29 Burst results for "Dubuque"
"dubuque" Discussed on Gambling Podcast: You Can Bet on That
"In some 8 5. But that's a far cry from the 7 5 6 5 that you'll see normally on cruise ships. Crafts will $10 however they had no ultra all small fire that it was just a straight game. But still a $10 is not a better deal as well as the poker $10 minimum. They had constant poker tournaments and constant slots tournaments and they actually had a pike out table. Which has never seen on any cruise line. It was 20 $5 minimum, which is pretty difficult these days. No fortune bonus, but still, it was there. And I couldn't believe it. It's a larger casino than most, but still got its quirks because it feels like it's long and narrow and they actually have one side of the casino at one point dedicated to non smoking and wasn't bad when I played a couple of rolls ends with slot machines. So there's my trip report. Hopefully I get to see you guys soon. Someday, sometime. And until then, I'll be listening, have a great week. All right, thanks, Robin. Yeah, Cruz ships definitely making a comeback and we're hearing about good gambling conditions in their casinos. So that's good news too. Yeah, well, I mean, that's a pretty big draw, I think, for khrushchev. Certainly for some people, yeah. Even if you're not a big gambler, when you're on those out to sea days, you go in there, you throw 20 bucks and slot machine, it falls away a little time. Yeah. And I think it's a good thing. Now, you know, they don't have them on all cruises because yeah, I don't think Disney cruise has casino. No, they don't unfortunately. They should. Yeah. And some of those river cruises and stuff, the ships were smaller. But yeah, if you want to find a good gambling cruise, this one sounded great. Yeah, definitely. Did you see him wave? Yeah, I waved back. I don't know if he saw me. No, probably not. You're a little the horizon is a odd thing. All right, last call. Mark, doctor Mike. Hey, it's Kevin from Wisconsin. I just wanted to thank you guys for the great time. My wife and I had with you at diamond Joe worth a few Sundays ago. It was cool to watch you to an action and get to break bread together after a nice session of gambling in Iowa. A few notes about that casino stuff is pretty tight there at diamond Joe worth, just like Dubuque. I like the way the sportsbook opens up though and that there's a bar right there to watch the big game. That was cool. One more thing you might likely know since FanDuel runs the sportsbook in both the buchan northwood, you can make and cash sports bets at either book. For instance, I could place winning bed at diamond Jill worth and cash at a diamond Joe Dubuque, the reverse is true as well.
"dubuque" Discussed on WABE 90.1 FM
"Not showing on any of the maps. It's called bloody run, likely named for the slaughterhouses that used to sit alongside it. It was shunted into a pipe and paved over between the 1930s and 50s. It's right next to the sharp's home and could have made their 2017 flooding worse. Many cities have similar buried streams, somewhere in their histories, planners decided the streams were a nuisance, or thought they should be replaced with buildable land. And that water's going to run somewhere, and the more of it runs off. It's going to find the easiest place to go. With more intense storms, floodwaters are now showing up where they didn't before. Outside flood zones designated by the federal government. Clark and her team are trying to figure out the relationship between forgotten streams, rainfall rates, soil moisture, and flooding. Darren mirroring is a civil engineer for Dubuque Iowa, which sits on another major river, the Mississippi. He says the situation in Middletown sounds familiar. You know, over a period of 12 years, we had 6 rainstorms of produced presidential disaster declaration. Mirroring headed up a sweeping solution that included daylighting a buried creek, the former B branch sewer became the B branch creek surrounded by park space, a city bought out about 100 properties to make room for it. In other infrastructure, nearing says Dubuque is designing for 500 year flood events, severe storms with a historically low chance of happening. It made sense for us to design for that 500 years so that we were in a better position to accommodate whatever the future might hold in terms of rainfall. The project cost hundreds of millions of dollars and took over a decade to design and build, but mirin says it's working in guarding against floods. The B branch creek is even seen as an asset. You know, in fact, there was an ad in the newspaper for a house in the area and it said B branch frontage. The sharps and other families in Middletown are eager for solutions, but answers will have to wait until the town gets more information on how to mitigate the flooding risks, climate change is bringing. For NPR news, I'm Rachel mcdevitt in Middletown, Pennsylvania. 5 18 are time now. I'm glad you were long for all things considered on 90.1. I'm Jim burris from Florida's Gulf Coast. All the way through Georgia and into Atlanta, folks are preparing for hurricane Ian. While George's fate is unclear flooding and wind damage whether a major concerns, along
"dubuque" Discussed on Gambling Podcast: You Can Bet on That
"The last TV had a sitcom with The Rock. They didn't mess with that one. They kept that rerun on until we directed them otherwise. Lame, put in another swear here. Finally, and most important was at rhythm city at the crabs table three quick things. One, a guy blew on the dice before throwing. He was promptly shamed for doing so by everyone. To a couple of weeks ago, I reported about a fellow who threw a bunch of tens of the crab stable there, and that's all I did was place a ten. It made a bunch of money. Same guy was there during the trip. I placed the forest, so, of course, he threw a bunch of tens again, and I got washed out. Third and final story, I find it's very awkward for me when I stand next to the dealers when I play, throwing my chips on the come when the numbers are right in front of me is just something I continuously goof up. I'd be interested in knowing if you two have a preference on where you stand at the table. Thanks for the great shows, as always, I'll need to make a decent karma donation before a Vegas trip in July to bring my wife and me some good juju. Doctor Mike, wife and I will show for you to Dubuque later this summer. If you need to tour Iowa. Take care. Okay, so there you go. Diamond Joe Dubuque about two hours, 15 minutes from where you are. Right. I looked that up too. Way drive in here. So yeah, that's on my list. Good. I guess I'll answer first as to where I like to stand at the table. If I go up to an empty table, I'm usually going to stand maybe right next to the dealer. I kind of like that area there because then nobody's going to be next to me on one side at least other than the dealer..
"dubuque" Discussed on WTOP
"5 55 money news, 25 and 55, Jeff clay, dance today, the Dow up a 194 by the close. The S&P 500 Index op 36 points, that's 1%, the NASDAQ up a 179. That's more than one and a half percent. Netflix is laying off another 300 employees about 3% of its workforce to counter slowing revenue growth, Netflix cut about a 150 jobs last month after its first subscriber loss in a decade. Airlines have been reducing service to some cities because of a pilot shortage. American is scratching four small cities altogether. Ending flights to ice lip and Ithaca, New York, Toledo, and Dubuque Iowa, a prominent hotel on Washington circle in D.C.'s foggy bottom has changed hands. One Washington circle whose rooms have balconies overlooking the circle will get a complete makeover. George Washington University had been using it as temporary student housing. Jeff clay will be news. Thank you, Jeff, on Capitol Hill the topic is former president Trump's pressure on DoJ to help overturn Joe Biden's election victory in 2020. We'll talk about that in the committee hearing. It's 5 56. You're driving home when, oh no, you hit the longest red light in town. What's this? You're smiling because your car smells amazing. You just installed it febreze car vent clip. 5 weeks ago with up to 40 days of consistent febreze scent, those lights can stay red for as long as they'd like. Green happy febreze la la la la la fuel your summer with WTO's free gas giveaway
"dubuque" Discussed on Squawk Pod
"Be in. For you too, I think, trying to sell some of this stuff, but anyway, we appreciate you. We appreciate you coming on today. Almost good to have you. American Airlines plans to drop service to several small U.S. cities this September, citing service cuts and a shortage of regional pilots. The four cities losing American service are Toledo, Ohio, I slip New York, Ithaca, New York, and Dubuque Iowa, this move by American is a similar one to industry peers, Delta and United, which have each scaled back service between some smaller cities and their hubs, citing a lack of aviators, a lack of pilots and Andrew, I have come around to your way of thinking. In terms of the money that they have taken and how this was not planned or prepared for. I understand demand came back sharper than anticipated. A lot of industries have gotten hit with this from the retailers beyond travel writ large. But they need to find a way to do this quickly. And the reason they're cutting this off has to be because they are taking those regional pilots and moving them up very quickly, which makes you wonder about how much training people are getting along. Can you imagine the state of the industry if they hadn't received? Burek. The counterfactual is much worse. Where we are right there doing quickly. And part of the problem was they offered buyouts to all the pilots. That's what I mean. It seems like the right thing pandemic just throw a wrench in so many different. Right, but the issue that I've had, as you know, has been bailed them out in a very specific way that was different than all the other industries and that the whole purpose of those bailouts was to keep people on the payroll. What they did, in fact, was to actually take people off the payroll, which put them in this position. The entire argument, and we had everybody from the airline CEOs to Sarah Nelson saying, give us this money, was to keep everybody on the payroll. And what they did to try to save cash, which I understood why they wanted to do it. But then don't ask for the bailout. By the way, there was also capital available from other from the free.
"dubuque" Discussed on KOMO
"On the evening news. I'm Rick fancier editor Bill O'Neill in headlines, American Airlines is stopping service to yet another city due to a pilot shortage. The latest city to fall victim to the issue is Dubuque Iowa, the airline previously announced flights to Toledo along with a slip and Ithaca New York would stop all we'll see on September 7th. A union reaching a deal with Alaska airlines for a two year contract extension that provides raises of up to 17% for gate agents office staff and cargo loaders. It does not cover ramp workers, the airline is still embroiled in contract talks with its pilots union. A different perspective can often yield better results as Brian Calvert points out even your favorite wine can improve when you look at it from a different angle. Before you pick up your glass and inspect it closer, the angle we're referring to is from above. We are flying as much as we possibly can. With drones comparing it to fixed wing imagery, which is the standard today. And what we're finding today is that there's still a lot more to learn. Vin a culture is Chad Vargas has been flying drones over vineyards for a few years now, and the aerial perspective not only reveals the first signs of problems from the camera on the drone, Chad can actually begin the diagnosis. Is it water? Is it nitrogen? Is it a soil property? Is it disease? Manned drones aren't new to vineyards, unmanned drones. Now that's a different story. Washington state university graduate santosh is testing a different drone for a different reason. He wants to use the aircraft to scare off the wine grapes winged nemesis, starlings, and blackbirds. What we saw is when we were flying drone, a less and less number of bots were moving in and out of the linear 6 on that we are going to experiment compared to when we are not using that role. Right now, he's testing a drone that will detect birds in the vineyard, deploy itself to the flock, scare the birds away, then return on its own to its base. Everyone seems to be excited. So it kind of a something we have to explore more. In each of these cases, drones are becoming a bigger part of an industry, some still picture as someone in bare feet stomping on grapes. The industry has most certainly evolved, and the competition has become fierce, drone technology could make the difference for some winemakers. The key for us with grapes, the better the quality, the higher we can at the higher the return on the bottle of the wine. Brian Calvert, northwest news radio, a bombshell for Washington wine country, our state's most acclaimed winery appears to be selling its wooden ville property como forest Michelle Esteban reached out to the winery's owners. Michelle told me, this is exploratory, and it's because they are shrinking a big part of their footprint. They are putting it on the market and it follows the sale last year to a private equity firm. The listing comes after the
"dubuque" Discussed on Business Wars
"Listen, I need to talk to production as soon as possible. But across the country, another channel has taken notice of hallmark's success. And they want in on the Christmas cheer. It's 2011. Nancy Dubuque paces in front of a conference room at lifetime entertainment's headquarters in New York City. Dubuque adjusts her glasses. In her early 40s Dubuque took over his head of lifetime last year, after running the history channel. She turned that network's rating woes around by cutting back on some of the serious documentaries the channel was famous for, and introducing.
"dubuque" Discussed on Dans La T?te D'un Coureur
"Twitch a dude a massive passive combatant civil every coup ear did you're come in the recreate good concord manhattan new goose on this poor constantly potato matto germany. Her party julia could mournfully for more adopted. Either bill has faulk of knit fail. Lamar don't this toscano dean all pity. Alexis mail armour combo he kabila paluska. W the path for simone. Manila meal of the and i'll just click squad is at. Let's amateur do Commune tone. It ought taken quite more regular. Direct kemalists gonna. Php since he came through security rule mikio komo to twin poem. Give of your body fell. Through and i got to do not as unum. Komo curtis issues used to only leverage from this portion or even does him semana's yvonne. She does have capacity on komo. he could bear won't permit. Only fourteen became the hong to kill could due to move around on wall. Does manner do up. Soon you do hiccup is you do. Is you lou. Legally to suit on asiedu failed vision as biomedical dubuque related deliver a severe before the kids and it could humor apply by pastoralist one from donald trump is at guantanamo beyond was. Were in your plan apart condemned ernest. Maury is what that were kind of conclude more normal montreal bomb..
"dubuque" Discussed on Xtra Xtra Presented By VDG Sports
"Where you can see. This is like the dog where you can barely see visibilities a little bit low. Or that's what my mind is telling me now. You could have been a could have been lighter with. That is what my mind is telling me now. So i'm gonna go with. I'm gonna go witty. Even though i probably shouldn't listen to my mind anymore and we're going to get their peaks. We are definitely going to get there so just hold on a little bit long Hold on get to the spot. Where i wanna make a left. I got my blink of pinkus flashing lights to the right. All the way down is like okay. I think traffic is common c. o. k. I think traffic is coming. Intuition and gut feeling was like just call jess go. Because intuition and gut feelings did calculations the instinct calculations in my mind and was lack down. Distance of the vehicle is far far far far far away because you can tell by a light beam in how in how bright the light is coming from that direction. So that's intuition and gut feelings. They made the calculation suomi intuition and gut feel at the map intuition and gut feel de too hard work for me all do something. That was simple on it to do with something. That was easy. All at the do is just go. Just go but listen to my mom. I ain't even listen to mahar. I listened to my mind. My mind is like i see light. I'm just going to stay here a little bit as i was just there. I just dan in no. This is the jets. This isn't the crossover where you're trying to leave and somebody else's coming in and you walking by you doing to style you like you go left that person go right you go right person go now and then you just kind of get in each other's way and then finally somebody stopped the other person go. It wasn't that kind of to step it. was that kind of mishaps but it was close. It was close. 'cause i'm stop a blink. Amman telling me to just hold up in weight. And i'm just weighed in. I'm just waiting. And i'm just weighed in. I'm just waiting. And i'm just waiting next thing. I know i was like. It's time to go intuition and gut feeling was like nah. You missed that opportunity. Brain was like dan came yet. You don't want to step day. Having came yet you undoing to step so you probably should go in. of course i listened. Stanley i listened to the brain. I turned on out. And then next thing i know dubuque was like all on me and i was like you know what i'm sorry my bad i listened to my brain. I listened to my brain. And i didn't go with the gut feeling i didn't go with the flow. I didn't go my anticipation game. But intuition gut villain telling me digest keep going. Don't stop keep going. You didn't already messed up now. Don't compound the problem by stopping and getting t-bone just keep growing so i listen i listen that time and i just kept going in douma hands up. 'cause you know it's the universal sign of my bed. I'm sorry i listen to my brain. I listened to the hamster. I paid attention to the lights. The light above my head. That is i. Did everything wrong win at the time who the moment. I should've went with intuition. I should've went with gut feelings. I should've had my anticipation game on. You know maxed out level maxed out level. And so i just kept going not turned on out me and my left at in stop because i listened to my gut feeling is dan and i didn't get t-bone i i was okay. Do not just went ahead and made another right and then went down another path. Another street indian. I just kept it moving but long long long story short. I'm gonna have to in situations like that especially situations like that. I'm going to have to do whatever it takes to seeing and dancing g arrive in the morning time because at least outta had going from and leased out had the singing and dancing and making my chest pop in g rod when almost getting t-bone because if i have got t-bone out have been happy out of in my happy place out have been doing the happy dance. I'd be doing all the things that i would like to do. Except the game hit except for being destroyed. Or i could just listen to maya gut feelings. Pay attention to intuition. And keep my anticipate anticipation. Game leveled up about ninety to ninety five percent of the time. Definitely not a hundred. Where's the fun. Where's the fun in that..
"dubuque" Discussed on BiggerPockets Real Estate Podcast
"Of you're gaining so don't be afraid to be overly generous with your invested in the beginning because that's what you need right now more than anything. Perfect thanks awesome. Thank you very much appreciate you and again if you have feedback inside or you say that brennan said some stupid and you want to correct me. That's okay go. Bigger dot com cy. Show five zero five and you can leave your Leave all your thoughts right. They're so awesome. Thanks joe thank you all right luke. Welcome to the call. Thanks for joining us today. Yeah thanks for having super excited nice. We'll tell us about yourself. What do you do hong been doing this for. And where do you at us. Oh my wife and i. We started investing back in two thousand seventeen. Where in dubuque iowa eastern iowa. We basically started with a duplex in a four plex this seller financing creative financing with the bank Had a really rough year but then after that we estimate the decision like go get out so we start scaling up So fast forward to where we are now. Five and a half years later total we have about forty two forty three doors we've done by ten flips tenders couple wholesales in there Really change strategy did a lot of what the podcasts those talks about. that's cool. I mean that's that's pretty substantial. Forty two doors. I how much of that is multifamily. Single family we only have a single family dresses multi from duplexes on up to seven plex. They have a couple of six seven places in the rest. Like four to cool. And you got. You're that like you're in like this. I don't know. I need to call. I name for this and i'll come up with a framework named sunday but like you're in this And maybe i don't know where your problem is gonna come in and out but you're what you're in the desert or you're not big enough yet to be able to bring on all the teams and all the people you need to be able to outsource all your work but you're bigger than just like a couple small. You're that kind of weird award. Call the adolescent phase of real estate portfolio right. You're in the awkward. The.
"dubuque" Discussed on 860AM The Answer
"Absolutely no, there's as you say, but if you reputational hits, and obviously from the standpoint of air traffic management, you know, some of it does look a little creaky, but you know, On the other hand, the system has had incredible growth, and the Max has grabbed a lot of headlines. But you look at it the last decade, you know, and us airspace, not a single death. I mean, that. That's incredible. From air from a transportation stand station. Exactly. You know that alone that alone? Yeah. And that shows that you're dealing with some real professionals here? Yeah. So I want to talk to you about some of these low budget airlines that are cropping up over the past month. We've been talking with executives that United American and Breeze Airways, Dave Neeleman, As you know, Richard is back with Brees, his new airline. He shared some of his ambitious ambitions with us back in August. Do you think Breeze Airways or the other new startup? Avello. Uh, What are your thoughts on these airlines taking some of these routes that the big Three just aren't offering? Yeah, it's going to be interesting to watch. You know, there are a lot of failures in the history of creating low cost and ultra low cost carriers. But the idea of fundamentally is good. You go to the underutilized, smaller airports, typically in the suburbs and well Say Hey, look, traveler, or would be traveler. Maybe if we came to your town, you travel And would you like to go to Florida or whatever. And, uh, Allegiant was one of the great successes with this, you know, get out there and, you know Hey, people in Dubuque, Would you like to go to Vegas this weekend? And, you know, they need a lot of money doing it. Uh, hey, that that's fantastic in terms of total system growth. Uh, Now having said that? Yeah, you can. You can go badly wrong here. Obviously, if there's a double dip in terms of air travel demand. Um, we're seeing that in the business travelers not back out there right now. That's exactly right. Uh, And of course, there could be capital challenges people giving you money. You know, the terms of debt could go up, you know is any number of things that could go wrong, But I You know, I just welcome innovation because it really does get more people into the system. So as you take a look right now we're past Labor Day weekend. Kids are back in school. We're not doing remote learning. Uh, I'm curious, if you you know, and what we just said. The volume of travelers is down. Okay, business travelers. People are not backing offices to the level that we all expected they would be. So that's down. Are there any of the airlines out there? That maybe the I'll say the yellow light, but it could be the red light that's flashing the has you concerned that I don't know? Or conversely, is there an airline? You think right now that's doing all right. Well, you know, it's hard to identify, um, winners and losers because it's really just the U. S domestic market And of course, you've got carriers with a heavy reliance on international for profits, waiting for borders to open up again, and the Most important crucial trends. Atlantic markets to come back, you know, but, you know, generally you look at the you know the Southwest. So, um, they're really well positioned. Um, that's sort of experienced low cost. They're used to dealing with challenges. Um, but I have a lot of respect for Delta. I think they're doing very well given the circumstances. Um, I'm happy to say the U. S market in general for airlines looks like it's going to get through this without any major challenges without any well, I should say, I should say challenge That's encouraging because, as Mary said, Listen, the executives we've had on when we were out in Chicago for stop four. From United We've had on with American and even David Neeleman again. He's back with the airline. Five. Um you know, it will be more to common. Unfortunately, we're going to leave it there. We could keep going with you about the Triple Seven acts because, you know, now we're talking 28 again. So who knows? But Richard thank you very much for joining us here today Live. We appreciate it very much You're coming in when we were planning, Stop five and let's go America tour. Mary and I. We told we were sitting down with our team. We said Richard Aboulafia, We need to make sure he comes in. Thank you. It's great to see in person thrilled. Thanks so much for having me on the show really appreciate. Right now. You can go enjoy the spread that they put out here for your fans. Thank you, Alex for taking care of everybody. All right, folks Up next, we're going to take you to Virginia Wine country. Mary and I took a drive out to Percival, Virginia on Thursday where we were married. We had a chance to spend some time with the owner of the award winning Sunset Hills Vineyard. Stay with us. Everyone. The RM World Travel, Let's go. America Tour rolls on After these messages to join Robert Marion, Rudy, call 803.
"dubuque" Discussed on Effectively Wild: A FanGraphs Baseball Podcast
"That ray like basically bankruptcies family by using a few acres of corn or would have been corn to make a baseball field like that should be just a tiny sliver of the overall land there and it should be like a drop in the bucket in terms of the loss in revenue from the corn. And yet he is putting his his whole family at stake geared. So i've heard opperman complained about that and more in favor of people way over thinking things and do the math. And so this thread here. The user says i started by figuring out the yield in that part of the state dyers ville is on the border of dubuque county and delaware county. They're ten year yields in two thousand ten. Were one ninety. One point three and one ninety six point six respectively. We will call it one ninety four near the border then. I checked what yield looked like in the two thousand ten versus the nineteen eighties. Ten year yield in iowa. This past decade was one eighty two in the eighties. It was one fourteen point seven about sixty three percent. Then he does some quick like google maps work and figures out that the field itself sits on about three acres then. He checked corn prices from the nineteen eighties. Which i don't know how hard it was to take this stuff up but impressive commitment to research. The movie came out in nineteen eighty nine. So we'll look at eighty eight. We know ray wasn't a great farmer but will give him the benefit of the doubt and assume that he could have gotten the best possible price for his corn. Three dollars and forty eight cents so you have one hundred ninety four bushels per acre time sixty three percent times three acres times three dollars and forty cents in the grand. Total is twelve hundred. Seventy five dollars and ninety eight cents. That is what. Ray sacrificed here by Building a baseball field on these three acres. And somehow that almost cost the can tell their farm and the kicker to this thread is that that amount is roughly the price of one ticket to the field of dreams secretary marquette so but it never really made much sense. That ray was really jeopardizing his whole livelihood by doing that now. Granted i guess. This analysis doesn't take into account the construction costs although seemed like he was doing that single handedly but did you have to hire fueled hands till like take care of the rest of his property and maybe it's like multiple years because it seems like a a winter goes by and so i guess you could double this because that part of the field is lying fallow for a couple of a harvests Really there's there's no way to make the math work out to this is something. That's to cause the the bank to foreclose on us but that is probably far from the top of the west of things. That don't make much sense raced. Ghosts come out of the corn. There there goes coming out of corn the invitation to suspend our disbelief was yes hand delivered as it were. I think you're right yup commitment to like real life versus not that movie strong and that's okay like I think you have to suspend your belief to enjoy the movie the better you can suspend it the more you'll enjoy it so all right so we're gonna take a break now. And when we come back we will be joined by denny funt who is a senior editor at the week and he wrote a great piece last week for the columbia journalism review. It's all about sports gambling and the takeover of sports media by sports gambling interests and it's just unavoidable these days. Wherever you look you will see gambling lines. You will see gambling picks. You will see gambling shows that are officially affiliated with leagues including obey just interferes. I'ma be has done a complete about face from no we would never want to be associated with gambling to yes. We will be associated with all the gambling. Give us of the money and build our sports books everywhere. And of course that about-face has coincided with the increasing legalization of sports gambling. So it's not a surprise. But i think a lot of people are wary of this and kind of concerned about where it's leading. What sort of scandals could be in our future here. And i guess i should in the interests of journalistic integrity here just disclosed that the ringer. My primary employer has a partnership agreement with federal. And as far as i know. I'm not directly receiving any of the proceeds of that deal nor my covering gambling or being pressured to cover gambling in any way but figured i should acknowledge it and that's just a sign. I guess of the fact that whatever you do in sports media even if you're someone who knows.
"dubuque" Discussed on Untrained Wisdom
"As if I were one of them. Waffle both owners Alex and Laura Taylor in Iowa. Sometimes I don't compare it to Tiffany's of the Tiffany's of dog biscuits and we have several customers where it's just a normal routine in a life to come in every week. And by these very special treats, for their pets, are fulfillment, slowly grew to the home consumer. Concurrently we started off in small, pet stores around the United States. Get got to a point where we physically ran out of space. We had to move to a new location. It doubled our size in space that point I realized we reached a new level. University of Nebraska loneliness, and AI researcher dr. Valerie Jones. We started coding the interactions and looking at which interactions with treated the device in an anthropomorphic way. And there's this category of greetings. That was particularly important in influencing loneliness. So there was this category of folks who would say good morning, Alexa, good night, Alexa or how are you doing today? Alexa. And that's really relational, right? That's really kind of interpersonal. And there is one I'm leaving. Alexa, you're in charge of birth. Iraq War, Doctor Soldier, and a stroke survivor. John kerstetter, do you have a vision of what you want to do as a doctor? And I had a family of four kids so you get a job wage work hard but interesting enough was enough about the time I was working in Dubuque Iowa, an emergency room, the war in Rwanda. There was a sidebar column and USA Today and it said we need doctors. If you're a doc, which consider helping a call the number. And I said, I have an emergency medicine doctor. I am in the National Guard. Came home and told my wife. Those people need doctors. They're not that many doctors going that are willing and I have the skill or ability and the freedom to go in my family said you better call. That was the same with Bosnia Kosovo. There was a need. So I went Anti ages birthday card, activist Janine Vanderburgh in Colorado. When we look at those birthday card racks, right? They have the it's all downhill off. They have people having medical problems for women. Especially the images are really grotesque. So we're like why would you give a cart like that to a friend and I just started thinking why not you an anti ages birthday card camping? And it really started with Lori just saying, well I've been talking to people about ageism and for the first time ever, I didn't get one of those awful words. Alzheimer's family, caregiving Advocate, Carla halt in Minnesota, it is very private, and it's also showing my dad at a time that in a place that is not dead fast. And so, this doesn't just related to my dad. Whenever I do a story about Alzheimer's, dementia, and long-term care centers, and and just finding one family's Journey. I'm pretty adamant that we show the person to be for the debating because everyone needs just be that, this could be you, this could be, your dad has to be your graphics. Could be so many people in your life that we all started off. And there was a life that they lived before this disease started, taking hold of their person. And last but not least, teen Tech educator for senior citizens. Jordan Midler in New York. Patience is probably the most important trade if you're in a sort of field or your grandparents ask for assistance and I think that I've developed a sense of patience over the years and be doing this. But at the beginning, when my grandparents, my first students, I probably wasn't as strong, the word times rather just just click on the button like it's right there. Just just do it. I think it helps to think in the back of your mind that this is like learning another language. This is very very new to that. They really need this step by step Direction. I think that will help you overcome those elements of frustration. I enjoy talking with each of them and I'm excited for you to hear their stories starting next Tuesday, August, 10th and each Tuesday through September 28th to ensure. You're able to listen to all of them, subscribe to untrained, wisdom on your listening platform of choice. In the meantime, feel free to binge past episodes in seasons. One through four and follow the podcasts on Pinterest at Pinterest.com forward, slash and wisdom to check out all guests recommendations from Iowa City, Iowa, thank you for listening and I look forward to connecting again soon..
"dubuque" Discussed on ELITE University
"That's really good trick but then you go. Yeah that's one dude that this practice old time neil the once put a line which is more than a highlights. Reel but you cannot compare with. It's it's almost like okay. You break records wants on video and then the people think okay because she professional now you can do the same thing breakable record. All the time just live on states on demand with warming up lighting her face right on una cruise ship. That is moving. Yeah easy so one. One thing i i love doing is talking with people. That are some of the best at what they do in the thinking. That happened along the way. So you got a early show just happened into it because it was a a neighborhood barbecue and you got positive reinforcement. That was funny like i. I enjoyed the way that was that was kind of fun. So you still do shows win. Is it that you start thinking. I should go for a world record. Was it purely business. Based if i have a world record it'll be easier to sell the show. Was that more pride. I know i can do this in. Nobody else has what what was it. That was behind the first thoughts of getting a world record. Yeah so. I was booked in china at the expo and then i was like i really liked it. What would make it easier for you. Though was the agent. I ask for you to get me back soon. decline this kind of cool and he said well have you ever world records. It will make it a lot easier to sell. I was like okay. Sounds good and then. I went to guinness records. The and i just looked it up in so many different categories and there were a couple of categories. There were tricks that already had show so. Those tricks has been already practiced for a long time. So that was done was doable for me to break those. So some of those records some more proud of like more like more like for example. The shakeups like them. I have directed for most amount of cups ever juggled which is a type of jogging. You don't see that often because the cups they're very very difficult to get the proper In they're very noisy so nominee. Joggers do it which is good for me because now i'm one of the best one in the world's with that particular object and you have something unique so then venue if they Dubuque jogger every year than the At work in a venue but also of course they want something else. If the same people come to show every year so then if you can do an act with the shakeups which people still immediately identify is gentlemen but then they have never seen it just makes more sellable so those records like the school would also people with as they said. What's the most amount of objects you've ever juggled the sand lake people. I think they have tennessee. Human nature to go for the fastest. The most the biggest. That's just a world record set. Everybody cares about so you have those world records. That's yeah that's that's cool when they have mater that are categories in guinness world records. Have you go okay. Cool with not like the platinum records it in a way you were already world class. You just hadn't gotten the stamp of approval of saying they recognize that. I can do this just funny because if you go to a random group of people who wants to see a magic show. There's a certain amount of people that just like the magic show they go. Yeah i wanna see it but juggling. Nobody has the damage. They like it when they see a done. Well but i just have never really seen it so this difficult thing. There's some street performers maybe. They're not that rich..
"dubuque" Discussed on Talk Python To Me
"I know the real os. I can navigate to another folder this way. But now i'm just hitting sitting up over and over again and you know things you know. They just it's nice to have it native agree. I feel your pain. Yeah so to like for example. Open file dialog. You create a context manager and you just say with remember the exact command but you give basically the the file description and file filter and you say opening just check to see if they hit okay versus cancel and then you you work with it in the within the context all the debates python dialogues. And i think maybe even the frames using them as context manager to open and show them. Yeah it would make sense if you wanted to create the equivalent of a modal dialog. But i'm custom one that you create. Put that in with blocks here right without work if you inherit from dubuque style. I believe it will yes. Okay super neat. Do i guess you probably have to learn your class hierarchy. It sounds like this drives from frame. That one derives from dialogue and jhelum. There's a learning curve. Yes but once you've got the top level widgets figured out which are framed dialogue and window and you almost never use window. You're not too bad. Yeah all right another one that you built was the database viewer based on sequel me object list view and so on and us about that though actually read this Example longtime ago for my blog. And then i updated it. For my book. I've always liked sequel alchemy and i realized that create a sequel alchemy model class. And use it what python because they have a third party widget called the object list view basically matches a model in sequel committee. Almost exactly can kind of combine that you classes and make them work together in a way. That's kind of what i did. I just made it so they could open up a sequel database in the book. You basically see the tie. The tables and then click on them and get the records or something like that. Yes things either records. I think i made it. It can edit at the records to. Or maybe i was just on my blog today. Yeah what would you do that. Show is basically the excel looking. View view deb's python has its own native widget called wrx list control and object list view is kind of a wrapper of that at which it makes it a lot easier to work with in my opinion. Yeah what about animations meno. That doesn't have anything to do with the app that we're talking about but is there some sort of support for changing the screen or a minute. Put something on the screen. Like i wanna build a dashboard. That is may be looking all the analytics on our system. Minute updates wants a second. How easy is that to know if you're talking like a graph a graph even if it just has numbers like here's the current flow rate of such and such are the number of users on the site versus like minutes of video watched today up-to-date by the second the mike. Yeah you have a couple of options. Widgets has a. I believe it's called a device. Context dc as a couple of variants of that you can use it basically draw whatever you want. And it's the basis for creating a lot of the custom widgets. The dave expi- demo. So you could use that to like dry any custom widgets you want. i see. She's given like a rectangle or wherever in your go crazy at withdraw commands on it. Yes all the alternative is that Debates breath python supports matlab and can embed it easily and it also has its own pipe lot library though it can draw them without map part lab in itself though. Both of those are also options. Yeah very nice. What's the external like super custom control. World look.
"dubuque" Discussed on ResearchPod
"It between two muros and to win the fuel beams generated by x if medium. it approached the bureau. It's reflected but if it's reflected along its main xi's as it can be many photons speech goal note along this nexus. Xavier will be just reflected outside of this of this lesser resonator. In disappear so often few inflictions he'll be only in the beam photons which go in the same direction this same played by social networks by so-called chambres so her chambres also reflect all this action speech are not in this mainstream and finally this is just one direction of social actions this which i call social lesser it this interior section of people who are considered a social atoms and who is the field field. This information feud information. Few genia rated by i must media and social networks. Would it be too controversial and may be too big a topic to think that a echo chamber a resonator in this example if we have the theory of how people's expectations comes about through social networks through media. Can we target something with that. Is that social engineering at that point. Yes i send social engineering gordy dubuque in this direction Of course people who do this don't Declared as a date construct social laser but more or less all these principles are used in historical him very often social movements and evaluation were created in this way but now this is became very easy so because nowadays you have internet and the social networks so this same speech before for example bump social energy it could take many years of propoganda and sewn and so on meeting sense own now it can be done in a few hours because people are coppola to social network. Say immediately react to some news and this newscast generate energy in this airway because people Also coppola to this chamber. It is very easy to make concentrated use in one direction. What is really important at this lows of. I can say quantum information series should.
"dubuque" Discussed on Speak For Yourself
"Of the weight all of the issues. That come from failure coming up k. d. my dog likes debts are headed. We'll tell you. Katie has built a good culture in brooklyn. But i the sons are in the final right. We'll tell you chris. Paul for devon booker deserves credit. That's next splodge. Getting recommendations from your friends for that perfect diet might be a big waste of time. To real answer is already within you. Genes what are the best foods based on your dna foods. Have the nutrients that you need. How quickly do you metabolize caffeine and alcohol. Don't guess use the code. Speak for yourself for twenty dollars off. A gino pallet. Dna kit find out how to eat for your gene. Chris paul is making his first trip to the nba finals. After sixteen seasons in the league cup you see p. Three capped off the western conference finals with a career. Playoff high forty one points but he has not done it alone. Backward partner devon booker happened more than twenty seven points per game in the play. Offs joined by slick rick dubuque. Nba analyst marcellus. You i got more credit for the success. Is this ep. Three devon book was devon booker. We got to give it to the better player of the two and is devon booker. didn't see p. Three joined the phoenix suns to play with devon booker i think. Cb three through his actions already told you we should give the credit to as great as c. p. three is future hall of famer all of that. He's now in chase mode in terms of he's connecting other stars younger stars you we get it versus the alternative where they're trying to connect with c. p. Three sons of ten and two postseason when devon booker scores twenty plus points which includes two wins when. Cpi three didn't even play. Oh i remember those games. yeah do they. Were against my clippers. All right and i love me some. cpi three. Y'all know that. But i do my job. I love that more. They started off the playoffs this year with. Cpi three and five of the first six games less than ten points. So you know what what drives this situation for. The phoenix suns in terms of ball movement. Turnovers points per game. Field goal percentage all of those things where spiking even in cpt threes absence because devon booker was still on the court with the mass without the mass. Whatever it was devon booker was the centerpiece of this team and the driving force so in this conversation is pretty simple. Cb three totals as soon as he joined phoenix suns. It's about devon booker. So i like you're taking you are correct c. p. They wanna go team with book. Auto book was a static ecstatic to see him there for the reason. It is c. p. Three and the reasons he three is more reason for the success is very simple. If you're ever looking to prove something particularly in court but also in life you wanna look at someone's track record right in court. They'll try to prove your credibility. If i can prove that slick rick once stole a piece of bubble gum from a grocery store then slick rick as a person who just committed grand theft. Because i'm looking at his track record if you look at c. p. threes track record. What does this track record. When he shows up on the scene to a new team he always instantly makes that new team better. We took the c. p. three affect the hornets before. Cpa three they improved by twenty percent. One percentage the clippers. They improve the rockets they improve. When percents thunder they improve their one percentage and obviously the phoenix suns. If we ignore what he did with the sons. Cpi threes track record. Shows us everywhere. He shows up the team instantly improves. We don't have to look far and we don't have to search very long so to understand c. p. three always does this now if we look exclusively at the sons for current was there last year we look at the size. Bridges was there last year. We look at the signs eight and was there last year so unless we want to attribute the major success to our dog. Three in d crowder c. p. Three has to be the reason. The sons have gotten so successful. I'd almost go off the board because watchos argument is so convincing and goes along with what i believe that i want to say monty williams de'andre and just to make this otherwise once again. Our man might get crushed here. Look and i'm not gonna go to last year. I'm not going to go to the fact that they never had any success. Never even made the playoffs until chris. Paul showed up in town regardless of what drew him there. The fact of the batter is he saw that he had the pieces in order to orchestrate to do something special. That was the attraction. But if i just look at what has occurred in this series and in the playoffs overall. It is chris paul without question chris. Paul is actually shooting a higher field. Goal percentage then devon booker. He is shooting a higher. And this may surprise you. Three point percentage in the playoffs then devon booker. The one thing that devon booker does for this team is he scores and yet he had four gains where he shot less than forty percent in this series and three games in which he shot fifteen percent or worse from three point range that is his primary goal of talent contribution for the phoenix suns. Yes chris paul has had some off shooting nights yes. He missed the first two games but he has consistently in this series and throughout the playoffs. Been what you asked him to be. Which is your playmaker and inefficient one. Four to one assist turnover ratio in this series five and a half to one assist turnover ratio in the playoffs overall. So when i look at what the to contribute and getting back to my original point like i don't believe it's just one guy that deserves credit credit monty williams deserves credit john. Dri eight deserves credit. There's been a lot of contributions. But if i look at who's at the top of the chain it has to be crystal man. Look i don't want to rob chris paul his credit as well. Because it's amidst. I don't wanna go there but just to have this binary discussion. I'm side with devon booker and to get over the hump as you guys keep focusing in on you gotta get to to home and this team got to the hump before chris. Paul even join his team. Don't forget in the bubble last year this team going eight. No part of the reason why. Chris paul wanted to join forces with all this young talent especially devon booker. It's because he realized what this team was. I know let me see told face to all that. You're always cracking on with the asterisk. I just wanna make sure we're talking about talking layers taking double and now it's meaningful. Where before with the lakers wasn't so meeting. I just wanna make sure we're on the same team meeting for the lakers. But it's more meaningful for team as trying to build something. And that's why i want to see all your faces here. I am not trying to haas. I right now. I'm not trying to express my fluids but if you've ever built a house before from scratch plans in from the ground studs up pool. Don't forget the custom pool. Oh you gotta had a with your name at the bottom. That here's the thing you gotta focus in on the lumber. But so i want to focus in on the finishes now everybody can come in and say oh. I like this right here. Oh i like that saying okay. That's cute but to know what built this foundation is the boring parts as always tell people everybody wanted to go to the parade but nobody wants to build the floats and this is a situation where debit bilko was there. Hammer nails building afloat float while the audrey eyton was taking his time to become a great player. Now they're here. We add the finishes. Which chris paul nice sink. And then everybody's like look at this house for getting about all the work they put in before. That's talking about devon booker right now. Because they got some finishes too nice ones well. Devon booker is fourth all time in postseason history in this first time in terms of points per game scored think.
Wil There Be A 2020 Season For The Dolphins
"The Dolphins just had their first player opt out of the season, the wide receiver Allen Hurns decided believe he's got a baby on the way. And so there's There's reason why players decided not to play this season question is that we're gonna have a year it all well. We're pleased to be joined by a Mondo Salgueiros of Miami Herald columnist covering the Miami Dolphins, the NFL The author of the upcoming book 100 Things Dolphin Fans should know and do Before they die. I will be out on September 8. And you follow him on Twitter at Armando saw Gary Marty Armando. Good morning, Jimmy. How are you, sir? I'm doing pretty well, my friend. I hope one of the things in your new upcoming book 100 things to do before Dolphin fans need to Dubuque and no, before they die is Actually being able to watch a dolphin football game in 2000 and 20. Do you think that'll happen? Well, I believe that there will be ableto watch a game or two or five. You know, at the beginning of the season, I don't think that's the major challenge a cz we've seen with the other sports. The launch is possible and the launch is often successful. I don't know about the landing. And the reason is, obviously you know, no one can for tell what the situation is going to be around the nation in December. In January. We don't know what we don't know. So I think that it's pretty fair to say that the NFL season will we'll get off on time. The Dolphins play the New England Patriots on September 13th. And I'm pretty confident that you know that game will will happen. But if you're gonna ask me well, will they be in Buffalo? Ah for the final game of the season in January. There's no way I can tell you that. You know, it's a tough call right now. I mean, you look at the Marlins and now what happened there and lower matter where they sit around in a circle or something. What were they doing? It's just discernibly. Um, are you allowed out there our mother or the the beat reporters a lot out there or not at this Att. This point during the acclamation period, and that's what they're going through now with strength and conditioning and walk throughs. The teams, or at least the Dolphins have not opened there. Their practice field and facility to reporters. In August, August 17th when they actually begin padded practices. Uh, you know, the field will be open to us. We will be able to see And watch the practices from the stands. You know, while they're on the
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
Sisters in Travel Nursing
"Right everyone welcome back to the wall med, Lauren rush in Chris acquired. No are joining me today. They are to travel nurses who are about to be sisters in law. sister-in-law's. In law I, think that sounds very They hear currently working side by side in New York City during the pandemic I love this dynamic, and I can't wait to hear more about the relationship and experiences working in the thick of it in new. York City. Time for that Nurse D. Energy this week nurse. D. Energy moment comes from et clobbered. Khloe rates in Heiden, Yo I have an end e. I'm a registered respiratory therapist, but I love listening to your podcast I've been a fan since you and Danny started. So I'm a pedes. Nikki, respiratory therapist, and I recently just finished my Nikki transport team training and went on my first transport by myself. Thanks for inspiring nurses, and all women in healthcare to go for their dreams, and for creating a supportive community. Thank, you, chloe! That means so much. This was a huge leap of faith and I'm so grateful to all of you that tune in to listen. I WANNA give an extra shoutout to all the RT's out there we would not survive or have as much fun at work without you I love our RT's. First off I just wanted to start with mid West. Represent you guys might be the very first guest ever had on the pod that have heard of. Well I shouldn't say this to serving, but have you heard of the Turbo University? Yes my cousin went to school there. He played baseball. I knew it i. knew wouldn't let me down. Yes, that's where I want to date I know. I was like there's no way she doesn't. She has not heard of the Turbo University. I always remember that like from your podcast like I'm like? Oh, my Gosh! She's a Wisconsin I'm from Iowa, but like Barros will like what part of Wisconsin from I'm from Dubuque. It's like Oh. Yeah, fish hours away from like lacrosse areas. Oh for sure cool small world. Yeah! I know I was very excited when I read. y'All's BIOS. I was like okay. Yeah, yeah, we're going to be cool we'll be. What are the odds? I know no one's ever heard of a turbo, so I was like? These girls will then very happy. It's funny, 'cause this is this. This is like more detail than we might need. But Lauren and my brother met at my cousin's wedding. and my cousin is one that went to the turbo. That's Kinda of funny. Robert Related to it. Oh. That's so cool. Like go over like the how we met like their wedding like I was I'm best friends like with his wife. Now like we'd go over to Lacrosse till October passed every year oem. You both from zero all the time. They're. Real. That's awesome. Yeah, okay, so going to back up just a little bit. You guys are going to be sisters in law, or is it the sister-in-law I don't. I was like. Sisters in La La at Yeah I'm not quite sure how to say it. Yet to master in law I think is how you say it I think. Yeah someone, someone will correct us so. But that's awesome, so you guys are on assignment currently in new. York City right now. Right and so you guys touched on it briefly. But how did you guys mad at your cousin's wedding? So we met so I was a bridesmaid in my a now fiances. He was the best man in that wedding, so we never met each other. And that weekend we were both in the same wedding, and like we just kind of hit it off, and then the next day might not Nancy was like Oh. Do you WANNA come to the brewery like I'm going with my sister? Who is now Harissa? And, so we went to Berry dislike an hour down the road and our dislike. You know chatting and we all hit it off really well like. That I so awesome two years ago, yeah! That's amazing. I'm I'm very jealous. While will be my sister-in-law for very much longer thankfully. But I I really was I. I'm very jealous that you guys like love and care about each other. This is this is great. Yeah. Super being out here together for sure, that's Oh. Yeah. So I love talking `bout everyone's backgrounds in nursing What made them want to become a nurse? And like what kind of path they follow through school? So would you guys like to? On that at all. Yeah definitely. So! I pretty much knew think it was like when I was a sophomore in high school. That I wanted to nursing All the science courses really fascinated me, and then I did see a horse like through our local community college, and I just loved the aspect of helping people and like working in healthcare, so then in college like I had planned to have a major be nursing and I discontinued on love with college then. Yeah now working in the field I can't imagine doing anything else. Yeah it's definitely like the most rewarding job I could ever ask for. It's awesome, but you. Yeah. It's Kinda funny, hearing or story because I like mine's very similar and I didn't really know what her story was I. Always wanted to go into the medical field since I was little because. For the same reason, science courses always were interesting to me and. Social Studies geography were like lame so. I always gravitated towards that kind of thing, and actually did a like mentorship program in high school where I got to shadow some people in the healthcare field like x ray technicians and doctors and. Nurses and things like that and that's when I decided to become a nurse. And went to school for it so. I also was a CNA to in high school so i. Got My CNN a community college, too, which is Kinda funny.
Iowa city has clever solution for flooding problem
"Dubuque is the oldest city in Iowa but when John Dean took the city council on a trolley ride ten years ago it was not to admire historic sites. They looked at Ollie's. Deans does a civil engineer for Dubuque. He wanted to show the city council how to repay the alleys in a way that could help. Prevent flooding in nearby homes and businesses says the city faces increasingly heavy downpours midspan wreaking havoc in areas of downtown so the city council decided to start repaving. It's old alleys with interlocking concrete pavers. They look historic but have a modern twist tiny holes that allow water to seep through into a layer of crushed stone. And that's what holds and stores that water and then slowly releases it. Dean says that after the first six or seven allies were completed. City residents began calling and they said. Can you fix our alley and you make it like once. You guys are doing downtown. And so we some momentum and we started getting interest. Dubuque is now reconstructed about eighty alleys and plans to finish more than two hundred within the next twenty years. That's expected to reduce stormwater runoff from the alleys by eighty percent helping prepare the city for the future while maintaining its historic
Iowa caucuses 2020: Candidates make a final, frantic push before caucus night
"Most of the democratic presidential candidates are in Iowa this weekend making a last minute hitch ahead of tomorrow's caucuses Bernie Sanders Elizabeth Warren and Joe Biden held big events and peers as a whole it has more from the book Dubuque Iowa democratic candidates are on a final sprint across Iowa ahead of the caucuses Monday Bernie Sanders has been holding mega rally some of the largest events this campaign season Elizabeth Warren also held a large event with an estimated eleven hundred people and an overflow crowd Joe Biden for his part has been holding a more stately solemn events focusing his closing argument on his record his resume and his
Release of major Iowa poll scrapped after Pete Buttigieg's name 'left off survey'
"Voters are about to give America a first glimpse into how they feel about the democratic candidates for president the crucial Iowa caucuses happen tomorrow morning registering CNN sponsored a final poll of Iowa Democrats but we will never know what it found because an official explains it appears a candidate's name was all made it in at least one interview in which the respondent was asked to name their preferred candidate Wallace appears to be isolated to one survey or that could not be confirmed with certainty and the candidate whose name was omitted apparently because of a technical problem was booted judge according to the Buddha judge campaign Sox's Peter to see in Dubuque
Democratic Presidential Hopefuls Hit the Campaign Trail
"Many of those in the crowded field of Democrats running for president in twenty twenty we're campaigning on Saturday. Here's USA's Chris Barnes. With more. Bernie Sanders was an Augusta Georgia where he said of President Trump thinks that one eight another group. Get reelected. The Donald Trump. And at a rally in Dubuque, Iowa Pete, booted said of constitutional reform. I think we can look at constitutional reforms to do things like citizens, United and take money out of politics and former VP, Joe Biden, told her rally in Philadelphia. He's offering Americans what he calls a different path in twenty twenty
Bernie Sanders: Trump's Hate 'Ain't Gonna Work in 2020'
"Many of those in the crowded field of Democrats running for president in twenty twenty we're campaigning on Saturday. Here's USA's Chris Barnes. With more. Bernie Sanders was an Augusta Georgia where he said of President, Trump thinks that one zero eight another group, they can get reelected, don't like like some some bad bad news news for for Donald Donald Trump. Trump. Twenty Twenty twenty twenty and and at at a a rally rally in in Dubuque, Dubuque, Iowa, Iowa, Pete Pete Buddha, Buddha, did did said said of of constitutional constitutional reform. reform. I think we can look at constitutional reforms to do things like end citizens, United and take money out of politics. And former VP Joe Biden told a rally in Philadelphia. He's offering Americans what he calls a different path. In twenty
News in Brief 16 January 2019
"This is the news in brief from United Nations, we need to dramatically accelerate our efforts if we don't want to fall further behind in distrust against rising, inequality and other global challenges. The UN secretary general said on Wednesday speaking to investigators from around the world in New York in this fast-changing worlds, standing still means falling further behind and on seek. He twenty percents challenges we need to dramatically accelerate our efforts in twenty nine thousand nine quite simply we must put our pedal to the metal and tiny will tell presented his top five priorities for two thousand nineteen diplomacy for peace ambitious climate action acceleration towards the sustainable development goals or SDG's better governance over new technologies in stronger, UN values worldwide D went she called for deeper efforts to show that we understand people's anxieties fears and concerns into address the root causes that lead people to feel marooned. In our rapidly changing world, here's missile cocktails again across these work across the world. What really matters is people we the peoples and what guys says he's a set of values. Universal values of the United Nations. Charter that Baynes us together, peace Justice, human, dignity, tolerance and solidarity today. Those values are under attack around the globe. Many countries are failing to protect and promote the interest of all their people UN's High Commissioner for human rights said on Wednesday in a special meeting of Human Rights Council in Geneva to review progress on achieving the seventeen SDG's by twenty thirty Michelle Basch lane sister that overall we are not on track to meet its ambitious aims the twenty thirty agenda is a commitment to achieve greater international cooperation for more equitable international order, but above all is a promise. Extended to people previously locked out of development. The marginalized this empower excluded communities, the millions of women children and youth racial religious and case minorities indigenous people migrants persons with disabilities Roma and the poor. It miss specially side, one of her predecessors UN rights chief Mary Robinson echoed the need to address widening inequalities insisting that wealth and opportunities were increasingly concentrating in the hands of the few. She added that such Equality's create winners and losers serving to catalyze, social unrest. Deepen divides increase in a for beer, all major concerns for the realization of rights in staying with you when you mean rights office, or which H R it warned on Wednesday that at least eight hundred ninety people were reportedly killed in western Dubuque Rettig Republic of the Congo last month. Human rights reports suggest that the massacre happened between sixteen and eighteen December in four villages in the territory my endorse. Dominate province in what appear to have been clashes between the Banu in baton communities in a statement UN rights chief condemned the shocking violence in highlighted the importance of investigating in bringing the perpetrators to Justice. Michelle Basch Lee added that it is essential to ensure Justice for the victims of these Riddick attacks. But also to prevent new episodes of intercommunal strife into address the anger in feelings of gross injustice that may otherwise lead to repeated cycles of violence between communities and U N news.
The Stone Goblins of Norden written by Jess Judd
"Get a guy's ready to hear a story. I'm super excited to tell you this story because this story with actually requested by Kinton from Canada. Now, when he made the request, he was five, but it was a little while ago said Kenton if you have since ten, six, happy birthday. And I'm sorry that it took so long for me to this story. Kenton Ossis for a story about mining quences. And after a little bit of debate, I decided to go for an old school fairytale for you. Then it's a little bit longer the now normal stories and it gets a little bit scary, but not too scary are really hurt, pielach it, and I really, really enjoyed writing it. So this story obviously is written by me and it's cold. The stone goblins of Norden hype, you lack. There was once a great mountain. One of the tallest mansions in the world not only was the mountain very toll, but it was also very wide and very deep so tall and so wide was the mountain that it stretched from one kingdom in the north down through to others and finished in fourth kingdom in the south, the kingdom's that surrounded it when Nordin, sir, est- and oust. These full kingdoms Austin found it difficult to get along. For example, the people of northern code, the mountain, Deb those from sir, coated non Tanna. The estimates coded lamb Tiga and the people of aalst cold mountain latte, Montek ni in the past. They had been great wars fought between them all for the time. Being however thing. Things between the kingdoms, painful and time wanted along quietly. The people went on with their lives. This story is about one of those people and his name is William William lived with his mama and Papa right at the base of Dubuque in northern his Papa was a coal miner and every day he would get up early with the sun, eat a big wreck vist and then climb up the mountain to the mine because Debbie was so very toll, and they village was so very close to it. The sun only shown in the sky until just after the middle of the day, after that the sun would slowly dip below the very top peak of the mountain and the day would get Dhaka and Dhaka. This meant that the knights were very long and cold Williams. Papa was always careful to be home before the sun was completely behind the mountain before the. Shadows took over the country. Everyone who lived close to the mountain, knew that they had to be home before it was dunk. There was an old legend about the starring Kubota the stone goblins creatures who lived in the mountain that would made of rock and covered in moss. And if they found you on the Manton after doc. Well, let's just say you infra some trouble because of the stern goblins each mine had assembled spotter a man whose job it was to seat outside the mine and watch for the moment. The sun touched the very tip of the Tolleson peak of David. As soon as he saw this happen, he was to blow his horn into the mind, which was the signal for the men to put down their tools and begin the journey down the mountain to their homes. Willem his Papa said to him one morning before kissing him goodbye and making his way up the mountain. The king is coming to inspect the mind today. If you come up and seat in the forest by the road, just before the morning break, you'll be able to see him and all of his nuts rod by Willem smiled. He loved seeing the kings nuts. When he grew up, he wanted to be not. His mama told him that he would have to work very hard and be very lucky for that to happen as the king only took the bravest and kindest of his men to be not. But Willem was determined one day he would be a not. Not as he still had
Trump, NPR and Ted Anthony discussed on Morning Edition
"Local member, station by, name This is NPR news Ahead on, morning edition for Tuesday you'll hear a story about rethinking the practice of solitary confinement for inmates the story. Out of North Dakota more about that on that, story on morning, edition as it continues we'll get the Traffix story two from Ted Anthony and just a. Few minutes right now today's weather pretty much the conditions remain the same that we've seen the, past couple of days sunny skies for the bay area after some morning clouds and patchy fog do watch for the clouds though to hanging hanging around along the coast through, the day highs today the low sixty s along the coast through the seventies around the bay into the low nineties inland and for. The southern Sacramento valley a sunny day today with areas of smoke through the day is between ninety. Two and one hundred they predicted high for the capital, city of Sacramento. Today ninety six degrees I'm Michael state the time it. Is nineteen after four From NPR news in Washington I'm Dave Mattingly Afghan officials say a roadside bombing in the west. Of the country today has killed eleven people aboard a passenger bus in the east militants have launched. An assault on Jalalabad Afghan officials say gunmen stormed a, government building and. Took hostages after a suicide. Bomber attack the front gate Iran's, president is expressing skepticism over President Trump's offer, to meet with Iranian leaders as NPR's Peter Kenyon reports Trump says he's willing to do so without preconditions president Hassan. Rohani says a country that breaks its, promises a reference to Trump pulling out of the twenty fifteen nuclear agreement cannot be trusted and further talks Ronnie also says. Tehran will protect its right to export. Oil a vital economic lifeline at a time when Iran's inflation rate is soaring in the currency rapidly, losing value, to history professors. Are resigning from university of Virginia think-tank over the appointment of a former, aide to President Trump has caused Spencer with. Member station w. c. v., e. reports Mark short is also a UVA alum the resigning professors point to Mark Short's, history of working for such conservatives. As former marine Ollie north the coke brothers and, Trump nevertheless short remains on track to begin a one year fellowship on Wednesday UVA's Miller center Short worked as the president's legislative affairs director I'm Dave Mattingly NPR, news in Washington On the next fresh air you want a husband will take a. Bullet for you not one who points to the attic and says they're up there Tony. Shalhoub has been nominated for an EMMY for his performance in the Amazon comedy series the marvelous MRs Mazel shalhoub also starred in the TV series monk. And the film big night join us It's fresh air, one o'clock this afternoon and again this evening, at seven here on kqed public radio I'm Michael state help you. Have a nice safe trip to your place of employment this morning let's see how smooth. It is at this hour here's Ted Anthony Wright in. A good morning to you Michael will head over to Pittsburgh. Westbound four near a railroad just getting word of a, two vehicle accident which may have the right lane block CHP. Already headed out there San. Jose hit and run accident right shoulder McLaughlin avenue on ramp and northbound six. Eighty and we still have this situation in south San Francisco the point boulevard Dubuque. Avenue on ramp to southbound one zero one remains shut down this from a big rig action which happened late last. Night and it produced an oil spill so the cleanup there continues now we're. Hearing maybe. Seven o'clock this morning when you have that. Ramp reopen I'm Ted Anthony for Ted's update brought to you by. FEMA and the Ad Council I'm Marco werman PR is the world brings you a global. Perspective on the news with a worldwide network of correspondents you meet people at the heart.
Trump, Rod Rosenstein and European Union discussed on Phil Valentine
"Pamela furr with your top. Stories on board Air Force One commerce secretary Wilbur. Ross says the Trump administration is still looking into the possibility. Of tariffs on auto imports from European Union countries the President Trump will hold off from imposing. Anymore trade penalties for now, and, a job training event near Dubuque. Iowa President Trump says his meeting, with, the, head, of, the. European Union yesterday helped America's, farmers, we just opened up Europe farmers you're not. Going to be Trump You were you were essentially, wouldn't, you say they were restricted from Barriers that really bad at a possible for farm. Products to go in one of the leaders of, the, conservative, house freedom caucus wants to be. Speaker of, the house Ohio Republican Jim Jordan made. The announcement today majority leader Kevin McCarthy is also, running, for speaker assuming Republicans retained control of the. House, in, November's midterm elections McCarthy, has been endorsed by retiring speaker Paul? Ryan, speaking of Paul. Ryan do I support impeachment of rod Rosenstein no I do. Not I. Do not for a number of reasons I it takes I don't I don't think we. Should be. Cavalier with this process or with this term number one number two I. Don't think that this rises the level. Of high crimes and misdemeanors so I really high standard eleven house conservatives accused Rosenstein of failing to provide information that they. Want, to see two house committees congresswoman and GOP candidate for governor Diane black is, breathing a little easier today after a man who threaten To kill, her. As, behind bars when. Ask on Fox News if she could speak. To the. Details of. The phone call threats congresswoman black said I can't accept that I can tell you they were very serious and they. Were threatening enough that they concerned the police and, listen, thank, goodness that we have police officers. Were there, to investigate that is the latest news. Brought to you by the taste of the coast, from, the Genesis diamonds WGN traffic center Austin looks. Like, people, are slowing down the, rubber Nikola earlier accident here on sixty? Five, northbound on the. Ramp to four forty that's been rolling slow from the last. Hour so. You're on sixty five pounds ramp to four forty already busy out here on the south. Loop the. West loop and sixty five north of town on commander Chuck traffic every. Ten minutes every morning on super talk. Ninety nine.