31 Burst results for "Forty Five Thousand Dollars"

Blue Cross Blue Shield Will No Longer Waive All COVID-19 Treatment Costs

Business Wars Daily

01:52 min | 2 weeks ago

Blue Cross Blue Shield Will No Longer Waive All COVID-19 Treatment Costs

"The early months of the pandemic people who were hospitalized for covert nineteen infections and had private insurance could be reasonably sure. They wouldn't end up with crushing medical bills analysis. By the kaiser family foundation were kf f found that in november of last year nearly ninety percent of people with insurance had their co pays co insurance or deductible costs waived if they had been hospitalized for a covert nineteen infection but the times. They are a changing last week. Blue cross blue shield of michigan announced that it will no longer cover all costs related to cova treatment. Starting october first hospitalized patients will be responsible for copays deductibles and co insurance for treatment of the virus. The insurer will still cover. All vaccination costs making them free to members including booster shots. The insurance company is the latest join a growing number of private insurers who were taking similar action now that vaccines are widespread and cova treatment so expensive. Insurers are holding patients responsible for their share of the costs again. Blue cross blue shield research found that the average cost for a hospitalized. Couvert nineteen patient could be as high as forty five thousand dollars. That quickly soared to over one hundred thousand dollars if the patient was in the icu. In a report out this month. Kf analyzed the two largest health plans in each state and washington dc which includes companies like kaiser cigna and united health. All of them had waived out of pocket costs at some point during the pandemic most have stopped doing so or will in the near future by the end of the nearly all will have ended such waivers. There are a few holdouts like humana which will continue cova coverage for its medicare advantage members. According to a report by fox business

Kaiser Family Foundation Blue Cross Blue Shield Researc Michigan Kaiser Cigna United Health ICU Washington Dc Humana Medicare Fox Business
(02/27) HOTL Hour 3

Handel On The Law

03:05 min | 7 months ago

(02/27) HOTL Hour 3

"This is handle on the law. Marginal legal advice. Where i tell you have no case. This is floored where a woman is suing the town. She lives in after getting more than a hundred thousand dollars in parking fines. And so is the story of sandy martinez and she parks in her driveway in such a way that she has violated the town ordinance and has been for over a year parking her car in violation of the town ordinance. Whether it's on her property it goes over the driveway. Whatever does the story doesn't tell us exactly what she did. But she's been sitting there and accruing fines of over one hundred grand and now. She is suing the town saying that you have no business finding be one hundred thousand dollars. That is excessive and therefore it is illegal and therefore the fine should be removed and the argument is that the amount of the fines are catastrophic and the government doesn't have the power to impose the financial death penalty so to speak for trivial violations. The company said or her lawyer said the town finder two hundred and fifty dollars per day for the harmless offensive part Parking your car partially on our own front lawn which is clearly in violation and she did it enough to where she got. Hit two hundred and fifty dollars a day and wouldn't and by the way wouldn't move her car it's not as if they towed it away. They just kept on hitting her with fines because they would hit her with a fine she would affect too bad. I'm not paying and now that it's hit a one hundred thousand dollars. He says that's unfair. And she thinks that the law itself or the fine is excessive. She's going to have a tough time with this. And the reason is and the only reason of the reason. Her arguing excessive is that it's it has added up to so much money. Well it's how much the initial fine was. And she's violated violated violated violated. And i think she finally got The two hundred and fifty dollars a day out of two hundred and fifty dollars a day for the entire year three hundred. I don't know but three hundred times to fifty years but it's more than a hundred grand so her argument is not gonna fly for example. Let's say you get a part. Let's say you get a speeding ticket day after day right. And it's a couple hundred dollars and you don't pay it and somehow you're ignoring the warrants. That are out for In your name in the end you get tagged after five months speeding every day and wait. That's too much money. You're charging me doesn't work that way. And so she's gonna lose. There's no question and and the legal issue is does the city have the right to impose a fine of two hundred fifty dollars date. Yes does the city have the right to determine where parked my car on my property. Yes you can't park on your lawn yes. Does the city have the right to say on a public street. I can't part more than seventy two hours us. More than seventy two hours which is my local ordinance. Otherwise they told the car. Hey it's my property. That's a public street. You can't have the right to take away my car. Oh yes we do and it happens all day long so great argument lady absolutely for sure phone calls. Hello audra welcome to handle on the law. Hi four and a half months ago. We were heading out of town. Pulling our brand new trailer year-old fish tailed and Flipped and it was totaled My trucks has one insurance but trailer has a different insurance. My trucks and repaired. We're all good. My trailer was sold. As i said I signed a month ago. I signed the title over to them and they in the letter said we're going to give you forty five thousand dollars. I can not get the money from them. I keep getting passed around to people by sue. Them you've got assume. You have no choice if sue the insurance company. Now it's all you can do. The insurance companies the one that breached the warranty the contract insurance company good news. That's good news. Okay so you find out where they do business. Are you in the state of california. Do they have an office in the state of california. I believe they. Do you find out where the offices and you sue them. And if you can't find an office in the state of california then what you do if they don't have An office but they sell in the state which clearly they do. Then you simply contact the secretary of state and you could do this all on the internet very easy to do and you find out who the agent for service of process is. There's actually the name of a law firm or a an individual where you can serve the company and then that individual law firm whatever law is representing whoever you're suing who is not in the service of process service awesome. Yeah just go right to the secretary of state. Hello jake bill. Yes what can i do for you

Sandy Martinez Hello Audra California Jake Bill
Man gets $45K severance package after declaring job ‘too boring’

News, Traffic and Weather

00:23 sec | 1 year ago

Man gets $45K severance package after declaring job ‘too boring’

"A French man was awarded a forty five thousand dollars severance package after he said his job was so boring that it drove him to depression Amanda work today perfumery originally sued the company for six hundred thousand dollars he was demoted and claimed he was assigned to menial tasks which made him quote depressed destroyed and ashamed press reports say this is the first case of a borough in French history

Amanda French
"forty five thousand dollars" Discussed on KSFO-AM

KSFO-AM

02:21 min | 1 year ago

"forty five thousand dollars" Discussed on KSFO-AM

"Forty five thousand dollars less for income payments when you can have up to six percent guaranteed for ten years with the guaranteed lifetime income account let me repeat this just in case you missed a single twenty percent loss at any time during the ten year period means that you lose forty five thousand dollars on a one hundred thousand dollar investment you invested one hundred thousand dollars and instead of having almost one hundred and eighty thousand dollars you have less than a hundred and thirty five thousand dollars after ten years what financial planner or private investors good enough at investing to avoid all major market corrections over ten year period now what about fees imagine if you were saving for income lost forty five thousand dollars just because of the twenty percent market loss and then had fees reducing your income account value in addition to the losses if what I'm saying makes sense call me and I'll give you a complimentary copy of our sake money book when we meet I don't work with everyone so if I can help you I apologize but my calendar is typically booked at least two weeks out I specialize in working with those approaching or in retirement if you're not at least age fifty I probably won't be able to help you I also require at least one hundred thousand dollars in retirement savings but typically work with the count values between three hundred thousand dollars and five million dollars once again my number is eight four four three zero six seven two three three that's eight four four three zero six S. A. F. E. good just isn't good enough when it comes to investing in risk based investments we all know how look works in risky situations eventually the luck runs out at the very least it becomes an issue timing which eventually becomes a victim of random chance if you want to control your risk based investments you have to control everything it's not good enough to just be a good investor you must control politics corruption global instability the weather computer glitches computer attacks every bad thing.

"forty five thousand dollars" Discussed on KTAR 92.3FM

KTAR 92.3FM

05:50 min | 1 year ago

"forty five thousand dollars" Discussed on KTAR 92.3FM

"The staff those in the lobby of Ramsey solutions Hey guys how are you Hey Dave wants to be here were honored to have you where do you live Indianapolis well that's not a bad trip when I was a mash bill thank you good to have you and all the way here to do your debt free scream that's right very cool how much should be paid off forty five thousand dollars in ten months wow that's excellent and your range of income during that time I was about ninety seven two hundred thousand cool what you guys do for a living I'm a business analyst and I'm a marketing director fine yeah you guys need what kind of that was the forty five yeah so we had about seven thousand dollars on a car loan and then the rest were combined student loans about thirty eight thousand total cool how are you gosh twenty nine and almost twenty nine PM in how long you been married almost five years okay so four years in and really you were out of school about that we got our first got out of school got married right and for years and you look up and you go the student loans are moving so what happened well I really wanted to do your plan as soon as possible story we actually read the total money makeover while we were in college and before I got married but we work on your plan but when we did get married I was working in our budget every month by myself and it's really pretty overwhelming because we hadn't those loans and we weren't saving any money we were pretty normal we both had a credit card you're paying it off every month we have bought some things on zero percent interest but like you said we weren't making any progress on our debt and which is very very stressful yeah I don't think the numb at that point I checked my student loan balance after I've been paying pretty hefty payments for about a year and the balance had gone down at all and that was kind of that moment for me where you know I knew I I deferred my loans for awhile so I was just paying interest in interest and so I kind of had that moment of just we can't do this anymore and so I remembered reading your book Chester listen to your show every day and just kind of got excited about it and then we had come this other moment where we would commute into work every day in separate vehicles and we got the same time we cut away to each other driving on the interstate and it kind of occurred to me that maybe we could just go down to one vehicle and kind of jump start this this debt snowball sama yeah that's what we did is we sold my truck radical and sold my motorcycle yeah and we took a little of their money from savings and this kind of through that are dead in the first month we we paid off the car loan and then her student loan and rest the not the next nine months which is my student loan thirty thousand so so staff you were kind of trying to hold it all together and he comes along and all and suddenly gets motivated you relax thank you Jesus or definitely I it was a blessing and it was all his idea which was even better I didn't have to keep pushing the envelope that's perfect very cool so what's the secret to getting out of that you paid off you know on average of forty five thousand dollars a month here for ten months that's pretty impressive when you sold the car that's part of an usual motorcycle as part of it right yes that definitely help yeah what's the secret to getting out of that for me there are really two things it was us working on the budget together and constantly talking about it which is inevitable when you're always in the car together and the other thing was just being a total mine should mind mindset shift in realizing we are managing god's money it's not our money okay yeah I think for me it was and we we definitely want to give god all the glory because he was definitely walking through this this whole process that was big and then just humble yourself to the plan you know it definitely works you just have to commit to it and then being okay with people thinking they're weird because some of the stuff we did people thought we were a little crazy but that down to one car get the rest of my brows yeah no and then the shoulder motors what is your kind of cold right yeah yeah so who is your biggest cheerleader outside the two of you I think our families were very supportive you know our friends and co workers even the thought we're little weird they they definitely were supportive so we appreciate them so once you decided okay we gotta do something you just get the book off the shelf and dusted off for what did you do in terms of you go through the class or what you do yeah we we definitely re read the book a little bit and then we just listen to the show I mean we listened to at the gym driving the car every single day together listening to it so that was that was a big part of keeping your podcast fluently here okay very cool very cool congratulations you guys very proud of ya very well done we got a copy of Chris Hogan's everyday millionaires book for you and absolutely incredible and that's the next chapter in your story you're going to be everyday millionaires twenty nine you're fully it feels amazing and huge weight lifted off our shoulders not even thirty and you're done yeah it's been incredible to see the way it's worked on our marriage and our faith and we're actually in the process helping coordinate our second after you collect all connection point Brownsburg sellers it to be a part of that thank you for doing that so you did not only went to the class you're actually coordinating yeah well and that you you know you're kind of like stuff in it in the face of these people that are saying millennials you know all right all this negative stuff in here you are like touch me as possible this is not only possible it's probable when you decide and you guys are doing it you're you're incredible well done all right Jeff instead of from Indianapolis Indiana forty five thousand dollars paid off in ten months make it ninety seven two hundred calories down let's hear a debt free scream any three two one.

Dave Indianapolis
Trump Again Pushes Schools to Reopen

Kilmeade and Friends

00:55 sec | 1 year ago

Trump Again Pushes Schools to Reopen

"Thing never sees in colleges and K. twelve schools they're all planning right now and how that can happen and the reality is is it may look different from location to location from community to community depending on where the viruses and what the challenges are but I expect that there are lots of planning sessions going on right now and I agree with the president that kids have to get back to school yeah I absolutely they got to get back to school they got to get back to college don't tell me to write it forty five thousand dollar check even if the room and board is included will you give it back to me why am I rushing to college people gonna take a gap year and our call back this year especially if you're an athlete I mean these student athletes they got destroyed in the spring nobody's fault except that China they got destroyed this spring you got to go back there and have some normalcy there make baking commitment make it happen don't throw up you had to say to risky I'm afraid of being sued

President Trump China
Stocks Just Had Their Best Week in Decades

Squawk Pod

03:23 min | 1 year ago

Stocks Just Had Their Best Week in Decades

"Stocks rose solidly again today on Wall Street. Is the Federal Reserve? Outline more programs to support the economy today. The Dow rising two hundred eighty five points. The S&P five hundred was up about one and a half percent but check out these numbers for the week. The Dow is up almost thirteen percent for one of its best weeks on record the S&P five hundred rising twelve percent its biggest weekly gained since nineteen seventy four and the Nasdaq ten and a half percent rise. It's best since two thousand nine about the small Cap Russell. Two thousand. Its Best Week. Ever Oil didn't participate though falling. Nine percent as conflicting reports over a production cut weighed on prices there but late in the day it was confirmed that OPEC and its allies agreed to a ten million barrel per day cut for more on today's two trillion dollar fed accident. Let's bring in. Steve Liebmann Steve. It's good to see you this evening. We've used the word historic many times during this crisis. And it's the word we're GONNA use again tonight because that's what the Fed did earlier today. Yes Scott I would add unprecedented extraordinary actions by the Federal Reserve to the word historic The Fed announcing programs worth two point three trillion dollars of lending into the economy. Let me go through some of the details here. It is announcing a six hundred billion dollars of loans to in a mainstream lending facility. Something that has never done loaning to individual businesses eight hundred fifty billion dollars in corporate credit including buying high yield that is junk bond debt. Something it has never done. Additionally five hundred billion dollars in loans to state penalties it has never before loaned against municipal bonds. Let's we fed chair. Jay Powell speaking today saying that explaining why the Fed is taking these actions. It has never done before. People are undertaking. These sacrifices for the common good we need to make them halted extent we have the ability to make them whole. We should be doing that as a society. They didn't cause this their business hasn't closed because of anything they did wrong. They didn't lose their job because of anything did wrong. This is what the great fiscal power of the United States is for is to protect these people. Let's talk about these mainstream lending programs. It's Kinda complicated but let me walk you through what we know about how these are going to work there for year loans. They're open to companies with ten thousand dollars fewer ten thousand or fewer workers and revenues of less than two and a half billion dollars. Mostly these are going to be for mid sized companies. So let's in a very very loose way. I want to walk you through how. The taxpayer is financing these loans. Let's take a typical million dollar loan. That is the minimum size. At least initially. The bank will finance fifty thousand dollars of it. The Treasury effectively finances a hundred five thousand dollars. That's the set of the tax. Payer is on the hook. It's more complicated than that. But this is simple version and the Fed will provide eight hundred forty five thousand dollars of the rest of the financing for that loan. You can see. They could lever up that taxpayer money into much more money at the end and Fed Chair. Jay Powell was asked. Hey Is there any limit to this? You said no with legal limits of what the Fed can do Scott. They can keep going. There's more money from the Congress to do this and the fence sounds like it's going to be doing more here.

Federal Reserve Jay Powell Scott Steve Liebmann Steve Opec United States Treasury Congress
Apple is gearing up to fight the EU over the lightning connector

This Week in Tech

03:23 min | 1 year ago

Apple is gearing up to fight the EU over the lightning connector

"Apple is fighting against the EU voted. Five hundred eighty two to forty in favor of a common charging standard type C So the reason is hey. We're all buying way too. Many chargers be nice if we could reuse them and they would end up in the landfill. Apple says you'RE GONNA kill innovation because the lightning port is of course so much better than type Z. Is it no no? No No. Does the same thing right. It was better than micro. Our grant much anything's better than micro. Usb But types now they don't have that argument anymore so I think the tricky thing with that too is like you know ten years ago. The you tried to do this. But the micro chargers and you know it didn't really catch on a kind of They didn't make it a law. They did it kind of an agreement right this time. The question law right but there's also a moving target right because type C will last for ten years. And they're gonNA have to mandate another connector so like you know putting that in the hands of government regulation rather than the individual filmmakers i. I applaud the the idea behind it. I just wonder how how much it's going to be workable. I is apple going to create a second phone for the market. Are they really going to abandon the lightning port? After all the time and money they spent at it are they just going to figure out another loophole for skirting this like. I'm a little skeptical. It's actually gonNA. That's what Tim. Hardwick contention is in macrumors. He says this is just going to make apple. Make this connection lists iphone. That there's been rumors about that. Just does wireless doesn't have you poured it all. That seems just horrible. Things happen and they. They've already gotten rid of their own lightening cable. When I buy my Mac pro picking up touch it has to USB breath on it no other porn and everything else should just be that to get rid of it on their own. They know better to squeeze not because they can charge. You forty five thousand dollars for the lightning game. There is a good point to be made there. Yuba key sells The songs I use a you key to you know to log into last pass another us. High g mail highly secure things and this one has a Taipei connector on it. But there's a you you becky with a Type. C and one end in a lightning on the other. The one with lightning on it is forty dollars more than the one with just type C. You now and then away. That's how you can tell. That's the apple. Tax is forty dollars. Fun is an NFC one too though so that in theory that should work. Yeah that's actually going wireless one. Yeah right I think they'll move eventually because the lightning port will eventually just pass. It's useful in the same way. I think the issue is like they're also worried like when they abandoned the thirty pin connector. It was the right move at the time but people were not happy about that but having to replace all their stuff. I mean it softened a little bit by the fact that the USCCA is at least standard. But Yeah I I. I'm kind of picturing there being a lot of revolt when they decide to eventually abandoned lightning stuff because so many people have not only cables but accessories and peripherals. I think in the next year or two. I think they're going to have more. People are GONNA see. Yeah blame the blame. The chargers all over the place. I'd love it if there

Apple EU Taipei Hardwick MAC Yuba Macrumors
Talking to GPT-2

Data Skeptic

04:52 min | 2 years ago

Talking to GPT-2

"Shen so what if I ask it to predict what comes after Elmo Comma Burt Comma and a list of other names some of them familiar some of them gibberish models require a great deal of not only training data but computational go right now I could spin up a hundred two hundred maybe even a thousand computers I'm trying to spin up one hundred thousand machines 'cause I I don't know maybe they know I couldn't pay for it assists to raw compute in distributed computing especially is no longer is it right the prices are often driven down on spot instances and stuff like that at the member where I got this little nugget of wisdom because I have not been able to find the source GPT to model which is somewhat analogous to burt that eight lot of money and if you think forty five thousand dollars is a small amount I don't mean to some crass here but it's also not this part of the show right now but you'll understand when you guys get older it's a lot of money the money so training model like gpt to or Bert these models and kept them to themselves built this economic barrier to entry in and perhaps for another episode but as it stands that models published and engineering on my natural language processing problem so as we've talked about on previous things like question answering tasks in next word prediction in a variety the next episode or maybe the One after that hopefully I'll be talking to one of my colleagues about our use I is quite powerful it's almost becoming the de facto standard for an l. p. tasks that it's actually quite

Shen Bert Forty Five Thousand Dollars
"forty five thousand dollars" Discussed on New Jersey 101.5

New Jersey 101.5

03:00 min | 2 years ago

"forty five thousand dollars" Discussed on New Jersey 101.5

"The forty five thousand dollar threshold in the program's first year the deadline to apply by filling out of France late application is September fifteenth so David Sokolow the higher education students systems authority so we're urging anyone who's thinking about enrolling or has a role but didn't get those applications done now's the time to do it this summer state hasn't yet released final numbers on participation in the program's first year or its final cost to taxpayers at the state house Michael Simon's New Jersey one a one point five news a little catch up karma has a thief trying to reverse the bad tomato mo Jo at the Perkins restaurant in laci staff found two new ketchup bottles and a note that read a few weeks ago I had taken one of your ketchup bottles off the table because I thought it would be risky he goes on to say just hours after the theft he got into a car crash alluded to some other bad luck I hope returning to new bottles will restore some karma for me he wrote and I can stop carrying around this guilt restaurant staff says all is forgiven would you feel comfortable heading off to work or traveling down the shore in a car that was driving itself from any Jersey residents the answer is no campaigns been launched trying to offer encouragement about this new automated vehicle technology Tracy noble of triple a mid Atlantic which is part of the partners for automated vehicle education coalition says developing cars that drive themselves makes a lot of sense we believe that they have the potential to make drivers safer because they will take the guesswork out and they will eliminate the distraction she adds many newer model vehicles already have a lot of automated vehicle technology including adaptive cruise control emergency braking and stay in lane systems and these things are making cars safer David Matthau New Jersey one a one point five news there was no miracle for St Mary's Catholic high school in Elizabeth supporters launched a two million dollar fund drive after the church announced the schools closing they didn't even come close now after eighty nine years St merry's will close it is the latest on a growing list of schools the Catholic Church has been forced to close due to declining enrollment as the population ages personal care aide jobs are rising the fastest in the United States but it's a bit of a different story in New Jersey according to a new analysis of federal labor dated no job has grown faster here in the past decade than that of a skin care specialist cleansing and beautifying the skin New Jersey is the only state to report this field as its top job gainer from nine to twenty eighteen a matter of time before it really took off duty Wadia with the salon professional academy and how will says social media has been a game changer people want to look good for the camera this profession helps them out it's also a shorter training program compared to hair styling or cosmetology eighteen weeks and students are off to a salon or medical office do you know find me on New Jersey one a one point five news time any jerseys first news five twelve we have a mixed bag for the weekend that'll have an extended look at the forecast and we'll recap our top stories.

forty five thousand dollar two million dollar eighty nine years eighteen weeks
"forty five thousand dollars" Discussed on KTAR 92.3FM

KTAR 92.3FM

02:06 min | 2 years ago

"forty five thousand dollars" Discussed on KTAR 92.3FM

"Yes forty forty five thousand dollars okay and so you you're you're sixty thousand dollars was you have negative equity already a fifteen year old in yes okay that's what I was trying to get to this from forty five it's gone down to twenty five in one year a bill out it's down to it's down to the trade in value or even if I was until the party so it's about it's at about thirty five but I fifty five went on ten grand a year yes which model of Beamer is this it's seven series okay that's our mouths that's just a car up they should hold its value better than that I'm I'm a little shocked okay so you fifty five minus say five for this warranty it's just a fifty to sell for thirty or twenty in the whole okay which basically is the a little bit of appreciation and the amount you're in the hole before yes that's what it amounts to okay right well here here's the premise and you're obviously a bright guy other than this decision but the the premise is it's very difficult to build wealth when you own things that are very large in ratio to your income they go down in value she have a very large item it's a hundred percent of your income annually right it's going down in value and so when it loses ten percent fifteen twenty percent in a year that's a big hit at as a percentage of your income it makes it very difficult for you to make progress in your wealth building you you can survive this but but it's just you're just dooming yourself to be in broke you know because when you turn sixty thousand Bucks in the ten thousand Bucks and you make fifty it's hard to survive.

forty forty five thousand doll fifteen twenty percent sixty thousand dollars hundred percent fifteen year ten percent one year
"forty five thousand dollars" Discussed on 710 WOR

710 WOR

02:01 min | 2 years ago

"forty five thousand dollars" Discussed on 710 WOR

"And then there is no fear. Minimum household budgets. You guys can live on the two of your both working in the business right now. So it's me and my business partner and always taking this really modest salary. I'm forty five thousand dollars each each profits a year on Amelia, and at least twenty percents. Okay. Perfect. That's exactly what you need. So run. A PL run a profit and loss statement each month and out of that pay the forty five thousand dollars to each of you, right? Annualized? Okay. And then with what's left we're going to call that prophet after staff has been paid in your staff. Okay. Take a percentage of that every month the rest of your life and build retained earnings. Until you just got way too much cash in retained earnings, but that's probably not going to happen. Because what happened here is we do that. And we've never been able to catch up. You know, we never no matter. How much we save? We can never get to the three to six months of business operating expenses. And so, but, but we always are pudding, and the more money, we make the more money, we put in there were always putting a percentage of our net profits, the second thing, I want you to think about Daniel's. Exactly, right. His. Suggestion is the is the answer in. It's the retained earnings issue. The second thing I want you to think about is diversifying your product line where you're not depend on the government for all your income. Let's have a private offering as well as governmental offering this cash on the barrel head because you just do not want to have a business where people control you, and they're called the federal government. It's ju- if that's your only product line. That's just leaves you so vulnerable to a government shutdown or to some kind of other issue, and you just need when you've got a you control, the controllables, and you can't control this one..

Daniel Amelia partner forty five thousand dollars six months
"forty five thousand dollars" Discussed on KTAR 92.3FM

KTAR 92.3FM

01:51 min | 2 years ago

"forty five thousand dollars" Discussed on KTAR 92.3FM

"Well, making forty five thousand dollars with a twenty five thousand dollar car debt does not make sense. Yeah. I know I know your principal on Motors wheels. So sell it. That would be my advice. And then when she sells the house to make the move wouldn't she buy a house in the new location? She would gonna she's not gonna spend more than one hundred grand on that. And then to eighty okay? But that time she got some money to invest or move back up and car a little bit if she wants to upon retirement, but a forty five thousand dollar household income doesn't justify twenty five thousand dollar car. It's one of the reasons she's got a little feeling a little pinched. She's pinched in the vehicle that's one of the mounts to and so, yeah, I've dumped that car gets you a lesser car. Pileup cash when you sell the house and move to the grandkids after retirement three years, if you want to move up a little bit more car at that time because you got some extra money leftover. Yeah. That'd be fine. Thanks for the call open phones this hour. This is the Dave Ramsey show at the bottom of the hour. Anthony O Nieto will be with us Ramsey personality. Everything about teenagers and money, everything about college, agers and money, everything about millennials and money. Yeah. Sure. And check it out. Anthony, it'll be with us at the bottom of the hour. This is the Dave Ramsey show. KTAR breaking news. It's one fifteen I.

Dave Ramsey Anthony O Nieto principal twenty five thousand dollar forty five thousand dollars forty five thousand dollar three years
"forty five thousand dollars" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

04:31 min | 2 years ago

"forty five thousand dollars" Discussed on The Dave Ramsey Show

"Forty five thousand dollars a year. We're currently renting on apartment for seven hundred dollars a month. We're while I'm babysitting to we're paying off our card that which is around twelve thousand and I'm really wanting to just smack in the face and get it out of here. But right now, we have a four year old child and we've been living in the us a really horrible apartments for about four years. And so it was it was it wasn't that bad when my son was very young and small, but I'm reaching a point to where we need to find somewhere more suitable or maybe I've had colleagues and friends that told me about FHA and first time down payment assistant probe. Grams that might help me find some type of property where I can I can also a duplex where I can also ran out and kind of steady, my my payments. So my question here is would it be wise with the with the step that I'm onto continue where mad even though it's really a horrible situation for me and my family or look for more a nicer apartment or just go ahead and try my educated on homeownership and getting house or duplex nothing down and duplexes are a bad plan for you just desperate to get out of the apartment. You're getting ready to do some stupid out of your desparation. If you're not careful, so you need to do this in the right order, and in a way that is wise now. How quickly are you gonna have your car paid off? Two years takes us too long. You should take two years to pay off twelve thousand dollar car not making forty five. That's only six thousand dollars a year. That's lame. Okay. You need to get after it you need to get out of that apartment soon that you does your wife work outside the home. Yes. Okay. And and your household income is forty five thousand. Yes. But I'm I'm currently in a trade apprenticeship and within two years that income will have doubled which is when you need to buy house. Now, your son is four. Yes. And you're a horrible apartment. So. Seventy seven hundred fifty dollars. Okay. Is it unsafe? Yes. We've got there's there's mold crime. Yes. I actually a few a few weeks ago someone was shot and in the complex apartment complex. Okay. Yeah. Yeah. It's time to move. And so you need to just rent the cheapest thing, you can find that's not mobility and crime ridden. Okay. But it's time to move, and and the money that you pay extra in rent between now, and then is going to have to be made up for by extra jobs. You're gonna you guys are going to work like crazy people for the next two years to make sure not only just car get paid off. And not only do you build your emergency fund. And not only do you pay the increase in rent. But on top of all of that you save your down payment. And then you're going to be ready to buy about two years. But every dollar you pay out an extra rent to have a little bit better situation is going to slow down. How quickly you buy? Exactly. Yeah. And so that's the paradox. But if your son is unsafe your family's unsafe. You're good dad to look at that. And go I'm not gonna you know, there's no amount of money in the world put my kid at risk, right? So if it slows down how quick you buy a house it slows down hectic you buy a house, but buying a house wrong because you're unwilling to pay a little bit more rent. Get into safe situation is in get yourself in mass financially because you just get all Chamdo about buying a house, and you're broke fringe at work or now giving you financial advice about how to buy house. That's a bad idea. Dude cited now just go wrench something a little bit better and finish out the plan. Hold on. I'm gonna send you a copy.

FHA us Chamdo two years Seventy seven hundred fifty do Forty five thousand dollars twelve thousand dollar seven hundred dollars six thousand dollars four years Two years four year
"forty five thousand dollars" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

04:31 min | 2 years ago

"forty five thousand dollars" Discussed on The Dave Ramsey Show

"Forty five thousand dollars a year. We're currently renting on apartment for seven hundred dollars a month. We're while I'm babysitting to we're paying off our card that which is around twelve thousand and I'm really wanting to just smack in the face and get it out of here. But right now, we have a four year old child and we've been living in the us a really horrible apartments for about four years. And so it was it was it wasn't that bad when my son was very young and small, but I'm reaching a point to where we need to find somewhere more suitable or maybe I've had colleagues and friends that told me about FHA and first time down payment assistant probe. Grams that might help me find some type of property where I can I can also a duplex where I can also ran out and kind of steady, my my payments. So my question here is would it be wise with the with the step that I'm onto continue where mad even though it's really a horrible situation for me and my family or look for more a nicer apartment or just go ahead and try my educated on homeownership and getting house or duplex nothing down and duplexes are a bad plan for you just desperate to get out of the apartment. You're getting ready to do some stupid out of your desparation. If you're not careful, so you need to do this in the right order, and in a way that is wise now. How quickly are you gonna have your car paid off? Two years takes us too long. You should take two years to pay off twelve thousand dollar car not making forty five. That's only six thousand dollars a year. That's lame. Okay. You need to get after it you need to get out of that apartment soon that you does your wife work outside the home. Yes. Okay. And and your household income is forty five thousand. Yes. But I'm I'm currently in a trade apprenticeship and within two years that income will have doubled which is when you need to buy house. Now, your son is four. Yes. And you're a horrible apartment. So. Seventy seven hundred fifty dollars. Okay. Is it unsafe? Yes. We've got there's there's mold crime. Yes. I actually a few a few weeks ago someone was shot and in the complex apartment complex. Okay. Yeah. Yeah. It's time to move. And so you need to just rent the cheapest thing, you can find that's not mobility and crime ridden. Okay. But it's time to move, and and the money that you pay extra in rent between now, and then is going to have to be made up for by extra jobs. You're gonna you guys are going to work like crazy people for the next two years to make sure not only just car get paid off. And not only do you build your emergency fund. And not only do you pay the increase in rent. But on top of all of that you save your down payment. And then you're going to be ready to buy about two years. But every dollar you pay out an extra rent to have a little bit better situation is going to slow down. How quickly you buy? Exactly. Yeah. And so that's the paradox. But if your son is unsafe your family's unsafe. You're good dad to look at that. And go I'm not gonna you know, there's no amount of money in the world put my kid at risk, right? So if it slows down how quick you buy a house it slows down hectic you buy a house, but buying a house wrong because you're unwilling to pay a little bit more rent. Get into safe situation is in get yourself in mass financially because you just get all Chamdo about buying a house, and you're broke fringe at work or now giving you financial advice about how to buy house. That's a bad idea. Dude cited now just go wrench something a little bit better and finish out the plan. Hold on. I'm gonna send you a copy.

FHA us Chamdo two years Seventy seven hundred fifty do Forty five thousand dollars twelve thousand dollar seven hundred dollars six thousand dollars four years Two years four year
"forty five thousand dollars" Discussed on Talk 650 KSTE

Talk 650 KSTE

08:00 min | 2 years ago

"forty five thousand dollars" Discussed on Talk 650 KSTE

"Thanks for having. Sure. What's up? Hi, my wife, and I moved about seven years ago change states than we had just bought a house right before we moved about a year and a half, and we couldn't sell it. So we're currently in financial peace baby. Step number two. My question is we have about fifty two thousand dollars of debt outside of that other house, and I'm trying to figure out whether I'm getting a large sum of money coming up if I put that towards selling the house in another state that we don't want war. Are you upside down on the house to the states still? Right now, we sold it. We would likely lose estimate about five or ten. Oh, okay. All right. Good. Okay. And how much have you got coming in your lump sum? For. Coming into a sum of money, and you're trying to decide what to do with it. Yes. Yes. It'll be about thirteen thousand dollars. Okay. So enough to get out of that house or pay the other debts. I see what you're doing. Okay. And you've had it rented. And I assume censure upside down you're losing money on the rental monthly, right? Yes. How much you lose in a month? I'm so it's ready now paid for six months that we've already had to do about five hundred dollars or pairs is just enough to break. We've already lost about five hundred dollars. Okay. So you're losing roughly give or take thousand dollars a year. Okay. Cool. So what do you do if you want to sell it if you prepaid the rent? What are you gonna do these? Well, it would be wants to six month leases going immediately and sell which is win. That would be about July. Okay. And what's your household income? My twentieth teams fired attack is about one thirty. Okay. And how much debt do you have not counting the house? You said fifty grand. Yes. Forty five thousand dollars student loans in a seven and a half thousand four 4._0._1._K alone. Okay. 'cause by July, you could easily have thirteen back and then not only by July. But by the time it actually cells, which will probably take a month or two, right? Right. Okay. Let's project into that rather than you have to have the thirteen thousand a day used for that. So what I want you to get with a good get with one of our real estate guys and have them. Go ahead and preview the house and get some pricing and some days on the market. Ask him how quickly houses are selling in the area. What's the average DO MD days on the market? That's an a multiple listing statistic. They can pull easily for you. Okay. Okay. And then that will tell us when you need ten grand. Or is it ten grand? You know, is it really fourteen because you've got some selling expenses. I don't know. But let's just let's just back plan then to have fourteen by then by stopping the debt snowball. But go ahead and use the thirteen now on your 4._0._1._K loan and stop that. That's going to add, you know. And then let's in us go in and see if we how much of this mortgage, you might be able to do both by the time the house gets sold. You might be able to be debt free and pay off the house deficit with your income and the thirteen thousand right? Maybe it's close. Depend on when the house sells. But I mean if it's sold by September. And we knock thirteen off of this that only leaves you thirty plus the ten she needs forty from now until September. And you make one thirty that starts to be pretty close to doable. Not quite maybe you might have to pull up and stop and go. Okay. I gotta save for three months and get ready for this house on I'll come back and finish your student loan a month later or two months later. Right. If you don't make it, right? But my point is take the thirteen pay off the seventy five hundred and pay down on the on the student loans and then back out from when you win. The actual closing date is projected on the sale of this house and backout from there, plus thirty days. So you give yourself a thirty day cushion and make sure you have the amount of money to the real estate agent says you're going to need to be able to get out of this by that date. Have you had any have you had one of them do a competitive market analysis on did you get your ten thousand in the hole? I've I've looked at just competitive Burgess comparative houses at a sold recently. And I had an analysis done probably five years ago. Okay. Yeah. Let's just get fresh numbers and set a very detailed goal is all I'm saying. And then I'll use usually thirteen on your debt snowball now. And then stop your debt snowball in time to save up the amount you need to be able to dump this thing when the lease runs out. Is that logical? Yes. Thank you very much. Yeah. It's a good plan that'll work. Hey, thanks for the call open phones at triple eight eight to five five two two five Rachel's in Austin, Texas. I Rachel welcome to the Dave Ramsey show. Hi, dave. Thank you so much for taking my call. How are you better than I deserve? What's up? And so my husband, and I are both Dennis. We graduated about a year and a half ago, we have quite a bit of student loan debt, and we've been making the minimum payments on and I'm a new listener just read the total money makeover. And and trying to get everything figured out. Try not to fall prey to dock by dishes. I believe you you've term it. So well, and my question is basically how long do you anticipate before able to pay everything off? And then also we absolutely need to wait until all debts are paid off before my husband either buys into his existing practice or purchase it or another one kind of knowing that that buy in with significantly increase, his income and how much student loan debt to the two of you have. And we have about two hundred ninety five thousand total total between the two of you. Who went to school free. So I had some help from my parents, so and I'm kind of paying them partially back and my husband went through the government. Oh, good. Okay. Wow. Right. I was holding my breath for seven eight hundred thousand. Okay. Wow. So to ninety five I mean, I feel light already. And what's what's your? What's your household income? Now, it's about two hundred and eighty thousand per year way to go keto phenomenal. Okay. So if you live on nothing how fast can you pay off to ninety five. Right. That's what that's what I'm kind of wondering. Because what's eighty? Right. Okay. Two hundred minus taxes, you're debt free and like two years. Okay. Me between two and three years. You should be debt free, right? Our goal. Our goal last year was to. Know try and live off of one salary and save the other. We've been didn't do so well on that. So we're trying to do better this year. We need a vague goal. I think we need a written game plan. It's like a practice management plan or like a treatment plan where there's a series of processes that create the outcome, and that's the detail budget that both of you are writing looking at. Here's the bad news. You're in a deep hole. Here's the good news. You got a good shovel. Okay. It will be a shame for you guys to wander around in debt for five or ten years 'cause you're sloppy right? Because you're not sloppy people. Both of you have have accomplished a very difficult thing. Which is I mean, this is not for stupid people, and it's not for sloppy and disorganized people. What you've accomplished as an amazing feat..

Austin Texas Rachel Burgess Dennis Dave Ramsey five hundred dollars Forty five thousand dollars fifty two thousand dollars thirteen thousand dollars thousand dollars three months seven years thirty days three years five years six months
"forty five thousand dollars" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

04:16 min | 2 years ago

"forty five thousand dollars" Discussed on The Dave Ramsey Show

"You and your range of income during that two years work in earn commission only. So in the beginning, I was earning between thirty nine to forty nine thousand dollars. And then I was able to increase that to one hundred thousand good for you. What are you? So. The case in and you're obviously good at it. Congratulations. Well done very good job. And so what kind of debt was the sixty five thousand mostly student loans. It was forty five thousand dollars in student loans about half of that was private and half of. It was federal and then I had ten thousand dollars for my vehicle and ten thousand dollars in credit card. Okay. And when did you graduate from school two thousand ten okay? So eight years ago, but two years ago something happened. What happened? So I became kind of the face of student loan debt. They've I was on a show on a YouTube channel with consumer reports. And they had did a documentary about student loan in an America. And they featured me, and I had gotten so much feedback and comments and everybody was telling me Dave Ramsey grow. You dave. So who is never heard of Dave. Did you got wore out with Dave Ramsey? Yeah. They everybody was like you need Dave, really bad. So I actually started my own channel after that. Cool aunt the rich cool, and I'm not rich. But I'm playing on it. And then one of my followers actually, sent me your book. So I thought that I could never be on a budget because commission only I didn't think it was possible. I thought that I was good with money because I paid bills on time. And that was about it. But after reading the book than it, really inspired me to just get rid of this debt. So when there's documentary feature you it show you as hopeless, and stuck that you weren't going to be able to get out of it. That was the idea kind of. I mean, I had done it. The video just to bring awareness to the issue that, you know, hopefully, people won't continue to make the mistake that I had and so many head, but it did kind of make it a little hopeless. These poor people are stuck in this debt. And there's no way out and society has wrong to them right pitch. And instead people come at you go girl, you can do this. We'll show you how Dave Ramsey. Dave ramsey. Dave ramsey. Okay. Cool and somewhat Martin. I she probably mean. People on there about about a few of those can you imagine? Blocked ten thousand dollars. So for twenty. There's a lot more hateful people on YouTube than anything. Troy twitter. My gosh. Well, I'm proud of you, Don. So you went from feeling stock to running your own channel showing how you do it. Absolutely. I I've had people tell me now just talking about my journey and do my personal journey through the debt that they've now paid off their car they paid off a student loan. So Yeah. yeah. Yeah. Good for you, very well done. So the cool rich aunt. Yep. And you to go look you up. Thank you. That's fun. Very cool. Very proud of you who is your biggest cheerleader outside of your YouTube fans. I would say definitely my mother. She's she's been in my life forever. And just always cheer me on always there for me, and she's done so much, and she really wanted to be able to help me with the debt in any way. And she was never able to pay for me. But she was just always there telling me, I could do anything. Got to have people like that that believe in you. That's just necessary. Well, down to how's it feel now that you don't have any payments? It feels kind of crazy. I mean, I can't believe that just in two years that I'm here. Talking to you now free two years after the hopeless documentary. And so do you think your income went up because you're striving towards us go, I think, so you know, it is crazy. I think you've mentioned it before that, you know, you're you're it's funny. How once you get on a plan you are able to handle more. And then God gives you more. And I truly believe that's what happened to me. If I had gotten that type of income before I was on this plan. I would have been on vacations..

Dave Ramsey YouTube America Don Troy twitter Martin two years ten thousand dollars forty five thousand dollars forty nine thousand dollars eight years
"forty five thousand dollars" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

04:16 min | 2 years ago

"forty five thousand dollars" Discussed on The Dave Ramsey Show

"You and your range of income during that two years work in earn commission only. So in the beginning, I was earning between thirty nine to forty nine thousand dollars. And then I was able to increase that to one hundred thousand good for you. What are you? So. The case in and you're obviously good at it. Congratulations. Well done very good job. And so what kind of debt was the sixty five thousand mostly student loans. It was forty five thousand dollars in student loans about half of that was private and half of. It was federal and then I had ten thousand dollars for my vehicle and ten thousand dollars in credit card. Okay. And when did you graduate from school two thousand ten okay? So eight years ago, but two years ago something happened. What happened? So I became kind of the face of student loan debt. They've I was on a show on a YouTube channel with consumer reports. And they had did a documentary about student loan in an America. And they featured me, and I had gotten so much feedback and comments and everybody was telling me Dave Ramsey grow. You dave. So who is never heard of Dave. Did you got wore out with Dave Ramsey? Yeah. They everybody was like you need Dave, really bad. So I actually started my own channel after that. Cool aunt the rich cool, and I'm not rich. But I'm playing on it. And then one of my followers actually, sent me your book. So I thought that I could never be on a budget because commission only I didn't think it was possible. I thought that I was good with money because I paid bills on time. And that was about it. But after reading the book than it, really inspired me to just get rid of this debt. So when there's documentary feature you it show you as hopeless, and stuck that you weren't going to be able to get out of it. That was the idea kind of. I mean, I had done it. The video just to bring awareness to the issue that, you know, hopefully, people won't continue to make the mistake that I had and so many head, but it did kind of make it a little hopeless. These poor people are stuck in this debt. And there's no way out and society has wrong to them right pitch. And instead people come at you go girl, you can do this. We'll show you how Dave Ramsey. Dave ramsey. Dave ramsey. Okay. Cool and somewhat Martin. I she probably mean. People on there about about a few of those can you imagine? Blocked ten thousand dollars. So for twenty. There's a lot more hateful people on YouTube than anything. Troy twitter. My gosh. Well, I'm proud of you, Don. So you went from feeling stock to running your own channel showing how you do it. Absolutely. I I've had people tell me now just talking about my journey and do my personal journey through the debt that they've now paid off their car they paid off a student loan. So Yeah. yeah. Yeah. Good for you, very well done. So the cool rich aunt. Yep. And you to go look you up. Thank you. That's fun. Very cool. Very proud of you who is your biggest cheerleader outside of your YouTube fans. I would say definitely my mother. She's she's been in my life forever. And just always cheer me on always there for me, and she's done so much, and she really wanted to be able to help me with the debt in any way. And she was never able to pay for me. But she was just always there telling me, I could do anything. Got to have people like that that believe in you. That's just necessary. Well, down to how's it feel now that you don't have any payments? It feels kind of crazy. I mean, I can't believe that just in two years that I'm here. Talking to you now free two years after the hopeless documentary. And so do you think your income went up because you're striving towards us go, I think, so you know, it is crazy. I think you've mentioned it before that, you know, you're you're it's funny. How once you get on a plan you are able to handle more. And then God gives you more. And I truly believe that's what happened to me. If I had gotten that type of income before I was on this plan. I would have been on vacations..

Dave Ramsey YouTube America Don Troy twitter Martin two years ten thousand dollars forty five thousand dollars forty nine thousand dollars eight years
"forty five thousand dollars" Discussed on KSFO-AM

KSFO-AM

03:56 min | 2 years ago

"forty five thousand dollars" Discussed on KSFO-AM

"Takes the mystery out of your financial life. I am Jill Schlesinger. And I'm delighted that you are with us because this is the opportunity that we have to answer all of your fantastic questions if you'd like to get in touch with us two major ways to do. So you can send us an Email asked Jill at Jill on money dot com, or you can just go to the website, Jill on money dot com. Jill on money dot com. And there you can just click contact us. Just like that. Easy to do. So. Senator questions try to give us a little bit of color commentary. In addition to some facts, that's good. All right here is from Tom whose subject is. I shouldn't be punished. I usually would agree with that. No matter what it is. But let's see. Prior. Oh my gosh. Prior to be hitting being hit head on by a drunk driver. While riding my Harley Davidson, I had excellent credit. The first Bill I received in the mail after being hospitalized for five months. You ready for this? Mark five hundred forty five thousand dollars. This was for the level one trauma room where they saved my life on that dreadful day. The individual hit me was eighteen years old at the time. He had no coverage nothing thirty operations later. Medical bills are in the millions. This has ruined my credit. Why I was not at fault. Shouldn't there be a law against this? None of this was my fault. And why should I get punished from excellent to poor credit? What an awful experience, Tom. Oh my God. I am so sorry for you. And you know, I thought that there was a part of the credit reform act, which expunge medical debt from your credit record. And I'm pretty sure that that happened and as a result. I think that you may want to. Oh boy. Okay. Here's the thing. I'm just went onto the experience site. Just for the heck of it. Your medical history is not part of a credit report. But pass do medical debts can affect your credit reports and scores if a medical Bill is left on paid the debt can be sold to a collection agency experience, no longer displays medical collections on a credit report until they are one hundred eighty days past due. So I don't know like, I don't know more of your circumstances. I'm wondering whether you need to get somebody involved is this still millions of dollars of debt d need to declare bankruptcy and wipe this crap away. This seems like a good case for an attorney to be involved. So that's what I'm I don't think it's fair either. I think it's horrible. Horrible. And my heart beating right now, Mark might be a lot of coffee. But I think that that question didn't help Natalie writes, my husband died earlier this year, I live in New York. Although he died in Ohio, I found out that he had an account that I was not aware of when he died is there a search that can be done to see if he had other hidden money by an accountant or lawyer. How'd you find out about that account? The Ohio account. Did you find a statement? I think you can go to the state treasurer or maybe secretary of state and ask that very question. I think they're the ones who tend to be the reciprocal the recipient of those pieces of information. But I don't know. I would give it a try. I don't really know a lot about that. Sorry, Linda, writes, she's single. She's forty nine..

Jill Schlesinger Tom Ohio Linda Harley Davidson Senator treasurer Mark Natalie attorney New York accountant five hundred forty five thousa one hundred eighty days eighteen years five months
"forty five thousand dollars" Discussed on WJR 760

WJR 760

02:44 min | 2 years ago

"forty five thousand dollars" Discussed on WJR 760

"Dime. I in my whole life to get the down payment for my first house of forty five thousand dollar house. I had to put down nine thousand dollars. I scrimped and saved my entire life descript together that nine grand, okay. Where is it written? I was entitled to a home where nowhere now what is the solution to the bump problem? I'll give it to you again. There is only one solution to the bump problem, which is proliferating which is not providing them housing because the minimum cost to provide. Each of these bums, a domicile is about a half a million dollars in a city. I don't care where it is. I don't care how it is on how you cut it. I don't care whether it's this or it's that it's about a half a million bucks a unit. And the only solution is to round them up. Move them out of city centers and Bill lodge transient housing centers for them in the in the outskirts and cheap land, maybe one hundred miles from the nearest city where land is very very cheap and you build barracks style housing to hold the bums. That's the minimum and the maximum we could afford and you make most of the bums who are able bodied help build the housing. And then you'll give them the care that they need. But you don't bring them into a city by the millions and tell them that they're entitled to a home or tell them they're entitled to food. Now, nurses are reporting things that you can't believe here's one nurses are reporting from hospitals that many of these homeless bums will call nine one one. To get ambulances to take them to the hospital simply to get a Tylenol. And then while the bums are at the hospital. They order a meal. And the ambulance entry to emergency rooms pushes these filthy bums to the front of the line in the hospitals. So if you think that they're all downtrodden and week you're mistaken. There are some of the toughest people in America. And we just can't take care of everyone now with this huge population of bums in almost every city of America. Why are we letting millions of people come over the border who have absolutely nothing to contribute to American society? We can't afford this. Don't you understand this? Well, I do and I'm not gonna eat my heart out. I'm going to open the phone up here at eight five five four hundred seventy eight two eight five five four and savage, and we'll come back, and I'll take any story that you want any topic you want we'll have a conversation of two from behind enemy lines right here on the Savage Nation..

America Savage Nation Bill lodge forty five thousand dollar nine thousand dollars million dollars
"forty five thousand dollars" Discussed on Biz Talk Radio

Biz Talk Radio

10:12 min | 2 years ago

"forty five thousand dollars" Discussed on Biz Talk Radio

"L A, double N, E R. Give me some more. Interesting numbers coming up here. As we go along kind of peppering the show throughout the show. Interesting numbers in the sense that it will give you some perspective as to where we are warring exactly tell you where we're going. But it'll tell you the importance of planning and strategizing because you just never know. Right. You never know. All right. Eight seventy seven planner our number. Let's see Scott had a question in Las Vegas. But before that, let's get to Doug also in Las Vegas where the question. Hello. Doug. All right. My question would be on the twenty eight team taxes. I'm sixty years old. I know I can deposit seven thousand dollars, and then write that off of how much I would have to pay impact for twenty eighteen. Now, you're talking about the twenty eighteen tax you the the maximum sixty five hundred. Five hundred we're talking about an IRA contribution, right? Right. I'm talking about putting it into a Roth because it'd be seven thousand cast would already taxes paid on the limited so five hundred. Okay. So sixty five hundred okay. Okay. So if I put the maximum you into a rock account. Yes. I can write that off. Mike twenty eighteen tax. No, not a Roth. A Roth is not deductible. Okay. So only the traditional IRA your deductible, and it may or may not be deductible depending upon whether you have a retirement plan at work. Yeah. What are your working? Correct. You do have earned income. Earned income. Yes, I am currently working in. I currently do have a pension program provided. Okay. And how much is your household income, and are you married or single married, and it's about a hundred thousand a year. Okay. You're you could potentially do a deductible traditional IRA. You're just nip tuck right in that area where you could do some. But the Roth probably makes more sense for you not getting the deduction unless you just really really want that deduction. I think it's like what a one to one the new two thousand eighteen oh, that's right for eighteen for I can't remember we've already forgotten eighteen limit. I I'm not even sure I've got the twenty one thousand nine limit one zero one starts at one oh one hundred one of AGI of adjusted gross income. So as household income is what basically if your household income is one hundred and one or above in Europe. You're part of a retirement plan. If you cannot you lose the ability to deduct the contribution if you're under one hundred call it under one hundred thousand dollar total income for the household. Even if you're in a plan, you can deduct a traditional IRA contribution of up to sixty five hundred dollars. Okay. So the question is do you want the deduction today, and then have to pay taxes on it in the future? When you bring it out or do you want to put it into a Roth where you have no deduction today, but it'll be tax free. When you take it out later on. Yes. See I already have an IRA. That wasn't an annuity. Did I rolled over into an IRA about eighteen years ago? I retired. I retired that had a contribution. This an annuity fund Cy rolled that over into an IRA. That's fine. And that money. You know, fifteen years ago withdrawn good interest now in the wrong squad on forty five thousand dollars. I call like not even hundred twenty dollars a year on the money. You can't change that investment. And you can try to earn a different type of investment rather than just a Bank account that pays interest. Now, anytime you do something like that you introduced volatility or risk of some form. Whereas the principal is currently guaranteed, and you're not earning much. You could potentially try to earn a better rate of return between now, and when you might need it. But you introduce some form of risk. How much risk depends on what you choose. I wanna you're shows you mentioned something about taking money from. The way I understood it was taking it. I took it out of that forty five. I got I take it out. And I buy. I buy property become a rental or some sort of income away. You're not paying taxes or or something. My question is how do I get that forty five thousand out and not get really banged on the taxes on that? And. User as an investment into buying property. Well, the only way to do it would be to buy the property the property inside of an IRA with a custodian, but then someday someday you're going to pay taxes on that money. How big of a bang on your head? You're gonna hit with this depends on what your income is in the year that you take the money out of the IRA. How big is your pension going to be in with your spouse have a pension? Well, I actually have to pinches plus social security, so my and your income ain't much between might want to be working there. And when I retire. Okay. Well, that's that's a good thing. That idea which bind was that way. So you're gonna pay some taxes. There's no way around it what we were talking about whether you should buy a property inside the IRA, and then ultimately use that cash flow to take distributions pay taxes on the distributions at that point or whether you should buy the property personally and you use the IRA to pay a load off. So you take a fifty thousand dollar loan a forty thousand dollar loan. I mean, 'cause we that's how much is in your IRA right now, and you start taking two three four hundred dollars a month out of it every month to help pay off the loan. So you have the the expenses of the rental property to deduct that help you offset the distribution from the IRA that you're using to help pay down basically by the property, but it will be a taxable vet when you take money out of the IRA at some point. So based on the limited information, you know, about me. I'm at the point. I don't really need eight additional source of income because my retirement lifestyle. I'm accustomed to says, my retirement is point could be currently right now, my retirement would be sixty dollars a month more than what might might bring in now. Oh, darn geez. Okay. So I I'm just kind of getting nailed on. The problem. I got that. I would that forty five thousand dollars IRA here. How do I bring to my written started getting money out of it and not a limited amount of taxes that gotta pay because I'm gonna be feel at over one hundred thousand dollars a year in your income work out that forty five thousand coming here. Well, the first thing is don't contribute more to it. There's no reason to make more contributions. So you have two sides of it one is what do you do with the extra money? You've got sitting around today. And if that's a question, I would put that into a Roth IRA sixty five hundred for you. And if your spouse is at least fifty years of age sixty five hundred for her so you could put thirteen thousand dollars in a Roth IRA, and now you don't have to worry about paying tax on that money again. And then the second question is how do you get money out of your Rafa your current traditional IRA without paying taxes? You're not going to you could string it out. The required. Minimum distribution is not going to be too much. You can you take a little bit out each year? Couple thousand bucks a year, which won't have a dramatic effect. But will have a little effect on your overall tax situation. So it's just a matter of you, can you're gonna pay some tax on it. And from what you're telling me, there's no way around it. And to be honest. That's not the worst. Good thing. Yeah. But you're going to it's not going to be a huge tax either. Depending upon what other things are going on depending on how much over one hundred thousand you are at least you live in a state that doesn't tax you to death on the on the state side. But you're probably right close to the twenty two percent income tax bracket. So for every dollar you take out of the IRA, it's twenty two cents on the dollar tax. And frankly, the only way to reduce that is to lose money. That's not a good idea. Either. Right. Right. Right. Okay. And then there's no way of using that forty five thousand. We're we're debt free. So former home currently so I can't use that forty five to purchase another home in your stat. I thought there was a deal for iris that you could use money to purchase a home. But if I own a home, I can't do that first off from an IRA. It doesn't avoid the taxation. If you if you're a first-time homebuyer, you can take a distribution of up to ten thousand dollars to use as the down payment for a first time home buyer purchase and that avoids the penalty, not the tax. And so you're sixty years of age anywhere. You don't have to worry about the penalties. Anyway. Right. Okay. All right. So now on my whole my homes valued it up like a half a million dollars. So now. We still have the deal like Clinton put in into where we we don't have to pay taxes. We can sell compactors on on the of of a home or not. Yeah, we still have that up to five hundred thousand of gain for married couple on the sale of their primary residence is not taxable. But are you going to move in by the other house because you don't like liver? Well, see that's the thing. We're planning on moving out in Nevada into another state. And then use the money, obviously, you're debt free. What's on fire? Another hall. What state? That's a good question. Don't know at this point. Taxable. Want.

IRA Roth Las Vegas Doug Europe Scott Cy principal Mike Nevada Clinton forty five thousand dollars sixty years two three four hundred dollars one hundred thousand dollars
"forty five thousand dollars" Discussed on Eating For Free

Eating For Free

03:08 min | 3 years ago

"forty five thousand dollars" Discussed on Eating For Free

"To the pure consulting Inc for pre approval, and he also did not include the link that was supposed to be swiped up when your viewing Instagram story. Which is we all know is kind of like a big deal. If you're looking at something, and you can't swipe up you can't really get like what they're talking about. And he was also supposed to he didn't follow through injury meant he was supposed to wear the spectacles during Alon or Paris fashion weeks, and he was a baby paid sixty thousand dollars for these four Instagram posts three being the story one being on his main page, they paid them forty five thousand dollars of front, and they are now suing him for that forty five thousand dollars, plus another forty five thousand an additional damages which is pretty much the interest on the forty five thousand court fees potential loss from the snap. Spectacles, mapping advertise. And then, of course, just like general Ford of agreement looking at his website, total side note, his latest campaign is forever in water, which feels that just makes less doesn't it again at times buying Afghan water who's blank snap spectacles. Like, it's just the ven diagram of who this person is coming together. Okay. Continuing the no that's pretty much it. I mean, he is being like, you know, he has to go to court now in like fight this because they pay them all this money, and he didn't follow through, but it's getting complicated. Because a lot of people been talking about in the last year or so, and this is why we're talking about. Now, the whole thing that comes with advertising is like, you know, legal side. Like the fact this is original is his payment. This is a job or you contracted. Are you employees? What is the FTC the Federal Trade Commission to say about it like, what do you even claim on your taxes? How do we know this is paid advertising? There's just questions are coming into play here because of how much money we was being exchanged to scale what level of influence or he is. I looked up yard Sheedy's Instagram co-star Greenwich, she has two more million followers than him. So like again, I don't think on the level of influencers. He's really like out here like that. So it's interesting that he would be the one getting sued like, yeah, I could see a chi-. Really or a KENDALL or akin lake someone in that sphere of like true influencers making the fact that like some b list celebrity from ABC sitcom is getting sued for this is what I find. So fascinating. I think it's so crazy. I've been thinking about this a lightly with like all these new video streaming sites coming out in their system as so many social media like interactions per day how like just like ten years ago or fifteen years ago when something online got a million views. It was like it was literally on primetime news people were like this video was a millions of went viral and everyone, quote, unquote, everyone is talking about it. And now you can go on Facebook. And some light compilation of like awkward outta creek. Text messages like some video has like six hundred million views on Facebook. And I'm like, that's just Facebook alone. And then there's like the YouTube urgen, the other son conversion the like, you know, any other different streaming Simon Instagram itself has videos with like hundreds millions of us now. And it's just kind of like bizarre that one point four million followers, though, a lot is in in getting paid. A lot is still not. Really that much compared to like the credentials like a hundred and twenty million followers, and then the following clans of people around them compile even more of that. So yeah, it's just really bizarre..

Facebook Instagram Federal Trade Commission Paris Simon Instagram pure consulting Inc YouTube Ford ABC forty five thousand dollars sixty thousand dollars fifteen years ten years
Heidi Klum and Tim Gunn Exit ‘Project Runway,’ Team Up for Fashion Reality Series at Amazon

Shop Girls

01:46 min | 3 years ago

Heidi Klum and Tim Gunn Exit ‘Project Runway,’ Team Up for Fashion Reality Series at Amazon

"Meanwhile, there's another new project that we should just mention because you know, we've all watched Heidi Klum Tim Gunn on project runway. Yes. So long. After sixteen seasons. Yes. And what's interesting is what is Heidi say wine. Oof. He says after serving incredible season project runway. Yes. A show. I was honored to host and help create. I'm incredibly proud of the shoulder. We'll always have a special place in my heart so excited that Tim Gunn, and I are partnering with Amazon for a new show. They are making the leap to Amazon studios that we don't really understand what it's going to be. It says they're creating a fashion reality series series that they will develop produce and host. And this is what I mean. Well, project one runway is going back to Bravo in twenty nine thousand nine interest. Yeah, I thought it was interesting. Also that their contracts didn't prevent them from jumping from project runway right to another fashion reality, obviously, it's not going to be the same kind. Maybe that's how they get. But tell me what you think this means because it's at Amazon did not release many details, but according to a press release obtained by the Los Angeles Times the new show. Oh will feature a Chappel experience for viewers. What does that mean that they're trying to make it interactive that they want that the whole show is going to be kind of like a commercially? They'll have things in the show that you'll be able to literally order online. That's smart if that probably air on I bet you they'll use streaming on Amazon is going to be available in two hundred countries. That is super smart. That's a lot of countries

Amazon Richard Simmons Gwyneth Paltrow Tim Gunn Heidi Klum Burberry Dayton Raiders Los Angeles Times Richardson Bravo Engineer New York Times Sunday Lori Julia Forty Five Thousand Dollars Sixty Six Dollar
India's top court legalizes gay sex in historic verdict

AP News

00:31 sec | 3 years ago

India's top court legalizes gay sex in historic verdict

"Sachs has been decriminalised in India in a landmark verdict India's Supreme Court struck down a colonial era law that made homosexual acts punishable by up to ten years in prison. The supreme court justices ruled the law was used as a weapon to harass members of India's gay community and resulted in discrimination. The court said it must protect an individual's right to live with dignity as a fundamental, right? Opponents of the law danced in the streets. And waved flags outside the court after the ruling.

Supreme Court India United States Gwyneth Paltrow Alexa Ford Gay Sachs Dan Buddy California Canada One Hundred Forty Five Thousan Ten Years
Gwyneth Paltrow's Goop settles over vaginal egg claims

KDWN Programming

00:42 sec | 3 years ago

Gwyneth Paltrow's Goop settles over vaginal egg claims

"And Gwyneth Paltrow's lifestyle company. Goop has agreed to pay one hundred forty five thousand dollars in civil penalties over products, including egg shaped stones that are meant to be inserted into the vagina to improve health. Prosecutors in eight California counties jointly announced the settlement Tuesday after a taskforce investing. Investigation found some groups health claims were unfounded on the settlement involves advertisements say goups Jade egg and rose quartz egg could balance hormones regulate menstrual cycles and improve bladder control. In addition to the penalty, the company will provide refunds to customers who ask for

Kim Jong FDA President Trump Moon Dara Tani NFL New York Times Football Gwyneth Paltrow Pyongyang Colin Kaepernick JAE California White House Press Secretary Singapore America Donald Trump One Hundred Forty Five Thousan
Fragments found in Brazil museum fire provide some hope

Gary Jeff Walker

00:31 sec | 3 years ago

Fragments found in Brazil museum fire provide some hope

"Loss of Brazil's national museum funding cuts and neglect at being blamed for Sunday night's devastating fire that tore through the two hundred year old museum hump to Latin America's largest collection of historical and scientific artifacts. Museum officials say as much as ninety percent of the archive may have been destroyed and the building was not insured firefighters on Tuesday found bone and skull fragments in the wreckage raising hopes that the museums iconic piece at twelve thousand year old skeleton known as Lucia may have survived the flames. The cause of the fire is still under

California Dolly Parton Brazil Abc News Recording Academy Latin America Lucia Alex Stone Paltrow Google ABC Los Angeles One Hundred Forty Five Thousan Twelve Thousand Year Two Hundred Year Ninety Percent
Pam Coulter, CBS and Aretha Franklin discussed on Midday News Break

Midday News Break

00:11 sec | 3 years ago

Pam Coulter, CBS and Aretha Franklin discussed on Midday News Break

"News organic king has died at eighty. Seven she was Grammy nominated jazz, singer but got wide recognition for playing the wife of Don Vito Corleone in the first two godfather.

Pam Coulter CBS Aretha Franklin Lou Garrick Bethel Baptist Church Don Vito Corleone Honus Wagner FDA Vicki Detroit Stevie Wonder Ruth Ty Jesse Jackson California Cobb Forty Five Thousand Dollars
Kanye West canceled a 'Carpool Karaoke' appearance, costing James Corden's 'The Late Late Show' $45G

Steve Cochran

01:25 min | 3 years ago

Kanye West canceled a 'Carpool Karaoke' appearance, costing James Corden's 'The Late Late Show' $45G

"Carp, cool carpool karaoke What is drama, well there's a couple of things James corden, on the late late show on CBS has. Been, trying to do one of these carpool karaoke with Kanye west for, quite a while I think so he can say Kanye carpool karaoke which is a tough to say one time. But Kanye has cancelled on him three. Times now according. To corden and the cost of the most recent cancellation forty five thousand dollars. Because, they got outfit. The cars and the people the employee's. Exactly. For that The other drama with that is that they were about to do they did do a carpool karaoke with Ariana GRANDE and. They finished and Ariana Anna Grandi put on Instagram, shortly after that picture of her hand bandaged, up call like a bloody old gauzed up. Hand she didn't say exactly what happened but she said you'll see when, the carpool karaoke goes on the air with her something happened where she injured her hand and Hi high notes she said that it was just something. So stupid and James corden says. It was the, most fun carpool karaoke that they've ever done I do like that segment and if our economy just say no Rolled their fingers up in the window I've seen our kids. Do that so that's? What. I'm guessing. Are they punch

Dean Richards Willis Denise Richards Margot Kidder James Corden Ariana Anna Grandi Blackhawks David Schwimmer Kanye Ariana Grande Chicago TOM Charlie Sheen Downers Grove VAN Denise I Stan Mikita Wrigley Field Instagram CBS GOT
Airbus, Subaru and Gina Cervetti discussed on Bloomberg Surveillance

Bloomberg Surveillance

01:03 min | 3 years ago

Airbus, Subaru and Gina Cervetti discussed on Bloomberg Surveillance

"The world is listening this is a bloomberg market minute bank of america is reporting earnings this morning and it's revenue of twenty two point six billion dollars topped estimates earnings also beat projections in the latest quarter and shares of bank of america are up one and a quarter percent in premarket trading this morning investors are also watching for the june update on retail sales in the meantime looking back at a week that saw the market rise up one and a half percent over the course of the last five sessions billions of dollars are at stake is the world's largest planemakers boeing and airbus dual over orders this week at the farnborough air show outside of london it's the biggest event of its kind this year and subaru's new suv called the ascent has begun to trickle into dealerships with prices ranging from thirty two thousand to forty five thousand dollars subaru's tagline for this massive machine is love is now bigger than ever it's almost seventeen feet from backup camera to grille badge the ascent is four inches wider than the l back in eight inches taller gina cervetti bloomberg radio hi i'm kevin.

Airbus Subaru Gina Cervetti Bloomberg Bank Of America Boeing Forty Five Thousand Dollars Six Billion Dollars Seventeen Feet Eight Inches Four Inches
"forty five thousand dollars" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

02:18 min | 3 years ago

"forty five thousand dollars" Discussed on The Dave Ramsey Show

"But say say they're selling for forty five thousand dollars strangest thing the exact same house same timeframe built actually a little bit older was right across the main drag a mile away main drag you know a main artery of traffic running north and south or our city and on one side of that artery that same house brought five thousand dollars less which is ten percent less it'd be fifty to fifty one thousand on one side of the artery and forty five thousand on the other ten percents wing but but square footage you know the the the items that you find in the home the quality of construction the age everything was very very similar the only difference wasn't one was on one side of the road one was on the other and it was perceived for whatever reason to be slightly cooler to be on that side of the street and people would pay for it and people pay for it because people paid for it and that's how location location locations enters into this and again we said be near water when you can be narrow view or with a view on the water when you can you're always going to see much better returns there and have a much more much more likelihood of selling their you're buying bargains when you're buying a house you look for things that people people can't look past the average buyer can't look pass the minor things in minor things are things you can fix easily carpet or paint color or a gutter hanging off you can put a set of gutters on a house for nothing and i hope i find the gutter hanging off in the weeds or tall oh darn baya lawnmower and get a deal on the property you know and you buy like a whole truckload on moore's for what you save on this property you could hire people to cut the grass for you what you save on the property right so you know take things like that i used to go in a property i would love seeing something that was very poorly decorated or it was a mess the lady didn't keep house well there was a bargain because typical person can't look pass the unmade beds and the elvis print over the master bedroom bad you know and you remember the old nineteen.

moore forty five thousand dollars five thousand dollars ten percent
"forty five thousand dollars" Discussed on How To Do Everything

How To Do Everything

01:49 min | 5 years ago

"forty five thousand dollars" Discussed on How To Do Everything

"You make around thirty forty forty five thousand dollars a year really of snow and more drumming it is quite profitable and so how does it how does it work well you take a a season piece of wood drive down the grail and then you take a oh either you're actually that you drove down on the ground and rub it across the top calls love operation vibration goes into the ground and the worm sanctions some old for coming after it and it goes up to the top of the surface and then you collect the worm so it it feels the the shaking in the ground and thinks that there's a predator coming here yesterday so you see a seasoned piece of wood what does that mean uk greenwood to do it got to be dry like oh warm above four or something like that grail on six to eight inches the and wrote the eggs or picture level with any kind or you can even use a piece of wood across stop anything to make the woods bob right and the vibration goes done in the ground saying it they'll come up and if they don't come up within a couple of minutes there's none there so what makes for good hour of worms snoring la how many would you get we're we're in fifteen minutes we had the people collect eighty two words boarding and that's just in fifteen minutes had a six year old it was doing it and she done it by herself she collected shaked worms and fifteen minutes and you know for a six year old list pretty good wait a minute so you can put kids to work then pretty young exactly.

uk fifteen minutes six year thirty forty forty five thousa eight inches