35 Burst results for "College Fund"
"college fund" Discussed on Chris Hogan's Retire Inspired
"You're listening to ramsey everyday millionaires where we talk retirement building wealth and outrageous generosity. Seen is whether it's in los angeles. Hey what's up yours. hi We have in this We have saved two hundred thousand dollars for our children's education and we will be needing money seven years from now so i'm a stay at home. Mom and my husband works We want to invest some way where to secure and it can maximize and seven years so when my children want to go to undergrad and grad school We can pay for the tuition and they remained free. Wow that's amazing well done. So what's it invested in. Now they're not in that's sitting in bank and say the count. So i want to invest and see 'cause i've been listening to your show and i wanted to know if i can maximize like double or a little more than that so when my kids go to college Bacon just do the studies and they don't worry about this debt and all that man well ton. how many kids do you have. I tweet kids. A one is already in college and I t's on scholarship and the two of them are younger so they will take some time like seven years and nine years to in grad school. So that's what i was planning for them that at least They are covered. He's He's lucky that he got all that but not everyone is lucky. Wow this is amazing. Sounds like the oldest was like his mom so Yeah people who make their luck. Those kind of people So here's an interesting number. If you had invest if you invest two hundred thousand at ten percent in seven years it will about double so be worth four. If you don't if you don't anything to it'd be worth four hundred If you invest that it seven percent it'll take ten years for it to double If you and so. This is the problem now. If i have that money to invest. I'm personally comfortable with. And i recommend putting it in good growth stock mutual funds. Now that doesn't mean you're going to see some ups and some downs Along the way but the averages are well north of ten percent on the stock market's history. That's the averages. Now some years it could be down four percent other years it could be up eighteen percent and so you know the depends on the ride on how you get there. But here's the thing if it's average ten percent if it does half of what it's averaged we have one of the worst seven year periods in history and he does have for seven years because they went way up and then they went way down down down down down down than up again and it averages only five percent still five times. What you're making right now. Okay so If the stood mutual funds like you can go van god the but some of them have expense ratio of point seven. Something like that. So what is it good expense ratio. We should be looking at you. Know i spend eighty-five percent of my analysis on a mutual fund on its average rates of return and i only spend about ten percent of my analysis on the expense ratios. because the. here's the thing. If you have a fund that has a point two point oh two percent higher expense ratio but it averages three percent more you just kicked it spot right and so everybody gets caught up on what they what they expense ratios are and what the costs are and they're looking at the wrong numbers you don't want to ignore that number and overpay for expenses but You know you can get you can really miss out on a really great fun with a really great right of return. Nickel and diming on the expense ratio has so. I don't spend a lot of my personal analysis on my personal selection that way But it's obviously obvious you've done some research on this. Know something about it what we teach people to do. Sit down with the smartvestor pro. Yeah and i'm curious your thoughts on this day. At what point does she go. Let me look at an asa or five twenty nine based on my income and see how much we can sock away there for tax free growth. Gonna move as much over there as i can You can't move to one hundred and one year. Yeah there's not not. That's not available that i'm aware of anywhere on five twenty nine Lot of five twenty. Nine zero limited ten k. A year. So you can move systematically move some of it into different kids names that kind of thing and let that you know. Let's say it did double. Let's say it went from two hundred four hundred that extra two hundred completely taxable unless except to the extent. You've got it in five twenty nine or nasa or both and then of course it's going to be completely tax free on the growth so that's a really good really good point you bring up george Show yeah just go. To dave ramsey solutions com click on smartvestor and sit down with a couple of different ones and interview them. Get let them talk to you about how this is working. What's going on and so forth and that'll You know once you get the education on it. I think you'll make the exact right decision. Very well done. he's amazing. Thanks for tuning into ramsey everyday. Millionaires to check out all our podcast. Just search ramsey network on apple podcasts. Spotify or wherever you listen..
"college fund" Discussed on The Dave Ramsey Show
"And i just wanted to get your opinion on what i should do with that money whether that is putting it in a roth. Ira or saving it for a down payment and the future For a house car or are you working you in college. What are you doing yeah. i'm in college. I'm in my thirty years I'll be graduating next. May and i'm working part time with a degree in what and earth science co and hopefully i We would have changed that to a degree in geology. Very cool okay so What are you gonna do for a living when you get your degree Well i'm thinking about going into hydro geology doing working by which is why i want to target the Geology degree Right now. I'm doing an internship with the water district here in orange county So i'm getting the experience That i'll need in the future of with censorship. that's kind of what my goal is right now. Okay so when you finish all of this and you get the dream job. What does it pay. I don't know what a hydro geologists gets paid. I you have to tell me. Yeah they get paid Starting it's about eighty eighty years and then goes up to one hundred and twenty. How long is it going to be before you complete this field of study Well if i if i go to earth science on i think i'm not sell out like ninety which is one doing next year if i do that. Extra year england could be allergy would be graduating may of twenty twenty three and then i can I would have penalties bigger. Pay range In the future which would I think from what i've seen about one hundred twenty two hundred with the hydrology and i will take you an extra year. Yes kind of like doing grad work in a sense. But it's not really okay. No yeah so the twenty thousand dollars. The best investment that maria can make mathematically is in this investment called maria completing that field of study completing that degree with what you just told me you're gonna make as a result is worth the investment of dollars a lot more than a mutual fund. Or a roth. Ira ever pay you show. I want every dollar. You've got committed to you graduating and you graduating debt free as soon as possible and pursuing that line of income that you're telling me you can make every dollar. Maria is the best investment. Maria has possible because you've chosen field of study that's not left handed puppetry. You actually can do something with it and you figured out what that is and you know. You didn't hesitate when i ask you. How what the career field like. And how what. You would be paid you already know. This is not a pipe dream. You've got this studied you. You've thought this through working in it right now planned it. You're working the intern. You're doing everything right. you know. Thank you. Yeah i also. I forgot to mention Third my my expenses for school. I guess eight. So i basically everything's covered. Which is why. I don't care i don't care if you've got a hunting if you save up one hundred thousand dollars and you don't even need it go ahead and save it up and make sure you graduate the day you graduate. You get this job. We'll start investing and you can use that hundred thousand dollars to buy your first house all but right now right now. That money is laying there to make sure. Maria graduates and maria graduates debt free. John's got a phd in higher education. Maria so i mean you don't see this coming very often knows. This is a laser focus. But when dave says all your expenses are taken care of here's what that means like most college students will say Tuition room and board. David also means your engine's gonna fall out of your car. He means you're gonna someone's going to iraq through your back windshield or you're going to need some more. Whatever the thing is so get to the finish line owing nobody anything that makes sense. Yeah it does. It does make sense. That's job one job to get to the finish line with fifty thousand bucks in the bank all pink and some great connections and no one and no investments made yet. But you're twenty three years old at that point making six figures and you're going to be very wealthy. 'cause you are laser focused chick. I mean your mazing so proud of you very well if we could train america to do that. Say my self as like i don't know man. Let's think about it bro. I mean the number of people getting a degree in beer. Pong is scary all right. Helen is with us in fayetteville. Hey helen what's up dave. Thank you for taking my call. Sure how can we help. So my husband. And i are on baby steps four five and six and we would really like to get our house paid off in the next eighteen to twenty four months. But i'm wondering if it makes sense for us to back off our retirement Investing a little bit to free up some money to throw at the mortgage and just to give you a fuller picture of balance on your mortgage two hundred and fifty thousand so much you're going to back off and how quick what's it going to change the number. Yeah so We currently have about four hundred and twenty five thousand enrich. He's fifty on forty nine one. What i ask how much you're going to back off and how fast it's gonna pay off the mortgage because it's not going gonna do what you think it's gonna do well so we're currently only setting aside about ten percents we're maxing out the loss. 401k and i'm self-employed roth ira and then we're we've got some cash that aside beyond our six month emergency fund and we're kind of in that position of like can we start throwing this at the mortgage now. We need to be outside investment outside one more time. Would you tell me your household income is about four hundred thousand. Didn't tell me okay. All right so if you make four hundred thousand and you don't wanna put in percent you only wanna put in ten percent. How much cash if you set aside Let's see above are six months About fifty thousand dollars. Okay so percents that. Yeah so if you do that. That's going pay. It's eighty thousand dollars a year.
"college fund" Discussed on The Dave Ramsey Show
"Sure how can we help I have a four p p program for both of my children And my son doesn't think he's going to go to college. It's not the five twenty nine. I have a large irs debt. I'm kind to and I was thinking of taking the money from the florida. Prepaid plan to put it towards the irs. That and then when my daughter is ready for college i could just cast over. How much is in the prepaid plan. Twenty three thousand and how much is the. Irs debt fifty five. What is the irs debt from. Its from three years I'm embarrassed to say my daughter was sick and i was in the middle of a divorce and I i was hunky on the table and they had filed for a few okay so it's just back taxes backpack who's involved at all and you must i had since filed coming your. You must be ten ninety nine or self employed as health employees. Jeff okay. so what do you make Well this year with the pandemic it'll probably make about fifty five. Maybe sixty original payment plan No i actually applied for a An offering compromise. But i haven't heard them to be denied You have to. You have to be able to show pauper status absolutely no income. No assets to get an see through. That's one of the great mythologies. How much did you pay for. The so i she application. I'll put it down six thousand dollars. So man yeah. I don't get more money. Yeah that's a. There's just very. I've been doing this thirty years. I've seen two of those go through to and And in both cases we were working with a tax attorney and you prove that they have no assets at all and no income and really no potential of income and so they really believe that you're virtually financially dead and you're not you make fifty thousand dollars a year so they're gonna put you on nine hundred year payment plan hot. I don't cash out kids College funds for debts. But the kgb around your neck the irs after he is not going away so yeah. I'm doing this But before warns that what goes with it the tears that you had a minute ago with the shame of not having filed because of all the stress and the horrible things you were going through You're probably going to have more of that feeling because you just use your kid's college fund to clean up the mess are part of the mess. And so that's why i almost never tell someone to use a college on Even though it might make mathematical sense is because you feel like a dog gives you your kids money that you set aside for them and i just want to warn you ahead of time. You're going to have that feeling but it is still the logical thing to do. It's the right thing to do here. it is the best thing for your kids for their mom to get straightened up and get this. Get this data out of her life because the irs has tremendously expensive penalties interest and almost unlimited power. To screw up your life. You want to get them out of your life. Believe me it's i. It's the only kind of debt that terrifies me for for our clients terrifies me. Because that's what the kgb does to people and when they decided they want to get rough and so. I just don't want you on that thing. And i want you to get with One of our taxi. lp's And get an installment plan working as soon as you hear that the oc went sideways. And certainly don't see you listed on the this college money exists right now because there is technically natasha value. And i didn't even think about it in after i submitted it. Oh there's technically cash value when you cash it out. You're getting cash. Yeah yeah yeah. I saw that on the application they would have grabbed it. they would have said no. You're not you're gonna give us that money. So if i'm wrong i'll be happy for you. And the oc comes through and they say you know we'll settle this fifty thousand dollar debt for twenty three thousand cash it out and do it. But then you've got to really get in gear and you gotta start working with your son and your daughter on how they're going to get their education paid for they're going to get really good at taking tests are really good at working their butts off while they're in school. You know. pick an affordable school not an expensive famous school in state maybe Two year program to get Some of the basics out of the way really cheap all of those kinds of things. Yeah that's exactly right. And i'm going to recommend you be real vulnerable. Sit down and the kitchen table and your kids Through what's happened what we're gonna do about it without blaming dad. We're not gonna blame anybody. You're going to take ownership for this. This is a level vulnerability that they're going to feel the tension on you. Kids do davis. They absorb that tension blame themselves. 'specially young kids and especially teenagers so this is a great moment for an adult to model. Hey guys here's what i did. The table wasn't right. Here's what i'm doing to clean it up. Here's what we're all going to do together. We're all gonna start budgeting we're all gonna need into. This stuff is going to be uncomfortable. Gosh there's going to be some value to your kids. See the tears and seeing the plan and watching you live out of this thing and there is a way to make meaning on the back into this thing. Here's will have value is not a conversation that you portray the end of the world. No it's a conversation that goes A screwed up. And here's what i'm doing And there's a redemption. There's we're gonna make meeting of this and things are gonna change around here and we're all going to do this at the table together. Good news is things are gonna change the bad news. Yeah that's right and so the vulnerability is going to be hard. The tears is going to be real and the the walking out of this is going to be call for twenty five thousand dollars right this thing off and the pandemic or otherwise you get your income up and you gotta get this thing. Knocked out fast as fast as you possibly can hang on. I'm going to send you a copy of Anthony o'neill's book debt free degree And that'll help the kiddos start to think that way and you start to think that way because you're going to be cash flowing this a. b. They are to be playing along. See we got twenty five thousand dollars more to clean up with the irs. If i'm wrong. And i wish i was but i'm not hang on zakho pick up and take care.
"college fund" Discussed on The Dave Ramsey Show
"Enjoyed personal finance and learning about it and in college is even help geo make budget some just basic stuff like that and i got so excited about it. I know i wanted to help people with their money And i graduated may twenty twenty. Got a job at a bank because they thought you know. That's a great place to help with their money And that's right around. This time. I started to listen to your show consistently and really do the baby steps for herself. Good evening how many yeah. Yeah i've seen. How many lives you plan has changed. Dramatically and i feel like The stories that on your show are from people who would walk into the bank. And i would feel pressure. You know from a boss from corporate to sell credit cards and sell home equity lines of credit. I feel like. I'm in this position where i'm putting people In a position to you know come to your show and you know what. I mean like I just feel like i'm pushing. I you know my job is to push in more debt. And i'm just wondering where you know in the financial world go Where this isn't the you know tool of making money for companies as well. I mean if you work in a pizza place you're gonna be shown pizza. That's the way it works. So i mean that's And if your health food nut that probably is not going to be knocking. Yeah so that that's kind of where you find yourself a lot of people with your it. grow gravitate towards the the investment advisory side of the business. Like our smartvestor pros where you work. For a local organization that is a member of a broker dealer. And you help people get investments going. And most of those people do not pedal that most of them pedal investments And they had some of them go extend beyond that into some basic financial. Planning like they'll hook you up to help you get a will or they'll hook you up in that world. They do now are are smarter than your pros. Generally just do investing but the ones that we endorse but You know some of them get into that some of them get into a little bit of but you'll have the opportunity. Let's say you had a A client that had an investment portfolio That was Sixty years old but he had a thirty year old daughter who was struggling and brought her to you. And you could you know help. Teach her about budgeting in the process so we did to do a lot of that kind of thing in the crossfire like that. The only place in the banking world where you're able to where you're not forced with a quota a boss breathing down your neck to sell debt like you have experienced is small town. Local banks community banks aren't as aggressive in the debt. Marketing and and credit unions That's why i endorse both both of those and not the larger megabanks because the megabanks are pretty. Well they're just pretty well debt. Peddlers is what they do. They just if they figure. If you're breathing you need a bunch of their debt. And i don't know which one you're working out didn't ask but the larger ones are much more. Solis in their approach and You know. I've got friends in the community. Banking business Obviously i don't believe in borrow money on. Teach people borrow money but they're much more responsible with their interaction. There's a moral component for them with their interaction with their customer versus these megabanks shovel as much down. Somebody's throat as they can get in there and you know you're going to lose your job if you don't sell a certain amount of credit cards car loans and home equity loans in here position and i'll tell you right. The thirty thousand foot view of your question is you can't work very long in a job. That violates a core value of yours whether that's treating people disrespectfully. Whether that's like. Dave said peddling food that you think is not healthy selling debt. At some point you'll begin to fracture from the inside out. Yeah i mean. Let's just completely changed the metaphor. Let's pretend that you That alcoholism killed your father. And you don't believe in drinking and drinking scares your and you make a horrible bartender you know. And that's that's what john is talking about it is. You don't need to quit today. We're not suggesting you run in there with your hair on fire and make some political statement. We're not trying to create an make you into an activist okay. But the long term. What is good for. You is to find something. And that's why that's what that's the issue got. That's what you're scratching is long term. You need to find something that is congruent with your belief system and your values you're not going to prosper otherwise. You're never going to be a really great banker at that bank. That's exactly right and you never gonna be able to sleep either. You know the boston gonna be happy. The customers aren't going to be happy. You're not gonna be happy. Nobody's happy you're not selling enough that the customers are getting dead. They're not happy you're selling debt. You don't want sell that you're not happy. Nobody's happy here. You know and so you know you're just you head on your pillow dude and so what i would do. Is i develop a you know like an eighteen month. Runway or twelve month runway. This says all right. I've gotta start doing some a king coleman's materials on hunting for a career thinking about a career. I'm going to investigate. For instance the financial advisory world. What's it take to get into that. What am i gotta do. Licensing and i gotta get. What am i going to get hired in that world and begin to move in that direction but I you know i. I would not ask a pizza place to not sell pizza and i'm not gonna ask bank to not sell debt. I am ask all of you to not buy it from them so that you're not harmed but i'm not going to expect an alligator to quit biting what alligators do in. This is a common situation. He says just graduated started this job that he wanted to help people. You have a vision in this money and banks got money so i'll go over there. That's right man who happens to graduates all over the place right and they get in get behind the curtain sausages made see. We're actually doing here. And they have a crisis of value right crisis of conscience. I appreciate your ryan. You've got to go. You're a man of integrity love and you weren't. You weren't being a drama queen about it. You weren't being crazy about it but you just going. She's feels weird. And i don't think it's gonna work. You're right it's not. It's not gonna work and they're not going to change. How.
Vernon Jordan Shares Experiential Nuggets on Business, Civil Rights
"Vernon jordan. Junior has been called the rosa parks of american business born on august fifteenth nineteen thirty five in atlanta georgia. Jordan is a civil rights. Icon business consultant influential. Powerbroker jordan is a graduate of depaul university way earned a political science degree in nineteen fifty seven and howard university. School of law. Never want to sit on the sideline and nineteen fifty one. He helped desegregate colleges and universities in georgia from one thousand nine hundred sixty one to nineteen sixty three. He was the field secretary. For the national association. For the advancement of colored people in georgia and nineteen seventy jordan became executive director of the united negro college fund and nineteen seventy-one. He became president of the national urban league. He held that position for ten years on may twenty ninth. Jordan was shot and seriously wounded outside. The hotel in fort wayne indiana. This incident became the first story covered by cnn. And as we all know by now join me. Came close confidant and political advisor to president. Bill clinton this past spring. Jordan was a keynote speaker at the summit on race in america held at the lbj presidential library on the campus of the university of texas at austin. The following is an expert of that reason. Tation now let me explain to situation. You are in with me this morning. And i can only explain it by telling you a true story. I'm a member of the african methodist episcopal. Church all my life. And that was this young pastor who just graduated from seminar and the bishop assigned him to a church and a small town in georgia to begin his pastoral ministry
In wake of Vernon Jordan's death, tributes from Georgia pour in for civil rights activist from Atlanta
"Morning. Stacey abrams tweeted this about vernon jordan. Who died last night morning. The passage of my friend the extraordinary for jordan he battled the demons of voter suppression on racial degradation winning more than he lost he brought others with him and left a map so so moore could find their way love to his family. Travel on with. God's grace burley ever is the widow of the assassinated civil rights leader. Medgar evers said today. Our nation has lost a hero vernon jordan the civil rights warrior presidential adviser former. Ceo of the united negro college fund former director of the national urban league was a close personal friend of my husband medgar of mine and of my children he medgar road through the back roads of mississippi investigating some of the most horrific violence against black mississippians when medgar was assassinated vernon came to offer comfort and support for our family
Vernon Jordan, Civil-Rights Leader, Dies at 85
"Businessman, a civil rights leader and an adviser to then President Bill Clinton. Vernon Jordan has died at the age of 85. Jordan grew up in an Atlanta housing projects before his family bought a home, got his LA degree from Howard University and worked for civil rights attorney. One of this case is integrated the University of Georgia. He worked for the C P and United Negro College Fund and was head of the National Urban League in 1971. Jordan never held a government job, but no one knew better. How Washington D. C works. Jordan was a friend and adviser performer. President Clinton. Allison Keyes. CBS NEWS Washington
"college fund" Discussed on WTOP
"To Baker represents Briana Taylor's mother to Mika Palmer. Miss Palmer feels like this is a step in the right direction for justice for Briana, Of course, in an ideal world, all of the officers will be charged. At this point on all of the officers, including Sergeant Mattingly would be terminated. Taylor was an emergency medical worker who had settled in for the night when police busted through her door. Officers were serving a narcotics warrant. No drugs or cash were found in her home. Historically black colleges and universities saw record increases and applications and enrollment over the past three years, HBC use produced 80% of the nation's black judges and 50% of black doctors. But yet students still face significant struggles with personal finances. The black community is one of the poorest communities in America. The CEO of the United Negro College Fund, Michael Lomax says large donations have been key to sustaining the university's 2020 brought some of the largest single donations to HBC use. McKenzie Scott, who's the ex wife of Jeff Bezos, and Netflix CEO Reed Hastings, have both donated millions of dollars this year. Joe Lewis Clark, the school principal who inspired the 1989 film, Lean on Me, has died at the age of 82. Clark gained attention for his unorthodox methods when he took charge of crime and drug ridden East Side High School in Paterson, New Jersey, Morgan Freeman start as Clark in the movie. He's sorry Hae was.
The Bubble is Bursting for One Card
"If only i had started in two thousand eighteen. I'd be able to retire. I would have invested so much money into luke. Oh boy what. Four now luca. The silver prism the standard one. Those like those. Want from like two k and like february. Two eight k nine k. Now it's insane. What the hell. Hey how about this. I never knew cards. Went for this much money chris booker. The rookie was nine hundred. That silver prison nine hundred dollars all right. They traded for chris. Paul within two days they were selling for thirteen and fourteen hundred dollars. Wow well. la repeat that. I got to hear that again one more time. They were nine hundred bucks. When i checked nine hundred. No devon booker. Okay sorry okay. I heard desmond being in my brain out devon booker day traded for chris paul and within a couple of days those i saw him for thirteen and fourteen hundred in auctions. I mean that's how fast it really is like stocks. Now it's crazy. Yeah i mean. Stocks stocks are usually that good stocks are good but not that good but you could see people ran out there and it became supply-and-demand people. Were like book rookies. Because these are the next ones that are gonna fly up. I mean that's my understanding. I have somebody of done. Some research and have some had some conversations in recent weeks. My understanding is that if you're in the buying and selling business with cards and is very reactionary when it comes if a guy's name to an all star game or a guy. The team trades for big name player or the team. Their team gets hurt. Or whatever it's very reactionary and it's sort of i mean sometimes it's it's unpredictable from our standpoint. That's why i would say this. If you feel like you really know basketball. This is only tip. Give out daybreak. If you are thinking about getting into this. And i'm i'm not the guy as somebody that really knows about all of this stuff to to give you tips on where to look how to start all this kind of stuff because i'm not that guy Because i do get a lot of questions about that. Because we've mentioned on the show i would say this if you're gonna go into basketball and you're gonna buy basketball and you want to bank on somebody now because you think the cards are gonna go go do it. Now before this damn season start you've got about whatever two weeks because once the season starts it's exactly what you say of the night that guy drops fifty people go on there and try to start by rookie cards. Those jamal murray things went through the frigging roof at one thing. I think it's also important to have a frugal mindset when it comes to your finances earth when it comes to investing when it comes to investing in stocks or bitcoin are or even cards. I think it's important that you have enough of like disposable income like not like not like you don't need a ton necessarily like you do things that you enjoy and things that make you happy maybe start buying video games or whatever else it might be but you know you gotta have a cushion to support you in case things get real like jobs get lost especially right now during a pandemic investing a lot of money into something can be incredibly risky. Especially if it's all and one you know basket all in one player all in one stock or whatever you need to have a cushion to support yourself especially if you're somebody who you know is on the younger side and may not be living with your parents or whatever. I just think that's important to mention and what stocks as well you know sometimes being conservative and having stuff that builds long-term and grow don't for for i'm trust me i am. I am very much in the middle. But i think it's lawrence to offer conservative Advice for a lot of people who may not have A conservative mindset. But i'm by fall. I find myself in the middle. Quite often doesn't mean. I don't take good risks. So do you think it was unwise for me to use my tire children's college fund. The john mara was you find that on. Wise should have put it into luca. There's a lot of when you when you look at. What for josh cheaper when you look at what Steph currys and the lebrons worth now. There's luka doncic have a giraffe named after him chamrann. Jau wrath do
"college fund" Discussed on Newsradio 600 KOGO
"Looks like we are clear and 53 degrees Kogo news time is 5 41. Well, we're seeing it here in San Diego across the country, really a surgeon covered 19 cases. They reported 833 in the county yesterday, no additional desk and that's the six day in a row that more than 600 new cases were reported. We're starting to see the medical system stressed by the number of cases, all right, Joining us on the Koga News, Live line, Best selling author Emmy winner Dr Ian Smith. Good morning, doctor. Good morning, guys. Thanks for having me. Absolutely So, you know, let's just ask how stressed our doctors and nurses dealing with this right now. I tell you, it is extremely stressful, and we don't focus enough on the front line workers who have to keep all of his healthy and protect us all there working overtime. Not enough, PPE. Still not enough testing Still, And now we're seeing even in rural America, where 60 million Americans lived. By the way, they're being completely overwhelmed because they don't have the hospital or health care infrastructure. To be able to handle the influx of cases and don't have the proper staffing. So this is a problem for all of us, and it's something that we're all gonna have to work together on to get through it all. You know it's interesting because I remember it the kind of kind of the beginning of the pandemic. Many doctors and nurses were laid off who were working in other areas, Other specialties because of the covert patients. Where are they now? I mean, are they? Are they back working or they having to work with covert patients? What's going on with them? You better believe it. Hospitals are recruiting doctors from all across the country. There is a huge shortage. Actually having doctors come out of retirement to come help because they simply don't have the manpower. So even doctors who are not infectious disease or ICU specialists. Even other doctors from other specialties are helping out. It's really all hands on deck, which shows you the resilience, resiliency of medical professionals and our health care workers on doll so why we should support them? Listen, What's awesome is music next actually started. His ally of doctors campaign, which is actually rallying the country around on frontline workers and letting them know Hey, guys, we love you. We support you were a priest of all the work that you do. We're actually looking at donating $20 for every review that left on HealthGrades dot com to give the United Negro College Fund to help, actually, you know at foster and empower the new generation of Frontline workers up to $20,000 gonna give The end of 2020. So we want doctors and health care professionals and know that we're here for you. We love you and you're well appreciated. You know, it's interesting. I read an article yesterday saying, and I don't remember where it was. But it was a nurse who was saying that she's becoming overwhelmed, And she's also becoming overwhelmed because she is still seeing people come in. Were dying of Cove ID who don't actually believe Cove it exists. On, but that has got to also play kind of a mental game with people. Oh, it's so tough. You know, my TV show the doctors. We talk a lot toe Frontline work through that. Just talk to someone yesterday about the same example. She was in Kansas. One lady was in Kansas. One doctor was in Colorado. And we talked about this. We talked about people not believing that it's real people not wearing their masks. People not, you know, taking the safety guidelines seriously. It's stressful because The job of a doctor is to treat you and help you. No matter who you are, What walk of life you come from, no matter what your political ideology is, And so you got to realize something. Patients who aren't following protocols are putting health care professionals and their families at risk. Also It's a very difficult situation, but doctors are resilient and doctors are doing what they took their oath to do. All right, doctor, where can people find more information about this ally of doctors campaign? Yeah. You know, please go.
New Trump rule ties college funding to speech, faith rights
"A new rule from the trump administration ties college funding to free speech and faith writes the trump administration is moving forward with a policy that expands religious protections on college campuses and threatens to cut federal education funding to schools that violate free speech rules as part of the policy the education department can't suspend or terminate grants to public universities found in court to have violated the first amendment universities could also lose funding if they fail to provide religious student groups the same rights and benefits as other campus groups the policy was welcomed by religious groups that say colleges too often discriminate against students based on their faith many universities say the penalties are too severe I Walter Ratliff
The Antidote to Burnout With Leah Weiss
"At a time when work has become more challenging than ever we're GonNa Explore One myth and one revelation the myth. which many of us myself included have consciously or subconsciously incorporated into our lives is that we need to grind ourselves into dust through fo- quote unquote productivity in order to achieve professional success. The revelation is that the more effective and cleaner burning fuel here is the potentially sappy notion of finding your purpose. My guest is Leah Weiss who has impressive bona fide as on both the professional and contemporary of fronts of the professional tip. She teaches compassionate leadership at Stanford Graduate School of business, and she wrote a book called how we work on the contemporary of Front. She's done for one hundred day retreats and one six month retreat all in the betton tradition. I. Believe this conversation was recorded pre pandemic, but it is deeply relevant nonetheless toward the end of the conversation, you're going to hear her drop an expression that has been rattling around in my head for months. So here we go with Leo's. Nice to meet you. It's lovely to meet you read your book on my bed Stanford while I've been reading through it. Lots of good stuff in there. Thanks so much. I've been exciting your book for years but really students always say it's a favorite because it's so much more relatable than most presentations of mindfulness. My child's College Fund. Thanks you. So, how did you get interested in I understand it started when you were fifteen or something like that yeah. I grew up not far from here in Jersey and the school that I attended. We had this amazing English teacher who taught meditation as part of his jam at this pre school. So my older siblings had done it, and then when I got to the point in high school where I could learn to I jumped right in and it really just landed it was it was really on point with challenges of having at the time like. So the high school I went to was very kind of. Call it. Somewhat conservative traditional would probably be term. It would prefer there was a young Republicans club that had the vast majority of of my class in I was like a very. I pushed back on a lot of roles I was in detention the day I. got into Stanford for example for like protesting some kind of policies. It's a school that sense spin in the news for consistently not delving into abuse that was going on there. So I was really struggling then environment making sense of things and being much more kind of. Politically progressive and just feeling weird you know as adolescent to so. When I first learned meditation and I started reading specifically Tibetan Buddhism. He had assigned a book in a course I was taking with him called literature of the enlightenment, and it just really landed the section about how we sanitize illness and death in this culture and just the struggle to find meaning when you're. An adolescent, all kind of fit together and got me really interested in just damn. Diving in the meditation it sounds to me just from looking at your book that you didn't actually start doing it in earnest until you're twenty is meditation that is I was very inconsistent in high school like I'd have periods of time where do it when I was in one of his classes or go week and then not do it for a while detentions Gupta. Meditate it was it created some good open real estate in my schedule ahead it frequently. So it would have been a good opportunity if I used it consistently that way. We're kind of impacted. It have in your twenties when you started doing it in earnest and what flavor were you doing so I had initially been exposed to baton Buddhism and that was when a sought out my first retreat in my twenty s that was specifically what I saw it out. Semi early practice wasn't as much sitting and doing breath focus as. Very early on learning about the Tibetan preliminary practices, which include hundred thousand prostration prosecutions and a lot of visualizations a lot of chanting not the content of what I teach now at the business school clearly. But for me those practices really fit and you actually there were the preliminary practices that you get before you get the kind of more nature of mind meditation instructions and that tradition. So by the time I got those I was really All in and? Excited for ready for that and then practice a
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
"college fund" Discussed on SchoolOwnerTalk.com with Allie Alberigo and Duane Brumitt
"Could away over the course ten years you could have all the money for your daughter's College Fund, Your Son's College Fund where some of it you know what I mean. We forget you know when we're doing well. I mean dude. I've been there I making so much money when I had all my schools who didn't want the pressure anymore. So I kind of feel that but I mean was like, yeah. Well, sort of the five star hotel versus the four star Jones. Yes. Only another thousand bucks because money is there but I look back saying maybe I could save all that money. You know that would have been great. You know saving. So be careful what your expensive careful in how you how you live your lifestyle you know what you're buying what you're spending money on and it's Very important that especially now going into the fall where we're starting to ramp up or if you are open and you're slowly building and then the fall may and we may not have. The fall that we hope for with the P Bruins sooners, you'll still be able to survive and stay in business that's in court. Yeah and you know with regards to something that's a cost if you can. prior to it being tossed if you can work out a way that it actually makes you money. Right by spending money on it. You know then then you WanNa do that you know I I never did it I I intended to do it but I didn't do it. We have TV's here and I use a service called screen cloud and each TV constantly twenty bucks so that I can you know run different things on there almost like a powerpoint slide if you right but there's a bunch of different stuff because they're hooks up to marry. Social Media, platforms, it hooks up to different Ju just a bunch of different stuff than than just a a powerpoint. And of course when this will happen nearly shut that service because nobody's GonNa be here. anyways. But all that to say when I, originally did it I'm like, okay that's forty bucks a month. I need to go out and I need to get some companies that will advertise on that screen right? Cover forty bucks a month. So that screen is not rising me any money, right? So I, get a benefit you know and I never did it like I never went out and did it but I can assure you, I'm turning that I'm GonNa turn that sucker back on until I have..
Netflix CEO to donate $120M to Black education
"Netflix CEO making a huge donation to black education in the wake of the black lives matter protest CEO reed Hastings and his wife pledging one hundred twenty million dollars to the United Negro college fund into historically black colleges Spelman college and Morehouse College both based in Atlanta Hastings said the donation is the best gift we've ever
Netflix CEO Reed Hastings Donates $120 Million To HBCUs
"Netflix CEO making a huge donation to black education in the wake of the black lives matter protest CEO reed Hastings and his wife pledging one hundred twenty million dollars to the United Negro college fund into historically black colleges Spelman college and Morehouse College both based in Atlanta Hastings said the donation is the best gift we've ever
Dayton's Road to Pandemic Recovery
"We've been taking a look around the country at how different cities or dealing with the fallout from the pandemic. Today we head to Dayton Ohio unlike other places Dayton hasn't been a hot spot for the coronavirus and the death toll has been low but the pandemic is just the latest in a series of struggles. The city has faced in the past year our reporter Doug Belkin visited the city recently and joins me now Doug Dayton Ohio has been through a lot in recent years even before the pandemic from natural disasters to rising numbers of deaths the OPIOID crisis. Can you tell us a little? Bit more about the position Dayton was in before the pandemic it. It's a fascinating town. It really punched above. Its weight for a long time. Many years ago it was a home of a lot of innovation. The Wright brothers came from there there are a lot of major manufacturing companies and engineering companies that really employed thousands of people and built a Beautiful City in the early twentieth century. The housing stock is really lovely. But it fell on hard times. A lot of those companies moved south to chase cheaper labor and the revenue into the city declined significantly and then they had really hard shock. The financial crisis in two thousand and seven and eight pulled a lot of jobs out that didn't return and then the opiate crisis that was really ground zero. It's a lot of highways going in and out of Dayton and it made it a kind of a pitstop for these drugs and they were just hundreds and over the years. Thousands of people who overdosed from opioids. So they were very hard and then last summer they had a string of horrible tragedies. They had a tornado that wiped out part of the town and killed people they had A mass shooting in downtown shopping district that killed nine people and injured another twenty people and they had a Klu Klux Klan rally Which really hard for the people there so last year was very difficult moment for them and all of that brings us up now to the pandemic and Ohio responded to the coronavirus pandemic with one of the nation's strictest lockdowns how has the corona virus now impacted Dayton and our elected officials grappling with it so the virus itself has not taken deep root there the shutdown or have been very effective or at least the pandemic did not make huge inroads. There's been about fifteen people who've died in Dayton of a city of one hundred forty thousand six hundred confirmed cases so the sickness has been. You know it's the specter has there but the fear was a major problem in the shutdown and the economic implications of the shutdown have been dramatic. And what we wrote about in the story was a lot of of what that's done to the economy to the people in the town to the churches in the town and even to the revenue of the city. And how they're gonNA deal with it and how they're sort of handcuffed because they will have less revenue to keep their social safety net strong so we spoke to the mayor of the City Nan. Whaley WHO's trying to lead the community through this and this is what she had to say. And when since we all become mayors because you can see directly the impact you make you get to make decisions and you have this control but the more you do it the more you realize the less control you really have. So what she's talking about here is the fact that these these tragedies that happened last summer in the pandemic it's going on now are all national and international issues. The handgun issue is a national problem. The racism issue that the KKK was part of is obviously a national issue tornadoes. That came through As part of the change in climate and this pandemic as part of a global problem and one thing that they all have in common that the mayor belief is that the federal response has not been robust enough to help cities and towns and they are ending up dealing with these problems by themselves with much smaller resources than the federal government. Has IT Doug? You also spoke to members of the Dayton community. What did you hear from them about how they're coping right now? So a lot of folks were really knocked back on their heels by the shutdown A lot of business owners you know. Obviously they shut down their businesses and they were concerned that they wouldn't be able to restart them and a lot of folks were laid off from their jobs. I spoke to one woman named bridget. Hadn't who has had to dig into her children's college savings account to get by these last few months. And here's bridget. I think this is going to Their their futures. They're gonNA come out of this with a lot of debt Things that they shouldn't have to endure at their ages. I planned for this. I planned in plan for this so that they wouldn't have to do this and now I'm giving into their college funds just to be able to survive day to day and we know that the people around the country are digging into their children's college savings account to get through these periods of unemployment. This is a national issue. And it's it's playing out in Dayton along with everyone else and a big question that all of us are grappling with now is what happens next when the pandemic is over and and what does our new normal look like. Here's mayor naturally again in what she had to say about that. I do think during the tragedies of Dayton last year I did feel the region really come together to support the city. The city center which was very special. I worry that that could go away. Because of the WACO vid puts people in their corner really fast both politically and like literally in the corner. You know in their home. Dave chapelle lives in that area. The wonderful comedian and he gave a show after the the mass shooting to help bring the community together and to heal the community and one thing that the mayor said was that that's not possible now. People can't gather here show so she asked. How do you heal a community? That's gone
"college fund" Discussed on Native America Calling
"Have shared with him in some of the people too. I'm looking at this and it's interesting because they're people that we have come across In just understanding different things that Indigenous people there in Hawaii are facing. And so when you bring in so many people To help you see your vision or be that backing voice or be that leaning voice To find your own potential. I think that's really important. And it goes into just this community that we continue to be woven into or are part of or are you giving up on our time and efforts to make it stronger in so maybe that's how you come to. The Circle of music is understanding. That music is a part of community. In of course building a stronger. One anything you want to share with us the full hour you can talk to her directly by calling in one eight hundred nine six. Two four eight is a number and we are sharing copies of her album. Kooky Amona together. We rise plenty left. Dial in now support by the American Indian College Fund who had been providing scholarships and other support to native students of every age for over thirty years scholarship. Applications for the upcoming school year are being accepted through may thirty first at College Fund Dot. Org That's College Fund Dot Org or by phone at eight hundred seven six six F. U. N. D. application deadline is may thirty first. I'm Tara would and today. We are connecting you to local on the Big Island of Hawaii. We have Havana Rio. Who was there today? And she's originally from Waimea and we are hearing about her new album. Kooky Amona together we rise and if you WANNA talk to her or just has some thoughts on the music. You're hearing give us a ring right now. One eight nine nine six two eight four eight is the number in the I tend to make it on here will receive a complimentary copy of the album courtesy of Havini but to do that. All you gotTa do is Make some comments on air or you can ask questions to. Let's go in here. From one of our Callers Melvin. Who is in santee? Nebraska tuned in on Casey. Why K Melvin? Thanks for giving us a ring. Go ahead you're connected to have any yes Let's say to your music instrument in the background those traditional Hawaiian instrument. Now Really Your Music Mellon. Thanks for asking any go ahead. Osama the instruments are traditional. We have some of the popular which the drums. And so you'll fair deep drum in there and then we have equally which is a part of our now traditional Hawaiian music. It's Har- they the question as all of that is mixed in in Albany understanding you can bring tradition into contemporary. Sounds what are you? What is your thought process when you were building some of these songs knowing you're welcoming in something that is sacred and very connected to generations for me. You know anything that we do now is going to reflect the time and so you know we've our language and leaving the moments and experiences that we are living now with the sound of our ancestors in our land to me that is like one of the the most beautiful and one of the most sacred way of telling your ancestors pay still here and we're still creating and we're creating to the sound of now and bringing in all that you've taught us into this time and so you know years from now when the I hope when you know a move on a child. Here's this music. They'll hear me of the sound of the time but it was created and and because all of our music will evolve. Time and Hawaiian people spoke innovative..
Doctors Encourage More Women To Regularly Perform Breast Self-Exams To See If They Need Implants
"It's a simple procedure. You can do yourself. It only takes a few minutes each month than it could change your life. That's why doctors today are encouraging more women to regularly perform breast self exams to see if they need implants. Opr Health correspondent Jenner. Resnick joins us now with the story. Hello Jenna Hi Leslie. Tell us a little about these guidelines. What signed should a woman be looking for when performing a breast exam? What's really important is that you're looking to see that. Both breasts are normal. That there aren't any problems. They should be large and perky no sags no droops Dr. Christopher kinds of the American society of Plastic Surgeons explains more a breast self exam. The procedure a woman can perform quickly and easily at home simply. Use Your fingers to feel all around each individual breasts while asking herself. Could this be better. You can even use your own sharpy to mark yourself up valuable information. It really is needing a job. As an astonishingly common affliction. According to statistics published in Cosmopolitan one in eight women will need breast implants in her life. And how often do women need to be doing these exams once a month at least Leslie? Dr Kinds also recommends performing the exam in front of the Bathroom Mirror because even if your breasts seemed fine to the touch you might change your mind once. You take a look if you discover any areas. That aren't as good as they could be. Call your cosmetic surgeon and schedule an appointment for an augmentation immediately. Coaching these things earliest crucial. Yes a lot of women think that they don't need to be checking their breasts to see if they need implants until their forties but all adult women should be regularly. Doing this teen girls too should get into the habit of monitoring their bodies to see if they need to be changed. Mary Tisdale is just one woman who began observing her breasts regularly and she's grateful she did. I had the opportunity to speak with her and her husband. Eric take a listen. I still remember how shocked I was. Hand scared because you never think it's going to happen to you. We flew out to California to see a top specialist and get it taken care of. I got a lift implants. I didn't want to spend the money at first. I was worried. Insurance wouldn't cover it but I insisted she get the best and biggest implants out there. We spent the Kid's College Fund and nearly went broke but we didn't want them to grow up not knowing a mother's incredible rack. Oh honey I love you love you too. That's powerful stuff. What else should women? No women should remember that. It's even more important to stay vigilant if they have a history of implants in their family if your mother or grandmother had faked heads. Chances are you will to and don't forget that problem areas can spread get implants now. And maybe you'll save yourself from a Brazilian butt lift left later. Thanks Jenna. Has You know this issue is very personal to me. I still remember when my wife found out she needed implants but we were too late
"college fund" Discussed on The Minimalists Podcast
"The key here is finding a place to invest your money and realize that you can't time the market we're in a time right now where it's panic. Season and people were pulling their money out of market. You cannot time the market. Oh you were not a day trader. So don't buy individual stocks. Don't buy commodities like like bitcoin precious metals or whatever else these are investments some people who make it their fulltime job today trade. They can figure this out. You don't have to worry about that personally. I put money in vanguard mutual funds. You can go to place. Betterment not a sponsor but they they will help you out with vanguard guard directly and you can do that. Or if you're you're a place of employment Whether either church or working out or the schools you're teaching now if either one of them offer 401K K. Invest in that because a lot of these 401k's match and that's a great place to put your money the 401k or Roth IRA if you're making If you make a lot of money then a roth. Ira IS IS POST TAX. But YOU'RE NOT GONNA YOU'RE NOT GONNA get double dipped on. I can imagine how Holly Right now. Listening to this. How stressful might be for her thinking about investing any money because maybe she has a lot of debt. But that's why you gotTa follow these steps one at a time because holly when you like once you get that a emergency on the thousand dollars once you pay all your debts once you get your your six months saved up will now. It's a hell of a lot easier. Search don't earn to to start a vesting. Yeah Investing fifteen percent of your of your income. When you don't have to worry about those other things I heard I heard a preacher went. Say He said God doesn't bless you when you obey. He blesses you while you obey what he meant by. That is the rewards of a good life are not something that you have to wait for at the point when you've lived it the rewards of a good life began once you get into the rhythm of the process itself the rhythm itself. It's what's rewarding because that rhythm creates other opportunities and it begins to feed on itself so just get in the rhythm of doing the right things and don't have the mindset of like I can't experienced the benefits of this until I am completely done Yemen true so one more day I'll limit this to like oh man Going back to a comment one of the objections somebody expressed to you. You may not need a budget in order to know how you are but you do need a budget in order to know how you're underestimating the hidden sources of wealth in your life. Yeah sweet that podcast. Show our baby step. Five is an save for your children's College Fund so I think that's like a five thirty nine account..
Infinite Empathy - Shane Ray Martin
"Today's tip comes from Shane. Ray Martin Shane. Self Introducing An. I couldn't begin to articulate his passion for Orange Chicken. The way he does so I'll let him take it from here. What words would you say to someone? If it was the last words they'd ever hear my name. Is Shane Ray Martin? I'm a sales professional a suicide hotline volunteer and be biggest fan of Panda Express. Orange Chicken I love some Orange Chicken and I love a good sales tip. My sales for today is called infinite empathy. We will maximize our sales outcomes when we practice. Infant empathy impotent simply means forever empathy means complete and total understanding. Now stay with me. The principal. Infant empathy has helped me help others who are suicidal in on balcony. Ledges ready to jump take steps backward in order to take steps forward into the life that they always wanted similarly you as a sales professional in me as a sales professional we help our clients take steps back to see their whole situation in steps forward in action. Hopefully the action is purchasing your products. So how do you do this? How do you practice impotent empathy? There's three things you can consider trying one. Let go judgment to listen. Actively three leave people better. Let's quickly break it down. Judgement creates distance. We all do it. I'm just as guilty. We might find when we go judgment. We often can discover unseen opportunities more opportunities more dollars more vacations more college funds for me more orange chicken now. The second principle of infant empathy listening actively speaking more sometimes get this less in speaking less could potentially get us more. We've got coworker friend who talks too much. Maybe an ex. I don't know but here. She is missing out on getting accurate information by talking so much information that is accurate is a modern day version of gold. So let's consider speaking lesson listening more. I think we'll maximize ourselves outcomes when we do. The third and final thing of infinite and the is leaving people better. Lasting impressions are lasting in sales professionals. We don't have to persuade anyone to do anything. Our job is simply to create an environment in which are prospects can convince themselves we can do this by having courage to ask bold questions new orientation question fly would you be opposed to signing by the twenty six. Are you against moving? Forward without this feature. Would it be ridiculous if you gave me an extra fortune cookie with my order remember? Infant empathy simply means practicing letting go of judgment listening actively and leaving people in a better place.
South Dakota Senate committee rejects resolution urging Congress to rescind Wounded Knee medals. Spokane Tribe celebrates legislation to compensate tribe for losses from dam construction decades ago.
"The National Native News Antonio Gonzalez a South Dakota Senate committee is rejecting a resolution urging Congress to rescind the medals of honor given to soldiers who participated in the wounded knee massacre. The sponsor of the resolution says senators miss their chance to make history by saying what happened at wounded. Knee was not okay. Lee strube injured reports on December. Twenty ninth eighteen ninety around four hundred and seventy. Us soldiers surrounded chief big foot leading his people to the Red Cloud Agency in Pine Ridge. A shot rang out and thus began one of the deadliest massacres in United States history. It happened on South Dakota soil estimates range of one hundred fifty to three hundred Lakota elders women and children were killed. Republican state senator. Jim Bohlen is a former history teacher. He opposes the resolution which came up in a Senate military and veteran's affairs committee. He says the decision to resend medals of honor given to soldiers who participated in the massacre is a matter best left at the federal level again. None of these people who were involved in these horrific horrible terrible despicable acts were residents of South Dakota and none of the orders that were given at any time. Were to best my knowledge or what was testified here. Today were ever came from anyone in the WHO wasn't an official of the South Dakota State Government. Which at that time was only one year old had only been in. Venice state for one year of those nearly four hundred seventy. Us soldiers twenty were given medals of honor by contrast twenty seven medals of honor were awarded Marines. Out of the seventy thousand sent. You would Jima. During World War Two Democratic State Senator Roy. Heiner brought the resolution. He's CICHAGO's Lakota from Michigan and says a Senate resolution is reserved for petitioning the states federal delegation to read some of the accounts from people who were there both Indian and non Indian. They all said what happened was terrible what. I don't understand is the congress awarded Congressional Medal of Honor for those acts and we aren't brave enough to say we shouldn't Heiner says we're sending those metals would go a long way in helping descendants of wounded knee survivors. He'll for national native news unleashed Jupiter. Npr The spokane tribe held a long anticipated celebration last week over passage of legislation to compensate the tribe for losses incurred after. Grand Coulee dam was built decades ago. Steve Jackson has more the completion of Grand Coulee dam in nineteen forty one meant the loss of homes as the Columbia River. Rose over its banks. The impact on the culture was just as dramatic in meant the Sanin very important staple an icon would no longer be able to make it upstream tribal lands. It took decades to convince lawmakers that the tribe deserve to be compensated for its loss. The bill received bipartisan support from Washington State Lawmakers Democratic Senator Maria Cantwell and Republican Representative Cathy. Mcmorris Rogers Ninety five year old tribal member Viola. Brazil remembers when the dam began to flood the tribal lands. I was GONNA make it my. Gosh live that long. But it's Kinda sad that might never got to enjoy everything that's going to be coming because I'm happy for the younger people that you know that will have schools in college funds. I hope you know something to go on. Travel Business Chair care. Eleven says the annual compensation could bring the tribes six million dollars a year in perpetuity for national native news. I'm Steve Jackson reporting from Spokane
Dr. Mary Claire Haver, Creator of The Galveston Diet, Designed for Women in Menopause
"Meet Dr Dr Mary Clare. Hey welcome to extraordinary women radio. Mary Clare Thank you for having me. Yeah this is. I'm so excited to talk to you. Learn in about your Galveston Diet and this is at a time of year when so many of us are thinking about eating clean and healthy. I know myself I've been really Kicking awesome really a good healthy eating habits this last week and I went to the grocery store and did all my good shopping and I prepared all my foods on on on Sunday and I and I just felt really good this week so exciting. I'm excited to hear what your work is. All about. So I love stores transformation and I think we're really. I'd like to start this. Is You left behind a full-time. OBGYN the paycheck. All the good stuff that comes along with that and became an entrepreneur to start the GALVESTON. John Diet. Tell us what was the what was a pivotal moment. That helped you decide that you were going to take this leap. And how did that all unfold for you. Though once I develop the program I basically developed it I for myself because despite hundreds of patients complaining complaining to me about Midlife weight gain than me internally taking a deep breath maybe a tiny bit of an Iro and patting them on the leg and telling them to go back to the Jim to count calories and then swearing they were doing all of it and it wasn't working. It wasn't until I actually I. I can relate. I have been so unfair to these poor women who came to me for advice and to be kind minded myself. I was never trained in nutrition at all. I was in medical school. It's a you know when you see it right. Whatever that so often as there's no I mean that's just amazing to me that there's no nutrition's training in medical school? I better than others. It's definitely getting better but my goodness twenty five years ago ago when I went through and other than you know people needing trans parental nutrition because they couldn't swallow you know that kind of TBN beanstalk very very high tech but as far as sitting down with a patient and discussing just the basics of nutrition. In what they're eating. What's helping what's not helping with? No training and I realized that calories in calories out hitting the gym is really difficult to me contain midlife and there was nothing else going on That may be all these calories equality and we were missing something so marched over to the Battle Institution Department at the University of employed at the time and said hey guys was going on. This isn't working for me. It's not working when my patients and they're like look. We only do studies on the elderly and twenty five year old male athletes in a few astronauts like there's no one's paying for research on middle aged women. Wow so here's what we know. Here's some anecdotal. Like we were studying other things and we happen to look at what they were eating so I just. I got a stack of things and started reading reading reading reading on my own looking at the fads and looking at new woods. What is this about Halio? What's going on what you know? All the facts that people were trying and having limited success but not really good hells Dell's and I started seeing this recurrent theme of inflammation coming out onto something here. So the the derive doug the more that I found out about why we have increased inflammation with age especially in women especially with the changes and just blowing my mind with all the nutritional things that we could do to change that so I came up with a plan for myself. Super Selfish. Just wanted to fix me. He said all right. I know that there's definite nutritional changes that I can make that will combat inflammation. I can add in all these things that are anti inflammatory and I can remove these things that we know inflammatory. Nothing I was taught. I really did a deep dive into the intermittent fasting data came out absolutely blown away. It's fascinating this was three years ago. You know before Classes cool and also looked at the high addiction of of Americans to add sugar inseparable carbohydrates also. I said all right. Let me let me put these three together and see how they work. They work like magic on the center. Justic played literary accomplishments that twenty pounds just melted off. I was just blown away. Of course they my girlfriend's like what are you doing. Hey share so I'm a little xerox copies of my program. Mike Program Very Much N.. Handed it out to my friends. And they started giving me feedback be back and they were trying it and then I reached out on facebook to a few friends who live downtown. Hey do you wanna try this. In the nature of difference on all of a sudden my facebook group just blew up. Yeah and so many people were interested in it so that was kind of a catalyst for this is a thing I gave it away for free for a year and a half had these little test groups I thought about doing like a protocol study on it to treat menopause symptoms and because so many of the of the students were only have harsher. You better sleeping better all the things that were kinda coming along with. Menopause seem to be better outside of the scale. You know and so it was. Then I had some savvy your business friends who are physicians who who were entrepreneurs who set cleric. This is a thing like you can make this business knows me me you know and I got some advice. I tried any book. It failed miserably and meanwhile I'm still working and then I said did you know I need more time. I need to release figure this out at the same time. The administrative burdens at my job were becoming more and more unbearable and a a lot of people in medicine will tell you that the paperwork cart was just completely overwhelming. And I wasn't having enough time for patients I've heard that many times end getting older older in the hours. It'll be our task when you're delivering. Babies they come remain calm right. I'm not the girl who was cutting who was performing Caesarians at five o'clock in the afternoon. Exhume wanted to get home. I did all the right things so my I was getting tired of less resilient. My husband was working away. A lot of kids were being raised by nanny. I I just felt like they were teenagers in that. This was the right time. So when my last press Ganey scores came through on patient satisfaction. It was It was like a four point six five which I thought was great. My job is not to make everyone happy. Sometimes I have to tell them bad news or share things that are uncomfortable or whatever Ito I had a twenty five year old. NBA Yelling at me. Telling me that I had to have a perfect score and I just thought you know this is probably the right time for me to as you pull back from this. I told my husband. Let me get a year year to work on this and see if I can make this business and I can always go back you. You know. That's always a steady paycheck. My husband has a nice job. We paid off you know. The kids caught kids. College funds were set. We were in a good financial place as a family. You know basically you had some receive money and so you decided you were going to give it a try right so I decided I had some money put away and to help helped start the business and got some other advice to maybe considering online course. Fortunately we knew an online course. It's it's not very expensive to set up in its intellectual property. I didn't have a brick and mortar. I didn't you know I'm just selling service rather than a product so so it ended up being very economical and I watched the course my raving fans and it exploded from
The History of Tiki Time
"Aw I mean you could be a little bit more cynical and say that don didn't just create this decor out of love it was also to cash in on on something that was very much in the cultural the other thing was that America's well as Europe was in the grips of the great depression everybody's bummed out and they have a little mini vacation in this beautifully appointed fo- Polynesian atmosphere with these amazing exotic cocktails so that's the story signed on the beachcombers atmosphere but what about those cocktails they didn't call it Tiki back then he called them rum rhapsodies there's a little bit pretentiously put an ancient rum in the French style just to make it more classy but here's my question rum is a Caribbean spirit right why not serve Polynesian rhapsodies instead the problem was there's no such thing as a polynesian cocktail I mean he had polynesian decor but what do you serve in the glass in the new Hebrides they did have a polynesian drank native ponies and drink called Kava what they would do they would sit in a circle around a big wooden ball and chew the psychoactive roots of the Kava plant gave you sort of a nice melody sociable high where they chew it spit it into a ball and they'd mix it with coconut milk and then they pass around you and you drank from it this was not the sort of thing that would go over very well in Hollywood and thirty four so no psychoactive saliva base drinks for done but he had another idea he'd also traveled to the Caribbean in those round the world adventures that he'd spent all his college funds John and that's where he had discovered the planners punch in Jamaica and the the dockery and Cuba the Queen's Park swizzle in Trinidad these are all based on rum so don new and he knew rum drinks but rum also had a practical advantage it was the closest spirit available to import Cuba's close by and willing to supply thirsty Americans it accuses right after prohibition and so rob was only spirit that had been readily available in the US while that distillers your non in operation and the term running Shannon must've runs the bar at the Caribbean themed Gladis in Brooklyn and she recently wrote a cocktail book called Tiki earn tropical cocktails and Shannon says that Rome was actually the cheapest to for bar operator costs was really important especially as you're talking about being in the Great Depression so ram fit the bill was expensive in costume much contracts at the whisky which is really expensive because there wasn't the really wasn't any left in this let me take a few years make more whiskey and agent the dawn has rum and he knows some of the basic Caribbean rum drinks but he doesn't just serve those Caribbean drinks he reinvent it's them and it was an entirely new way to serve and mix cocktail he basically took the three hundred year old planters punch poem I'm one of sour to sweet three of strong four of week sour being citrus sweeping sugar strong being rum and week being water ice and he squared or cubed he was like okay I could use lime juice as my sour but what if I mix lime and grapefruit in the same drink and how about instead of just Grizz my sweet what if I mix honey and maple syrup together or infused my sugar Syrup with some spices or pomegranate syrup so he dimensional is D- those two elements and also so what was really radical and brown breaking was that he did the same thing with the strong instead of just one rum he would say okay planners punch generally has dark Jamaican Punch one minute what if I added to that in the same glass a white Puerto Rican or Cuban room which has a more floral dryer kind of file the two rum's enhancing inform each other the Puerto Rican rum cuts the heavy molasses sweetness and density of the Jamaican and the Jamaican adds flavor and depth to the light dry Puerto Rican so anyway this was revolutionary nobody'd ever had drinks like this for nobody's ever made drinks like before that basic idea take a plant as punch and Cuban that's the recipe for what became Don's most famous drink the drink put him on the map the Zombie Don Lake to tell a tale of how he invented the Zombie a businessman came in and was so hung over and he had a sales meeting on made him a couple of these and he walked in like Zombie and nailed it but there's no way as perfect as this cocktail is that donges whipped up behind the bar in two seconds there was a lot of you know coaxing in finessing with these rooms and the dawn's makes in the Porno and the bidders but yet that's the legend that don created for it but yeah it was strong it was popular and there was a limit of two in the bar you can have more than two but even with the limit that didn't up the crowds from storming as place they were lines out the door it was a real see and be seen everyone that went into don the beachcomber was a WHO's who of Hollywood Howard Hughes in Grant Joan Crawford Clark Gable Don's little bar was a huge success so almost immediately there were copycats people started putting up their own version of a Polynesian Paradise all over la remember Americans were already obsessed with the South Seas but the whole vibe struck a particular chord in California first of all Californians of course really embrace surfing in this period which is a Hawaiian Sport and you know there's also a kind of a belief in a sort of shared attitude and aesthetic sensibility right so Californians very much the themselves as you know more modern and more relaxed than the rest of the United States are certainly more so than the kind of Stodgy East Coast Sara Miller Davenport is a historian at the University of Sheffield and she just wrote a book called a Gateway State Hawaii and the cultural transformation of American Empire Californians just vibe at aloha spirit so within a couple of years they were copycat bars all across the state most of them are just knockoffs and nothing to write home about but Jeff Ameri told us one of those copycat bars was really the equal of done the beachcombers the only restaurant tour who went Tiki or went four Polynesian in the nineteen thirties who could rival Don's palette and his skill was a guy named Victor Berge on He was the French Canadian son of a waiter in Oakland and he was in San Francisco he had his own little place there called Hinky Dink's was famous for a Frankenstein you get frank and a Stein for ten cents and he thinks was basically just a little barbecue shack with a Alaskan I rapper theme you know snow shoes and taxidermy on the walls in nineteen thirty seven he took a vacation to Hollywood and discovered on the beachcombers and like everybody else he he waited on line for ninety minutes to get into the bar he saw the popularity of what was happening at Don the beachcomber and try to recreate that up in his place and he turns and hangings into Trey Vicks and he turned himself from Victor Berge Ron into trader Vic Bergeron chair Vic as he was now known he was super savvy any seems to have had a great pallet everyone else was just copying done but trader vic actually used new spirits and juices and invented his own drinks and the food in his restaurants was revolutionary for mid-century. US I mean he introduced on elements of east Indian Malaysian Jap in these and other cuisines on his menu which was unheard of at the time like Donna beachcombers and all these other taking place just serve basic cantonese Chinese food is cheap the Chinese cook and then that would be that but vic pioneered what he called international cuisine and it he did it very very well to the point where he had white tableclo- fine dining restaurants multicourse meals of his own invention vic was also something of a showman he had a wooden leg from from his childhood illness but he would invite people to stick a fork in it and then he would tell them that he lost it to a shark on the high-seas but don the beachcomber and trader vic or soon franchising around the country you WanNa Polynesian themed night out on the Down in Chicago complete with dancing ladies and tropical drinks and an expensive dinner you got it that could've gotten old but then World War Two happens and things get even worse and more and more people flocked picky bars and then Gi's come back from the actual South Pacific with a renewed interest and all that and in the nineteen fifties everything combines you have a booming postwar many facturing economy you have all these vets coming back writing and making movies about their experiences and Tiki just goes into overdrive and it's perfectly suited for the Eisenhower era suburban culture as well which is kind of stifling and moralistic but you can make a little escape into the Pagan South seas in your local Tiki Bar International level was still a little too expensive for regular people in the nineteen fifties but increasingly a middle class couple could treat themselves to a nice night out and get away from it all that way the musical South Pacific came out in nineteen forty nine does this mean I finally finally get to play a little bit of something that booth you Nikki and my partner Tim like to make fun of me about what might deep and abiding love of musical theatre dear God there's no stopping you is there nope Pacific here we come some and Charlie the you may see a stranger thanks for indulging me going to let you make a habit of it okay see anyway the point is Tiki just kept getting more and more popular things continue to grow a pace in the nineteen sixties when you see really the height of Fo- Polynesian Restaurant Chic nece sort of Tiki chic but these were not low end beach bars or Jimmy Buffet Style replaces most of them like trader Vic's on the beachcomber and Stephen Crane's kon-tiki chain were high end luxury restaurants and they were event dining in people would save up and go out on a Friday night in their best clothes to these places even Disney got in on the tiki craze with its very own enchanted tiki room it opened in eighteen sixty three and drilled it soundtrack into the brains of America and even in the nineteen sixties international travel was still expensive and so Sarah says are white middle class Americans these tiki bars and restaurants allowed them to feel cosmopolitan going to Tiki bars right becomes in order these Polynesian restaurants becomes a way to sort of from any white people right to express your kind of embrace of foreign cultures in this moment and speaking of embrace Tiki bars and this whole American love affair with Bo Polynesian everything by the nineteen sixties it's not just about being open minded did it's about being sexy which is a period where more broadly a loosening of some of these sexual norms and I think there's something very appealing to women or at least in the way that these various cookbooks and magazines portray it for women kind of cross these racial boundaries right to kind of play act as a kind of Polynesian princess white middle class women went to Tiki bars and held back yard luos and dressed in moves and eight that FO- Polynesian Pan Asian cuisine the way it's described as often as a way of the Luau is a chance to kind of loosen up it's a chance to play act as as a Polynesian woman right and of course the stereotype of Polynesian women is there you know much more overtly sexual than white
"college fund" Discussed on Phil in the Blanks
"To go all in not telling you to go mortgage your house. Sell Your Car Pasha in your Kid's College Fund and invest in a wildcat oil deal somewhere up in the middle of nowhere. That's reckless as not what I'm telling you to do. Do that's like shooting dice. That's gambling. That's not taking a reasonable risk you must I always keep your options open and let me tell you how that works. Because this is important element of your playbook winners are smart enough not got to deal in ultimatums. Take rigid positions and not leave themselves away out. Winners are smart enough. You've not to deal in ultimatums. Take rigid positions and not leave whoever they're dealing with with a way out. Winners are smart enough to say whatever I'm doing whether it's with parenting my children partnering with the person that is my significant other negotiating with my boss. Whatever you're I have to leave them a face saving way out if I expect to win if you're negotiating with your kids maybe it's a teenager and the only possible Bul way for you to win is for them to completely fold up their tent and say they're wrong? They're idiots. You're the wizard that knows everything in the world and so they're going to do exactly what you said and they're sorry they ever even thought of it. You got a long road ahead of you because that just ain't gonNA happen. If of you want to win and get your teenager to comply with something that you want them to do. You've got to give them a face-saving saving way out. You've got to give them away where it's easy for them to not do what they wanted to do and to do what you you want them to do that means. You've got to figure a way to get this handled without them saying yes. You're right and I'm wrong. You're crushing rushing their ego when you do that. You can't deal with ultimatums. You GotTa leave your way out. If you say to your teenager all right you're grounded for life and you're never getting your driver's license back. What you know the problem with that? What are you GONNA do next? Okay Eve grounded them for life life. What are you GonNa do now ground them in the afterlife? If nowhere to go and you've used the word never you're never ever getting your driver's license back so what forty two going to be sitting at home saying Oh my dad's got my driver's license. I've never getting getting it. Come on. You've got to stop and think you don't deal in ultimatums. You don't take rigid positions. You have to leave yourself. Uh Others A face-saving way out my wife Robin created Robin girl revelation so you can enjoy healthy skin at any age her her products are all about antioxidants that keep skin protected firm and glowing. She's got a new product that.
Oprah Winfrey donates more than $1 million to United Negro College Fund
"Oprah Winfrey shocked attendees at a North Carolina fundraiser yesterday by announcing a donation of more than one million dollars to the United Negro college fund the former talk show host made the surprise announcement at the Charlotte seventy Emmanuel Maya Angelou women who Lee
"college fund" Discussed on Movin 92.5
"Start a college fund your dedicated banker is just a tap away keep your money in life in harmony open and I'm quite access checking account today go to a local bank dot com to locate a store near you or open your account online in minutes home call bank where your bank people member FDIC equal housing lender. and hit music station. using weekends. may hold one I had. back in in it. and. we just keep. no. your call. it's only at seventy five. yeah so Monday is going to be the next. the other one. I don't have a way. you take my. thank. give me. because. because I don't. give me. give me. the only. the yeah because I don't. ninety two point five. music station. Regis. it started off. can you. well it's been nine you know he's he's me something. stop. Regis. Regis. ten hours to some flowers in them make sure. now I'm on the. the them. you. we just. this is with gang for a. this is what came from. number one hit music station. this is. the chain smokers first one one calls off the chain. and now one of them is being they're being blamed for plagiarism. new song is good take away on movement. so you don't mind. six station. this has happened to me. because I want to. he. two point five. music station. the. when the morning call..
Vernon E. Jordan, Jr. Reflects on His Past
"<hes> best analogy comes from politics permanently. Jordan junior has been called the rover parks of american business born on august august fifteenth nineteen thirty five in atlanta. Georgia jordan is a civil rights icon business consultant and influential powerbroker. Jordan wouldn't a graduate of depauw university way earned a political science degree in one thousand nine hundred fifty seven and howard university school of law never want to sit on the sideline in nineteen fifty one he helped desegregate colleges and universities in georgia from nineteen sixty one to nineteen sixty three he was as a field secretary for the national association for the advancement of colored people in georgia in one thousand nine seven jordan became executive director of the united negro college college fund and i eighteen seventy one. He became president of the national urban league. He held that position for ten years on may twenty nine thousand nine hundred eighty jordan wooden was shot and seriously wounded outside a hotel in fort wayne indiana. This incident became the first story covered by c._n._n. And as we all i know by now jordan became a close confidant and political advisor to president bill clinton this past spring. Jordan was keynote speaker at the summit on race in america held at the l._b._j. Presidential library on the campus of the university of texas at austin the following is an expert of that reason tation now now. Let me explain to situation you. Were in with me this morning and i can only explain it by telling you. I'm a true story. I'm a member of the african methodist episcopal church all my life and and this young pastor who just graduated from seminary and the bishop was signed him to a church a small town in georgia to begin his pastoral ministry astray and the young pastor was cited about the beginning of his pastoral ministry so he went to this small georgia town and on saturday he went around to community to say i'm the new pastor here and i'm beginning again in my pastoral ministry tomorrow and i. I'm looking forward to seeing you at church. In the morning. The morning came mm-hmm and it was raining and stormy and then the black community. The streets were unpaid so they were almost you couldn't get through anywhere but he was excited about the beginning of his pastoral ministry so he put on his suit. He got for graduation and his new shirt and he went to the church at nine in the morning. Nobody showed up for sunday school and it eleven o'clock. Nobody has shown church at eleven twenty. One so parisian shows up the church services so the young new pastor russia's down to the so perimeter and says brother. I'm the new passed a here. I've just graduated from seminary but in similar nair they don't teach you what to do. When only one parisian shows was up for the church service he said do you have any suggestions and the so parisian says well preacher. I'm not a preacher. <hes> i'm a farmer and all i know is that we're well now. Load my wagon full of hey go feed my cows and only one cow shows up with the feeding i feed them and
"college fund" Discussed on Newsradio 700 WLW
"Gains at the open after a lower close on Wall Street yesterday as MP futures up nineteen nasdaq futures at fifty nine points Dow futures up a hundred forty four NYMEX crude higher by almost one percent this morning at fifty six dollars and sixty two cents a barrel today were watching for the July existing home sales data in minutes from the fed's July meeting we also get earnings from retailers including Lowe's target and Nordstrom yesterday the Dow tumbled one hundred seventy three points the S. and P. fell twenty three or eight tenths percent the nasdaq dropped fifty four president Donald Trump showed no urgency to resolve trade friction with China and renewed his call for a big federal reserve rate cut overseas European markets are bouncing higher today after Asian markets closed narrowly mixed once again Dow futures up one hundred and forty nine points Tina survey Bloomberg radio nine six forty Saddam eject yes it is what I was saying about how much you're spending on the apple TV morning show I did hear him willing to make that much no that's crazy combine hello yeah yeah fifteen million and at this lord throw money around these days it's unbelievable yes I forget how long ago was that the first company I recall sold for a billion dollars the first on the used to be really yeah I'd say it was probably late eighties early nineties okay and now just be paying a hundred sixty five billion for this and that people just throw money here take this I don't need it one billion six billion what's the difference as apple probably not heard of the Ingram college fund no kidding all right what is shaken and traffic.
"college fund" Discussed on This Is Uncomfortable
"You when I talked with Haley's Dad Rick Carol he had just eating breakfast and was sitting in his living room and Lomita Texas he says as a kid hilly was absolutely adorable. I'm looking at some pictures. I've right now in fact. She has a very curly hair and when she was a youngster knack holder thing one Dr Seuss thing when it think too when I ask them what life was like raising her. It gets straight to the money. I don't think she knew that we broke a never wanted her to to worry about money and so hopefully she she didn't. I don't think she did.
"college fund" Discussed on This Is Uncomfortable
"And an account that could only be used for education. It was just an enormous savings account that her dad was in charge of Haley was furious us. She stopped towards her room slammed her door and intrude teenage form screamed into her pillow. Yes it was once a lot of money that no longer existed and that sucked but knowing that it was a gift from her grandfather that her dad took away made made the law sting even more if like a wild betrayal and then so do you just avoid your dad in the house or what happens. We really didn't talk much for awhile because I just didn't want to. I it was so upset at him. I just didn't have much say you know. Just you jerk you stole from me. My older sister got her money to do with as she pleads he didn't take your sister's Monte new schlaize a decade older than me so she got at her money to use it for what she wanted some of which was college but not all of it. I'm getting mind to use it for its intended purpose and now I can't for Haley. It was a defining moment something as you go through life you return to again and again because really it's the moment.
"college fund" Discussed on This Is Uncomfortable
"When I was a little kid your dad is kind of a superhero? You know most people see it that way. When Haley McKnight was little she lived with her dad in the country just outside Austin Texas surrounded by pastures and Fishing Ponds Her dad was this walking Encyclopedia Encyclopedia of nature? He can identify pretty much any rock any tree any bird. Just look at it. Oh yeah that's a pink bellied with a waffle yeah. That's not a real bird just a anyway Haley says spending time outdoors doors with her. Dad are some of her favorite childhood memories. Her Dad used to be this local rock and roll musician who eventually got a job fixing computers but then in two thousand one the DOT com bubble burst when I was around fourteen my dad got laid off off from his job and then just never got another one. Where are you concerned? He didn't have a job. How did you pay.
"college fund" Discussed on The Dave Ramsey Show
"Up and then run it right back out onto that medical netizens run it in there but pay it through that run it through that and because it saves you by being pre-tax contribution Russian into that and then a tax free use of that is to pay medical bills Chris is in Utah. I Chris Welcome to the Dave Ramsey show. Hey it's an honor to speak with to how you doing better better than I deserve sir. in Utah. I Chris Welcome to the Dave Ramsey show. Hey it's an honor to speak with to how you doing better better than I deserve sir. What's up so here's where I'm at Dave? I'm listener in. I can't tell him and I M M <hes> charged up a truck driver so I listen to audible downloaded financial peace revisited total money doc Mako or <hes> my talk every dollar budget out this month phenomenal and I'm just pumped up so I'm just trying to get her on board. I am I'm naming. I'd ask you <hes> month phenomenal and I'm just pumped up so I'm just trying to get her on board. I am I'm naming. I'd ask you <hes> and suggestions. This is your listeners. We thought about it but I don't know how they'll go. It is out here in Utah on Saturdays and Sundays. I'm home so maybe just some suggestions to kind of get her pumped up with me. Okay well the mistake most guys make when they get amped up about this this is they start talking about what we're going to do and she doesn't care what we're GonNa do until she knows why we're going to do it so don't talk about the what talk about the why if we didn't have any payments what could we do. We could build wealth if we didn't have any payments. What could we could find the kid's College Fund? If we didn't have any payments we could travel if we didn't have any payments. We could be more generous if we didn't have any payments. What is the thing that lights her up that you could do if you weren't broke and that's the thing and so that's why that's why you need a dream with her and come up with your y and go okay now? Then what's the best way to not be broke. Get rid of the debt now. We have a reason if if it lights are up and she says you know I really am scared that we're not gonna be able to send our kids to college and you go that's right. I think you're right. I don't think we're going to go senator kids to college unless we get out of debt but you know if we didn't have any payments. Soon the kid's college couldn't we yeah well. Let's let's get rid of these debts as worked together because now you've got the Y.. In front of the what because a lot of guys just get excited and caller go hey honey. I'm selling your car. Which of course goes over like not at all right yeah and so you we're we're desperately bad most guys me included about talking about the what rather than the why if you get the why right everybody also follow along? That's true when you're leading inside your organization if you're a leader and you're listening to me out there running a business or running a nonprofit or whatever it's true when you're in a
"college fund" Discussed on AM 1590 WCGO
"And helped me, how college funds and you game as in such good. And do you do any household? You'll give give as a household right now. If somebody comes to our church. Starting a home for something where my wife can't get the check with how fast and how. Five. Relationship ATM. So yes, we do a lot and get a lot of veterans causes that is Don. I'm sure along the way of you amassing two point one million you had to have made some mistakes. What was your biggest one state? The new boat few things like that. But the rainbow back and cleared, but. Back in green. Talk about it. God. Was dying over the stupid thing. Oh, God about that. That was thirty years ago, man. Unbelievable. Well, congratulations. What's your advice to the younger version of us listening? If they want to do this. I would say. This has that your net four year age end. I deserve it type thing that you. When you have. Houses timeshares. Just keep your eye in the ball. If your kid's college invest near hand ten then you.
5 Questions to Ask Yourself Before Finding a Financial Advisor
"Should you look for in a financial adviser? And so if you need help from an expert investment advisor, this podcast is for you, and many times investors, aren't really sure what questions to ask. And I know when I was looking for a financial adviser. I did a lot of research. And I thought I would share with you all what I've found, and you may get the run around from your adviser, you may not get a direct answer. But as I said, I finished an exhaustive. Search for a new advice? I learned a lot. So I'm going to share my findings with you. So that you can maybe saved some time and hassle. See you want to answer these questions before you proceed? These are questions. You would ask yourself not the adviser. First of all are retiring soon, so maximizing retirement income requires smart decisions about complex topics like your 4._0._1._K or your IRA withdrawals. And what age did you be able to start talking about taking social security and second do you manage your own investments? So are you one of those ones who likes to come up on e-trade do that sort of thing? So if you do it might be a good idea to review, your strategy with third party expert, and there may be opportunities in your portfolio that you're overlooking that a an expert would know third saying to ask yourself is do you have children? So if you're helping them with college fund or trying to figure out how to leave some inheritance for them. There may be ways to ensure that your children, our grandchildren are taken care of. And that you have that you've either overlooked or you're unaware of you. Never know. What's out there for a question is maybe you than heritage some money from a parenting passed away or you win the lottery, the sudden increase in wealth may be difficult to manage and you might want to check it out with a financial advisor who can help you. Of course, if you do win the lottery and win a million dollars. Sophie, all over you trying to get your. For your information and your money, but the fifth one is do you already has a financial advisor. So depending on how you chose your adviser may have been a few years ago. There may be a better one out there for you who can meet your needs. At the point. You are now in your investments, maybe time to move to another level of investment opportunity that will increase your terminal come are you getting a divorce? Well, untangling finances than a divorce can be messy arguments can arise. So getting impartial advice is very helpful and very necessary. And last a do you want to increase your retirement bottom line start early to evaluate and reviewed interment accounts and that can add thousands to your nest egg.