31 Burst results for "Eight Hundred Number"
"eight hundred number" Discussed on Poker Fraud Alert – Druff and Friends
"May maybe there'll be in vegas time it'll be easier than they will go over to some of the hotel and the comeback to caesar's whatever it is it's very easy to have more than three reservations at at Just for the world series alone but this affects a lot of people are not. Why should this be. Why should it be if you have more than three reservations that you cannot get your own rate that it quotes you because it will quote you that rate then you attempt to book it ended. It'll say nope you have too many reservations in. We're not letting you do this. You have to take the prevailing rate which means the highest rate. Now you may say well. That's just their policy. Who am i to question this. Is that what you're saying. Okay well you may say that but let me give you an answer. That's not their policy. Their policy is actually five reservations. Not three so. Why should the website keep three with. The actual policy is five and guess what. It's five with an asterisk. The asterisk is if reservations number. Six seven or eight are during the world series. They will make an exception for you. And this is official. Caesars policy that they've told everybody to make exceptions to this five reservation thing if the additional reservation during world series time. Exactly for the reason. I said that the world series is long and a lot of people make multiple reservations during that time period. So with all that said why should the website and app restrict you to three reservations. At the rate that you have earned answer is it should not. It's a stupid thing they have. It's a stupid united. What happens if you call the eight hundred number. Do it over the phone. Well we're about to get to that. So i establishing why i have to call the eight hundred number. Why don't do.
"eight hundred number" Discussed on Handel On The Law
"Number. They've been billing we every month for the phone The phone line. And i got. I made a complaint to the pc. I got a call back from the office of the president of. At offering me to pay back the last two years of service that i've been paying them every month but that's it. The phone number is no longer mind. I did not release the number to them right. Okay so Yeah i understand all right. So they're just refunding the amount of money that you pay. That's their initial offer. Now you have to look at your original document when you got the eight hundred number. There's some paperwork there when you made the application and do they have the right to rescind that number and take it back under those documents or is it yours forever. I don't know the answer to that. They may or may not have the right. And i'm assuming who the hell keeps information like that. And i don't know when you got that number ten years ago pacific bell so good luck finding that original contract. Nobody in their right mind would ever keep that so. I'm not gonna yell at you for not having the paperwork but why would start negotiating back and find out the gift to do some research. Do they have the right to take it back. That's that's that's the first one. And i certainly that sorta changes everything. If there is no language about. I don't know that interesting. I have no idea where i tr- where i'd find that information. None but without that you basically are both up in the air. You're saying it's yours. They're saying no we took it back. Are you gonna take are you going to take. At and t. court. you're not gonna. You're not about to do that and hire a lawyer and by the way what you get if you win you get your number back. And where's the lawyer going to get the money you know. How does the lawyer get paid. So i it's going to be difficult you're going to have to. This is not a legal issue. You're going to have to sorta worm through it and just keep on going with the puc and just find out where you go it. Just keep on the complaint while you're negotiating with The president's office of at and t. You keep going just totally forward their complaint. You'll probably end up getting more money. You making your phone. Call your phone number back for all. I know luck or not so good. All right we shall return. This is handle on the law..
"eight hundred number" Discussed on NoCo Now ? 1310 KFKA
"I know i know a plethora of agents i really do. A local agent is is your ace in the hole. If you're if you have a claim and you call your agent's office and you say i've had a claim and the person at the office says well here's this eight hundred number call that you got the wrong agent. You have the wrong agent. I know a lot of agents that will take that they understand the pitfalls and they've been through the process multitudes of times. I know a lot of agents that will step up the folks out of jane. I'm trying to say that. But their local agency they actually care about their insurers. The claims departments do not anymore. You become a number and then these adjusters to to their benefit. I actually feel sorry for most of the adjusters. They hate their job. They know what they're doing is wrong with. They have their bills to pay. We have we have local adjusters. Who feel sorry for him who to save their jobs. Followed the company to sending people to the drp's and they have to write inaccurate estimates. And they come to us. And what's interesting about that and we don't have time reasoning. The reason that all of these this stuff happens is is profit motive. They statistically no. And i'll throw out my. Cpa words here they. They statistically know how many people are never going to get their vehicle repaired and who are not going to go. How many people are going to go direct repair shop and they try to. That's their push and not on that. And how much they save statistically they know if they go to a direct repair shop. The repair will cost x. Because they'll give them parts discounts they'll use lower quality parts..
"eight hundred number" Discussed on Heartland Newsfeed Radio Network
"Due tomorrow. Thank you for tuning in and thank you for calling in and participating. I'm dave grave line. I'm chris grave and this portion of into tomorrow is brought to you in part by blueberry the most flexible tools and podcasting go to blueberry dot com and claim your free trial that's blueberry without the ease b. l. u. b. r. r. y. dot com. We went to blueberry. That's who's hosting our into tomorrow. Podcast now so check it out. There's all kinds and if you want to start your own podcast. They are the ones to do it with when you call in and we get to hear you either using our free app or the eight hundred number that chris will give you in a moment you can win fabulous prizes in fact you automatically win when we get to hear you and we do want to hear you. It's so easy to participate. You win some pretty cool stuff like from turbotax got online codes good for any of their products to help you file your income tax fast and easily and it's federal and state as a matter of fact if you need it. We don't here in florida from jabra. We've got elite active. Seventy five t true wireless earbuds get this in several different colors available from pet peanut. This is a fun new way to manage your tech raids. Several of them to send you've heard of pet. Well this is peanut and you can squeeze them like crazy and help with your tech rage. And he's very cute you get to adopt him. And everything. From benji lock fingerprint. Luck allows you to secure your bike with just a finger from e firm ear and forehead thermometers for babies infants and adults again. Babies and infants are the same. So let's say babies kids in adult day. All right from alarm fit bit three to us. What their alarm system. So you know you're sick before you know you're sick. It has some pretty cool algorithms and what we say. No promises no guarantees mention a couple of those items that would be most helpful to you especially with tax season. If you need a turbo tax code get in there and ask for one. We'll do our best to get one of those to you and if you want more information on our prices. Subscribe to our free tick newsletter. You can do that at our site putting your email address in the red box because we have lists of those prices with links to their websites and tips to like what so many people still working in schooling from home. There's been a big need for tech to help with scanning saving and sharing documents and our friends at pc mag tested verizon's new four g. and found that it beats five g. Big time will share their findings with you in this week's into tomorrow tech newsletter and.
"eight hundred number" Discussed on Heartland Newsfeed Radio Network
"You can tell. I'm still going through a little puberty like that once in a while but i am dave grave line in spite of what you may think you here and i am the more manly chris. Grave line more manly voice manly voice. I don't know. I see you have more dulcet tone. Yes currently yeah. Normally i do right. Yeah yeah yeah. And of course horatio in new york city ross. Mo- working out of his home in south beach with the show. Kim coconut creek. No saami highly gardens beth in naples. And julio in the control room. I don't know how that happened. Who led him in. I don't know but we need to fire security. Apparently they're not doing their job but glad to have you with us and thanks for tuning into tomorrow. Thank you especially when you call in and participate. Yes of course we get some emails and text messages because now you can actually send a text to our eight hundred number. Thanks to text me anywhere but.
"eight hundred number" Discussed on CRUSADE Channel Previews
"They're getting a pass. Because you're gonna be mad at ted cruz ted cruz for cancun. By the way nobody was mad. When the mayor of austin flew to mexico. I think during christmas after he told everybody that. Don't leave your house for covid. Or the example. After example of liberals and other a just officials in government doesn't matter about liberal conservative just members of government not listening to their own rules but this fake outrage is it. Bad quote unquote optics. I mean if you're running a political campaign sure. Oh betas on. Twitter beta was doing anything. His his unpaid intern is firing off phone. Numbers on twitter. He's on nbc. Talking about well you know It's like totally bad that we he's essentially riddle from the wwe. That's all beta is. He's what's the guy from fast times at. Who did sean penn played fast at ridgemont high. Because i'm blanking on this one that's all bego is at this point. Oh man totally was sean penn's macauley. Thank you justin. Beethoven coli bro. I didn't know that i never watched that. Oh well thank you to everybody. It team effort. Everybody we good job team. Thank you goalie bro. It's like so bad that nobody has like you want to call this eight hundred number. It's so yeah it's rad. Don't worry about it dude. I'm really mad about the snow because he can't skateboard at. What a burger. Yeah this is awful. Are you going to give anything out. You're gonna give out blankets or you're gonna go now. Brome going to send out and phone numbers on twitter. Cowabunga bro. Yeah whatever. So beta looks better. Who cares. Apparently christopher lawrence by good friend is telling me that jack is getting ratio d- to the ends of the earth on this one. Because i guess it shows that people understand he's fed. He's a fed official nothing. He could do. Ted cruz and i have my electric kit. And i'm going to go out and fix these telephone lines right now..
"eight hundred number" Discussed on PodcastDetroit.com
"This basically it was his stance that telling latin america and europe look europe. We understand like all these latin american countries are horribly in debt to you. So here's what we're going do. We're going to act as your debt collectors. So you can stay the hell out but then we'll like go in and free these people of the money that they we're going to be the eight hundred number you constantly don't pick up on and this is all in the name of stabilizing the region. I we're gonna need you. To pick up the phone stabilize the region regulates pick up the fucking phone so while while this is all going on. There's this odd drago doctrine from From the argentinian government. That if he dies he dies doctrine. I will break you doc. Yes exactly it's in response to the shelling of venezuela because venezuela european countries. All this this money so just basically like. Hey you guys like this is not the way to get your money back. You need to go away in like work this out amicably. And they're like otherwise you know the. Us you're you're you're playing in the americas the us is going to step in and measure shit up and teddy roosevelt. Basically like looks at this doctor and he goes no no no. We don't guarantee any state against punishment. Misconduct itself so basically like. Yeah we're gonna we're gonna collect the money but yet no no you fucked up. We're gonna we're gonna let them do what they gotta do. All jokes aside. I feel like at this point like the way that the story is being hold. You can honestly feel like the episode. I wanna do at some point next. Few weeks will be about the seventeen nineties at the point of the story. You're telling you you can almost feel the world getting you can literally feel it getting bigger right. You could feel it getting bigger in the way that america is exerting its it will force and by the time. Teddy roosevelt takes office. I mean we've got a pretty decent army. We've got a pretty decent naval system. So i mean we're able to back it up a little bit more and kind of start exerting our force outwards with the auspice that it's like no. We're just trying to protect. We're trying to protect us. Not necessarily you know make everybody look like us and also like try to take over some places..
"eight hundred number" Discussed on Hollywood Real
"I can have a thousand causes and it still wouldn't be enough and i will give you a hundred percent to each and every calls that i do anything i talk about. I'm doing some for for pets. Coming up which i love animals. I'm absolutely love him out. Advocate for the animals. You know for You know sex trafficking for any. It doesn't matter what it is only thing. Say the people who is which is martin thing is don't make it would happen to you to be that much more impactful when someone in your family has cancer now is a really really really big thing you know support each and everything alike. I mean to you to your means that you can do it for me. I'm just. I'm going to keep doing what i do as much as i possibly can. And appraised of what i can do. What more can we do to help. Prevent suicide knowledge is power Suicide is it has a stimulant comes with it especially with ptsd ptsd has with the military. You're crazy or out of control and sometimes in media it gets twisted their way like he was crazy. She was crazy or or anything. We are the first line you know if someone says that may have helped take seriously or look for signs a lot of times. Eve won't even know what they are. I one of my soldiers of heard In past he committed suicide literal. My watch He was twenty three twenty four. I love him. Actually i kind of vicariously advocate for him as well Young i great smile left all the time and we i remember having a conversation with him about suicide and he kinda like man. I'll never happened to me on. Don't i'll never do that. Why two kids and and it had been The one thing. I will say to people is treat. Everyone like you want to be treated people with suicidal people who committed suicide. They'll call them cowers or they wanted to easy way out a forth. I mean like. I say it were can hurt. Words can change lives or you can just kind of be humane for sick and live someone up instead of trying to tack them tag him or her or trying to say you better is in if you say you better news saying away where they are better than is where you're better than it is to understand look for size and don't just simply to the eight hundred number. Of course that is the way to go for a suicide but don't say hey caller number right. They're not going to do it. There's no way but the is not going to happen that way people just think well i gave them a number you know. Come on which you give your key the number and walk away which you give your mother your father in number. Just walk away. And i say that. Put yourself in that person's position no matter. How big he or she is. Or how little or how hard you thought. They were in the military..
A highlight from S6 E3 - What is VA Solid Start?
"Welcome to we serve now. What were we seek to answer. The questions. veterans and their families are already asking that stays question is about a relatively new. Va program called va solid. Start and on today's show. We'll be answering all your questions about this program. What is it. who's it four. What's the goal of the program who's eligible and perhaps most importantly the actions that you need to take to not only take advantage of this program but also to take advantage of ball. The va benefits that you've earned through your military service. And i thought who better to answer this question than the person who came up with the program. So some of you may have heard of dr paul lawrence who is the head of the veterans benefits administration. Well his second. Command is a lady by the name of margarita devlin and she is an absolute well of knowledge. Not just from the. Va solid start program. But about so much more as well hello. My name is aaron perkins. I'm a. Us army combat veteran husband to a beautiful wife. Father to two amazing kiddos on the author of resolve a step by step guide. That takes you the veteran through the journey of rediscovering purpose. Meaning and passion in your life after you've left the military and if you hadn't guessed on the host of this podcast and when we come back my special guest will be here so sit back. Relax and enjoy my conversation with margarita. Devlin who am i. Why am i still here. How can i uncover who. I was meant to be during my own transition from the. Us army the wounds of war especially those not visible continued to plague my through the pain of job loss of ptsd diagnosis at crippling anxiety by finally discovered the reason. I'm here on the earth. And i knew i couldn't keep it to myself so i wrote a book. Simply titled result. Resolved is a book that has one apologetically faith-based a step by step guide designed for maximum effectiveness in the context of a small group of other veterans resolve provides veterans everywhere with the tool to help you step into your new life a life full hope purpose and vision for the future to pick up your copy of resolve head over to courage to fight again dot com. That's courage to fight again dot com. Well i am here with margarita. Devlin and i just want to take a minute to thank you margarita for being here on the show. This is going to be so so great. I'm super excited about it. But i want to take a minute just to kind of introduce you. And i don't want to steal your thunder because i'm going to give you a chance to introduce yourself as well but margarita devlin. She is the principal secretary for benefits in the department of veterans affairs. She's held that position since may of two thousand eighteen. Now that title in itself obviously a mouthful right. But i will let you. Margarita explained what your role is and all of that and kind of dive into a little bit more for listeners. Basically she second in command at veterans benefits administration so veterans benefits administration. Va that's your va. Va home loan disability compensation of oak rehab life insurance transition assistance and speaking of transition assistance marguerita has a lot of different advancements in military to civilian transition and also suicide prevention to include. What we're talking about today and that is the. Va solid start program so margarita. It is so good to have you. I just want you to want you to take a few minutes and introduce yourself but is so great to have you here. Welcome to we served now. What inky so much. It's really my pleasure to be here. Thank you for inviting me to be on this podcast And i guess what. I areas like to tell people as i've been in the va for twenty five years It's my passion to serve veterans in in various different roles throughout my career. i'm also mom of inactivity serving marine And also the mom of a college student Dad was a navy veteran brother served in the army so Military family close very close to my heart this mission so really happy to be here and talk about the solid start program haas of also weived definitely excited to have you and again on this show. We do our best to answer the questions that veterans and their family members are already asking and one of those questions is what is the. Va solid start programming. And that's question. Maybe we can just lead off with that. What is the. Va solid start program. Absolutely i'm happy to just dive right into that. so solid. The solid start program is really part of the military to civilian transition journey. That really looks at the fact. That transition does not end when you get the d. to fourteen at the end of your military service in fact those of you who have served you know this right. That's really when everything starts to actually happen and no amount of preparation With the military can really prepare you for what what your situation is gonna be like after we heard this from veterans so this program really seeks to connect with veterans in that first year after separation starting at about three months and then we follow up beginning six months in a year and it really is an opportunity for us to start out with. How is it going for you. How's your transition going. How're you doing what's going on in your life. What are you worrying about. And really letting the veteran drive the conversation about what he or she needs the moment how it's going and then our agents are very well trained to pick up on those cues from that conversation and provide that veteran with specific resources in guidance on how to continue their transition in the most successful manner. Possible that is that is huge. I remember. I remember when i got out at the end of two thousand fourteen. It was a kind of a drinking from the fire hose. Except i didn't even know what i was supposed to be drinking. You know it's like hey here's a bunch of benefits you might be eligible for good luck and so it's funny so we started this podcast in the summer of two thousand eighteen and it wasn't until i started this podcast and started doing some research that i learned about more benefits. I could've taken advantage of when i first got out. You know four years prior and so the fact that this this solid start program is tackling that specific issue. I think is great. So what what. Problems specifically is the program trying to solve will it is really a suicide prevention initiative and it came from the fact that we heard from veterans. That sort of felt like all the services and support sorta stopped When they separated from the military and because it was like drinking from a fire hose. They really didn't know where to go to do And who to connect to and it was really difficult for. Va to connect with veterans who were not engaging with our with our systems already so we entered into this agreement with department of defense and homeland. Security is coastguard is under homeland security to get data feet of all the military members when they were separating so that we can start those phone calls so that we can call everybody and by the way we do call everybody that we have information for that includes regardless of character discharge We will call these veterans and we will make sure that they get connected to services and resources that are that are specific to their needs so again suicide prevention. We recognize that. There is a a real. There's a reality about transition stress Which is very different than what you might think about with clinical rate with post traumatic stress disorder. Which is a clinical diagnoses Comes with its own required treatment in the mental health arena. But this is just It's stress around. All the life changes that happened with transition. And what you said you know sometimes they. You're hearing so much about so many benefits while you're in the process of separating that when you get out you might not realize that you didn't take advantage of all of them right right. That is so true. That is so true. So so the the tap program transition assistance program or the army's version i think is a cap or something. It is this part of that is essential that the tap program still exist. How does it factor into all that. They're they're connected. They're two separate things but connectors so the transition. Assistance program does still exist Dod really owns and operates. Don on any of the military services of course puts their own branding on their part of the program via has an entire day where we come in and we teach about. Va benefits was really great. We were able to get it to a full day. Always didn't always look like that but even in that full day where we teach it's really It's a classroom experience right so you're Before covid you were in a room with twenty twenty five other service members and as much as we try to make it engaging and make sure that the servicemember can tie all the benefits to their own personal situation using interactive workbook. All of those things. It still was a classroom experience. A not individual not one on one We do still have benefit visor. Available for one on one support with and they. They advertise that during the class. Now when we went into the code environment we go to virtual So we we are still pretty much in the virtual environment. We've we've started working on getting a little bit more in person presence with tap classes but of course as you can imagine Safety is the number one concern And so we think about this way. Transition assistance program is about teaching. You what you might need to know and getting you prepared in the right mindset for transition. Solid start is like okay. Now we're gonna talk to you after this happened after you got out of the military to see. How are you doing ended. All that stuff makes sense. What questions do you still have. And it's one on one so rather than having to listen to what everybody has to listen to if you already have a job and that's not your concern or you're already in college and using your education benefits that's not your concern but maybe you need to get into a medical appointment. You don't know how to navigate. That will work with you on justice. If that's what you need is maybe you have issues with your children. You need some some other resources. We have access to information about state department of veterans affairs benefits that can sometimes filling gaps were. Va can't Provide a service to really is personalized the comments we hear from veterans. I know you've been seeking feedback from veterans. As well is that they're surprised that va's calling and they're so thankful for it because they were maybe not sure who to call her how to ask about a particular benefit so it's been really interesting seeing the positive reaction from our veteran community. Absolutely and you know. I think that you know this is my opinion. You based on my own experience and the experience of know friends and other veterans who gone through the transition systems program. There are getting ready to get that to you to fourteen right. So all of those briefings. I shouldn't say all but a lot of those briefings are at least in the transitioning servicemembers. Mind it's it's a check the block it's like all right. Let me just get through this thing. So i can go home. Take off this uniform for the final time and get on with my life so the fact that you're contacting them throughout that first year i think they're going to be a whole lot more receptive to hearing. What the benefits are. Because it's not like you're not keeping them from you know from going home you know. You're not you're not saying. Hey you have to be here. This is your place of duty right now. So you mentioned covid nineteen and a lot of things have gone. virtual has there been any other impacts to the program. I know the program still pretty new but have there been any other impacts of the program as a result of the pandemic like are you behind or ahead or anything like that. A solid start actually was in a great position to react effectively to the covid nineteen situation. All of our agents were telework ready and all of our equipment works from telework standpoint. So they haven't skipped a beat they are not behind. They are on target When we first created the program we weren't sure what kind of response we were gonna get so when we created the program We we have to have a performance measure right so we said well. How many people do we really going to answer. The phone won't va calls. You know think about yourself right if your cell phone rings and you don't recognize the number what's the chance you're gonna answer it. Probably not your let it. Go to voicemail right. And if that person's important deli new message so we kinda thought we might get that sort of a reaction so we kinda started. Set the bar low. We said fifteen percent our goal was fifteen one. Five fifteen percent of veterans we reached out to we would be able to actually engage with. They would answer the phone and engage with our with our representatives. It's been just phenomenal. The actual result actually have your with me the december twenty twenty report since we began the program. We have reached over. Eighty seven thousand veterans and the fiscal year. Twenty twenty today fifty seven point. Five percent have responded and engaged. Yeah i know it's it's been just an incredible Response and we also prioritize veterans. Who we know from the information from dod if a veteran had mental health appointment In that last year of service before they left the military prioritize them and we also know that for that population. We need to make sure we get them connected into. Va healthcare and with that sub population. The percents even higher seventy three point. Six percent have responded to our agents and our end have engaged with them on the phone. Wow that is really really great. How surprised were you at the at the numbers when he finally saw them. In the beginning. I was very surprised. And then you know we had a town hall with are Representatives the ones who are actually making the call and it was really interesting. Many of them are veterans themselves. Some of them are you were military spouses. And some of them even used to work in the tap program and and they're so passionate about their work and they're always submitting new ideas about how to improve the program here in the anecdotes That they shared with me about what some of these veterans were telling them and how grateful they were for this phone call. One thing we do is we did put it on the caller. Id so in most with most cellular services You you'll it'll save veterans affairs on your phone so you kind of notes the. Va calling so kind of helps to increase the the response rate but yeah. It's it's been an amazing response for veteran for so happy that this program is reaching them in making impact. Yeah definitely that's great. That's great so. Va solid start. It's for those who are basically brand new to the civilian world right so for those of us like myself and a lot of our listeners who are not newly separated what resources are available for us for helping us understand available that that we can take advantage of so a couple things you're right. Solid start is for those that are recently separated so for veterans of any era. Were here for you as well. And you know i always. I'm always very sensitive to that that you know if you Or vietnam era veteran. We care about you. We want you to call us if you if you never got connected to your benefits. Please call us and we will walk you through. There's a main toll free number which is one eight hundred eight two seven one thousand and that is our main call centre. Those agents are trained across the entire portfolio benefits as well and they will help you identify. What eligibilities you might have In the benefit side and they can even connect you to healthcare If you if you haven't signed up for your healthcare so they can. They can kind of connect you regardless of when you got out of the military And if you are a veteran that just got out in the last year and you haven't gotten your solid start call. I say the information we get from dod his last information we had about the servicemember. Sometimes people change their phone number They changed their email address. We do try and reach out by email First before we make that first phone call so call us. And if you're in that last in the first year after separation just asked to be transferred to the solid start program very cool very cool and you just taught me something with this eight hundred numbers at eight hundred eighty two seven one thousand right cracked. Okay so i could you know after we finish this conversation i could off here. I could call that number and find out the benefits that i'm eligible for. Maybe i'm not taking advantage of. Yes and really. What what they're gonna do is they're going to ask you some questions. What type of benefit are you thinking about. you know. and because we haven't education call center so if you said hey. I'm really wondering if i'm if i'm eligible for the gi bill. They'll transferred to gi bill experts. Right if you say well. i'm really kind of thinking. What kind of employment types of benefits or what about disability benefits So you know they'll help you with those benefits. It's a little bit different than solid. Start in that There are more got react to what you're needing in the moment whereas are solid start agents are trained to sort of prompt And get information out of the veteran to help navigate the whole suite of benefits they might be entitled to and i also wanna say your state department of veterans affairs. They have offices in in different states. We have regional offices. One day hopefully will be able to meet in person again. But in addition there's the veterans service organizations in. They're out there to help. There's a lot of resources but yes feel free to call us. Anybody listening to podcasts. Give us a call one. Eight hundred eighty two seven one thousand and we'll try and get you connected to your benefits above love it and so speaking of benefits and this is it's kind of a curiosity question. I guess what is the most overlooked benefit that veterans typically. Don't take advantage. There's a couple and we actually make it a point to focus on these in the beginning They're time sensitive so one thing for example is life insurance benefits. There is a time limit on when you can convert your service group. Life insurance to veteran group life insurance. And if you don't do in that timeline you kind of miss the opportunity It's about a year and a half out from from when you leave the military so We tell them always about life insurance and that's always kind of a tricky thing right. Nobody ever wants to think about end of life. Especially you know you. A young twenty five year old veteran and twenty six year old. And they're thinking while life insurance okay. You know if they're single and they don't have a a spouse children they might not be thinking about it so we want to make sure they understand the value of having that life insurance policy and so that they make an informed decision potentially to take advantage of it another one is dental care the eligibility for dental care which is time limited in a lot of veterans miss out on that because they don't fully understand it so there's a couple of the ones that we know are are critical sensitive And honestly we've heard some some of our veterans who say they didn't file for disability benefits. Because they didn't feel like they should take that benefit away from another veteran so we do spend some time explaining that they don't take benefit from another veteran. It's a it's a mandatory benefit. Were any veteran. Who's eligible for the benefit and it also opens up the door for healthcare. And you know if you're young and strong now but but you know that you had injuries orthopedic injuries for example. But you're okay and you can kind of deal with the pain right now. Well one day you're going to need healthcare it might worsen You know this is. This is not a handout. It is an investment in that veteran. Making sure that they can stay strong and half the care that they need to to For the rest of their life if needed sure sure so that is some really really great information. But it's not every day that i get to to the principal. Deputy undersecretary for benefits at the veterans benefits administration or being translated. Second command right. So i have a couple of questions that they're they're along the lines of transition but not solid start specific right sure all right so one thing that i'm incredibly passionate about is helping veterans rediscovery since of purpose and meaning after the military and so finding that sense of purpose in that sense of meaning after military service is. It's really the single most challenging part of a chat challenging part of the transition and so one question. I wanted to ask you is how does the. Va help with this aspect of post military life. It's interesting that you bring that up because our research also validates that is one of the biggest challenges. In fact we did. We just started last year. A post-separation study of veterans. Who went through the top programme while they were in uniform to kind of see the retrospective look right. Because it's one thing we can really high marks in the classroom right there. The ninety six percent are highly satisfied with our tap class. But what we wanna do is wait to your veteran in the naski. Look back on and say okay now. How well prepared did you feel you were and we also bounce that against data to see are they employed you know are they using our benefits and we ask them for information about how they're doing so in that study we found the open comments that we got from veterans were very much around that loss of sense of camaraderie. That loss of sort of feeling that you're part of a community unit cohesion that you had the military you don't have that in communities today And just that that loss of sense of purpose and mission so we're just now starting to lean in to explore how the can help with that. We can't solve the problem ourselves right because we're not going to be that sense of community for them but we can connect them and we've been engaging with a lot of organizations nonprofits and via so organizations that provide that connectivity that sense of community in that sense of mission And we're starting those conversations to say. How do we infuse that into the solid. Start program so that we can start connecting veterans in a different way to give them that sense of community. they're looking for. It's really going to involve have to involve a partnership model via. Can't do this alone. Sure sure on love the fact that that the va is realizing this and is like you said leaning into that so now this is a this next question for you is potentially a touchy question. But i don't need to tell you that. A lot of veterans are like. I don't like the va about experience for those veterans who have had that experience or they're just like man. I've heard so many bad things. I don't even wanna try it you know. It's probably not worth the hassle. What what would you say to them if they were if they were asking like. Okay what should i do. Should i do anything. What would you say to them right now. A couple of things first of all. I wanna say avenues. Cells and good news typically unfortunately does not get the same kind of traction. There are so many good news stories out there. And if you look for them you'll see them. I would say comback triumphs again. It's not the same. va that. It was a few years ago. We have come such a long way in the healthcare system with the hospitals in the end the outpatient clinics in our regional offices are outreach is is so much different and we understand better how to improve the experience for our veterans. So i would say it's been a couple of years maybe had a bad experience comeback to us get another chance and if your experience is not absolutely stellar fabulous edit. It doesn't make you turn around your opinion of va. Reach out to us. And i would say in the healthcare system. We have Advocates in every medical center. Go talk to the patient advocate. Tell them about your experience. Let us change something. If there's something specific that's not quite right. Sitting in our via regional office asked to speak to the leadership team. We have lead dan so hard on getting feedback from veterans and making changes across the entire enterprise. It's it's just not the same. Please try again in comeback. That's what i would say. Sure sure so of just just anecdotally right so my family. And i we live in alabama and so my closest a regional center is in birmingham. And so you know i. I've been there a lot over the past few years. And when i compare the service and the facilities and everything like that to a to a more local hospital more local medical facility. It is night and day difference. I mean bring. Va clinic is just top of the line. So it it is really an and again. I know everyone is different but it even from. When i used to go to the va we lived in texas to go into the va. Here it is. There's so many positive changes that have been made in at so honestly i'm really really happy with with the facilities and the care receive and everything like that so glad to hear that. Yeah absolutely absolutely so what's a big takeaway here right. So what does something. All veterans and newly separated veterans or. Otherwise what should they really remember from our conversation. Today i would say remember that. Va is here for you We probably have a benefit or a service that you might not have been aware of And we wanna be there. We want to be partners in your military civilian transition. We want to be partners in your life and help you with any issues that you might have. We're not the answer for everything But we also have connections with community resources and just reach out to us if if you need anything don't try and go it alone and again if if you had a bad experience in the past comeback to us i promise you it should be a much better experience now and like i said if there's anything you encounter that that you have an issue with let us know we're here to be part of it. I mean my personal story. My brother who is an army veteran wouldn't go to the. Va for the longest time. I finally got him to go and he's been so thrilled he was. He calls me up and he's like says they're offering me services that i didn't even ask for. They're they're doing this. They're doing that. And i said yes. That's what we call wraparound services when you come into a va. We are not just looking at the problem that you presented with. We're gonna ask you how else we can help you. And he's been so impressed with that. He wishes he would start in the. Va system a long time ago. It really is We've really made some great advances. So please come see as awesome awesome so here on the show. We like to give our listeners. Some practical next step. So when this podcast finishes playing what should they. Do you know the context of our conversation today. What should they do because today's question is. Hey what's the. Va solid start program. And obviously you've answered that more than we could ever imagine and in so having you on the show has been just absolutely outstanding but what should their next steps be right after listening to this podcast. I would say if you're curious about the benefits and services we offer You might try to going to our website. Www dot va dot gov easy to remember And when you go to. Va dot gov. You'll see sort of things grouped into logical sort of life domain issue. So you'll be able to kind of navigating see. Wow you know what is what does the. Va half for me. And then you can actually apply for many of our programs online. Some of them Were still working on getting online. But you get the application online so that would be one thing and then if you just don't wanna talk to somebody some full more comfortable calling on the phone and talking to somebody call that number i gave earlier one eight hundred eight two seven. One thousand You know we're here for you. Take that step. Check us out If you're already enrolled in one of our programs you know good on you but there might be something else that he don't know about so check us out. Sure well margarita. Devlin this has been so so rate again. You have answered the question. What is the a solid star program. Frankly answered a whole lot more questions as well. So thank you so so so much for coming on serve now. What really enjoyed having him my pleasure and thank you for what you're doing to. It's really important work. I hope you've enjoyed my conversation with margarita devlin. So what are your questions recorded voice memo on your phone and send it to podcast at courage to fight again dot com or joined the post nine eleven veterans and families facebook group. And post your question there. We all have a lot of questions but the most important question we can ask ourselves is this have. I accepted the forgiveness of sins. That only comes through faith in jesus. Christ we'll i'll see you right back here. Two weeks from day and the nixed veteran question. We'll be asking is this. How do i use my post nine. Eleven gi bill. Well until next time. Thanks for listening. We serve now. What is a production of courage to fight again.
"eight hundred number" Discussed on Get Out There and Get Known Podcast
"I'm like okay how we start mushroom hip hop person anyway so you like that anyway about what they have oji whole renewable in that same area. We remember that. Right as i used to be right. Now it's different so yet. I know with ut to kids you you probably have seen a whole evolution of music in. Yeah yeah but i'm mark. How can people get in touch with us. I you authors if they want to pitch you and How can get in touch with you so that they can possibly be on your show certainly come through. That's one secondly even my website mark a medley dot com is no spaces m. a. r. c. a. Med l. e. y. dot com. If you go there you can reach meeting. Contact me there. Because there's a contact page in there. So that's pretty much the hub. They can leave a message that the call eight hundred number eight hundred five eight eight six one nine two in call that message there but Or they can just move on like you said earlier with you may ours. Are missing is marked with the seat. So it's mark off the french way of saying you know so it's like all right all right well mark. Thank you so much for joining me today. This has been a delight. I am so to have you on. And i'm going to have you back and we can maybe next time we can do like some authors and we can like tag authors some from that. Maybe we'll have been in knows. Okay thank you so much for having me on an open. Invite to appear on my show as well like i said. You are like a pipeline. You nikki would you. To right off the bat pipeline. We've been doing this for a while. We love what we do. We help another people get the shine some very good. Thank you all.
11 Trivia Questions on 19 Word Hints for 19 Letter Movies
"All right nineteen letter movies with Nineteen Word Hands. Let's see if you can figure all these out number one crusading reporters Woodward and Bernstein dig through the Merck surrounding President Nixon's misdeeds searching for the truth about Watergate, what is that movie number one number one? And number two, Brosnan settles in for his third outing as double o seven this time with Denise Richards as a hem doctor. Christmas Jones number two Brosnan settles in for his third outing double o seven this time with Denise Richards as a ham doctor Christmas Jones number two. Question number three no twinkies for Woody Harrelson, this time but hordes of undead still to battle in this decade later, Dom Com sequel number three. What is that Zombie Com sequel with Woody Harrelson And number four, a mild-mannered diplomat is stirred to action after his wife is killed in Kenya. After meddling with pharmaceutical companies number four, a mild-mannered diplomat is stirred to action after his wife is killed in Kenya after meddling with pharmaceutical companies number four. And Number Five more rock more Jack Black More Kevin Hart. But still no board games in this sequel to a reboot number five more rock more Jack Blackmore Kevin, Hart. But still no board games in this sequel to remove. Number six the American remake of Seven Samurai with a star studded cast of Charles Bronson Steve McQueen and Horst. Holtz. Number seven the time is just right for an out and out thriller like this reads this best pictures tagline. The time is just right for an out and out thriller like this reads this best pictures tagline tough one number seven. Number Eight, a one, thousand, nine, hundred, four German fantasy films. Title is a bit of a lie and actually wraps up in about one hundred and two minutes Barack. This nineteen eighty-four German fantasy films. Title is a bit of a lie that actually wraps up in about one hundred and two minutes. And number nine the only film within the franchise to Askew Arnold Schwarzenegger though it features a CGI incarnation of his t eight, hundred number nine, the only film without Arnold, but it does have CGI t eight, hundred, number nine. Number ten one can imagine the pitch for this one was toy story with animals and yeah, it made eight hundred and seventy five, million dollars number ten toy story with animals nineteen letters eight, hundred, seventy, five, mil. Andy Bonus for nineteen letter movies number eleven for two points. If you're playing along at home, please recall one, hit wonder deep blue something's classic nineties tune while you find this more classic morning, Meal Movie Classic Morning Meal, Movie Deep Blue Something Classic Nineties, tune those your clues for number eleven.
FCCs Ajit Pai is tackling suicide prevention with a 988 hotline
"Me. Senior reporter and regulatory expert Maggie Ridden. Thanks, thank you for joining me. Thanks for having me so tell me about the SEC's nine eight eight initiative, so the FCC is GonNa Vote next month on. Some rules to establish nine eight eight as the number that you call if you wanNA reach the suicide, prevention, hotline, or lifeline, and right now it's a fool. One eight hundred number. The thinking is that if it's a shorter nine eight eight number that will be something that sticks in people's minds, and they'll know to call that, and it will be easier to reach, and you actually had a chance to talk to SEC. Chairman Ajit Pie about this I mean what is what is he hoping to accomplish here in like the House he personally invested in this 'cause well, he is very passionate about this issue and says. You know that this is very personal for him that. He feels you know a connection to this issue and. As I think most of the commissioners do. They, all are in support of this, and he really hopes that by using nine eight eight. It will again really stick in people's minds. It's obviously a professional obligation of the se for me, but it's also a personal 'cause for me. I think a suicide, prevention and mental health affected so many people in our daily lives, and especially when it comes to suicide alone so I mentioned, the rate is now coaching levels. We haven't seen since world. War. Two and bumble oscillations are especially hard hit A. we've seen for example veterans that some twenty veterans every day die by suicide. LGBTQ, you are also at Gress they. They contemplate suicide a much higher rates some one point. Eight million LGBTQ used think about suicide every year for African American. Teens report recently came out showing that self reported suicide attempts among black heeds increased by seventy three percent between nineteen, ninety-one and twenty seventeen, and a lot of these statistics come afford current pandemic, when of course so staying at home in other types of protocols, if greed sense of isolation for those who may be struggling, and so to me at least the ability to connect those who need help more easily. Those who can provide it is absolutely critical issues, not stranger to me and. while. It's difficult to talk about what I will say that I think about it every day. Antibiotics affected those who had loved the end. I don't want anyone to have to go through that and Yeah, and so he hopes that nine eight eight becomes a a similar thing for people who are in a mental health crisis that right like everybody teaches their kids and we learned his kids that. When you're in an emergency, you cow nine one one. People know that it's just second nature. You know. They don't really have to think about it much that they can just pick up the phone if they need help and reach out to get that help and. How how big of a problem is suicide in America, it's it's a growing problem and it in a serious one The the Centers for Disease Control have done a study that said they've looked at data and suicide rates have been on the rise for the last two decades so it's a real problem. There are a lot of people in our country. Country who are experiencing a lot of troubles and you know in the FCC wants to do something about it. Right imagined the coronavirus and our lockdown situation has just made things worse. l., absolutely, in fact, you know the dispatchers. The counselors who feel these calls are seeing spikes in calls to them since the pandemic and I think it it really. It speaks to the fact that people are isolated. They're at home. people are losing their jobs. We have a lot of civil unrest and the black lives matter stuff the happening and we're seeing all these images on our. TV's and I think it's really taking a toll on. People yeah I know that I regularly sit downs on Saturday mornings or on the weekends and run through my facebook. Feed my news. Feed ends. It's pretty depressing so that the news that's out there right so I get it and I can see why that would be a bigger problem in current environment. I'm curious if there are any folks who are opposed to this as odd as that sounds, I mean I know. The FCC is typically divided by party lines right? Usually Democrats vote one way Republicans voted. Another neutrality is a great example of this kind of. Divided issue is there is everyone basically on board for this or are there folks who have? Concerns or issues with this proposal you know everybody is on board with this initiative and you know I think that really speaks to. The fact that this is an issue that that crosses party lines right whether you're a republican or Democrat I think everybody. Knows people in their lives who have struggled or they may be struggling themselves in so I think this is. This is really an issue that that touches everyone, but what is the next step of this? Because I know right now? It's a proposal but hauer. When does ninety eight become a reality? So the FCC? They've been working on this issue for you know for several months now, and so now they're at the point in their process where they're coming up with some final rules, and they'll be voting on this at the July, sixteenth meeting and. Now, it won't go into effect on July. Sixteenth Twenty, twenty. this is you know they're voting on the rules and establishing what needs to happen and they're giving the carriers two years to to comply with this and Chairman Pie said he realizes that's not soon enough really for for many people, but he wanted to make sure that the number was ready across the country, and that everything was in place so that there was no confusion that you know when it's ready, it's ready. It's GonNa. Launch everywhere.
State unemployment offices overwhelmed amidst covid economic crisis
"Many state unemployment offices run on tiny budgets they have out of date computers and sometimes just a few dozen employees and suddenly these little offices are a lifeline for thirty six million Americans who are out of work Stacey Vanek Smith from our daily economics podcast the indicator brought us the story he won Ellison and her husband were laid off from the Subaru factory in Lafayette Indiana back in March they played for unemployment right away and then they waited a week one Brian right okay I have some savings save the two weeks went by on line okay start to get a little bit ridiculous now and now it's like okay it's Maine now we're gonna have to take right next month it's been more than six weeks since they applied and killing her husband still have not gotten their unemployment checks meanwhile kills husband got sick with covert nineteen some of her kids have been showing symptoms so she is trying to quarantine people care for people cook clean and keep the kids doing their school work keep everybody inside and on top of that she is spending hours on the phone every day with Indiana's unemployment office just calling the one eight hundred number which I you're just waiting and waiting and waiting okay let's try to email thought maybe that would be faster email ninety different claims eight and I only got a response back from one of all the ninety people online what is going on my name is Josh Richards and I'm the chief of staff at the Indiana department of workforce development we operator states unemployment insurance program Josh has been working there for more than a decade he was there during the Great Recession when things got so bad they had nearly thirty thousand people applying for unemployment in one week so when Indiana announced a state wide shutdown there's this one thought that went through his head how do we possibly staff out to process benefits that people need and the time frame in which they're going to expect them and need them just a few months ago in the end it was seeing record low unemployment the staff was lean but was more than adequate to handle the two thousand odd people filing for unemployment every week and then the claim started coming in three thousand people five thousand people ten thousand people Josh couldn't believe what he was seeing and the numbers kept climbing yeah I was like a hundred twenty hundred thirty hundred forty eight hundred and forty thousand people filing for unemployment in one week that's almost five times with Josh had seen it during the Great Recession this was just really different than what we are expecting and what we were built for in last week's Josh's brought on hundreds of people you now is roughly six hundred and fifty people working with him but they're trying to assist six hundred and forty thousand Indians who've lost their jobs people like Kayla to go from being not only backbone and our only source of income Sir just waiting you don't know when it's coming I was I was very light I was at my lowest yesterday I was over I quit Josh Richardson says his team are working as fast as they can he says he knows that for a lot of people people by Kayla it's just not fast
Stimulus checks and other coronavirus relief threatened by old technology and rocky government rollout
"But in between these trillions of dollars and all of the people waiting for relief there. Are these middlemen who just in the last? Few months have gotten saddled with this new totally unprecedented task. Getting all of this money to the people who need it fast. There are all these small banks trying to process millions of loans that they've never dealt with before and their state unemployment offices many of which are running on shoestring budgets sometimes with just a few dozen employees as of last month. These little operations have come a lifeline. For THIRTY SIX MILLION UNEMPLOYED AMERICANS. Hello and welcome to planet money. I'm Stacey Vanik Smith. Today on the show two stories from planet money's sibling podcast. The indicator hosted by me looks inside systems. That have sprung up to push these huge heaps of money from the government to the individuals who need the cash basically like trying to smoke a fifty foot pile of money through a ten foot doorway. Greg you right the planet money music me. What you're covering during the crisis price-gouging powder save jobs. Why the Fed is sending billions of dollars all over the world and y remote work sucks. I miss our chat Npr to or exhaust pointed money newsletter debts NPR Dot Org Slash Planet money newsletter. Face masks have become the new normal as we continue to grapple with the ongoing pandemic. But when did we start wearing masks for our health and safety this week on through line the origins of the n? Ninety five mask and how it became the life saving tool it is today through line from NPR. The podcast where we go back in time to understand the present Kayla Nelson and her husband have been waiting for their unemployment checks for six weeks. Meanwhile Kayla's husband got sick with covid nineteen. Some of her kids have been showing symptoms so she is trying to quarantine people care for people. Cook clean keep the kids doing their schoolwork. Keep everybody inside and on top of that when we called Kayla last week. She told us she's been spending hours on the phone with Indiana's unemployment office every day. Just calling the one eight hundred number which is great. You're just waiting and waiting and waiting and then once you finally get on the phone with them either one they hang up on you. The call is dropped or two. They don't have any information to give you KAYLA. Tried email. Thought maybe that would be faster. Emailed different claim and I only got a response back from one our family. We are really in crisis and I didn't run around where unemployment my name is Josh. Richardson on the Chief of Staff. At the Indiana Department of Workforce Development. We operate the state's unemployment insurance program. Josh has been working there for more than a decade. He was there during the great recession. When things got so bad they had nearly thirty thousand people applying for unemployment in one week so when Indiana announced a statewide shutdown. There's this one thought that went through his head. How do we possibly staff up to process than if it's the people need and the timeframe in which they're going to expect him in need them just a few months ago? Indiana was seeing record low unemployment. The staff was lean but was more than adequate to handle the two thousand odd people filing for unemployment. Every week they had about fifty people answering phones and around two hundred people processing claims but Josh thought if we get up to the great recession high of nearly thirty thousand people a week filing for unemployment. We're not going to be able to handle that with our little staff. And then the claim started coming in three thousand people five thousand people ten thousand people twenty thousand. Josh couldn't believe what he was seeing. And the numbers kept climbing to fifty thousand one hundred thousand people and then it kept climbing was like a hundred and twenty one hundred and thirty one hundred forty one hundred and forty thousand people filing for unemployment in one week. That's almost five times with Josh. Seen during the great recession just realizing that this was just really different than what we were expecting and what we built for hundreds of thousands of people were calling and Josh had fifty people answering phones. He started hiring as fast as he could. But people had to be vetted and trained and in the meantime all of these weird problem started cropping up news reports people saying well. I've been waiting for hours and I was hung up on. And so you. You start to investigate. How in the world are people getting hung up on? Josh looked into it and it turns out a lot of cell phone. Carriers have called time limits. Most of them. I think that we've seen many with four hour hold limits and so if that person on hold for four hours they are on hold for four hours and it's an extraordinarily long time and even all the longer when you've been waiting for four hours into call automatically gets dropped. They're also all these reports of people calling and the number just not working at all turns out. There are actually limits on. How many calls per second one phone line can accept so even when we had the recording to say sorry? We can't answer the phone. The number of calls per second exceeded our ability to connect them with the recording. They were getting more than sixty calls per second in the last eight weeks. Josh's brought on hundreds of people he now has roughly six hundred fifty people working with him. But they're trying to assist six hundred and forty thousand Indiana's who've lost their jobs Josh's whole time is down to around two hours and he says he's working all the time he doesn't take breaks. He says whenever he tries to all he can think about are the people who haven't gotten their money yet. People like Kayla who says her family situation is getting more desperate by the day. We barely have enough to pay the rent and still have money left over to support our family. If we don't get any really. Everybody is dependent on the government right in. My husband never had to depend on the government. We've been working for years so to go from being our own backbone in our own source of income to just waiting. You don't know when it's coming I was I was very like I was at my lowest. Yesterday I was over. I quit was over Josh. Richardson says he and his team are working as fast as they can trying to get money out to the people who so desperately need it still. He says he knows that. For a lot of people people like Kayla not fast enough. We sort of get the. Hey you guys should have been more prepared. You should have seen this coming in. There's no point in arguing that out. All we can do is try to get better.
Upstream w/ Dan Heath
"In the book you get into these details a little bit more mechanically Specifically talking about you know uniting people and What are the changes? Actually that you need make to assist them. How do you determine some of those things Finding Leverage One thing I'd like to talk about specifically is how do you know when this is succeeding in the point of no when we're talking about the The children that are that are drowning. It might make sense that if you had a rate of children drowning when every five minutes in that drops to one every twenty four hours then that might make a good measurement but it's not always that easy right. No it's not and I think the reality is. We live in a world where in the fictitious parable world. I mean my guess is that enormous corporate America. What people would be a measured on is? Is the speed of Rescue You know it and in fact. There's there's an example in the book. I think illustrates this. Well it's about expedia the online travel site and back in two thousand twelve. This guy named Ryan O'Neal is studying some data about the call center at Expedia. So if you book a flight or hotel or something in something goes wrong with your reservation you call one eight hundred number. What he found made his jaw drop. He found that for every hundred customers. Who booked a transaction? Fifty eight of them ended up calling the call center for help. Which which would pretty much seem to nullify the whole point of having an online self service travel site and so he starts digging into figure out why are so many people calling us in the number one reason people are calling. I mean to the tune of twenty million calls in two thousand twelve was to get a copy of their itinerary was twenty million calls. Can I get a copy of my tannery? And so he and his boss. Just they're like this is madness. We've got to do something about this. And they make the case to the CEO to create a special team to work on this and they do and The technical solutions as you might expect are pretty simple. They changed the way they send. It's not like they forgot to send the itineraries. They were always sending them. It's just they would end up in spam or customers would delete them thinking they were ads or the sort of thing so the change their strategy and emailing they added a self service tools on the VR and online and so forth and they basically took twenty million calls and whittled them down to zero so from from a technical perspective. This is a trivial problem. But I think what's interesting about? This story is is why this problem got to this level like you would think that there would be an alarm bell. That would go off somewhere. Once you reached like your your three million call for hi Tenora like people would start to take this seriously but but the deal is that expedia like like virtually every other company has to organize itself or chooses to organize itself in in silos. And so you got a marketing team whose job it is to to attract customers to expedia versus. Kayak or someone else. And then you've got a product team whose job it is to make the site so smooth and intuitive that the customers are funneled toward a transaction. Then then you've got the tech team that makes the plumbing run and keeps up time high. And you've got the call center that's trying to minimize you. Know the the response. Time to fueled a customer issue and to keep them happy via net promoter score or something like that and from a silo perspective like all of those goals make sense but but the problem is when you ask a very basic question. Like whose job is it to keep customers from needing to call us. The answer was nobody. Yeah Yeah and it was even worse than that like none of those silos even stood to benefit if the number of calls went down and so. That's something I think that that's really interesting. About upstream problems is that it's often very easy to find owners for downstream problems like your house catches on fire. It's the fire departments problem at that point. Like It may not be an easy problem. But it's an easy problem to define an owner for verses if you flip things around and you say whose job is to keep customers from calling or whose job is to keep your house from catching on fire will. That's a very different
Here’s what you need to know about paying your rent or mortgage
"So we talked a lot about the P. P. P. over the last couple of days the payroll protection program trump suggesting yesterday that he once said two hundred fifty two or fifty billion dollars to that the loan forgiveness program for small businesses what about individuals who are wondering about how they're going to pay their mortgage as they're waiting for the disaster relief checks or for unemployment insurance benefits to kick in for a discussion about the mortgage business we're pleased to be joined by our friend David hopper vice president lending of team Hochberg and home side financial David thanks for joining us appreciate it thank you ram appreciate the opportunity so thinking about people in financial distress or certainly concerned about being in financial distress in the not too distant future depending on how things transpire what are some of the questions you're getting in the recommendations you're making to people yeah well again thanks a lot for the opportunity your listeners are gonna fall into fort Meade a mostly four categories one there you're gonna have a party mac clone they're either going to have Fannie Mae Freddie Mac and will throw three categories trying to be pretty back FHA or VA okay Fannie Mae Freddie Mac allow your listeners and the easiest way to find out guys is to just call the eight hundred number on your mortgage statement and call them up and ask them if you have a female Freddie Mac FHA loan if you have a VA loan you you most likely would not be a long serving in our military or our a surviving spouse what what cleaning may forty mac have have issued rules that their servicers can allow up to twelve months of forbearance here's the biggest challenge though a forbearance is when a borrower can differ mortgage payments without any late fees or down any hits on the credit the challenges it's up to the servicer the person that has your mortgage that you're writing your mortgage thank you to make that determination what they've said is spinning the forty mac and come out and said is if you call them and state that you're having economic hardship economic challenges due to corporate nineteen coronavirus they will put you into a forbearance without any issues here's a challenge with Randy for Fannie Freddie rules state that if they put you to a three month of forbearance for example if you call today you could defer your April may and June payment but come July what your listeners to allow listeners don't realize come July first when the to my mortgage payment is due they want the ninety days of deferred payments as well so that's a major challenge and I called up my servicer who is chasing set what happens if listeners borrowers can't make that hundred twenty days worth of payments obviously they're going to permit into forbearance because we've got challenges he's like well they have to call back again they're not gonna make it easy for you you have to call back and either ask for another forbearance for loan modification at that time but see anybody Freddie Mac rules clearly state in a recent letter that they sent out to all other other servicers that farmers can get up to twelve months worth of errands now on the FHA rules FAQ role is completely different and this is important for your listeners to understand if you have an FHA rule FHA wrote FHA will allow six to twelve months worth of forbearance so they'll give you six blocks at a time but again you have to call your servicer who is the company that you write your checks to and request forbearance now the difference between winning may Freddie Mac and FHA the FHA has stated after the twelve months worth of forbearance they will allow you to allow farmers to add a second loan with zero percent interest on the backs all the missed payment you made for the six or twelve months there will be a subordinate loan added at zero percent interest that no penalty to the borrower that will be paid off when you either refinance or sell your home the T. and there hasn't been any rules released yet for VA loans Ross I would I I would you'd you know share that with you listen it's a constantly moving thing right now and we're trying to stay ahead of it the best we can why are they offering forbearance for six to twelve months is that an indication about how long they think this may last sort of a hedge what will it be pretty macros of Fannie Mae and Freddie Mac is already have forty wrote written rules for their servicers to offer up to twelve months which means you know what they know okay that is it's going to be this is war I'm not trying to freak your listeners out but I I survived nine eleven I survived oh wait and I'm telling you right now eight we had what may be seven to eight hundred thousand people unemployed which was a huge hit to the economy you're you're talking twelve fifteen twenty times that number so what Fannie Mae Freddie Mac FHA are doing is trying to get ahead of it so you don't have bar were standing around the corner at the gymnasium is trying to do loan modifications like they did in a weight which is a complete
"eight hundred number" Discussed on WCBM 680 AM
"Them all in their their eight hundred number is three two one five five five five we'll be right back drive for the remainder of the afternoon on this Saturday with an increasing cloud cover and temperatures in the low to mid forties as when speaking out of the west and southwest around ten to fifteen miles per hour winds will diminish overnight under cloudy skies a little drop down to twenty nine Sunday tomorrow it will be warmer with a high near fifty degrees tomorrow night the low down to forty we went for the start the work week on Monday with showers developing and high reaching the mid fifties I Jeff more from the weather channel for talk radio six eighty WCBS every day doctors without borders teens confront hard faxing conflict in crisis when others might look away we step into act because measles still kills more than a hundred thousand children every year we're there to vaccinate over a million worldwide including those affected by the current outbreak in Democratic Republic of Congo because half of all maternal deaths occurred during delivery or within twenty four hours we just did more than one point four million births around the world including care for new mothers in Afghanistan because some countries only have one or two mental health professionals we offer counseling and clinical care providing over four hundred thousand mental health consultations worldwide last year including care for migrants and refugees on the dangerous journey north from Central America the fact is your acts of care and compassion make our life saving work possible to the impact we can have together doctors without borders dot org five things you need to know about measles in thirty seconds the vaccine was developed in nineteen sixty three in rare in the U. S. at low vaccination rates are now causing outbreaks that may put you at risk measles is highly contagious and spread easily when an infected person coughs measles can have.
"eight hundred number" Discussed on KNST AM 790
"Our eight hundred number is kind of hit or miss right now we have people that are getting in and we have people that you are getting a Verizon's says his number's been changer whatever so just use the the standard six oh two two seven seven five eight two seven four two today for today and that'll get you in and we we drop the call or name Paul who had so many nice things to say about it he never got his question asked Paul apparently our phone capture system captured your number wrong we get him to call you back if you're still listing there's an open line just for you give us a ring let's see if we can't get you an answer to the question you had at six oh two two seven seven five eight two seven go to Tucson bring Jeanine in the conversation let's talk about a cooktop good morning welcome to the program yeah I we could talk about each other but I have a cook okay that's all right about we are converting from an electric to a propane we have the propane already on the property and what the question is the size of the pipe happened a three quarter inch and the cooktop will everything out there the lactic well the the plumbing and the propane company will determine that based on the B. T. U. consumption of your cooktop up the cooktop you bye we'll have specifications saying if every burners on high it will produce this many BG use and then that B. T. U. consumption rate tells them what size I can tell you and leisure going with a very large commercial type cooked up in my experience half inch feels the need for virtually every normal is there such a thing residential propane cooktop but but let the propane company let the plumber make that call based on their calculations okay I well I I do we know good will that you haven't that they'll do the records but only fifty five thousand eighteen with all the burgers on and I didn't seem like December so much bigger no yeah yeah so we get a lot of big and if you have to run one see what the price difference is I mean there's never any Harmon over sizing it you know that's not to say the next person that's going to own the home or the replace that still doesn't put in a a cooktop and an oven tool burner that you know could produce for you know a family of fifty on me on game days exactly game days it is like the electric companies always build their building capacity for what the peak load is gonna be in August and the beer peak load is when you're entertaining I can't say that name the big game the big game again yeah well you can I you know if you said Superbowl hot yeah I how did the no I'm not talking about solid for my breakfast from for the farm our last hour could could I guess it could be you know we're talk about super salads scientists my super ball yes I love the teams that are in tomorrow's game that's for sure and and I do have a not that your fans of them you're just glad that it's not other teams have been there repeatedly near past fresh faces yeah save but I I I love the story behind the Kansas City Chiefs in the fact that they're back after fifty years the real trophies the Lamar hunt trophy that's the owner of the cheese would it be great cool well no that wouldn't it be great for the Hans to bring natural feel this year after they're saying let's get one more in before top of the hour Tim welcome to the broadcast we are loaded up on a call Hey it does say I love the so so really good talk with him but I I have a house it's not it's just big enough to have two AC units one sort of north and one at the south end and the other one of south and probably about to go out fairly soon it's pretty old one and I was wondering if it would be practical to replace it without a split system but part of the reason I'm asking is you know where where would I put the unit yeah so like we got a patio on the back and that that would be nice to put it there those would be recommended for a long ways okay well hang tight ten that were hidden top of the hour news we're gonna start a new hour and.
FCC votes to set up 3-digit suicide hotline number like 911
"The FCC is setting up a new three digit number to reach a suicide prevention hotline once put in place the number will be nine eighty eight to seek help right now the national suicide prevention lifeline uses a ten digit eight hundred number two seven three talk colors are sent to one of one hundred and sixty three crisis centers where counselors answered two point two million calls last year how long will it take for the number to become official it could be a matter of months the next step is a comment period before the FCC moved to an order sure we have lower Washington
FCC votes to set up 3-digit suicide hotline number like 911
"Once put in place the number will be nine eight eight to seek help right now the national suicide prevention lifeline uses a ten digit eight hundred number two seven three talk colors are sent to one of one hundred and sixty three crisis centers where counselors answered two point two million calls last year how long will it take for the number to become official it could be a matter of months the next step is a comment period before the FCC moved to an order sure we have lower Washington
"eight hundred number" Discussed on Biz Talk Radio
"Did call the one eight hundred number on these notices she was getting conflicting amount so and check here to see that you know you all for this year you don't offer this system better better it was just she was overwhelmed she was a rack couldn't sleep anymore at night all she wanted was a straight answer and she she found me on on line no she grew bolder tax a Turkey and found me online and you know one long story short I was able to get these account transcripts let her know and actually get a copy of the notices that she didn't get that changed older years returns and have her for those years that her refunds of the past new years were being applied to these that captures way back to two thousand nine two thousand ten two thousand eleven and she's like oh my god I didn't even know I owed back yes yes yes you're now and so you know I was able to even letter actually give her some real from peace of mind and some will leave that she had no federal tax liens you know filed on her home or her personal property she was currently under no type of enforcement collection action and by the IRS and she thought she was because the IRS assigned her to one of those private jet collection agencies and this is a terrible thing going on where taxpayers can be assigned to these private debt collection agencies by the Iraq and yet the Iran is deemed you currently you know not in a collectible situation and so they don't proceed with any enforcement type collection action of lean levy or seizure but yet they turn around and they stick a private debt collection agency after years just to see or feel you know yeah he'll arrange some kind of payment and yeah the taxpayer has the right to say I don't want to work with you to the private debt collection agency and say I want to work with the IRS and nobody knows that and you get the those notices you're talking about iris notices now you get this private debt collection agency notices on behalf of the IRS and this is what led her actually when I think about it this is what led her to me that was her last thing she was like I've been trying to work with the IRS based on the notices they mailed me I'm not getting a straight answer I'm getting continuous conflicting answers the mobile app the actor rest to go mobile app is giving me current balances down to zero.
"eight hundred number" Discussed on WCBM 680 AM
"Their eight hundred number is very easy it's three two one five five five five as I for an easy eight hundred number three two one five five five five and let me tell you about these loan officers they don't want any money from you they don't want a credit card there there just to answer your questions get you started if you're looking to purchase a home we'll be happy to a for free to run your credit report and by the way when you have a loan officer run your credit report it doesn't hurt your credit now if you're just running your credit report once or twice a month but if you're running at six or seven times in a month yes that will do slight damage to your credit score but there's no reason for that but if you give the loan officer permission to run your credit and then you tell a little about your income they can tell you what you would qualify for in a matter of two minutes with your credit report in front of them and you're telling them what your income is they can put you in a very very clear box of saying this is what program you should use you tell them what county you're looking in because different counties have different programs if you're a veteran you tell them that you're a veteran and you let them tell you where you would be that's what I try to do one on one with a loan officer he is the biggest thing when you call every one of these loan officers will give you their name and their cell phone number I want you to be able to have a loan officer at your fingertips whether you're looking to refinance a looking to purchase a home you know tomorrow the next day the next day after that and you have another question you I want you to be able to get a hold of the loan officer and these loan officers answer their cell phones all the time I don't want you.
"eight hundred number" Discussed on WCBM 680 AM
"Name and number I have all the loan officers in the office there I give them an eight hundred number it's very easy it's three two one five five five five as I for easy eight hundred number three two one five five five five give them a call and get yourself started it costs you nothing there is no obligation if you're looking to purchase a home here's what they'll do for you for free you give them permission to run your credit and by the way people call me all the time bill I should run my credit too many times no you shouldn't run it too many times but running your credit once or twice in a month doesn't hurt your credit but if you run it seven or eight times in a month yeah that'll have a negative effect on your credit but there's no reason to run at seven or eight times but running your credit just once and it's free let them know what you could find out what your credit score is if you have an issue this is the time before you find the house before you been running around looking at houses if if you have a credit issue and most people find out that yeah the credit isn't the greatest but it's okay and with FHA and VA financing all your credit has to be is okay doesn't have to be great navigating a conventional loan were you putting down ten or twenty percent then your credit score is got to be up over seven hundred well what if it's six seventy five find out now before you're out there looking at houses certainly before you find a house and you want to put a contract in on it let them tell you exactly what you have to do and they'll go through with you they'll tell you this is what you can do to get your credit score up ten twenty points anybody can fix their credit give them a call you have them all in the office their eight hundred number again is three two one five five five five that's how you get started you tell a little about you once they once they have your credit in front of you of them and you tell them about your income they can tell you what programs are available for you what does you know what your maximum qualifying is and then you can go on the internet and look at houses and then when you have a question and everybody has a question when they're buying a house you can pick up their phone you can pick up the phone and call you have their cell phone number you wouldn't believe how many calls I get on a Saturday morning or a Sunday afternoon or eight o'clock on a Wednesday night that some that somebody's writing a contract and they have a question they want it they they don't want a web page they want to talk to me or to a loan officer get their name and cell phone number I promise you this is one hour that you don't get voice mail they're all sitting in the office and their eight hundred.
"eight hundred number" Discussed on WCBM 680 AM
"CVM your listening to our underwriters corner and your host Phil Parisi welcome back to the underwriters call on our you know I started talking about the renovation loan and I you know I always say that VA is the best financing around for our veterans especially when you're doing a refinance a veteran can borrow up to a hundred percent of the value of your home so if if your house is worth three hundred thousand euro two fifty if you're not a veteran you stop that eighty percent of three hundred which is two forty they won't give you a nickel but if you are a veteran you could borrow up to three hundred you can walk away with with forty five to fifty thousand dollars there is the renovation loan if you are just borrowing this money to do home improvement and I mean any kind of home improvement from the roof to the basement you know whether you need a you Dave you have water in the basement in a French drain maybe a roof is leaking you need of Roo roof on that house you couldn't do any kind of home improvement all you do is give me a contractor bid of how much it's going to cost and by doing that I'm going to give that contract to be to the appraiser and I'm gonna say appraiser I know this house only worth three hundred thousand right now but this is the work they want to do with the gonna put a new kitchen and they're gonna put new carpeting in the gonna fix up the bathroom and they want to put some windows in whatever it is how much is the house going to be worth when they put that new kitchen and in the new bathroom and the carpeting and painting or whatever they're going to do how much is it going to be worth at him looking at war her looking at these contractor bids maybe maybe you needed to borrow you know sixty grand well the houses were two fifty I mean the houses were three hundred you know two fifty nobody's going to give you sixty thousand dollars not even if you're a veteran but if the appraiser tells me no maybe the house doesn't go up to three hundred and sixty thousand but maybe it's for three twenty after you do that work I can lead you up to a hundred percent of what the house is going to be worth so if you two fifty and he says the house is going to be worth three twenty when you're done I can lead you up to seventy thousand dollars from two fifty to three twenty and here's the reason I can do that I don't just hand you the seventy grand and hope you do the work you told me you were going to do I put the money in an escrow account soon as you get your contractor out there he has six months to do the work you told me he was going to do with this contractor bids as he starts to do the work we pay him and draws from the escrow account so we know the work is going to be done well you don't get the money it's a terrific program if you're doing a home improvement have you not doing home improvement you are subject to eighty percent of the value of your home unless you're a veteran and you can go up to a hundred percent so with the renovation loan you can go up to what the house is going to be worth and you can go all the way up to a hundred percent of that so anything you want to do to the house you can do one of the renovation loan I told you before I break I have a book on the program you can call the office again their eight hundred number is quite easy it's three two one five five five five they have a cop they have a book we'll throw in the mail to you and I I wrote it and it's written in plain English it has pictures and it's only fifteen pages it tells you how this program works and it is a terrific very unusual program now we also have it on our web page if you want to go to our web page our web pages are name first preference dot com that's F. I. R. S. T. preferences P. R. E. F. E. R. E. N. C. E. first preference dot com and the whole book is there now I personally like to get a copy of the book I'm a great bathroom rating but if you want to go to our web page first even you called them there that call the the loan officer have them thrown in the mail to you have it in two days it's free but in the meantime if you want to start the book and go into the web page you the whole book is there you know what else is on our web page is a little quick many application it only ask you for name address social security number and what you want to do and where you work it takes two minutes to fill it in if you fill that in and send it to one of the loan offices I promise you one of them will email you back within the hour and answer whatever questions you had on there there's a comment section to whatever question you have and I'll tell you if they're too busy I personally will get back to you so within an hour or so you will get a response from us I don't want you getting voicemail I want you getting a loan officer and their cell phone number so that you have a direct line to them and that's a great way to get a hold of them but if you want to get the copy of the book again the eight hundred number for the loan officers is three two one five five five five you have them all sitting in there all right let's move on a little bit from refinancing to purchasing and this is a great place to start you can use the renovation loan when you're buying a house I got a call from a guy he said bill I have I had my eye on this house for years and it finally came on the market and he said you know when I went into the house it's great from the outside but when I went into the house it was an old couple that had you know had the house they have renovated anything the kitchen was from nineteen fifty the the carpeting probably was as old as the house and they did renovate the bathroom one bathroom they renovated but the kitchen at you know they did some little things to it but they left the old appliances who renovates their kitchen leaves the old appliances and here's the thing No Way in gods or if I'm buying a house without central air they had a couple of window air conditioners in the back bedrooms that was it and he said you know I almost walked away from it I heard you on the radio talking about the renovation loan so I made them a lower offer I mean that the house needed some work it it had an old kitchen and all bathroom well the bathroom was okay but any new carpeting throughout the house and it needed painting and you know it J. David some updated needed a good twenty thousand dollars worth of updates I made them a lower offer they accepted it and bill I used your renovation loan and I did thirty thousand dollars worth of work to it and I got the house just the way I wanted it I had a guy put in central air I had the kitchen completely re done and I put new carpeting in the house it is terrific so even though you don't have the you know maybe you don't have thirty thousand dollars to go into a house and then fix it up like that but you can use a renovation loan the renovation loans an FHA loan it only requires three and a half percent down payment so if you buy a house for two hundred thousand three and a half percent is seven grand that's all the money you need you can negotiate with the seller to pay your closing costs so all you need is that seven grand and then using the renovation loans you can borrow as much money as you need to do any repairs or renovations you want to do the house and I'll tell you something else nothing has to be done ahead of time I don't care what's wrong I don't care if the roof is actually leaking there's a there's a bucket underneath the roof that they're catching the water or if there's water in your basement and it needs it needs a French drain nobody else is going to give you a loan on a house that has a roof that's leaking or water in the basement or choice that's broken all windows that are not going up and down nobody's gonna give you a loan on a house like that I can with the renovation loan nothing has to be done up front you don't have to have the seller doing anything just make the Celeron offer I mean he knows the roof is leaking those water in the basement he knows the windows need replacing make him an offer and then you can use the renovation loan even though you only have that seven thousand dollar down payment that's the all the money you have in the world and this house is going to take twenty thirty forty thousand dollars to fix it up you can use the FHA renovation loan get a copy of the book called the office to grab a loan officer get their name and cell phone number because you're going to have questions after you call will get them to throw the book in the mail to you their eight hundred number again is.
Broken Promises: Teachers Sue U.S. Over Student Loans That Weren't Forgiven
"Support for this podcast and the following message come from Google from Connecticut California from Mississippi to Minnesota. Millions of businesses are using Google tools to grow online learn. How Google is supporting businesses in your state at Google dot com mm slash economic impact now we haven't n._P._R.? Exclusive one of the biggest teachers unions in the country is suing the U._S. Department of Education. It's alleging that alone. Forgiveness Program for millions of public service workers is in in such a shambles that it is illegal. N._P._R.'s Chris Arnold has gotten a copy of the complaint filed in court today and he brought us this report. The programs designed to encourage people to work in public service must either governments or non profit work so nurses nurses police officers librarians teachers. All kinds of other jobs congress said more than a decade ago that basically if you make your loan payments for ten years and you work in public service the program will forgive the rest of your federal student loan debt that. That sounds like a really good deal to a lot of people and more than a million have filed official paperwork for the program but the Department of Education is just cannot seem to get this right they keep making mistakes and are not appropriately administering this program I am the Congress has created. That's Christopher Peterson. He's a law professor at the University of Utah and a former top attorney at the Consumer Financial Protection Bureau and he may be understating things. Here's a number that you need to know one percents percents but the education department's own couch of the people who think they've made their ten years payments and they apply for loan forgiveness. Only one percent are getting approved that means if you took all of the people getting rejected and got them together other into one place you'd have football stadiums full of nurses firefighters teachers law enforcement officers that are seeking to have their debts forgiven having made all of these payments under the impression. Question that they were on track and now they're being turned away in droves this has sparked a growing number of lawsuits many against the loan servicing companies that manage student loans for the Department of Ed but Peterson says this latest one ratchets catches up the pressure. Here's a teacher's Union representing one point seven million members suing the Education Department Randi Weingarten is the president of the American Federation of Teachers and she says this program is hurting the very people its supposed to help and it's so broken so broken that it violates our basic United States constitution requirement of due process the basic fairness clause of the United States constitution and that is the core of this lawsuit okay so to understand what's going wrong here. We're going to zoom in on just one of the lawsuit's plaintiffs okay well. My name is Debbie Baker. <hes> I'm actually a music teacher. I knew that <hes>. That I had the correct employment I mean Good Grief Public Schoolteacher Oklahoma teachers don't make that much many and they certainly didn't then and I thought this is great so back ten years ago. Baker says she looked under student loan statements called up that eight hundred number and and said I WANNA do this public service loan forgiveness thing that's what the Department of Education tells people that they should do that number connects you to a loan servicing company which the government hires to advise people with student loans and collect their payments. I called them up. I told them I heard about it and they explained that basically went on income sensitive repayment plan and that after you've made one hundred twenty payments you could apply for the program so it was it was that easy bigger says each year here she'd call back do paperwork and she'd say I'm working towards public service loan forgiveness ear Liz everything good qualifying for public service loan forgiveness and they said okay great over the years she dealt with different loan servicing companies. One of them was navient. And one of the nation's biggest and as the ten year finish line approach to Baker was getting pretty excited and right then she didn't have a lot to be happy about her adult son in his twenties had been stricken with a degenerative disease. You know he was living at home with us on mm full-time care we were caring for him. <hes> we put my mother in a nursing facility and so this was a bright spot like this Kennedy great but that seventy six thousand dollars in student loans did not get forgiven because in the end Baker was told that she was in the wrong type of loan and so none of her payments over the past years counted towards debt forgiveness if somebody at the call centers would have just told her that ten years before she easily could switched into the right kind alone to qualify for forgiveness but she says nobody told her so that never happened and when this hit I just I didn't know whether to cry throw up. Get Mad. I just didn't know what to do. I honestly did not think the federal government would do this to someone the. The Union's lawsuit alleges that lots of other borrowers got bad information too and also that services aren't keeping track of how many payments people are making that are supposed to count towards loan forgiveness. The loan servicer navient said in a statement quote. We understand the frustration borrowers face in navigating complex federal loan program which is why we consistently advocate for policy reforms to simplify the system the lawsuit from the Teacher's Union wants the court to take more immediate action Christopher Christopher Peterson. They're asking for a court to order the Department of Education to go back to the drawing board and try to redesign this program to make sure that that the public that teachers but also firefighters nurses police officers that they're going to get a a reasonable the opportunity to have their debts forgiven. They were promised by Congress. The Department of Education is not commenting on the lawsuit yet. The Teacher's Union is also asking for an effective appeals process for people who believe that they've been treated unfairly. We should note that the department.
"eight hundred number" Discussed on Biz Talk Radio
"Six ten three six three eleven ten as you know on Monday we lost we got we are no longer using our eight hundred number we wanted to say that twelve to fifteen thousand dollars that's what we are doing most people call in cell phones so there's no cost anyway anybody that has a land line last there are still a few of us that have a land line last they probably have some sort of package they don't even know about unlimited long distance calling so that's the route we want to go it hasn't deterred calling at all boards it was cool all day yesterday three hours so good news six one oh three six three eleven ten six ten six ten three six three eleven ten if you want you your call up six ten three six three eleven ten you can do that I know we have some questions on Facebook those watching or F. I. S. M. website or financial issues dot org website are you approach your questions on there as well so we will be be watching for that as well get to those questions as are as the morning goes on so anyway terror still going to be very much front center by the way make no mistake about it this upcoming week nothing is going to change our obviously now we have new issues with your opinion issue where we're talking about a hundred billion dollars worth of goods possibly terrace your on six a little bit deeper dig their heels in trying to battle no inflation and monetary stimulus which is not monetary stimulus but none the less that's what they want to call it it's all they have left them no one munition so they have been working these negative interest rates now for years it has done nothing nothing you can do all you want with monetary stimulus you can give money away as zero percent interest and it's gonna be very difficult stop anything when your economy is struggling people are gonna take zero percent interest rate and get in debt if they can't use the money that they borrow to expand their business to grow their business because there's no demand and now we've got a global demand issue so your not dependent upon consumer demand like we are I understand that but none the less has to be consumer demand Weatherby business demand or consumer around the globe for whatever it is they're going to export added there to try to sell the got to have that first early they don't have that so that is a problem needless to say and all the negative interest rates in the world are going to do nothing there and the not being a lost decade like Japan was that is now on their sixteenth or seventeenth almost lost two decades at this point for Japan expectations as I said with the eurozone stocks movie not because expectations are that interest rates are going to remain low so they're looking for yield people looking for yield they're looking to try to get some return on the money and they have no choice but to go into stocks because they can't get it elsewhere and with the notion that Christine Lagarde are from the I a mass is going to be the next European central banker she's a politician a good one at that but she's not an economist but she's coming in to take over that it is a political appointee kinds of kind of thing anyway barrier drop me a wonderful condom is hasn't been able to do its thing and maybe she is going to bring some sort of light I don't know what our house but I know Chinese got to be pleased with it because he has a very unique different great relationship with the communist regime I shudder to think what that relationship is and I will go there but I do know this she has an unbelievable relationship with China I know that because there's no way that China should be a reserve currency they were on a year's trial basis after one year before they were accepted solely as a reserve currency the day after they were accepted they started manipulating their currency backed down and they did it more than two or three times over the course of the next year and a half or so it didn't matter they were in as if they weren't as a matter of fact before they were accepted and I think it was two weeks before they they are manipulating their currency down that means they did it with an enormous amount of confidence they did it with an enormous mastery we only have to watch people's behaviors and we get figure an awful lot of things out you got a Chinese communist regime that has wanted to be in that basket of reserve currency for many many years and they had been denied they were on the verge of finally getting that after about eleven mines in it in in in their kind of law not officially in but in before they get became especially in and what do they do they manipulate their currency a little bit more down and they did that with a great deal of currency Christine Lagarde never even blinked didn't matter they meet any other requirements require for reserve currency didn't matter she never blank they became a reserve currency something's wrong with that picture just saying now she's the European central bank leader has a very unique relationship with communist regime by the way this is all speculation on my part I don't want to make it sound like there's factor that there aren't any there's no news reports out there talking about it there's nothing out there this is all speculation on my part for something I watched very closely and I have speculated over the years over a number of things on your chin only have been right on most of them and our logic behavior and common sense tells me that I'm right about this as well and we may not know exactly what the ramifications are that for a number of years six ten three six three eleven ten six ten three six three eleven okay after we as government has cut its economic growth South Korea being one of the strongest economies in Asia and they now I've also cut their expectations and inflation forecasts for the year Asia's fourth largest economy is now expected to grow two point four percent this year as opposed to two point five percent so are they are allowing that two thousand and nineteen gonna be two thousand and six our two point six as opposed to two point seven our expansion is is projected was rejected in December by the ministry of the economy and finance said that that in a semi annual outlook released yesterday that the ministry is is also lowered its inflation outlook expecting consumer prices to rise about almost one percent I'll say just below one percent so softer prices a little bit a deflationary happening and well bill and and below the projection of one point six percent anyway course Donald Trump under a lot of pressure lot of art criticism why parade tomorrow they don't think it's right Democrats don't like it because they said it seems like nothing but a campaign our rally and he's doing this using taxpayer dollars I don't think it's anything wrong with their great parade in the fourth of July in our nation's capital and I don't think there's anything better than the military showing off I would have rather the parade be on Friday or Saturday or Sunday even just so the fourth of July holiday could have been spent with families that might have been a better situation but none the less he's coming under fire off for that we'll say very interesting about the federal reserve I'll talk about that a little bit let me go to phones by the way six ten three six three eleven ten let me go to David from Florida Hey Dave good morning good morning stupid is as stupid does before I came a partner about three years ago silver in my portfolio and it's just been there the whole time now I think about it or he did it with the be advised that slowly spell it out or just dump it can get money invested in the mail what I can get out of it or just leave it there and let it ride well we're in a rising environment right now with with stocks over you know it's up to fifteen fifteen thirty five and I am so we are in a rising environments over tends to be a little bit more volatile in Gaul than gold although that has not been the case over the last few weeks but nonetheless it is rising I would probably wait it out at this point Dave it I thank god you might be able to pick up something I wouldn't wait too long do you physically own this over no overstock silver stock were you having benefitted then from not rise by so our boy yeah three years and and done really not yeah thank you with all the others yeah I mean you know it's it's I wish I I let me just say this I believe that it should be going off because of the global pressures around the world so we could see a silver continue to rise I cannot speak to how it helps the are easy ask whether stock that you're in because that's a whole different story I don't I don't like those at all bite I would I've gotta believe that it should be positive for that and I'd probably waited out a few more weeks see what happens well a little bit yeah yeah all right well thank you very much and have a blessed you too thank you David I sure appreciate it let me go to Mike you know what Mike I'm gonna have to hold you off because we're right up against the break and I just have to cut you short so shoes we get back from the break Mike will go to you by the way phone lines open six ten three six three eleven ten stand three six three eleven ten so you can argue your call six ten six three eleven ten all right well go to break we'll be back we're gonna take your phone calls let's take a look maybe a social media see what we have there from Facebook from FIS.
"eight hundred number" Discussed on Racing Post
"To one eight hundred number and selection Stevie Brooks cooker, I mean, isn't each way bets and nothing there. He's got nearly went on the board one the CJ Cup. So he's already banked two million. I don't see how cook it doesn't banker fortune again this year. I think even Dustin Johnson of the standouts in that market. If you want to meet, your turn tips big process of Arum wise will ever will progress again this year when multiple charges and the greyhound the greyhound to cut the towels, but some in east to make sure he qualifies for the big ones. Because all these money lists come down to the big ones, really. Yeah. The particularly if we get onto the rights of you you need to to need to perform in the main tournament strive any hope, and I think yeah. For your mom for the US news, who's your mom for in to to against the I like, I like shoplift still there around seven eight thousand Mark like he's already got three million looking out lashes one around six six and a half million got you into the place. So he's already halfway there. And as I mentioned earlier with the major winds sees potential to go right to the very top. So I think they're still juice not seven eight to one on a Steve Angeleri, like common champions. But he's already got one the half million in the boars whereas win in the silence of farm championship. And again, his potential is God knows how far he can go in the game. So I think those are two seven two hundred twenty one currently Woodall's okay in this ever changing world is it still cool. The European order of merit and the race race race to depot. Okay. Well, yes, we're we're four places here. Tommy Fleetwood has the bending at nine to two Justin Rose eight to one John round nine to one Francesco narrowly tenth one ROY macaroni ten to one fourteen to one bar and Steve visual fancies for that turned out the top two in the market. Justin Rose is got new clubs told me Fleetwood needs new. Hold on noise. Luxury Japanese brand. But yeah, he's telling you may contract came to an end and each switch..
FDA to ban flavored e-cigarettes at U.S. convenience stores
"Sutherland convenience stores and online retailers no longer be allowed to sell sweet tasting vapes. Like cotton, candy and cherry bomb to young people. Under new rules proposed by the FDA Commissioner Scott Gottlieb says there's an epidemic of nicotine addiction among the nation's teens seventy percent, right. You're year two thousand seventeen to twenty eight hundred number of high school kids using it to the nation's leading e cigarette maker. Announced earlier this week. It was stopping store sales at some flavors to deter used by miners. The FDA also wants to ban
With teen vaping up 78 percent, FDA gets tougher
"To twenty eight hundred number of high school kids using e cigarettes today shins leading e cigarette maker jewel announced earlier this week. It was stopping store sales of some flavors to deter used by miners. The FDA also wants to ban menthol cigarettes. Lisa. Thanks. Rachel two hours left in the Florida election recount, unless a federal judge extends the deadline for Palm Beach county where the elections chief says a computer problem left some ballots out the judge has already ruled that Floridians should have two more. Days to fix ballots, if they got late notice that the signature it didn't match what was on file FOX's Peter juicing. Judge ruled thousands of ballots were tossed
Michigan man hospitalized for rare cobra bite; officials scramble to find antivenom
"J mart, zone, Jeff Schwartz's at, GAO, f f, Schwartz And, hashtag, animal thunderdome time, let's, do it Ladies and. Gentlemen boys and This piece pizza, chicken times Animal thunder All. Right boys what's your guy? For me Danny Michigan man hospitalized for a rare Cobra bite And. Officials have been scrambling to? Find it anti-venom any coincidence that Claes in Michigan I was about to say is that Michigan man's last name Travis and did he have a sort of failing, pants business medical officials rushed to find an anti venom for a pin conning township Michigan man who was bitten by his pet albino Cobra The family pet that turned on, him the twenty six year old man whose, name has not been released maybe Klay lied about his age he was bitten by this family. Serpent and just twenty minutes later he became nauseous and began began to vomit a symptom of. The Cobra's venom the albino Cobra which is native to China. Cambodia and India among other, places has one of the fast? Acting. Snake venoms in the world the man was rushed to a hospital in bay city later airlifted to the Detroit medical center after, the venom paralyses respiratory muscles causing him to stop breathing So there they were puzzled medical center officials reached out to the Toledo zoo at Ohio to try to get an anti venom then they went to. Three other cities to get anti. Venoms nothing worked but I have an update here Miami Dade County, came to the rescue they had they sent twenty miles of a unique anti-venom, medicine to the, Detroit medical center via a, commercial flight the vials were administered to the victim through an IV the same day they arrived. The man now remains of the Detroit hospital but officials say that thanks to Miami Dade County he's on his way to recovering from the rare venomous bite So this guy you said this Cobra was, his pet yes that's on him a hundred percent. You can't have a Cobra as a pet that's on you They said he got twenty eight total vials I doubt I doubt. Detroit is keeping keeping on hand Cobra anti-venom Yeah you probably should not have in Al Bino Cobra. As. A family pet shouldn't have a snake as a family pet correct Yeah shouldn't be allowed clay has taken a hard stance against snakes during the. Animal We all. Have, everybody on this. Show I think has just not a big fan of snow Co-host snakes either about three weeks ago. Was leaving my chiropractors office I felt this thing. Slither by me and you could have. Sworn it was going to be like a, giant crocodile I jumped. So high in. The air he was like a foot long gardener snake. Green little baby snakes I did not, I was, not having you get away from me buddy Dumont. Playing this game I don't snakes here's our conversation no there are. A couple of women in this life this earth. That are there ten snakes hot but. Not many that we're doing we're doing that, again that's a great. Topic which which. Which which ladies in this world are ten snakes hot None Just a couple of Danny come on quickly. Boys this is a dog. Story we don't get many of these on animal thunderdome Wehner. Dogs You know a Missouri. Sheriff's deputy was rushed to a hospital and underwent surgery last Tuesday after he. Was attacked by a dog while serving a sim civil summons no, one answered the door at. The residents of the Jefferson County. Sheriff's department deputy notice there was, a side door that was partly opened FOX two of Saint. Louis, reported. So the deputy approaches the door the dog emerges. From the rare the house. In attack the deputy died latching onto his face oh jeez Now we know deputies their jobs are hard enough as. It is this dog bit into the deputies left. Arm as, well he was able to reach his weapon shot the dog once. In that enabled him to free himself the department posted an image to Facebook showing. The deputies blood-soaked uniform and bulletproof vests the homeowner told police that the the. Dog was a pit bull according to the St Louis post dispatch, the animal is expected to. Survive from the gunshot but animal. Control officials will decide what happens, now to the dog I think we all know what's going. To, happen Bye bye Dog is. Definitely. Done The crazy part about the strap, not seen this story but, I guarantee on Twitter people are pushing the officer for using his web, dog that attacked him even though I'm sorry if a. Dog, latching onto your no I'm we agree that he. Did the right thing We There, people there are people on this, earth the value the life of a pet over life of. Human, absolutely. Right no question about. That I think we got a. Minute here's another snake story quickly residents in Pennsylvania town in east, Greenville being warned to keep an eye out for a run. Away boa constrictor that has been missing for, weeks seven foot snake named Vinny sounds like a guy you call an eight hundred number to get gambling tips from reported missing in the. Town although investigators said they quote considered the matter closed after determining, that the reptile hasn't been seen in about four weeks on, quote They closed the matter Slither around these slow around take down. A dog pretty soon the final he's all he. Did was lie low. For the investigation, down the owner says there's a chance ten year old snake is hiding, somewhere in his house but locals are still being urged way how can keep an eye. Out for the snake how big is the house where you can't find a seven foot? Snake in your house That's a really good point Clayton In the house and I could find a. Seven foot snake in my house how about? A seven foot snake. Named Vinny that's a boa. Constrictor For your free. MAC football season coming up I, feel like there's a joke that..
Woman shot and killed husband because he beat family cat, police say
"Hi welcome back it is ben ferguson show really nice to have you with us and if you're just joining us we we're chatting tonight about animal rights activists are coming to the aid of a woman who shot her husband today because she says he was beating their family cat she has two sons who were in high school the neighbors say they were normal good nice people and they got an argument saturday morning and she shot her husband because she says he was beating the cat now activists are coming out to her aid saying that they are going to start a gofundme page for her legal defense fund and saying that it's time that we protect animals the same way that we protect humans she should not be in jail she should not be facing charges she certainly shouldn't be charged with murder because she was protecting an animal all right let me go to your phone calls and see what you think the number five three five the eight hundred number one eight hundred four seven four nine seven three to the patriot mobile dot com phone lines are open one eight hundred four seven four nine seven three.