35 Burst results for "Eighty Thousand Dollars"
Baa-a-a-a-a! Pesky goats block Trump motorcade en route to New Jersey golf resort
"Talk about the worst news of the Week I. A small herd of goats is responsible for blocking the presidential motorcade last weekend and Don go. Go Young Donald I was trying to travel to his golfers or in New Jersey obviously because we're in the middle of a pandemics where else would the president be but a golf resort? And our our good friends the goats would had the good sense to get in the way disruption protest goats. Did. We have any doubt that are abolitionist goats that we feature regularly on this podcast would be on the right side of history. I did it. I knew. Yeah. Fred started as the Harriet Tubman of goats, and now he's becoming the Malcolm X. of votes. He's saying protests violent protests necessary. I'm just GONNA foment. Insurrection via goat. We love a political goat lava political goat I mean maybe especially because these goats technically work for Donald according to a White House pool report, there was a brief poss- during drive onto the property to make way for a herd of goats that live on trump's property. He gets a tax break a property tax break known as farmland tax break worth nearly eighty thousand dollars a year on his golf resort because it's supposedly doubles as a goat ranch. According to the Wall Street? Journal. Yeah. So I, guess there's like a a loophole for landowners. Who if you say that you're like property is technically like an agricultural project then you get fucking tax break. So you know what this makes me WANNA do. Primal, SCREAM That's fucking primal. Scream I mean within I haven't like truly truly gone off on this pod. It makes me so mad when people call Batman a businessman, he played a businessman on TV he. Hey businessman that's. It's insane. It's like Meryl Streep was not editor in chief of Vogue magazine. Okay. She should be but she's not. But yeah. Apparently, the trump national golf club in bedminster maintains one hundred thirteen acres of hay farming and eight goats, eight goats, and you get eighty thousand dollars a year. It's ridiculous. It's not enough. Goat's remember when that person last time by bought like five goats and it was not one hundred dollars was not that much. So apparently that's all we need. We can go in together on five coats and get. Nearly. One hundred thousand dollar tax break. Let's do it I'm
Twitter Will Be Fun Today - The College Kids Who Hacked Into Twitter
"Today's guests. His Hip Awan CEO of Afani. Secure and private cell phone service locum his Heeb. Thank you Laura for home. You'll show. You were one of the investigators in touch with the young people who hacked twitter last week and gain control of prominent accounts, including those of Joe. Biden Obama Elon Musk and others as well as those of crypt companies like coin, base and finance, and when they had control those accounts, they were soliciting bitcoin from twitter users. How did you get in touch with the hackers? So Laura be in like. four-time itself, so then after I was so pissed off that angry that I said I need to solve this problem, and so I've entered into a form that relates how they have those accounts holiday getting pretty much all the ring of how they operate so. When you say that they had had your twitter account, nor they have my Sim Sark four times. Okay, and when you say Sim, swaps just described that in case, listeners does up. Does improper pretty much. What happened is like someone will take the form so the underground market like think about Ebay, but like I knew democracy with information. So you said your name, your information social security number your call logs your life, your life, location or anything on you. If I say hey, I need to find out for Laura Shane telephone number, and they'll give me telephone number will give me a call loss to give you. An everything comes through telephone numbers of numbers unique, and then if I say. Say Hey. I need to take the phone number 'cause I need so they will just prophet abuse him that I control, and I need to pay them few hundred dollars now. Your formula not work anymore because I had control of Sim card, so then I use that telephone number to get into a g mail, facebook and twitter, so if you go on twitter, new likely rescinded to email our number. If it's telephone number you've got. Someone's adopted very common technique deployed across US for a long time. So. The twitter hack twitter said that their employees had been socially engineered, and that's how these hackers gained control the systems. Are you saying that? Some twitter employees have their account. Sim swapped like how how does that you or Simspon tried? These people relate to the twitter Hack Greg? You wanted to ask me like how to get in touch with them so I'm trying to understand. You, that of analysis himself, so started going into the industry into this form than trying to see how they operate and to Dodd funny, so which will provide the made acadia that probably that cannot be Simpson's. That's what we did an offer that. VINCI START GETTING customers. Have you would actually getting a lot of attempts to do so? You would getting Dempsey pretty much every week that someone prior to himself or customer, trying to like hack into our system and mend the failed. I got in contact David Mayhew call, they would email method you and they will do all kinds of attacks. You know they'll try to let pen to pen tests. The everything did and obviously in one of the cases restocked immunity stopping messing around it right I know what you're up to. And after I got in touch with him to signal and author that the lake. Not I won't say that become a friend, but I told them why you're doing this. Thank you know you should not do this multiple hackers and they said okay. If you don't have anything to do pretty much, does it okay? Why don't you get a job? He said job, and then they start feeding the all information to proved at. Legit than a lot of information and how I was getting information from a lot of talk of the vote. And when it all this happened that you got in touch with him and had it happened late four five months ago. Okay They were diverging to me not just for this hot, but for other purposes to ride like a kid discount. Lot of databases beach everyday, so they wanted to see that a hey. If I'm interesting in the database, just wanted to work pretty much. is not money. It's also about ego that they wanNA prove something that they would do something so. So Mike Context for not hacking, but they'll be into the songs that they had access to. That follows A. Up I didn't want to. Excessive today were passing me. Hey, today. This is for sale to do sports on tomorrow. This person's so on the deal stood attack. I got a message that will be fun today, and when this message I thought he'd be like a distributor barks. Like scam scams, and but after why? That's all the kind. We got attacked ten. Finance Accounting Noble at depth one time. I taught that it's just a third party API like you know you have like you know where your schedule. The in everything I thought that may be compromised, and that's how they got author. Riley said No. We have everything. A screen chart I tweeted screen shot, and after that is blue. Well and so, who are these people? who were the people involved in the actual twitter hack? The difficult to identity like frankly I don't know I can speculate, but obviously because someone security and privacy I don't want to speculate but I can tell you wanting like college. Kids are maybe like someone between eight, eighty, twenty, one, twenty, two, and they are video gamers. They'd metaphor armed, and they found fascinating for them. Dislike a game like you go into video game on you killing you do stuff for them. It's like that. They, probably living in some way or radio patterns right now in basement. Who does not even know anything? and. They just do it for fun. Obviously, money's there, too, but most of fun for them is just a today. And so originally. The way you got in touch with them was they were targeting these different cell phone accounts, and what does motivation and taking over the different cell phone accounts so for account you can actually to when people take account, they can actually destroy you financially emotionally ended up recently, though by financial I can say they can get into your county bank accounts ticket by Tiptoe through that they can buy a lot of levels of securities financially they can do. obviously going to facebook in an email to, and then they donor all information from your facebook, and then they start blackmailing you that. Hey, likely when a lot you have done this like you know you have this. And you have to pay me this information out there and a lot of people would have to pay them the money because they don't pay the money. They looted operation right so and then third party. They just become Parson Mike is the word processing me. blender used to take my county new. They cannot get anything, but they wanted to talk to me. Just fun for them like people. Some people are sick. Like how did they pick you out of all the different people that they could torture also the league, if not just me like everyday hundreds of people to get them soft, though I'm just one of them on average, every second medical become victim of since up, not himself but cybercrimes so. But I had the impression that this was primarily targeting crypto currency people, but you're saying it's any bundled nor I think eighty percent of people who was himself to an entrepreneur L.! And the new in the cases of those people is it like personal vendettas that they're trying to? You can make more money by a hacking Lord cell than anything else you know. is one thing but Lloyd is like one number one target Loyd and has professionals league doctor medical doctor then. In Lord other number one targets in suffers, and what is the motivation for targeting lawyers Don. Money don't happen. How do they monetize that Yeah, so I tell you doctors, basically busy less tech, savvy and rich. It's that easy to find out any doctor information. You can find out who the best doctor in the city and you consume. Stop Him. And once you get into that account, you can transfer money between accounts who can be that people have been? Going into the count, Simpson calling the bank making via transfer, and then just checking accounts. That's pretty common. For for doctors to clinics have a lot of money. If you'RE GONNA clinic, instead he did even like five hundred hundred million dollar distorted the front because Alaska. Election for them. Okay, so let's go back to the twitter hack. They were some names that were identified of people who are involved these names. In The New York Times article that quoted you as a source one was kirk. There were some other people ll and ever so anxious. Who were these people? And how did they know each other? So they don't. Know the Best Birdie. They just hang out on rooms like chatting channels lake similar people on developed talked with you. The pirates channels. We had people a go if they WANNA have information to the document industry for finding information. If I want someone associated Gordon dissipates on one. Don't get call for these people trade information. And you asked about like a leg. Imagine your lawyer and you are fighting for my open kiss. We begin go to the website by that long since he will. They are who they're talking to the day can. Make some delays on them. That's one thing but other than that. These people are just a game as they would play like you know different video games and kick the die, who was basically a source of the rate industry rock says they'll be extra agents, and they are in room for longtime and David. Obviously you want you want something you don't trust the new guy. The new guy who is basically the main culprit punching the entity because multiple reasons, but the main guidance, the just which had A. Reputation. If you say you want a username of Laura at Laura, Shannon inactive. You may not trust kick, so you can do this. Middle Diane Tell Them Hey, can you hold the money for because you have a good relation? Because like Ebid forums generally have a petition systems. You know so then you ve into this guy like you know every inch it He went to care. Concur depended he the credit employees but I. Don't think he was employees. And, then he gave him the concert start building. So this is just a middleman. He was just broken deals. You tell them what you want. He was just keep his car and transfer the money. The is completed that fall. And so so kirk was was saying that he was a twitter employees, but as you said, you don't think that he was, and he was essentially selling valuable twitter accounts, and if people didn't trust, Kirk, they would use ever so anxious as their middleman to get the different twitter handles that they wanted. Is that what happened? That's correct. Good Gig, only unharmed on in July of. July it was very recently. that. He actually came so obviously not trust someone admit. That soon. July seventh in the New York Times article are. Limited okay, but all right so but ever so anxious. How to longer reputation and. And that was who people are transacting with. And so then. How did BITCOIN come into this? All. On these things happen through Bitcoins, so the way it started was they were selling. This twitter handles four bitcoin and then later. How did the scam change? So I. Personally is what I personally think. That kid was in touch with the employees who was giving these accounts. For a few thousand dollars. And then. Either bribed him. Architects. Social Engineering Him. Legs because like hey can do. This is my. This is purely my speculation that you're working for so long. He warned the trust. Any may have said Hey, can you log in forbid I wanNA see how it looks like something that he made it something so the guy is pasta on. Hey, just do it, but don't do anything crazy. You Know Butt kicked. Decide Okay, man I can just go on or can also go online with I can do it I can. Can also go on like you know. All those accounts crazy. That's what I okay, but you're just speculating. You don't have any proof that or or do you know what? I don't have any proof of that I don't approve. Have critic probably do it? And Kirk? Is probably a guy called coup, which is on a farm for a long time, so he speculated that he someone that was in the industry for wide, but not. Approved that. Kicked it, but from all the action than everything it all points to cook. Irene so in a moment we're gonNA. Talk a little bit more about what happened. Exactly I, in sight, twitter and scam, but First a quick word from the sponsors who make this show possible. How much in fees are you paying? CRYPTO purchases now crypto dot com as waving the three point five percent credit card fee. When you buy crypto apart from crypto purchases, you can also get a great deal on food and grocery shopping with crypto dot. COM Get up to ten percent back when you pay with their. Visa Card no card use the crippled dot com to buy gift cards for up to twenty percent pack download the Crypto Dot com today, and enjoy these offers until the end of September. Looking to connect with thought, leaders, innovators and blockchain enthusiasts welcome to T- forum a weekly virtual series about all things tasers. Equal, feature presentations about the latest advancements that healthy ecosystem grow together. Interested in speaking at t quorom, submit your presentation ideas and the tasers community will vote on who comes to the podium next sign up and learn more about the virtual series at t quorum dot com. Back to my conversation with his Heeb Awan. So, we don't know exactly how. Kirk got into twitter's internal systems. However Once. He or she did then what'd he do or or she do with their power? So. Kirk than they went to buy I think. Start with by notes I'm coin base. And the see your finance and he made it account Egypt first of all. What did it was did with other? Account. Okay, which means when you log in, it asks you to do a second type of security, which is hopefully. If you're in the crypto space, you have used something like Hugo, authenticate or key, and you're not using text message based second factor authentication. Where they sent a code your phone because otherwise if he gets swaps than than having no. Buyer so. Removed that and then keep going good thing. They added wall a secondary second. You know Autodata so now. I'll give example like you have my username seep, so they moved to a FE, and they're also removed. Jane, Email. And then they. Did possible reset. So the new email guard, the chain deposited garden the account. and. tweeted whatever they wanted. Well, and what were they tweeting? So, they were tweeting that you know. About Co. Ed Nineteen I believe like you know because of Covid, we like helping people. I don't remember the wording. Health Has Something and they said Back. And this is video any comments in YouTube. Actually they were so good that frankly sometime I get like you know Oh my God like the able to make it like a secondary thing. That's real you know and like, but this happens pretty commonly, and and it's happening for almost two years now i. It, really is the kind of thing where people think it's real I honestly. Had created a question for you, which is who are the people who are savvy enough to own bitcoin and know how to send it, but not savvy enough to spot. What to me seems like an obvious scam. Actually went on the Internet and are tweeted out this thing same thing I said like who are those people who can have sophisticated enough to buy Bitcoin, but knowledge to. Send. Bitcoin but I think leap Dick's everything. Like I agree people think okay. Let's give it a chance. You know it's like a lottery ticket. You know people may be, but they think what if this is true and other than that. If you like an must happening there, actually flaunted, be efforts on twitter. All the time with people are donating money on twitter, but they don't ask for anything they say hey, can you give me your Alfred Egland who this every day, so he will dollars to off fifty dollars for every person everyday. You'll say. Retreat this. I'll give you this money. So this happens right now and obviously As hit audible, read like you know when viewed come in people, people forget everything that you know. We have so many Ponzi scheme like so many scattered that happened that exist today could if I come to unity Laura investment scheme, which is a pretty good you know. He hit all the MACHIDA. But it only gives you five percent. You may not listen to that. Say Hey, Lord the Child who may tennis money tomorrow. You may skip everything. Cocaine is thousand and ten dollars tomorrow. Okay I'll take the risk from doing that. Hopefully I'm sure my listeners are savvy enough to know if it sounds too good to be true. But people do that I. Think I have estimated that around like maybe I. Just in this journal given us cam like. He put a lot of tens of millions of dollars and well not last week, but no, not over time overtime. Yeah, yeah, we'll be sending money, so there are enough food. I guess yeah over I mean for last week. The hackers did net about a little over thirteen bitcoin, which was about one hundred twenty thousand dollars, although analysts said that about twenty, thousand of it seems to have come from a suspicious address that they actually think controlled by the hackers to kind of make it look like this was legit and people were actually sending money. But then also by the way they could have netted more. However, Cuevas said that it did prevent more than one thousand customers from sending about two hundred and eighty thousand dollars worth of Bitcoin to the twitter hackers so oriented, so let's talk a little bit also about just what happened in twitter which was? Twitter blog posts. Hackers a targeted. Thirty accounts for forty five of those they reset the password and sent tweets from those accounts for eight of them. They actually downloaded that counts data, and then for thirty sixty legitimate direct message inbox, including one elected official from the Netherlands, and it was who. What do you think they could do with such information? I think it's A. Black, man that I've been talking to you about what happened with sin sopping. Let's think about it if you have first all that fool Phoolan that why didn't put? It wasn't like planned. I don't believe it was just like in the move in the heat of happened. BANDAIDS slaves. They clearly guy who just got drunken pretty might do everything but I think if you have access to like anyone, social media, proper social media like I have been I've received. Messages. And I but I don't believe that I think we have forged around. Believe the electoral, so, but if you have someone should media that maybe confidential information that can be misused by Stacey when leg if you do about it on dedic messages, a you know that's not confident that even with the journalist visceral broads. You know so I. Don't know who the information was. What fast, but that's video very very concerning and I believe this may happen on facebook or other social media from his. Because to same. Attack Factor. Yeah I definitely think that this is. One of those cases where it makes you want to just use encrypted social messaging APPS. Such as like signal or something, maybe what's up? So, let's just also talk a little bit about what we said before about how the hackers were able to remove two factor authentication on these accounts. Well, actually what they did I was. They changed the email address. And then the chain Laras Oh, actually bid on a there was A. There was an email. There was a blog post by somebody who had the at six twitter account, and they said they believed that the hackers change the address, but that when that happened, it did not send a notification to the original email address, but not I don't know if this person was surmising, you know six hundred interest in history, those belong to a hacker. Their the community of Hackers Gobi Twenty six hundred. That's like a court for hackers right. Not a quarterback, just like community for hackers and you were the hacker who ended up homeless anywhere. They will do attack into I think he would to. And he went into multiple you as homeless, but he was a hacker. And oxygen community belong to sixty name. Is this secretly off? I believe his name. And, but yes, but I think the first drift was removed and then. moved. To the letter. Control of it now thought it was the reverse, but either way. In Like for any of us who are in the crypto space who have been? Keeping up with our security and using things like Google. or UB and avoiding. Text message based to a or or any kind of to a based on our phone number. What? Can we take away from this like? Is there any advice that you have for Crypto? People on how they can protect themselves if the services that we use have loopholes like this. Let's not that'll be biased in obviously you know. Will. Finding here, but that's what we do, right. We work, but a lot. Actually I am surprised at how many a compromise them security argue out stocking some customer yesterday and they do You know an extra seat is probably the most I can tell you I know. We are making like a faces, but at same part exit. She's most prominent used offer manager for probably ninety ninety nine percent of the word. What would you recommend instead? Use a password manager, anything manager pretty much everything in the top five six. It stood, you know. Don't cheat on family plan. out on like those like a caveman. This company go with a better company. Even if you don't go the final leg, that's fine at least hell better company like Dourthouse I'm plan because no fan mace. You make you very vulnerable to now you're putting your own life on risk, but everyone who is in the time is. You know and the third party. Don't give out your telephone. Number molasses everywhere. You know like. Don't go to like you. Know have different email address if you want to. And you let you. At Google. Authentic get off your. There's something at one time I have statistics, said ninety five percent of people who are like major changes. Do not have to a fait. Sms I'm talking more to a and I think ninety nine percent of those are what you estimates to say. The people who've been additives Everyday I have started I deal with at least two or three people who get up everyday and came and we had some of the to affair, and I can get into that lot of people into the spark that they were not believe enough not to change it. please. Don't please don't be those people, but I can tell you like I've spent people and I said do this. Man How much time did it like five minutes six league. Logistics you Donald and APP, you know. have to familiar face. You know if you are very cautious, taken for a number, but I can tell you that Khomeini would make this mistake. Ordering will end and it you know, and in the end I did lose industry learn. That's was part. There was still use the same SMS to a fait. The dating did not happen to them. Again happened again. Because if it happens to once, you become more, you know your motorcycle getting out again. If they have found something and something, they just do for fun, and and you know what I because obviously I'm. Biased in a way that the. Customer. Time I've been a victim four times a feed Logar they can. What would you do? Please please please setup. SMS elected more music episodes into gear and please get family plan these I. Know You're saving their ten twenty dollars per months, but in the end you know if you call it a, it's like insurance. You can live without insurance to. But like you know. The one day you need insurance when you need it.
Report: Pujols paying Angels' Dominican staffers
"So no baseball season yet but altruism from angels veteran Albert Pujols who twenty eleven signed a ten year two hundred forty million dollar contract with the angels the LA times reports that holes is picking up the tab for lost salaries of angels employees in his native Dominican Republic those who were furloughed by the team holes covering a hundred eighty thousand dollars worth of five months a full pay for these team
MLB players union rejects league's latest offer
"On a return to work which will likely lead to litigation and the sports returned to a labour rift the union's action could lead to a season of about fifty games the players association could respond by filing a grievance that would be heard by an arbiter we're joined by ESPN MLB insider Jeff pastor Jeff as expected the players reject the latest offer from the owners the Players Association again asking the league to set a schedule rather than countering what does that mandated season look like what hello at this point because while Major League Baseball suggested that it will be in forty eight games that might do fifty games there's also the possibility that you could file a grievance against the Major League Baseball Players Association for negotiating in bad faith and breaching the mark agreement that has been part of this really part of the whole deal here and that would really blow things up so MLB's next move may be the most consequential of all but one of the players did today was was fourth pulling hand and and really show if there are going to begin this year we're going to get a sense of what they look like yeah you have that litigation as a by product of these negotiations so this is the last resort of a possible season and they'd also have to negotiate safety protocols which have to be agreed upon as well that said what's the earliest we can possibly see baseball played in a regular season boy it's tough to say at this point because I listen I'm not leaving out the idea that a negotiated settlement can come out of this you know the the PA today said I would feel like negotiations are over which is funny because honestly they never really started in the first place it was just to survive like talking over one another so I I still think there is the possibility of a sixty something games even if all the parties recognised just how stupid and self defeating this entire thing is and get together and get to see them on the board but otherwise if it's a forty eight fifty game season you know we're we're talking players not going to spring training for another month we're talking games not starting until after the NBA is scheduled to start at sometime in August and ending toward the end of September and then the you know just a regular playoff being played because the only way to have an expanded postseason like MLB and the players were both hoping for is that an agreement between the fact that in the absence of that we're just going to go back to the same one game wildcard out five game division series LPS World Series all right Jeff humor me for a second here our group is is known both sides know that in this scenario there is money that's going to be lost it's already known on both sides so why not anywhere in the range of sixty five to seventy five games full pro rated salaries and extra playoff teams like sixteen that's been bandied about so owners pay the players a hundred percent proration they get back some money with the extra post season games why couldn't that be some level of a compromise I think that's what the players were hoping for honestly and I think the players have gotten the sense that I think it is the the right sense that owner simply are not willing to do that they're not willing to guarantee the players one hundred percent of their full pro rated salary with the possibility of the post even being canceled on account of corona virus outbreak or or something else that that really could you know could derail the postseason there there is deep fear among the owners of the possibility of that eight hundred million plus dollars that they would get it from television rights in October just vanishing and in that money being important in their eyes to go and pay players yeah they they they are saying that their local television deals during the shortened season are going to be worth about nine hundred eighty thousand dollars per game they're also saying that players are going to get paid about one point six seven million dollars for games now the number about player salaries not in dispute the number about local television absolutely is in dispute it's something that frankly the value has been at the center yes the idea that clubs are going to lose as much money as they say they are and that's part of the reason why the players have been pushing it strongly if they have for their full pro rated salary they feel like they've lost a lot of money already to the games that haven't been place sure and they want to be paid for the ones that are going to be
Truth vs Hollywood
"Welcome to truth versus Hollywood I'm David, Chen and A. Truth versus Hollywood is look at films that are based on a true story, but we don't just talk about the film. We also talk about that true story. On this podcast will touch on what really happened. How that differs from the film and why and we're not just talking, heads will hear about the true story through interviews from experts, witnesses and people who were involved in it. It's both the real facts and the real facts are l. fix. What do you think that Joanna I loved it today Ridge? Today! We're talking about Martin. Scorsese's classic film Goodfellas Goodfellas is based on the book Wiseguy. Nicholas Pathology which, in turn is based on life of Mobster Henry Hill Hill was actually alive when the film came out and was very pleased with his film based on him, and as we'll talk about later, it definitely had an effect on his life. Pathology worked with Scorsese to write the screenplay and the film was. was a complete. It nominated for six Academy Awards and won one Joe Pesci for supporting actor. It's considered one of the best gangster movies of all times. If I put it on their list of one hundred years, one hundred movies and the Library of Congress decided that it was culturally important and added it to its preservation archives all right well. Let's get to the movie itself. It stars Ray Liotta. Hill Robert Deniro as Jimmy, the Gent Conway, who's based on Jimmy the Gent? Burke Joe Pesci as Tommy devito based on Tommy desimone Paul Sorvino Paul cicero based on Paul Vario and Lorraine Bracco as Henry's wife Karen Hill. Many real life figures at this movie was based off of an apparently Henry Hill ended up getting paid five hundred eighty thousand dollars because of the use of historian, this movie, which is a lot of money to pay to a mobster who has done very horrible things you know in watching this movie again. John Robinson one of the things that. I kind of realized you know or reflected on is the fact that we've been lost you decades seen so many movies about bad men, doing bad things, and that this movie kind of one of the prototypical examples of how they can be glorified an elevated in this. Movie makes that lifestyle look really glamorous while at the same time depicting some of the negative consequence lifestyle, but at the same time it does rubbed me the wrong way that like the people who are involved often are rewarded. We also saw this Martin. Scorsese's Will Wall Street as well. Similar dynamic, there so I'm kind of curious like as you're reflecting on your overall experience of watching the movie, and now that we know little bit more about what happened with the real life characters, and we're GONNA. Talk about it during the courses podcast like. How did it strike you that? This is based off of Real Person I. Think Scar says he couldn't have picked a better release. Go subject to to glum onto here than Henry Hill because though he is gangster and he's fully involved in this gangster life, he is a the likability of this character, which is really what's Cortesi was going for I've seen interviews. We talked about the nineteen thirty two scarface, which was the first time he ever saw. Gangsters depicted as really likable. When you Henry Hill. And he does terrible things, but he's a gangster who is a little squeamish. We see this the film and it's corroborated by true story of his life. He was violent crimes, but he wasn't a a mass murderer and You know the the charisma of him. I think is really important. He wasn't one of the most vicious people in this story. And so I think you're making good point that like. If you're GONNA choose an entry way into this world. Henry Hill is probably the ideal candidate in this case so. Well, the film opens with three men driving in a car, having a seemingly normal evening. It's then revealed that there is a captive in the trunk and than shortly after him, we mmediately get Henry's voiceover with the iconic line as far back as I can remember I always wanted to be a gangster. It's one of the most. Openings and Awesome History Joanna Robinson after nearly three decades. How effective did you find this opening? Well, it's funny. I did not see I was eight years old when fellows came out, or maybe nine so I did not see it in theaters and I didn't see it until later in life and but by then it already seats into the culture because it was so iconic. You know there's. Maniacs good feathers, pigeon parody, and like all sorts of stuff, so I'm going to wear of the beats of it, even though the first exposure to goodfellas was. Is what you're saying. Thousand percent absolutely. But you know so by the time I had seen it. I had also seen so many things that had imitated it, and this is true of like so many of our great films like by the time you get around to watching it. Maybe you seen a bunch of people. Knock it off and so you're like well. How groundbreaking? Is this
Philadelphia convulses as protests and looting continue
"The killing of George Floyd has set off a wave of protests as you know many protesters have dispersed after recently imposed curfews but after dark some people have wrecked and looted businesses straining an already fragile U. S. economy vandalism and theft of many large retailers in high end business districts are delaying efforts to restart an economy the lost forty million jobs to the covert nineteen pandemic not withstanding Friday's jobless report in which two point five million jobs were added in may the damage to small businesses could be more devastating potentially permanently closing doors it's a story by Scott Calvert reporter at the Wall Street journal Scott what did you see in Philadelphia violent in Philly started out in center city downtown on Saturday evening but then on Sunday it started to crop up in different parts of the city and one of those areas was fifty second street and over roughly half a mile stretch of this business quarter you had not dozens of businesses that were vandalized or looted or worse you know to to some extent and it it really it really ran the gamut there were some that weren't touched at all there was one case where we heard about where some local residents and a friend of the owner stood out front and implored leaders to leave it untouched saying it was owned by a young black woman and that apparently worked you have some that had relatively minor damage you know broken windows and and people went in and stole a couple of dollars in damage computers and things like that but then at the other end of the spectrum you we saw just complete devastation there was a drug store that was completely cleaned out there was a clothing store that was looted and then set on fire and it was just burnt to a crisp you know the interior which is coated in soot and and that week of the acrid smoke smell there other businesses that loss you know one case I think about eighty thousand dollars worth of merchandise and a fellow who has a cell phone store sells jewelry and video games as well he said he lost about two hundred thousand dollars and found his store completely trashed and and these places are not always fully insured if at all right so recovery here is going to be very difficult yes well some of the businesses have set absolutely we are going to be open are you maybe pretty soon and that's obviously easier for the ones that you know stand last damage but we we found a mix you know some people said yes I have insurance but even that is not necessarily you know when it might sound like the fellow who lost about two hundred thousand dollars worth of merchandise he said he has insurance and he's gonna put in a claim and hopes to get a payout but you know because of the moment he has no money he says incorrect two and a half months closure because of that the court of Irish and American but next door to him there's a business owner I talked to who doesn't have any insurance and he has no money he's not even sure how he can make the June went to which was due in a few days and doesn't know what he's gonna do it doesn't see any way to be open because obviously you need money to provide more merchandise we speak with Scott Calvert reporter at the Wall Street journal I just wanna make sure I get these numbers right you said major looting struck dozens of the city's two hundred business quarters that's not right because it's not just businesses two hundred business quarters two hundred different quarters exactly so I spoke to the acting commerce director for the city of Philadelphia and that's where that figure came from and she said if you add up all of the businesses that were hit across the city you'd be more than a thousand nope they don't have an exact count but we're talking about lots and lots and lots of businesses some of them are chain stores or banks you know but walkers and citizens bank and Donald and things like that but an awful lot of them are mom and pop stores many of them owned by African Americans or immigrants and these are places that generally don't have a lot of cash on hand we have a hard time accessing capital and are generally more vulnerable in the best of times and these are not the best of times course you know again these are places that just to spend more than two months in many cases without any revenue coming in because of the pandemic and now they're dealing with this
Small business owners fear worst after rioting, looting destroy storefronts
"The killing of George Floyd has set off a wave of protests as you know many protesters have dispersed after recently imposed curfews but after dark some people have wrecked and looted businesses straining an already fragile U. S. economy vandalism and theft of many large retailers in high end business districts are delaying efforts to restart an economy the lost forty million jobs to the covert nineteen pandemic notwithstanding Friday's jobless report in which two point five million jobs were added in may the damage to small businesses could be more devastating potentially permanently closing doors it's a story by Scott Calvert reporter at the Wall Street journal Scott what did you see in Philadelphia island in Philly started out in center city downtown on Saturday evening but then on Sunday it started to crop up in different parts of the city and one of those areas was fifty second street and over roughly half a mile stretch of this business quarter yet no it doesn't of businesses that were vandalized or looted or worse you know to to some extent and it really it really ran the gamut there were some that weren't touched at all there was one case where we heard about where some local resident and a friend of the owner stood out front and implored leaders to leave it untouched saying it was owned by a young black woman and that apparently worked you have some that had relatively minor damage you know broken windows and and people went into the store come on at all hours and damage computers and things like that but then at the other end of the spectrum you have we saw just complete devastation there was a drug store that was completely cleaned out there was a clothing store that was looted and then set on fire and it was just burned to a crisp you know the interior which is coated in soot and an eight week of that acrid smoke smell there were others is that loss you know one case I think about eighty thousand dollars worth of merchandise the medical who has a cell phone store sells jewelry and video games as well he said he lost about two hundred thousand dollars and found his door completely trashed and and these places are not always fully insured if at all right so recovery here is going to be very difficult yes well some of the businesses have set out we we are going to be open are you maybe pretty soon and that's obviously easier for the ones that you know stands last damage but we we found a mix you know some people said yes I have insurance but even that is not necessarily you know when it might sound like the fellow who lost about two hundred thousand dollars worth of merchandise he said he has insurance and he's gonna put in a claim and hopes to get a payout but you know the moment he has no money he's just entered the two and a half month closure because of the the quarterback and I'm like but next door to him there's a business owner I talked to who doesn't have any insurance and he has no money he's not even sure how he can make the land which was due in a few days and doesn't know what he's gonna do it doesn't see any way to reopen because obviously you need money to provide more merchandise speak with Scott Calvert reporter at the Wall Street journal I just wanna make sure I get these numbers right you said major looting struck dozens of the city's two hundred business quarters that's not right because it's not just businesses two hundred business quarters two hundred different quarters exactly so I spoke to the acting commerce director for the city of Philadelphia and that's where that figure came from and she said if you add up all of the businesses that were hit across the city more than a thousand nope don't have an exact count but we're talking about lots and lots and lots of businesses some of them are team stores or banks you know but walkers and citizens bank and Donald and things like that but an awful lot of them are mom and pop stores many of them owned by African Americans or immigrants and these are places that generally don't have a lot of cash on hand we have a hard time accessing capital and are generally more vulnerable in the best of times and these are not the best of times course you know again these are places that just to spend more than two months in many cases without any revenue coming in because of the pandemic and now they're dealing with this destruction how bout this older you talk to mark ten Creedy who own that that son or a son ray drugs that pharmacy what was his experience at home Sunday afternoon watching television news and long hold there he sees video images on T. V. of his drugstore there could be second street being looted while people rushing into this is doctor he had it was close he had the metal the shelter all down they got that they got in to the to the doctor he said that you know they took everything from the toilet paper to copy paper they stole all of the pharmaceutical drugs they just cook basically everything and that was after he has a he has a second pharmacy a little bit further west on sixtieth street and that one was burned to the ground so you know both of his both of his pharmacies right there took a major hit the one he can you can re open pretty soon thanks because it wasn't burnt but the other one you know if you put it that's not opening any
Seattle Is The Sixth Best Largest City For Graphic Designers
"Magazine Washington state has six hundred eighty five open jobs for every one hundred thousand residents according to a survey by top data that ranks the state only number thirty three in the U. S. Mississippi has the fewest jobs while New Hampshire has the most job postings nationwide have plummeted almost thirty four percent this year on the other hand Seattle is the six best large city in the nation for graphic designers a study by information resource company advisor Smith found that graphic designers on average earn about eighty thousand dollars per year here forty one percent higher than the national
Ex-Knicks John Starks donates scrubs to help coronavirus efforts
"Four popular former NYC is pitching in to help protect the city's nurses doctors and other health care workers out there on the front lines we thank you mayor de Blasio announced that news with a lot of plans someone that new Yorkers know well from his illustrious career in the back on the basketball court John Starks he has dished out an assist and this time it's not with a basketball this time is three thousand sets of scrubs for our city hospitals to help out our health care workers the former shooting guard who also helped the next make the ninety four NBA finals has also recorded a remote work out video for the department of education to share with city school kids other members of the next family have been generous to like power forwards Julius Randle and Bobby Portis they recently donated a hundred and eighty thousand dollars worth of meals to a city food bank along with fifty grand in cash
Many couples advised to suspend fertility treatments due to coronavirus
"The pandemic is also forcing many couples to put their dreams of having a baby on hold new guidelines are urging some women undergoing fertility treatments to wait to prevent possible exposure to the virus ms Nikki Battiste reports many hopeful moms are now worried that they're running out of time to have a child Adriana Kaiser Deanna and her husband have long hoped for a sibling for their daughter but after six miscarriages and eight years of fertility treatments she now has to wait to transfer her final two embryos a procedure that had been planned for this week I'm numb at this point it's the norm with IVF that there's ups and downs but you never get used to the phone call that says you can't move further you can't move on at age forty four she says time is everything I'm very nervous because what if this takes another year now the American society for reproductive medicine advises fertility patients to suspend new treatments and consider canceling all embryo transfers there are exceptions for urgent cases like cancer patients I don't know what that time frame is going to look like in terms of when we can re initiate care doctors to reinsert G. says one concern is the absence of data on how a fetus conceived by a mother with covert nineteen may be affected infertility in general it's hard I'm feeling out of control it's hard but it it doesn't make it any easier as we're delaying things Adriaan as as her husband just lost his job and the couple is in debt after spending eighty thousand dollars trying to have a second child how hopeful are you that you will become pregnant I'm hoping for a miracle because I don't know if I can handle another
Women urged to delay fertility treatments during coronavirus pandemic worry they may miss their chance to have a child
"The pandemic is also forcing many couples to put their dreams of having a baby on hold new guidelines are urging some women undergoing fertility treatments to wait to prevent possible exposure to the virus ms Nikki Battiste reports many hopeful moms are now worried that they're running out of time to have a child Adriana Kaiser Deanna and her husband have long hoped for a sibling for their daughter but after six miscarriages and eight years of fertility treatments she now has to wait to transfer her final two embryos a procedure that had been planned for this week I'm numb at this point it's the norm with IVF that there's ups and downs but you never get used to the phone call that says you can't move further you can't move on at age forty four she says time is everything I'm very nervous because what if this takes another year now the American society for reproductive medicine advises fertility patients to suspend that new treatments and consider canceling all embryo transfers there are exceptions for urgent cases like cancer patients I don't know what that time frame is going to look like in terms of when we can re initiate care doctors to reinsert G. says one concern is the absence of data on how a fetus conceived by a mother with covert nineteen may be affected infertility in general it's hard and feeling out of control it's hard but it it doesn't make it any easier as we're delaying things Adriaan as as her husband just lost his job and the couple is in debt after spending eighty thousand dollars trying to have a second child how hopeful are you that you will become pregnant I'm hoping for a miracle because I don't know if I can handle another failure Nikki Batiste CBS news New
Many couples advised to suspend fertility treatments due to coronavirus
"The pandemic is also forcing many couples to put their dreams of having a baby on hold new guidelines are urging some women undergoing fertility treatments to wait to prevent possible exposure to the virus ms Nikki Battiste reports many hopeful moms are now worried that they're running out of time to have a child Adriana Kaiser Deanna and her husband have long hoped for a sibling for their daughter but after six miscarriages and eight years of fertility treatments she now has to wait to transfer her final two embryos a procedure that had been planned for this week I'm numb at this point it's the norm with IVF that there's ups and downs but you never get used to the phone call that says you can't move further you can't move on at age forty four she says time is everything I'm very nervous because what if this takes another year now the American society for reproductive medicine advises fertility patients to suspend new treatments and consider canceling all embryo transfers there are exceptions for urgent cases like cancer patients I don't know what that time frame is going to look like in terms of when we can re initiate care doctors to reinsert G. says one concern is the absence of data on how a fetus conceived by a mother with covert nineteen may be affected infertility in general it's hard I'm feeling out of control it's hard but it it doesn't make it any easier as we're delaying things Adriaan is as her husband just lost his job and the couple is in debt after spending eighty thousand dollars trying to have a second child how hopeful are you that you will become pregnant I'm hoping for a miracle because I don't know if I can handle another
How Will Food Banks Meet Demand Related to COVID-19?
"With children at home and countless adults out of work food pantries and food banks are more important than ever for many. Americans. They've been the difference between eating and not eating for years with the novel. Corona virus pandemic that demand for food could soar higher than we've seen in our lifetimes. And so what do we do to ensure these essential local food pantries? Stay afloat honestly. It won't be easy. We took for example our local Atlanta Community Food Bank which as one of the ten largest food banks in the world distributes more than sixty million meals to more than seven hundred fifty five thousand people the Metro Atlanta area and north Georgia. But maintaining. Those numbers isn't only concern. The Food Bank is usually staffed by hundreds of volunteers. Now it has zero it discontinued its volunteer programs to help curb. The spread of the virus and the staff is brainstorming. New Approaches to tackle covered nineteen had on we spoke with Kyle Wade President and CEO of the Atlanta Community Food Bank. He said we have to adopt distribution methods and minimize the number of workers coming in and out and instead of asking people to come into pantries to shop as they wouldn't a grocery store. We're asking Pantries prepackaged food into bags and boxes for drive-thru distributions where the client never leaves the car other food banks across the country are similarly adapting in Ohio. One of the earliest states to impose restaurant closures and self-isolation rules foodbanks stopped serving hot food and began distributing brown bag grabbing go meals according to thirteen. Abc In Toledo staff members at local food pantry. Helping hands of Saint. Louis are wearing gloves and in some case masks and they're using tape on the sidewalk show clients where to stand for proper social distancing while waiting for food their team had to stop accepting donations entirely after curbing its volunteer program for safety and harvest. Hope Food Bank in South Carolina shifted its distribution model to drive through only to limit person to person contact with covert nineteen shuttering businesses across the country. The Need to feed the hungry grows rapidly at the same time. Grocery stores are overrun with scared. Shoppers though rest assured supply chain experts. Say That toilet. Paper supplies will be restocked and general food supplies should become more normal as panic buying subsides. So how food banks access. The bulk of supplies they need for one. Wade says the Atlanta Community Food Bank will lean heavily on partner. Farmers he said farms have access produce. And that's a big part of our supply chain right now so we'll rely on that even more because of pre existing grocery store partnerships food pantries can source bulk products quickly and with better margins than consumers. That's why food banks around. The country are asking community members to donate funds instead of food. Wade said you can give me a canned food costs you a dollar or you can give me a dollar and I can get nine cans of food. This is the same. Even outside disaster times for the Atlanta Community Food Bank funds are also more essential than ever because they like many other nonprofits had to cancel fundraising events in March of two thousand nineteen. Their hunger walk run. Generated eighty thousand dollars with ten thousand participants. But this year it's been canceled. School closures across the country could leave up to thirty million kids without meals according to CNBC. That's because the national school lunch program feeds up to thirty million children per day. The correlated breakfast programme beads fourteen point seven million children daily in the child and Adult Care Food Program serves more than six point. One million children schools closed national and local groups are doing their best to keep children fed in North Carolina for example no kid hungry and see is continuously updating list of free school meal locations in Northern Kentucky restaurants like Poseidon's Pizza Company are supplementing local school cafeteria efforts by offering free small pizzas to K. Through twelve kids. According to Fox nineteen celebrity chef Jose Andres turned his New York City and Washington. Dc Michelin Star restaurants into takeaway kitchens to help those in need. Employees are asking for seven dollars per meal. Although those who can't afford to pay don't have to under his also working with other restaurants to serve as community kitchens to cook for world central kitchen and he's calling on Moore to do the same. Where possible end food? Pantries can help with this. To the Atlanta Community Food Bank is bringing supplemental food to five local school districts adding to the resources local cafeterias have in place for daily meals for children and their families. Wade said providing about ten thousand pounds. That's forty five hundred kilos of food per week per site right now. That's about a quarter of a million pounds of food. We expect to provide these schools altogether. The feeding American network which the Atlanta Community Food Bank partner member of is taking unprecedented steps to ensure its members are able to feed people in their local neighborhoods. Feeding America launched a covert Nineteen Response Fund a National Food and fundraising effort to support people facing hunger. They're working with government leaders to ensure its response include support and flexibility for Federal Nutrition programs ensuring that twenty two million children who rely on school meals have access to food outside of the classroom building an inventory of emergency food boxes to distribute food banks as need increases and providing emergency grants to food banks
Mitch McConnell Slams Senate Dems for Nickel-and-Diming Virus Aid
"Republicans and Democrats have been talking throughout the day on what should be in a nearly two trillion dollar relief measure to help people businesses and others hurt by the corona virus outbreak South Carolina Republican Lindsey Graham accuses Democrats of nickel and diming while the measure contains hundreds of billions of dollars for small business owners to stay open and pay their workers if we can pass this bill you can go to a bank a credit union and you can borrow money that we will forgive that won't be alone it'll be a grant for your employees up to eighty thousand dollars per employee you can borrow money which will become a grant to pay the rent we just need to pass the bill
Rare Nintendo Playstation sells at auction for $360k
"In an earlier episode of gaming ride home. I talked about a hyper rarer nintendo playstation console that was up for auction on the bidding website heritage auctions. Well the system has officially sold and it went for about three hundred thousand dollars on the site I say about because the anonymous buyer apparently paid about three hundred eighty thousand dollars after some various premium editions. Eddie macos reported on the sale for Gamespot writing three hundred thousand dollar sale prices far and away the highest ever price paid for a single gaming item. The previous record belonged to a sealed unopened. Copy of Super Mario Brothers for any s that sold in two thousand nineteen for one hundred thousand one hundred and fifty dollars according to a report from the website. Us game the identity of the winner was not revealed. Oculus VR founder Palmer lucky previously revealed himself to the highest bidder at one point earlier in the auction period. But it's unclear if he was the winner in the end it totally could have been lucky. Who secured the sale but on March sixth when the sale was completed lucky tweeted a picture of a double rainbow with the comment so intense. So I don't. I don't know how much we can really read into that. I'm guessing we pretty much shouldn't read anything into that at all. The nintendo playstation which is the colloquial term. The Internet has assigned to the rare hardware is the product of a failed partnership between intendo and Sony to potentially create a snes console with a cd-rom attachment. That was in the works. Prior to the release of the original playstation that partnership obviously never panned out but it did produce a handful of these prototypes which are very hard to come by which is why this thing sold for so
Indpendent vs. Employed Physicians
"Here's the thing. Physicians are still not free from bureaucratic tasks just because they're employed. They still have all kinds of paperwork to do on a daily basis prior authorizations data entry for Amar's insurance claim denials charting. I could go on and on the bottom line. Is we still have to face an increasingly burdensome regulatory environment regardless if we're employed or independent practitioners so we have this decades long trend away from the independent practitioner towards the employed physician? Who is happier was hard to stay. There was a study at a New York that looked at small physician. Run Group practices and Solo Practices. They evaluated the rate of burn out amongst these physicians using the Mas Block burnout inventory. Which is the industry. Standard and the rates of burnout were remarkably low at thirteen point. Five percent that's compared to around fifty percent nationally. That's a huge difference. Yeah but we should stress. It was a very small regionally specific steady only around two hundred thirty five providers in New York state so in contrast mets Cape's large annual physician burnout report for two thousand. Eighteen doesn't show a big difference in burnout. Rates between employed and self-employed Ducks. So we're not so sure. Physicians or any happier less burned out when they become employed. How about when it comes to money? Are they making more as an employed physician or as an as an independent well? When I asked myself this question I thought the answer would be yes. I mean large health systems and hospitals have the advantage of the economy of scale when negotiating insurance and pharmaceutical contracts as well as buying medical devices and all the other Supplies supplies needed to practice medicine. Yeah they they can be more efficient with staff and facilities to multiple physicians can share nurses as well as administrative personnel and clinic space right but it turns out employed physicians make less money not more than independent ones in Texas. They make about sixty six thousand dollars less annually and I mean really I mean. Those economies of scale are meant to benefit the employees. They're meant to benefit the shareholders. So and the gap in California is even larger employed physicians make about eighty thousand dollars less annually than independent physicians. So the cost savings that corporate medicine potentially realizes are not being passed on to the physicians. And no they are not and here's some food for thought according to the group Physicians for a National Health Program. The number of physicians in the country has grown about one hundred and fifty percent from nineteen. Seventy five to two thousand ten. That's apparently in keeping with population growth on the other hand. The number of health care administrators has grown three thousand two hundred percent in the same time period. That's okay first of all. It just doesn't seem like doctors should have more paperwork if you've got three thousand two hundred percent more administrators. Yeah so they're creating table. Still doctors have to work. And that's a lot of people other than the doctor and the patient making living off of the doctor patient relationship. Exactly so why are we doing this? Why are physicians making this switch? If it's not going to make us happier and will most likely make us poorer so I have been both in employed physician as well as a partner in a moderately sized physician group practice. Okay did you make more when you're independent? I definitely did. Were you happier or less burned out. As an employed physician know better I was employed or independent. Had almost no effect on my level of happiness whatsoever you were equally equally miserable or happy as it may be as either an employer of independent physician. Exactly and here's why if I'm employed or self employed regardless the compensation model and the regulatory environment are the same. I have to bill. Insurance Companies and Medicare Medicaid to be paid for each visit procedure surgery medication medical device or service provided to that patient uh-huh this requires appropriate documentation based on Medicare regulations and appropriate billing based on that documentation. So and the only person who can document and bill is the physician. It can't be done by anyone else in. This is the case that the physician is independent or employed so as Medicare and insurance regulations for documenting and billing become more complex. The physician is the one dealing with the complexity and the reason for the ever. More complex regulatory environment is because of the ever increasing costs of medicine in this country. Right and all this time spent documenting and billing is time we should be spending with our patients. So that's why physicians are unhappy. Of course it is. I mean that's one of the reasons. We have no time to develop meaningful relationships with patients. No time to nurture or maintain those relationships. Because it's all about doing what reimburses not restores so not a newsflash. Everybody in the country knows. Our healthcare system is broken. We've known for some time at the solution to the problem is much harder to come out. There are a lot of people working on the problem but physicians are actually in a position to do something today and for some physicians. This means opting out of corporate medicine and traditional reimbursement models altogether exactly so a lot of folks might have noticed that independent physician and physician owned practices with doll. Payer models are popping up all over the country yeah like concierge. Medicine or primary care for example which. I think we've done a podcast on before. Did we think so which one both of them? Yeah well. Let's let's talk about direct primary care again because that's the model. I've been seeing most often with direct primary care. Physicians charge a membership fee monthly or quarterly or even annually. And for that feed. The patient gets pretty much all their primary care. Needs taken care. Have they usually get as many clinic? Visits as they want they'll get access to their dock via email or phone all the necessary. Labs X ray screening tests even many minor procedures are covered. It's important to know DP doesn't cover sub specialty care or hospitalizations so usually people will also have a large deductible major medical policy to cover that kind of stuff or like like major imaging. Besides extras like cat scans are emory's are usually sourced outside. Yeah so also. These practices. Don't take Medicare or Medicaid. Usually but there are some that. Do there've been some experiments with it? Yeah so as like a part C PLAN. There are a couple of of dramatic. I think there's one in Arizona that had got special permission for Medicare to well. That's cool do a trial. I don't know where where it stands. I'll have to Google that and see where they're at and Report back on that on an update episode. Maybe well so currently. Dpc is is designed to try and meet the needs of the under sixty five age group But the main thing is that the physician doesn't Bill Insurance Companies. There aren't hidden costs to patients. No COPAYS deductibles. Yeah Yeah and a lot of these practices. They don't they have basically a nurse and like not a lot of other office staff because since they don't have all that administers they don't need all. They're very small intimate little practices. And so yeah and you just pay monthly feel to have that so you have pricing transparency as well. Yeah so now. With deep sea physicians are free of the burdensome regulatory environment no more billing or jumping through documenting hopes and no more oversight from non medical administrators. And if you ask these physicians with the benefits of primary care are the very first thing they will tell. You is more time with their patients which is a win win for the doctor and the patient. Well if you look at the size of their practice that alone should clue most are at least half sometimes a quarter of the size of a traditional fee for service practice. And and how does it the cost to the patient workout? Did you see constipation? Cost to patients? Of course well. I'm glad you asked twelve years. Old Data show that most patients will pay about what they would with traditional insurance sometimes even less so they're getting improved access to care more time with her dog for the same price or less than they would with a traditional fee for service policy right and the American Academy of Family Physicians. Very supportive of this model. They promote and provide seminars and toolkits to the physicians who are interested and more more graduate. Medicine programs are starting to train the residents in DPC which is well for the future thing. I agree it's GonNa be fun seeing how it all plays
Better Business Bureau: Risky Scams To Look Out For
"To a new report from the better business bureau of the Federal Trade Commission says Americans lost get this nearly six hundred and seventy million dollars to scams in twenty nineteen alone that is a lot of money more than thirty seven thousand were reported to the B. B. B. the better business bureau and while that number decreased from twenty eighteen the median the middle amount of money lost per scheme rose two hundred and sixty dollars thirty five percent of people who were exposed to one of those games in twenty nineteen lost money as one one three our consumer investigative correspondent Anna Werner is here to explain more and implement scams are the biggest one apparently had of those work you know somebody will say to you Hey listen you can make part time money working from home one of these victims said she's a college student and she shared her story with the baby and she said you know they said the friend told me we can make three hundred dollars and you can make three hundred dollars per per quarter if you just sign up for this but what they're really looking for is your personal information here so they'll say in order to get this job you have to provide your personal information like your birth date your social security number here's how we're going to pay you yeah and I think a lot of these appointments scans is look you're not going to get a lot of money for not working very hard this is part of a true right now right yeah the launch people want to believe that they can and they've they're talking about the fact that also they've gotten really out with a call into a high touch approach in other words instead of just sending you a quick email that says Hey make money though actually engage with the victims they will actually have them do some work for the business before they get paid sometimes they'll send a check here is your check guess what we overpaid you we need you to send us some of the money the extra money back of course the first check is a fake thank right and then you're actually sending them real dollars out of bank lots of employment scams yeah the second riskiest I was surprised about this or crypto currency scale yeah I was surprised to hear this too because crypto currencies I think it's something that people don't really understand that well we're talking about bit coin and oftentimes I think what they're appealing to people and is Hey there's this new kind of thing you can buy bitcoin and you can maximize your money like a thousand times your money and people don't really do the research here's a tip don't invest in something that you don't understand so interesting that is really good advice because they can talk at you so well and you're still single I don't understand a word you're saying but it's a state with such confidence you think okay right or something former Cork and I thought did a really admirable thing in it in a meeting probably clear that she fell victim to a scam Tony almost had a similar experience where the emails off just a little bit yeah those most at risk because you think about Barbara Corcoran and Tony to couple Katie terror very savvy very savvy people should look at rules well yeah I think that they're getting smarter and smarter you know they're they're not just sending you without cracking looking phishing emails they're actually making them look good and you really have to we would have to Microsoft I think it was maybe a year and a half ago and they showed us some of the pages and the emails that are now coming in because they watch this stuff they have a team that does this and some of them are incredibly sophisticated and unfortunately as it so often does with us as consumers you have to watch out for yourself also keep in mind we all hate to admit this but there's a little bit of a green factor you know people get excited right I can get the five grand I can make the two here and and they kinda wanna believe it because all of us might be just a little greener I tried to get the money I was surprised by another thing here to the the the most profitable for scammers tends to be these romance scams and and that's not about money scans right three thousand dollars the people yeah yeah I I never understand sending money to somebody who you don't know who you haven't met just because they're telling sweet nothings and let me set this up for you okay I actually have eight somebody that I know yeah who lost two hundred and eighty thousand dollars to romance okay and on this person I was somebody who was a little bit vulnerable but as they say in the romance scams one of the main factors a lot of people are fifty five to sixty four in a his loneliness and they really want and you know what there's very they're very clever they'll call them on the phone to develop a phone relationship with the victim okay you know the people feel like women second riskiest scam for women as you see because they they feel like they've developed a relationship with somebody now actually save them on the phone don't tell your friends and family about us they'll never understand and then they start saying well you know how I flew to South Africa I'm on my way to you I was an accident I was in an accident Michael my daughter couldn't get out of the hospital I just need to brand and then next time it might just need like for Graham yeah you know the next time it's three hundred and by then you think you've built up a relationship with someone you want to help you have is just not a real one yeah exactly one eleven you want to
Comparing Graduate Degree Programs
"We're going to begin today with Daniel in Virginia Daniel. Welcome to the call. How can I serve you today sir? John thanks thanks so much for Talking to me I'm I'm pretty new to the radical personal finance but I thought I had a question that I've been searching through the back Cadillac Cadillac four and it. It just kind of concerns a master's degrees and Basically situation as my girlfriend is looking at doing a masters this fall and she's kind of apply to programs and gone in and basically. I just wanted to get your thoughts on. How should I think about Paying and kind of helping her out and basically She She. The cost of programs are Efficiently different one is twenty thousand dollars And the other is basically eighty thousand dollars and she makes about forty thousand dollars right now on could make you know maybe fifty sixty k when she finishes in two to three years and You know I make About seventy five thousand dollars a year and I really liked to to help her out in some way But I just want to know how how you think about kind of comparing those two programs they obviously have different reputations but they have vastly different costs. And just you know any any advice would be really appreciated. What would the masters degree be in? What areas of study it? It is in international development and they're slightly different focuses on the programs. But but that's basically it when you say that her income would go potentially from forty thousand dollars to fifty or sixty thousand dollars. Would she be would is that a guaranteed a pay increase for example her current job where she's happily employed says? If you have a masters degree will pay you an extra ten or twenty thousand dollars per year or is that a guess as to what she would now be qualified to go out in the marketplace. And look for. Yeah that that's definitely a gas. Josh not not guaranteed. How much money does she have currently saved pay for a master's degree? She has twenty thousand dollars in cash and and about ten thousand in investments. Does she have any other debt other than Does she have any of the debt? Currently I note that neither of us have debt and the difference between the twenty thousand dollars school in eighty thousand dollars school. I would imagine one is much much more prestigious but is there any sense that you can be confident that there would be a a major difference in her job prospects if she had the name Brand School. I so I do think her job prospects would be better with the name brand school. It's hard to really quantify how much better the prospects would be you know. It's a bigger alumni network and A more recognized program. The twenty thousand dollars program has it's only about five to ten years old kind of thing. Well here's how I approach it. Just kind of a few things got a lot of color to give you a fairly brief answer and just hit some hits is high high points on it for you so number one. It's dangerous for you to do financial planning together with a woman that you're not married to if you want to give her money and just simply say here's a gift of money then of course that's always you're right and I'm sure she will appreciate that. But given you have no legal protections of marriage you should not expect that there's any guarantee of your quote unquote investment into her education so marriage. If if you if you're married to somebody then you get divorced while then the judge sits down and you look at how much of each of us contributed etcetera and who's earned money and how we supported one another and things like supporting your spouse while you're spouses in school. Become a meaningful part of divorce settlement when you are unmarried unless you have some kind of financial agreement between the two of you which you can do as unmarried people then you just simply need to think that any money that I give. Her is just simply a straight gift and so from that regard from a financial perspective. That's not necessarily a very safe thing for you because you're giving money to somebody with no guarantee of return now. I doubt that that's a big concern for you. But as a financial planner need to start with number two with regard to a masters degree. I'm a fan of education and I think that generally more education does help I I question if credentials ation is necessary in many careers but there are some careers in which it really is helpful. I have a masters degree myself. Someday I my guess is someday I'll do a PhD at the moment. It's not interesting to me but someday because I'm the kind of person who likes to check off list okay. I'll get a PhD. But what I do think makes sense is to not overpay for it and I would be shocked if the eighty thousand dollar degree turned into that much more of job options that couldn't be achieved with twenty thousand dollar degree now. Is it possible sure? Are there field in which the the right network makes all the difference certainly You can make I think a strong business case at times for something like going into a name brand education ED- education market getting the Harvard. Nba Because of access to the alumni network because of access to the job offers. Sometimes you can make a very strong argument for the name brand law schools. Because of getting the plum the plush the pump plum internships. The really the really high level introduced with the high firms and that pedigree can be very very helpful for you that said It's a lot of money and so I would not go into debt for a master's degree and so what I would say. Is that if she wants to pursue the name brand degree I would either figure out a way to simply pay out of pocket for it Working her way through. Maybe you have to do it. More slowly or I would find a way to get reimbursed as part of a job so changed to a job where there's GonNa be some kind of reimbursement system otherwise I would go with the lower cost degree. I think that if you go with lower-cost degree you can check the box for credential. Ization yes. I have a master's degree and then on the side. You can access any social network yourself. You can access any demonstrate any level of capability you can study To whatever degree you want I have never found With the exceptional a holden exception for a technical study like perhaps something like Law School Engineering School But in international development I cannot imagine that that the the actual course of study makes a difference in her knowledge. You can learn so much more as a self taught student and you can advertise yourself so much more without necessarily having to get the credential that to me. It just seems like a waste of money if I had the difference between twenty thousand dollars. Eighty thousand dollars available as far as Of of of of money What I would do is I would focus first on getting the twenty thousand dollar degree and then I would take the time on the on the side to market myself. Effectively build a career oriented website. Make sure that I'm systematically building my presence in the field. You know an international development podcast is going to be far more helpful for her than You know where she gets to meet everybody. That's going to be the most helpful. And most impactful way for her to build her career versus getting an eighty thousand dollar degree. And so if I had the choice between spending twenty thousand and eighty thousand I would go twenty thousand because I have the money and can pay for it and then I would invest money into developing my brand reading the books doing the projects writing the papers writing the essays writing the blog. Post writing the books that are not a current that are currently needed in my field of study and relieved the financial stress. The only exception would be in my opinion if you found somebody who some company that we're willing to pay the full price of the degree and then in that situation things would be slightly different.
"eighty thousand dollars" Discussed on Here & Now
"Eighty thousand dollars in college scholarship. Money is on the line for the top steer wrestlers barrel racers pull vendors in bull riders. So what are we got here and this is eminem. He's my main goat harsh my rodeo horse. He's gotten he's got the farthest I won. The State Championship on him. Pay Address newson traveled to Wyoming with her mom into horses from Bozeman Montana behind us and announcers watching over roping session and then this is Felix. He's my younger horse. He I train him on the goats <hes> <hes> he is kind of a backup this weekend a buddy horror so the my good horse when travel alone they like to be with another horse. Yes anti brought him just in case something happened to my good horse in the habit backup. I wouldn't have tomorrow. Did I hear your mom say when your horses legs with swelling up a little bit my horses leg he kicked panel as well swollen a little worried about it but he came out of it so he'll be counter percent so he's ready to go for the competition Yep. He's what can pretty excited. It looks pretty calm. Does eminem no like when it's go time like when it's time to compete yeah. He knows he's pretty laid back but when the lights go down in the radio starts he gets pretty jacked up eminem gets jacked up for goat tying. That's Rasmussen's main event and what is that exactly so there's a goat on the end of a rope and he'll he'll be staked out at the end of the arena and <hes> what we do we ride in on our horses and we actually dismount our horses as they're running and we run into the goat <hes> we catch him on the end of the rope and ties three likes together with a string called pig string judge is purely by time yes just by time promoted by the time and you pretty good I yeah I am you had to get off the horse well. It's running mm-hmm. Yes in what's that like how do you do that without getting hurt. Lots of conditioning your body and working out lifting weights just making sure your body's strong enough to handle that anything go any speed but the faster you go more likely you're GonNa win so if you can get your body to where it can handle those higher speed and getting off in. You're going to be better off. How is your horse going isn't it full sprint and let's head towards saga full sprint I with him down until I get off so he's at full speed? Donald slow down at all and how did you get into something like that. My Dad works for the professional bowriders. He's entertainer so he's like the clowns the clown yes sir now. That's like the iconic Rodeo character right yeah you just Kinda grew up steeped in all of this Rodeo mean into you. Rodeo is more than just a sport to me. It's a lifestyle and it's really made better person. <hes> I've been able to experience things that other kids my age will never be able to mom Katie. Rasmussen asmussen explains why it's unlike any other sport any other sport you go to practice you're done after they practice this sport. They gotta take care of the horses in the morning and they had to take care of the horses in the afternoon. It's it's there's no off season because I gotta take care of the horses. It's quite <hes> physical and mental challenge. It looks like kind of a financial investment as well. This is does not look like a cheap sport. You've traveled with these animals is a lot of infrastructure in place here trailers gear equipment <hes> how much of a I don't want to see a burden but how much of the financial investment is it to make sure that your daughter can do this. It's it is quite a financial burden fruit for some more than others for me. It helps my business because I train raise train and sell Rodeo. The horses so it does help both girls have attained full ride scholarships to a major university <hes> although we joke with the money we've invested we could probably sent him to Harvard three times so it is a huge financial investment but it it teaches them a great deal <hes> and it's definitely rhythm Rasmussen's full ride Rodeo scholarship is it Montana State University where she'll start classes in the fall and if her family made an investment estimate.
"eighty thousand dollars" Discussed on Boston Herald Radio
"Hundred eighty thousand dollars but you make a lot of that money because you play in Boston because the Red Sox have a huge brand. So he's not going to request a trade to another city to get out of that, right? The fact is that people have left New York, New jersey and governor Cuomo in New York is does not want these taxes, because they taxes are astronaut Michael any women this papers. One of the highest in the country. Zach California's fourteen percent. California's a standout. Rich and the rich population agent and sports that that may into it, right. And you're gonna go play for team in California pay fourteen percent of one out of every seven dollars. Now that you earn in state payroll tax anything, right? Gas in their cars. Yes. Gun racks, on the. Yeah. You should have moved to New Hampshire, I ten feet away. Seriously? I do my shopping in Hampshire. I believe me, I am then at that point. I didn't realize it. Up the coast past. There's a road that you can go through Portsmouth. And that goes up the coast. It's beautiful. I mean, there's some gorgeous house. I don't know what the cost of town race. It is right? Yes. It is my brother lives in Nashua. Yeah. Not as nice as portsmith. Nicely. But he's got a nice condo. He's in a very nice condo unit which was right across from Benson's animal farms, where it used to be you probably don't. You did the conversation. I used to have the answers animal farms nice there. But my parents used to live in Hampton beach, and a little condo to tattoo. Minimum at Hampton beach. So I, I do have upper crust blue elites like you. Says the guy got from the Mayflower, okay? Right. Yes, please my goodness. We were in the dominant bottom of the ship dealing with scurvy, while the first in weekly came on the Mayflower, but it was in third class. Well family was so, so. This does kinda sketchy. But it's very fun. Boardwalk stuff. I know it's tacky. I know that, that, that stuff that's experience. Yeah. Absolutely. And I heard ski. Well, yeah. In, in that pizza the pizza place. They're supposed to go to. Well, there's Tripoli, right? That's one of the best we sweep a really what is sweet pizza. Interesting wanted, wait a second. I'm out. I'm strictly a cheese guy. Well pepperoni, step now, comes creates the precious. Sep. You why nobody should be if half an inch of cleaning rainbow precious. Looks like the house there with me. That's the only thing with her in the room sap all it means is like heartburn. Heartburn. Anyways. No, you don't have burn all used to describe is your though. That's italian. We're far burn. You're giving Christian Judah. You got another hour from London to be talking about your wars that loss, last one hundred and ten years old is Asia. Again, all this tells me about your farm. Well farm, not me. Your your brother. Whatever is next to a farm or something. Oh, no Benson's animal farm, which was in Nashua. It's no longer there. But they built condos across the street, wonderful. Exactly. You know radio gets where I'm going with. That was back when he used to be able to abuse farm animal. Get out of ball machines. No little kids, elephants would be standing on one leg. And that is terrible that you guys don't get to have the circus with elephants. And you don't have to you don't get Gunther cable Williams or whatever his name wasn't all the lion? Tamers the circus used to come into town Juliana about a third of the animals would make it out. You get the hell out of there. Where was the video from twenty years ago where there was this elephant that was getting getting abused? And at some point he just like it had enough. Yeah. And he just like stampeded through in the funniest thing is someone's trying to stop them by putting a gate up like the elephant was like started going after people aren't nice animals, the smart in. They're mean their murderous animals. Yeah. Party. They represent. Is this, why the Trump keeps you as opposed to direct intelligent? Nicely smelling dog. Yeah. Why is the elephants the GOP Thomas nast to listen to cartoonist? I came up with a two popularized them. He was a he was a Republican Thomas nast. So I think he meant to be pejorative on the donkey side and felt that an elephant was wiser probably be lucky to the elephant, especially if the tusk is up with a trunk or what is it called? I think it's a Tuscan. Yeah. Okay. Well, they vote I should've gone to his animal farms figure this up. Yeah. You. I was too. Farmyard but there are people that have elephants Bill Parcells very, I'm sorry, Christian. I know he coached like twenty five years ago. But he had all these elephants. But all the tusks whatever had to be going, upward downward. He was very superstitious. He had just a tusk three of the elephants. The elephants. Like, little toys elephants. Ilise, getting the money if he wants to have a couple of elephants could have. Yeah. Whatever the case may be, you know, what Shattuck. I know. I let you in Christian knows something great news from Scott yesterday. And I wanted to make sure that we okay with him before he would speak about it. But Scott more than happy to do that. He put it out on Facebook on Twitter last night. Great news yesterday, Scott. Thank you. Get good news. Yep. It's a bit of people say that when you are. We have cancer. It's a it's a it's, it's not really shocking for me. It was very much a kind of a surreal experience and go through, but it's a roller coaster ride. It's absolutely roller coaster ride. I don't care. That's the one thing I learned from this thing, and it's, it's nice to have actually the networks of friends and people who I had talked to end didn't know at the time. Have been great because that's you have to get through the only way to do it. So and also the head both teams that had recent avid teams at mount Auburn hospital. New England medical center and Mass General hospital. And I know this is cliche at this point, but we are so lucky to live here. All totally. Yeah, that's great. Totally. Yeah. Else makes me think we should just eliminate insurance companies because I cannot decipher or sort out the bills, to save my life. And then calling to say I've been referred here and then have them say, well, the lesson you want to hear when he sort of say, I've been referred to an oncologist is well, that's out of network. Yeah. Anything? Well and then you fight. And of course, they're stuff is going to happen. Yeah. When my mother passed away back in one thousand nine hundred seven hundred last five days, she was in intensive care. The Bill was two hundred seventy five thousand dollars. Now, luckily my dad's insurance covered it. But if you didn't have insurance, you need to sell your house to cover all that two hundred and seventy five thousand dollars like Azusa look real. I mean, none of these, we got it, and it was covered by my dad's insurance, but like the aspirin, one hundred seventy five dollars each and they decided they need to give her four. Holy cow. That's quite price-gouging wherever the case may be. But, but that's great news that clean Bill of health. Funny story for a stint in the hospital for a couple of overnights. And so you get the visit from the, the learning all these things never had anything like this. And so, the, the well home person comes in, and I can tell this story because my wife is heard me say, before she seems to be fine with it. So they're, they're in the two of us are there. And she says you can you can you walk on your. Yes, I can walk my own how many stairs up to your house. So he's got a four or five is there were railing. Yes. Railings bedroom on the first floor say no the third floor. Says. Bathroom. I say, yeah. One on one on each floor in the woman, pauses. And she says that's a lot of bathrooms. My wife with Belmont, kill says, but one's a half bath. So how did you find out that you had it? So I've never never had any this is kind of the cautionary tale to I've never had anything not my family history. I took off my shirt and my wife said, what is that on your shoulder, and since it had been apparently growing, but I had been watching it every day. I, I didn't realize it getting to a point where somebody would say, what is that on your shoulder? And so I went to the dermatologist thinking that I've had stuff taken off me because I'm a very fair person, and they slice it off. And they walked me down to the dermatology surgeon sweet, and the dermatologists want me down, personally and said, what do you think of this? So then I had excise and a couple of days came back malignant and then it was, but then they very efficiently. Take whatever they get around in the lymph nodes and stuff and. So. That, that works. But this, you know, so, and it was just that, and then what was the treatment, the treatment was surgery to REM it, and then they buy everything they scan you. So they scan everything and you, you, learn lots of really interesting things about yourself. Associate. They said, we're gonna we're gonna get you the cat scan and the pet skin in the MRI, and we will find stuff, you know, so, so it's good to know what I've got, but this is a cautionary tale my system, that's just my sister, and I two years younger had a mole removed from her face. And she said my brother has cancer. And he said, why don't we biopsy it? And they found out that she had a malignant to how she wouldn't have had tested because was routine. So she's not going through prognosis is good. And she's going through her routine, too. So. We should all be checked out, I guess. Yeah. You manage to. Okay. So it didn't spread anywhere. It was just locally in that area just locally in that area. So I get the yesterday the clean Bill of health. That's awesome. That is great. And you managed to avoid radiation, or chemo or any of that stuff. Total game changer. Yeah. And that's the amazing thing about it is you have it. You don't feel different. Now, you know, if you have it in your colon and you start to feel bad, but I, I'm gonna look terrific on Hampton beach. You say you pitch for some this is rotator cuffs here. If it's in the general, he'll be tried to decapitate me. You see what the other guys. Well, you should get a tattoo now the blues in GPS logo, or if you're something like that. And to commemorate it nothing. Good is gonna come out. We'll get Inc together up, but the Hampton beach. It's it's hard enough to stay in shape. I'm not. I'm not. Yeah. That's great. That's great. And that's what a relief. Right. I mean because for the last several months ago and around and it's amazing because you were in every day a couple of weeks ago, and you never let on about it. It's something you do about it. I'm again the, the Italian American thing is to share all this with everyone like, you know, make a big deal out of it, and I'm like an open book with that stuff. So I give him credit for holding that stuff. And I just got my ancestry DNA back. And I can tell you, I. Wasp yet. Swedish norwegian. What's interesting is I don't know if anyone's done it. I, I know this the sharing the information stuff people, but I'm sixty five percent British Isles and twenty percent European Jewish. So somebody commented on that which if I was Ed Mason Mason, who's a journalist, he's funny guy. He said, you always knew eating corn brief on white bread was wrong. But you now you know why? I know that before my grandfather, I knew his parents who were from Poland. I think he he died years before I saw. But I knew that. Seinfeld episode, so now you can use his jokes like. Like. The lesson Elizabeth Warren of learned. I am a white man. So yeah, yeah, exactly. Yeah. Yeah I'm not interested in getting one of those. I'm just crap just looking at me physically when I look at me as I am from everywhere in the earth, where they're not meant to. I would think maybe some German some in. Yeah but you've got a hundred percent Italian. I think so the only thing is my sister used to think that my grandfather on my mother's side because he was adopted may have been polish. Very light skin light eyes, light hair and again, he was an orphan, so who knows where he was from. Not that all look alike, but I'm lighter than most of the talian, I don't have the pronounce features again because my ancestors came from Rome, mostly Italians that come here, come from Naples, south different look than people from the middle of Italy. The people from the north look, more like you, because you don't lighter hair. Yeah. So that's what happens. I would think one hundred percent of time but I could have some other stuff in. It was fun to get the test results, I probably should do it. And then they tell you who, who your DNA.
"eighty thousand dollars" Discussed on The Bone 102.5
"Ways to twenty eight thousand dollars just for the from the raffle. Correct. And just dollar increment five dollar increments. Yeah. He takes care of the taxes. Also, if you don't want the corvette, you can go to his lot, and he'll give to whatever the cash is. You can trade for two cars when you're a gentleman one. And he he actually got three cars for his daughters at twin girls in high school a girl in college. And we worked it out to where he could he get small cars free to them this year, a an an eye. Doctor Kulik, really really neat guy. Really nice guy in plant city one. And it's only happened really wants before we had a. I'm gonna have to have you not allow rich people to win. That donate so much money. So it's kind of karma. I think but he didn't take the corvette CO six he selected a regular corvette Stingray. And because we cover tax title tag fees. We take that full amount of zero six eighty thousand dollars, and we subtract what the breaker corvette was we gave him a check for twenty four thousand dollars. He won't to vet. So he had enough money to cover the taxes the IRS next year right because you don't pay vet. So it worked. Yeah. Yeah. Yeah. This is the thing. And this is why it's not fair. Steve if he wanted to corvette, corvette he that need to ramble. We never know. The idea is the two hundred twenty eight thousand three I need I need. Bins ticket bins next week and one is all of the poor people. All four people saw wrapping the Ritz. All right. We always have usually Mike good make it this year. But might Cal comes out to the Florida strawberry festival where we draw the winner out of this great big hopper. And we pull one of the kids up this ten year old girl names. Zoey. And she comes up. She's this tall skinny little ten year old girl..
"eighty thousand dollars" Discussed on NewsRadio KFBK
"Your host Keith Springer and well, an important show as always a very important show. But this one in particular, if you're close to retirement, or of course, already retired. Because today, we're studying the six things, you don't know about retirement, but need to now, let's face it. Some things are common sense. But a lot is not. And you've got to make sure, you know, the stuff if you want to succeed in retirement, so many of these things gen oh, yeah, they overlook a most people just don't even think about some of these things because again, we never had these classes on retirement growing up. And that's why we have you here on the weekends Keith to help teach us the things we don't understand about retirement. But I was saying there before the break, you know, a lot of people done the right thing. You've been saving all these years for retirement, then you get close and you're thinking, okay. What next? So starting number one day on our list here is actually how to calculate your withdrawal rate in retirement. I know I've heard different rules about this over the years. But what do you think how do you calculate that for someone in it does change? That's a great question. How do you calculate withdrawal rates and a lot of this? I looked up different surveys. And I looked at surveys with hundreds and thousands of people and the stuff that the fewest people I recognize not only in my meetings with people. But for instance, only thirty eight percent of people knew how to calculate withdrawal rates. Typically, you wanna look at about four percent. Now, if you heard about sixty sixty five years old, some people say three point six because interest rates so much lower some say four point two or four point four the use a four percent distribution rate meeting one hundred thousand dollar count. And you're gonna take four percent that's four thousand dollars a year. Hopefully, you get a lot more than. Just sitting on say two million dollars in retirement on top of security, maybe small pension that's eighty thousand dollars a year and that will last without dipping into the principal for the rest of your life. The complicated part comes from tax strategies, which need to be applied to this which can change that number and that's very individual specific as well. As your age if you're sixty or sixty five you don't want to take much more than four percent. Because this money's gonna last year thirty thirty five years, and and for those people who think they're not gonna make it into their nineties. Guess again, most likely you are medical advances are going to go through the roof in the next five or ten years. Let's face it. You're not smoking three packs of cigarettes a day like your great granddaddy, did you not eating two pounds of bacon? Like he did much better shape. And so I met with someone yesterday their mid seventy seventy six years old. Well, of course, they can go higher than four percent. And I asked him once I worked out the tax strategies built into the distribution rate. It came out to five point eight percent. So again. It could be a larger amount if you're older, and if you have a limited time as far as life expectancy you now if you expect to be hundred twenty that's going to change things and we'd like to use age one hundred and I think that's important because too many things are going to change in the next ten twenty years. And so you think that four percent role still works today. Even though, you know, we talk about inflation all the time Keith how do you build the portfolios that keep up with that inflation and still allow you to take out that four percent every year, that's tactical management. We talk a lot about that on the show. And that's the let me let me mentioned the three different types of money management applies here this tactical money-management their strategic money management, and then this passive money management. We don't do passive. I don't believe anybody should pay anybody for a passive portfolio. But that's what most people are paying for the majority of financial planners brokers advisors have people in what's called, the passive portfolio. They don't tell them it's passed. They think it's an actively managed portfolio, but it's in a passive type. Of account. And for instance, you have a bunch of open ended regular mutual fund that's a passive account because it cannot they're not traded and not liquid in order to be tactical or strategic which is what we do. Those are the two types of money management. We do very active very hands on for instance. You know, if Korea launches a missile over Japan, we can sell stocks on Tuesday and buy some gold to protect just in case and on Wednesday things settle down and on Thursday. We could sell the golden by the stocks back again, there are no fees on transactions dach- tactical management. That's the kind of money manager you want to have. Yeah. Unfortunately, most people don't have that. So you're a question about building the portfolio in order to achieve those objectives. That's how you do it. You can't be buying hold. Or what do we call that by? And hope hope is not a strategy. Not a strategy that in my head already. Not for the other one that should be. Well, that's what lessons are important today. Yeah. Exactly. Because you have to learn these things, especially when you're entering retirement and number two on our list here today of the things that people don't know, but needs no here is the accurate way to estimate your life expectancy. But Keith, I don't know my expiration dates where do you start that conversation? No, let me look it up. I'll give you a you want the time or just just today. Your expiration date is no. And and basically, it's all life expectancy. And it depends on where you live in the country. It depends on what you what your blood type is. And things like that. Typically, for instance, today, I look this up a woman turning sixty five can expect to live until she's eighty six. That's according to social security data. Okay. A man rich in the same age will live into the age of eighty four. I don't know why he does younger. Yeah. Yeah. I gotta go. Now, we why you out of the way sorry. Now less than fifty percent of the people believe they would live that long. Now, that's just social security data my experiences. I if you're fairly if you're comfortable or fairly well off your eating better food. You're exercising more. You have less stress. You're going to live five or ten years long than that. Therefore, one hundred is not out of the question. Don, knock it down the lasting, and I tell clients this when I say, hey, we're we're going to one hundred you can't die before one hundred know, of course, they laugh, and then they say, well, most likely just me to ninety. I said I'm not gonna do that. Unless you insist because I don't want you to come in on your ninety first birthday and bang my door in and go you bomb amount of money. And I still have a lot of life left to live. Yeah. So yeah. So figure out at age one hundred and that's what the average person has. But most people sixty percent of people do not believe that they're gonna last as long as what social security says, and the majority of people listening to this show, we're going to live a lot longer than that. Yeah. I love that you give people some buffer room there because we do want to live longer. We wanna live more actively to that's an important piece. But another important piece of putting together, the income puzzle is social security, and we're gonna spend a lot of time on number three here today Keith because this is an important piece of you work with people on, but when should you take social security, what's the guidelines there? You know, they they want you to be confused. You know, how many options there are for the average sixty two euro couple I go back to the Google here. And the first results that pops up is one thousand three hundred seventy nine one thousand three hundred seventy nine different options. That's just not now. Of course, there's lots of strategies and less than one third of the people understood that now in various I want to stress this. Okay. Because it depends on when you take it. How long do you think you're gonna live? But when you need it as well now, a third of the people less than a third believed that if you wait and defer social security an additional two years rather than increasing contributions by three percent for the five years prior to retirement. Okay. You're better off delaying social security for those two years in general the longer you wait the higher monthly benefits going to be. Can you believe only fifty five percent of the people knew that waiting until eight seventy to take benefits gives you more money. Wow. Crazy. And if you lived age ninety so, but it depends on where you live. Now. There's a lot to this. And I want to get don't read sort of what investor PD I thought was really on top of it as far as social security, but let's cover a little bit on on individuals specifics. Okay. If. If you're sixty two and you need money social security grows at about four and a half percent. And it goes up a little bit each year but about four and a half percent from sixty two to sixty six and then sixty seven to seventy eight now percent if you need money at sixty two or sixty three or sixty four turn on social security because it's only gonna earn four or five maybe six percent, depending on when and your investment portfolio should be getting much higher than that. Let's say nine ten eleven percent. However, if you're getting close to sixty six or sixty seven, and then you start needing money, then defer your social security because then they're going to pay you eight percent guaranteed. I say, hey, I'm gonna make it ten percent on your portfolio. But I would take eight percent guaranteed over ten percent possible or probable, right? So very important. So you got to know when to defer one to look back a lot of it has to do now with the amount of payments now, it's about a fifteen to seventeen year break, even meaning if you turn it on if you think you're going to not live long if you have some chronic disease. Turn it on young because you'll it takes about fifteen to seventeen years to get more money. If you're going to live long, and you have longevity in your family, then sometimes you're better off waiting, but the majority of social security, there's two reasons one is what is the government going to do with it. And I liked the fact that if you turn it on they're less likely to mess with it true. And number two is Wendy need it. If you want to retire at sixty sixty one or sixty two and you need a little bit of extra income. Do you take from your portfolio or do you take from social security? I believe you take it from social security because it doesn't pay you as much as your portfolio or make. But it all goes back to the to the overall planning Jim that retirement master plan. And that reminds me Keith we are making a special offer for ten of our listeners.
"eighty thousand dollars" Discussed on KLBJ 590AM
"At investing a small amount of money and making it grow. This is a great avenue to do that. And what's really nice about our program to you? You actually received the software now with other groups, you don't receive anything you get to view things. And usually that software's way more complicated in you've got to go to technical school just to swallow. What you're even looking at let alone all the multiple different types of trades that they have we've got one trade. We've got one trade you're gonna learn about an hour. And it's based on what the market does every single day of the year that it's open and it's called a one-two-three turnaround. And it's it's really simple anybody can do this. So if you're looking to be productive from home, if you're looking to start a business or by a business forget that you're to want to check this out. You know, we have a young lady in our group. This is a great example, she's from Seattle, and she was looking to start your own business. She was. Actually going to buy a dry cleaning business, and she had never been in the dry cleaning business, but somebody told her it was a great price. And I think it was about eighty thousand dollars to get started. And she considered doing that. But she instead went into business for herself with our group and for a fraction of the price for well under ten thousand dollars. She was able to get started with us total out of pocket, and she's now in the group and productive making money after her training period and the training period is short. It's about two weeks. You don't need to go to technical school. You don't need to get a certificate. It's an easy follow along program where you can learn everything we do in a short period of time and be able to go live comfortably. And that's the great thing in a we prepare you. So before you go live with your first trade you've gone through that training, period. Yeah. And like you said we both do this. And last week. I did better. I did better last week in one day that I did in my previous business in an entire. Week. I used to work forty to fifty hours a week running my business, and now I can do better in one good day than I did an entire week..
"eighty thousand dollars" Discussed on The Dave Ramsey Show
"Wait be patient. The storm will pass. The spring will come. Never heard that quote from him. I thought it hurt all the Robert shoot or quotes, but that's a good one. Ten Ken Coleman. Ramsey personality joins us this hour. You can hear his show on Sirius XM I am. We are on one thirty two's. I right. No one twenty one twenty one and one. Eleven Esser yeah, Warrington he won in one eleven and so and of course the podcast is rapidly exploding as well. And the Ken Coleman show is all about figuring out what it is you're here to do and how about get about the business of doing it and Ken is really good at leading you in that process. Jody's weather in New York City. Hi, Jody. Welcome to the Dave Ramsey show. Thank you for taking my call. Really appreciate it. Okay. So I've been in the same industry for quite some time like twenty years, and I've always had an interest in aviation world. That's not what I meant out. But I currently. Your phone broke up an interest in what aviation pilots. Okay. Gotcha. Okay. So I'm on a debt and I saved up my fun. I have two children, three and five. And I'm just wondering if I would be selfish to go through all the training into becoming a pilot. Because I feel like it's a calling for me, but I'm not positive, and I'm just wondering if I should step into that world or if I should just continue doing what I'm doing and saving Ben retire. I mean, that's pretty much where I'm at right now and I don't know. I don't know what to do. I'm just kinda stuck. What would be wrong with becoming a pilot. Well, I've research coastal eighty thousand dollars that. And what do you, what do you now. I make fifty five policy Michael more than that. So you show if you spent eighty and you made twice as much as you make now that be a good return on investment. So that's not problem. What's what's the rest of the problem. I guess away from the family. That's real. That's real. But let's look at that. Do you have you done the research? What is that going to based on the cost and you're gonna do it cash. So that's another issue you're going to do this cash. So it's gonna take a little bit while high, but are you willing to do what it takes to be in the air and fly? I think I have to put my foot forward at least attempted and try and see where goes, I mean, get your pilot license alone is grants. If I felt like it was there for me, I would probably say yeah worth. It was unequivocally. Yes, I don't think it's probably I think your heart is so clear. Everybody on the air can hear it. Here's what I'm telling you. You don't need to fill any guilt. Here's why you've done the Dave Ramsey plan. You're doing the plan. You're going to continue to work in that job. That's making you fifty five thousand. You're going to cash low as you go. And because this is going to take maybe five, seven years I'm making that up. Whatever it is you're going to do as you go. And that means you're not gonna sacrifice that much time away from the kids. Number one number two, you're not going to starve because you're going to stay in that day job while you're pursuing the dream job. And by the time you get ready to be gone. Somebody Apolo the kids are going to be a lot older and the kids are going to see that mom set our mind to something and pursued it the right way and is happy and fulfilled what a tremendous life lesson. In example, you're going to be. I don't see why you should have any guilt at all. In fact, I think you should be fired up about it and take one. Step today, we might even guilt you if you didn't. Exactly. Thank you. I really appreciate it. Thanks for the call. Now reality is where she going to be a corporate pilot today. She might big on a lot. That's that's a little kids, of course. And that might not be lifestyle fits, but this is a process for it's not. It's not a snapshot. These are not instantaneous. That's just push button and decide your pilot. This is gonna take, but let's let's play this out. Real quick folks. You heard this if it takes her day five, seven years to be between the eighty thousand cash flow plus the classes and all the training that requires to become a pilot..
"eighty thousand dollars" Discussed on Before the Millions
"Years is a hundred and eighty thousand dollars. Would you sell that note make thirty five thousand or whatever? You know what I mean? That's that big on how moment I see many fixers flippers come to that big moment. I see many wholesalers comes through. That's quite honestly why I teach all of my clients to utilize all of these tools in their tool belt. Don't label yourself as a wholesaler, don't label yourself. A on flipper. You have to also be able to play the long term game. So what you should do is you should look around and depending on your situation and what's currently going on some properties that you're going to add into your portfolio. That's gonna make you two to five hundred dollars a month. There are some properties that you're gonna wanna wholesaler that you're gonna wanna fix and flip, but do not be a fixer and flipper do not be a wholesaler. That alone is not going to be how you're going to be able to build wealth when it's just like when you first. I mean, even rental investing when you think about the fact that can make two dollars a month on this. Okay, that's not really gonna put a big dent into my expenses or I can make twenty grand by flipping this or or wholesaling this the case may be that sounds good. I mean, that's that's how a lot of people thinking, you know, a lot of people on that listened to show. I mean, these are long term buying hold investors. These people wants credit cash runs to leave their day. Jobs, people want to subsidize their income and the best way to do that. The best way to get a return on your money is kind of what you're leading to. Now what you experienced when you realize that you're like, wait, wait a minute. I told you I have to get hit in the head with a baseball bat with a constant. They close. I didn't have a choice. I said, what am I going to do? What am I going to do? The whole world's coming to an end? I'm not going to be able to sell any more notes. It's a disaster for seven days. I walked around in a cold sweat in a sheer panic and then one day I just looked in the mirror and said, okay, well time to quit being afraid to figure out what you're gonna do. My sat down with a couple of smart people's, what the hell am I do now they said, used to buy a house, create a note, and then sell. The note make your money says night is going to buy a house in create a note. You can eliminate one step from what you have to do. It's going to get easier and you're going to be fine. Then I said, how am I going to be fine? He says, well, what are you got fifty houses in inventory and said, yeah, he says how much your average down payment. I said, I don't know five thousand dollars. He said, okay, go go to work on them. You get five thousand dollars on each one. That's twenty five thousand dollars cash in your pocket. And then how much does your average profit? I said, I don't know about five hundred cash flow. Usually between what I o and what they own me. They said, okay, well, that's twenty five thousand a month. I mean, you can't live off that. What's the problem? And then it'd be. Another fifty. That'll be fifty thousand a month and get one hundred and fifty notes that'll be seventy five thousand dollars a month coming in. You know, I have over three hundred notes brother. You know, I don't need to sell a note any more in my average down payment now is ten and twelve thousand dollars. So what I teach now is just how to live off the down payments and never have to touch the cash flow. Just watch it. Keep going up and up and up and up until you really don't have to work..
"eighty thousand dollars" Discussed on Self Made Man
"Use for eighty thousand dollars per month and recurring cash flow. Now, there's a second part of the story that we're going to dive into as well, which is how I found Chris. And that was a few months ago while randomly surfing YouTube, he'd been producing phenomenal stream video content that is growing his channel by twenty to thirty thousand subscribers per month now, and I wanted to figure out what in the world he was doing. So it's safe to say that this is going to be one of the most valuable episodes we've had here on self made man. Chris is a phenomenal speaker, a great presenter, and he is filled with incredibly valuable knowledge. So buckle up and please help me welcome. Chris, krone, Chris, krone, welcome to a self made man. It is a pleasure to have you on the show brother. Thanks, Mike, really excited about it. Absolutely. So I found you probably a month or two ago just on YouTube and got hooked on your videos. And I think one of the best teachers that I've come across in a long time. In the kind of entrepreneurial slash business, wealth education space. And I think I've probably watched at least twenty or thirty your videos in like the next two or three days. And so I've gotten to know a lot about you and your work, and I'm super excited to have you on the show because I've got a ton of questions for you. Awesome. Michael, listen, I really appreciate it and I love the name your podcast self made. I mean, ultimately, we're all here to figure out how to become our own self made women self made man and figure out how to take life, you know, bull by the horns and make it happen because certainly no one else gonna do that for us. Absolutely. And you've got a fantastic story as to how you financial independence really early in life than you're in your early twenties using real estate, and we have not had a guest on the show yet. That's really used that avenue to build a fortune. So I was hoping that you could walk us through your story because there's a lot of young entrepreneurs who are listening to this. You don't have a ton of money maybe thought about real estate, but they just don't know how. How to go about it and you've clearly crack the code when it comes to that world. Awesome. Yeah. Mike, I'm unhappy to, you know, I it's interesting because by the time I was young man just starting college..
"eighty thousand dollars" Discussed on WBT Charlotte News Talk
"She's making thirty seven thousand dollars a year so some of these guys colin insane fifty thousand sixty eighty thousand dollars that's not the problem one of the money being wasted is not a teacher level the money spent at the administrative level yup lee on the district level where you've got people making a hundred and fifty eurocrats is what we're talking about allen bureaucrats yeah that's where they need to trim the fat is up there and then also on on the benefits i you know we take close to seven hundred dollars a month for health insurance and you know it's a little bit less expensive than private market but i don't think it's drastically different and then the retirement system it's no different than saving your money in a 401k i mean you you make about six or seven percent interest on your money so i don't quite understand where they're saying oh they got the greatest benefits in the world i i don't agree with that either yeah i i understand where you're coming from allen i'm part of it is we need to again clarify the disparity that perhaps exists between north and south carolina but also just the fact that these salaries vary from place to place i do pre shit your call out of simpson ville this morning let's try to get at least one more here with trish in gastonia outfits testing my caller human educator so therefore i am going to be pro education i think that well let me clarify something before you go on trish we're all pro education can we agree on that that's that that's educators do not have a monopoly on being pro education but go ahead and make your point my point thing though is it seems so negative and it's been proven that's the reason that private tools and sometimes twelve schools are so so we'll or are produced so much is because the interaction between community and school and the parents or the support this there's got to be some ownership day or excellently bringing your student to clients with the with the.
"eighty thousand dollars" Discussed on WGIR-AM
"To nobody's we're looking for the annuities that will offer us increasing income and there are very very few of them with over probably five hundred different fixed index what he's out there between the seventy life insurance companies that offer them dr less than a handful that offer any option for increasing income and that's the way we're leaning typically you know that's just one income stream out of many that you have that will offer that increasing income and the reason that it's so important to have that please recognize that inflation is real we talked about the fact that your parents bought out you know their first home for fifteen thousand fifty thousand and we're buying houses for two hundred and fifty thousand seven hundred dollars yeah it's a different world right now so inflation is real and i use a three percent cost of living default for inflation when i'm doing my planning with my clients and that means that whatever you need to maintain your lifestyle today say you need eighty thousand dollars to maintain your lifestyle i mean that's everything that's vacations as bubble gum you name it everything if you need eighty thousand dollars today at a three percent cost of living increase you will need a hundred and sixty thousand dollars or double in twenty two years twenty two years and if you retire at sixty five can you possibly live twenty two years and you know the answer to that you certainly can eighty seven is not a stretch these days ninety seven is doable so be careful with that our number one goal is making clients financially set for retirement and would like to extend an opportunity to your right now tell you plan and be sure that you're well prepared now we offer complimentary financial review the annual calls in the next fifteen minutes and has at least two hundred thousand dollars saved.
"eighty thousand dollars" Discussed on WiLD 94.9
"Of over eighty thousand dollars local news station decided to cover corey's journey and one viewer in particular was extremely touched by it he wanted to do whatever he could help corey get his own set of these really cool bionic legs the viewers name was chris smith he runs in orthopedics clinic before the new segment had even finished airing he called into the new station he told them he'd put up the money to buy figure out a way to make it work and corey received his these brand new legs thursday whilst while he still has a little more training to do on him to become fully proficient he is walking on his own he said there's absolutely no words to describe how thankful he is for this incredible stranger and he's looking forward to being able to walk his daughter down the aisle and oh yes beautiful graham one final one for myself jv we did not get to this yesterday and celebrities spin have to talk about it really quick last week marked exactly one year since french montana went to uganda and he filmed unforgettable with swaley which i absolutely love the video he was touched by the region he was also inspired to help out the community after seeing the healthcare hardships he immediately offered up one hundred thousand dollars any wanted this to go towards helping pregnant women when he gets back home he talks to the weekend the weekend puts up one hundred thousand dollars he talks diddy did he puts up another two hundred thousand dollars all of that money led to the recent opening of the soobee hope health center this center is able to serve three hundred thousand people in need i saw the uganda hospital the french montana has been working with online yesterday it's absolutely amazing and yet another reason i just excuse me i love french montana what's the pot i'm just shock i mean what else he actually brought a good story someone doing something nice inspiring does have one negative my god this is why i can't stand jeff bezos he could care half the world so if diddy and the weekend and french by a few hundred thousand dollars can handle three hundred thousand people imagine of jess jeff bezos by the way don't hit me on twitter and talk about his recent twenty mil or the only other time he gave the.
"eighty thousand dollars" Discussed on Clark Howard Show
"Yeah i mean the good thing is that it's all federal federal student loan so it's not private and it's the only debt that i have i have zero other debt i make about eighty thousand dollars a year my fiancee also has quite a bit she has a hundred and eighty thousand dollars and she makes about ninety thousand dollars a year and i guess my question to you is that i was advised by you know account in financial advisers considering the amount of debt that i have i should just make the minimum payments for twenty years and then get the ten ninety nine c you know and discharge the remaining balance because they basically told me that if i go pay as much as i can for ten years on the ten payment plan in ten years you know i could have purchased a house put money in my retirement accounts and be okay essentially and just maintain a you know balancesheet pours centrally what do you think well i mean this is a mixed bag because your income in your fiance's income or either of you in professions where over the years over these twenty years or you either both of you going to see a steady rise in income or will you be in this general vicinity that'll just maybe inflation adjust with raises for promotions and stuff like that over twenty year period her cap is probably about one twenty to one fifty and then i would say my cap is unlimited she's a physician assistant and i'm an attorney so you could end up eventually having a very lucrative practice in earn quite a bit more money and pa.
"eighty thousand dollars" Discussed on KGO 810
"Get the list though your wanted to celebrate your birthday with jay z never neural out of it but i would yeah sure now that'd be pretty off did you see what happened he went out for a friend's birthday spent eighty thousand dollars on champagne and left in eleven thousand dollar tip oh i want jay z to come to one of the spots it i've worked yeah you wanna be their heart energia that eleven thousand dollar tip y'all take that i want to go out and try 1200 or fifty thousand dollar bottle of champagne one of them is a is there 50000 not know aides of spades goal butler 1200 dollars a bottle of their even heard of no way that that stuff is worth it there's no way what is decisive spade that have never even heard of it eleven grand is eleven grand man that's definitely worth yeah gotta love jay z though he took out his body and spent one hundred grand for celebrating his birthday party his birthday i'm just waiting for one of my friends get rich yep just keep waiting dave keep way gracia says chris is getting there is he's working on it is working on it all right let's get to today's holidays because boy there's one that i really want to talk about the other three are like what nuristan at card reading day what the heck is card reading day dave carolyn you're in cards deng like cards like like in the mail private you fan birthday card valid enough i guess you're supposed to read cards is random cards.
"eighty thousand dollars" Discussed on WJNT 1180 AM
"Eighty thousand dollars in the state in your early forty's then you then increase your retirement accounts uh to say to require of and a half or thirteen and instead of ten percent in europe parties uh then you will have uh uh a whole lot more word and see exactly what it is but so so if you out to uh to do that you need to start disciplining your sale young young people you need to discipline yourself so that you will be able to uh no uh what to do to make of the kind of uh have the kind of money you need in a in europe in your retirement now of course not everyone is prepared for retirement in the '60s then you've got the social security siege in figure in there with it uh so but a conservative see wells fargo did a story did a survey in 2015 said america's sixty an older have about fifty sixty and older will have about fifty thousand stashed away while people fifty nine fifty two fifty five fifty nine three times as much uh so what we've got is a vast under savings or ric orao uh you got that situation that uh is being prevalent in benpres forever especially women particularly because women being divorced or in not spinning as much time in the workforce as men have and in some cases i hate to admit it but in some cases being underpaid um they have a worse problem than men do think of women divorced in our widowed or whatever so.
"eighty thousand dollars" Discussed on WTVN
"Run into those same laws with her daughter and are sexists which has been dealing with teacher shortages of its own came calling recruiters from south of the red river set up tables job perished in some of oklahoma's larger communities offering better pay and benefits and potential stability despite being named oklahoma's teacher of the year she had took the deal leaving behind colleagues like theresa banks easily eighty thousand dollars out of pocket and every year to make it happen for my kids that third grade teacher and toll so recently drew had turned sent headlines by standing on a corner with a sign reading teacher need school supplies anything helps now activists are demanding that oil companies be required to pay off higher percentage of their profits back into state coffers to help fund education if we need go she a five percent compromise our state is still bank two now the oklahoma city school board is interviewing law firms with an eye toward filing suit against state lawmakers school trusty mark man says the legislature it needs to look beyond oil income they can raise revenue they can make our children a priority and fight and education properly there's another factor adding to the sense of urgency to diversify the three hundred million yearold supply of petroleum beat the neat the oklahoma countryside bay run out in a relatively short four hundred years for the state's two thousand sixteen schoolteacher of the year sean shehan the schoolteacher wife and their young daughter the bhidia futures more certain i still get to do the job that i love the job that i was highly awarded for but the differences now i'm paid a.
"eighty thousand dollars" Discussed on Money For the Rest of Us
"They make eighty thousand dollars in terms of their salary and there's in their saving eighteen percent of fourteen thousand four hundred dollars a year and so that's what i loaded in the vanguard and fidelity and so van since fidelity's asking how much am i going to spanned in retirement and you you had the option was from the include security are excluded i excluded it because i wanted to just to kind of look at the actual calculation based on the retirement portfolio and again because they just ask not the dollar malbo what kind of spender are you they just assumed i was going to spend fifty five hundred dollars a month and so my my percent span of the portfolio was very high and so the probability of that the portfolio lasting throughout a thirty or retirement was very very low but there that's that's another key assumption then so how much will you be spending in retirement annually and then we need to know again know how the portfolio will be invested and for this again they're trying to figure out what the return will be now most other retirement spanning calculators use a simulation analysis called a monte carlo analysis so they're using historical returns in historical volatilities and they'll do two hundred fifty simulations a vanguard i'll do five thousand the simulations and so what they're doing is they're looking at a an assumption is or terms of eight there what letting the portfolio run and the single here's your return pattern over the thirty years here's what you're spending does the portfolio run out of money and it'll come up with an average and they can come up with a range and so it's very much a a simulated monte carlo type simulation and so it's hard to compare from one.
"eighty thousand dollars" Discussed on KPNW 1120AM Newsradio
"Hundred eighty thousand dollars to the jewelry the core the owner denied that he was hurt and then truth an investigation what confirmed to investigators said in particular item in fact so who would to this person who happened to happen get the hotel only eventually the woman who at the hotel at the pierre will kelly wanted to coopt that uh he was converted to so the guys get get all this stuff out of these boxes jewels stacks of cash an amazing amount of cash they stop in at a louis vuitton bags at least it they hit it into the limo they're about to leave to cops come up they they send them down the hall way and lock the place up and they take off they go to there were their getaway cars are parked and again some bad luck happens it was a it was a really really cold and one of the second getaway car get stock the battery was frozen so they had to come thought it would be a getaway car and why we're doing this uh an aid he of the the robbed the robbery which pulling the third getaway caught nosetonose with the caught it wasn't starting hold the illegal uturn and aqap happen to be driving and stop them and of course the the the wanted to know what they were doing and just created quite a moment akg but bobby upper two what is finding a silver tongue was able to uh the com the policemen and explained that they had a situation where they had to attend breakfast at columbia university that they were get this breakfast meeting and but unfortunately wanted it caused wasn't starting and somehow he convinced the policemen.