaddish great but i mean the boise state games on the blue grass or whatever it is the bluefield there a g k v her eye joe you liking for huge summertime h where the field i saw a light during the with the answer now let me tell you where he doesn't know how they don't have one prow really no snow very little snow melt during his date interest and that's very interesting maybe that's where you're going to retire job you never know i i i know romo ahead of myself here but to pay up format yeah wildcard yup chicago cubs who need division you have a better reckitt did he hit home field advantage that you know that's a great world series in the world series i was trying to figure that out before the season started like do you give the edge to a team that won a division as compared to law carcass obviously in the league they don't in the league he goes right he added only delivery either right i thought i tried to get this in march and i thought that they go straight to winloss record so i think the yankees would get homefield even went out with a of division only in the world series though early somehow get confirmation about it is looking ahead but it's possible and i think like look at the arizona diamondbacks ripe they're 88 65 they've got a chance to win well over ninety games so if they played let's say they finish with a better record and the red sox did they get homefield advantage in key brought it up with the yankees to because there are teams in the national league that the yankees may finish with a better record than specifically the winner of the nl central right how many when's the cubs them now eighty foreign 67 associate basically the same record yankees.

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"boise" Discussed on 103.5 KISS FM

103.5 KISS FM

03:13 min | 3 years ago

"boise" Discussed on 103.5 KISS FM

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