35 Burst results for "Four One K"

Bucks begin title defense with 127-104 victory over Nets

AP News Radio

00:44 sec | 1 d ago

Bucks begin title defense with 127-104 victory over Nets

"On a night the books received their championship rings and unveiled the title banner in the arena they went out and dismantled the nets one twenty seven one oh four Jana son of the couple had thirty two points and the box wasted little time taking control of the game shortly after the ceremony the box went on a twenty one to four first quarter run coach Mike Budenholzer said as the bucs played through an emotional night very pleased with the you know we've been talking about the focus in training camp to focus in practice minute that the guys the guys have been good Kevin Durant had thirty two for the nets who trailed by seven at halftime but could get no closer as the bucs kept on expanding their lead Khris Middleton and Pat Connaughton each added twenty for the box Chuck Friedman Milwaukee

Mike Budenholzer Nets Jana Bucs Kevin Durant Khris Middleton Pat Connaughton Chuck Friedman Milwaukee
Fields throws 1st TD pass, Bears' defense dominates in Vegas

AP News Radio

00:34 sec | Last week

Fields throws 1st TD pass, Bears' defense dominates in Vegas

"Justin fields threw his first career touchdown pass in the bears defense was stellar in at twenty two nine downing of the raiders in Vegas just for a horse that caught the first TD pass by fields who was twelve of twenty four one hundred eleven yards in his third career start Chicago went ahead for good early in the second quarter and fields two yard TD pass to Horst added traffic Derek Carr passed for two hundred six yards and Josh Jacobs rushed for a late touchdown in the raiders second consecutive loss Khalil Mack with the bears defensive dominance of his former team with eight tackles plus a sack of Kerr on the two point conversion I'm the ferry

Justin Fields Raiders Bears Derek Carr Josh Jacobs Vegas Horst Khalil Mack Chicago Kerr
Correa, Alvarez help Astros take 2-0 lead over Sox in ALDS

AP News Radio

00:31 sec | Last week

Correa, Alvarez help Astros take 2-0 lead over Sox in ALDS

"Behind a five run seventh inning the Houston Astros grabbed a two games to none lead in its American League division series after beating the Chicago White Sox nine to four guard on Alvarez put the Astros on top with an RBI single and Carlos Correa followed with a two run double Kyle Tucker capped the rally with a two run Homer firmer Valdez started for Houston and allowed four runs over four one third innings but five Astros relievers kept Chicago off the scoreboard the rest of the day Tim Anderson Louise Robert collected three hits for the white Sox Adam schooling Houston

Astros Carlos Correa Kyle Tucker American League White Sox Alvarez Valdez Homer Houston Louise Robert Tim Anderson Chicago
C.J. Stroud throws five TD passes, No. 11 Ohio State rolls

AP News Radio

00:30 sec | 2 weeks ago

C.J. Stroud throws five TD passes, No. 11 Ohio State rolls

"Ohio state quarterback CJ Strela the eleventh ranked Buckeyes two fifty two to thirteen blowout win on the road it rockers after missing last week's game with a shoulder injury Stroud was seventeen of twenty three for three hundred thirty yards throwing for five touchdowns receiver Chris Olave caught five balls for one and fifty two yards into the scores rockets quarterback Noah Vedral threw for one hundred fifty yards one touchdown but couple that with three interceptions the Buckeyes moved to a record of four one on the year while records lost his second straight game after starting the year three you know Mike Moriarty Piscataway New Jersey

Cj Strela Buckeyes Chris Olave Noah Vedral Stroud Ohio Mike Moriarty Piscataway New Jersey
Yanks' rally fizzles, AL wild-card race tightens as Rays win

AP News Radio

00:45 sec | 2 weeks ago

Yanks' rally fizzles, AL wild-card race tightens as Rays win

"Rookie wander Franco hit a two run single in the ninth inning to give the rays a four one lead in a four three victory over the Yankees Nelson Cruz junior his thirty second home run and Kevin here Meyer hit a go ahead single in the second inning to put Tampa Bay ahead to stay Joey Gallo in Brett Gardner slapped RBI singles in the ninth before Andrew Kittredge struck at Gary Sanchez and movement or torture complete Tampa bay's leading ninety ninth win it was a tough night for manager Aaron Boone's lineup it'll hold us down I I thought a number of guys hit some balls really well you know reside a couple good ones Gleyber Gallo hits that ball the runner on in the gap you know just couldn't break through enough the outcome cuts the Yankees lead to one game for the first AL wild card I'm the ferry

Joey Gallo Andrew Kittredge Nelson Cruz Gary Sanchez Tampa Bay Franco Brett Gardner Yankees Rays Meyer Kevin Aaron Boone Gleyber Gallo
Bassitt returns but Mariners beat A’s 6-5 for 4-game sweep

AP News Radio

00:32 sec | Last month

Bassitt returns but Mariners beat A’s 6-5 for 4-game sweep

"The mariners picked up their fifth straight win by turning a four one deficit into a six five decision over the athletics Seattle rallied after Chris Bassett pitched three shutout innings for Oakland less than a month after surgery to repair facial fractures home runs what the ends to their tenth win a row versus the eighties cal Raleigh started to come back with a two run Homer mai chan again tied it with his thirty fifth and Louise Turpin's followed with a two run shot the outcome puts the mariners two games behind the idle Yankees for the second AL wild card the Acer for back I'm Dave Ferrie

Chris Bassett Mariners Cal Raleigh Homer Mai Chan Seattle Oakland Louise Turpin Yankees Acer Dave Ferrie
Kelly, lowly D-Backs rally past NL East-leading Braves 6-4

AP News Radio

00:31 sec | Last month

Kelly, lowly D-Backs rally past NL East-leading Braves 6-4

"The Diamondbacks put together a five run seventh that allowed them to beat the Braves six to four Carson Kelly tied it with a three run Homer and Dalton Marshall added a go ahead double that ended at Landis four game winning streak Oster valley homered for the third straight game as the Braves took a three nothing lead off Madison Bumgarner with a three run third Dansby Swanson sacrifice fly boosted the lead to four one in the sixth the D. backs improve their National League worst record to forty nine and one oh four hours after announcing a one year contract extension for manager Torey Lovullo I'm Dave Ferrie

Carson Kelly Dalton Marshall Braves Oster Valley Diamondbacks Dansby Swanson Landis Homer Madison Bumgarner National League Torey Lovullo Dave Ferrie
So How You Gonna Act - burst 1

A Penny For Your Thoughts c/o Beautiful Girls and All We Have Gone Through

04:07 min | Last month

So How You Gonna Act - burst 1

"Hey how you gonna. Can you explain the reason why you can explain some miracles july. Would you be the person for where you are in life now. There is no room for distractions. We all go through live either going on with the blood using someone else to achieve the facts of life trying not to get it knocked down. It doesn't matter how smart you are and how much finances you have given your career. Can you say that tomorrow someone that you didn't think it'd be in the same position you are today. Things could change for you and then you see there is no room for the expressions. He thought would cost the door to open in another area up by when you were going up in your career did you do it allow or was there someone who was there to take the heavy load from you but you seem to allow other to think you did it on your own even when i did what i did while going through school. I acknowledged that which was presented in a matter of support. So how you gonna. Are you thinking that because you have a new outfit by researching or bella donna. You have awry but others can also say to purchase the same thing to to hide. You're gonna but did you girlfriend sit and senior praises on someone else must be given the credit for some achievements to hide. You're gonna act. Can you retire at an early age pretending you're able to do to some four one k. Or stop that has caused you to think you have arrived. So how you gonna when someone asks you to get them a soda from the store and you give them a whole story as to why you're not going to give them a drink. Can you say that your health is one hundred percent in just because a person has a limp when they walk you decide to strut and model because you see nothing wrong with you. Are you still able to walk in and out of places without looking down on the net. So how you gonna act your tongues. Go into many languages. One our brands. Who are you trying to impress or is it the persona that you're displaying whether people so tell me hide you're gonna act. Can you make promises of things in life. Giving a person that idea you are better than others not knowing you were just superficial and all things other sit back watching how others think of you as an opportunity so when that opportunity arouse can you still sit and make a new decision of helping someone not lying about what you can or cannot do without the help of someone else are you sure about the looks are given to those who are less fortunate than you and the next time you place your face in a position making you seem superior then that one person who you had been criticizing making fun of stepped inside the building and display just as you did to them. It was something you not expecting. That turned around to happen in life. And the question you need to think about is so high you're gonna.

A Penny For Your Thoughts Podc Bella Donna
So How You Gonna Act - burst 1

A Penny For Your Thoughts c/o Beautiful Girls and All We Have Gone Through

04:07 min | Last month

So How You Gonna Act - burst 1

"Hey how you gonna. Can you explain the reason why you can explain some miracles july. Would you be the person for where you are in life now. There is no room for distractions. We all go through live either going on with the blood using someone else to achieve the facts of life trying not to get it knocked down. It doesn't matter how smart you are and how much finances you have given your career. Can you say that tomorrow someone that you didn't think it'd be in the same position you are today. Things could change for you and then you see there is no room for the expressions. He thought would cost the door to open in another area up by when you were going up in your career did you do it allow or was there someone who was there to take the heavy load from you but you seem to allow other to think you did it on your own even when i did what i did while going through school. I acknowledged that which was presented in a matter of support. So how you gonna. Are you thinking that because you have a new outfit by researching or bella donna. You have awry but others can also say to purchase the same thing to to hide. You're gonna but did you girlfriend sit and senior praises on someone else must be given the credit for some achievements to hide. You're gonna act. Can you retire at an early age pretending you're able to do to some four one k. Or stop that has caused you to think you have arrived. So how you gonna when someone asks you to get them a soda from the store and you give them a whole story as to why you're not going to give them a drink. Can you say that your health is one hundred percent in just because a person has a limp when they walk you decide to strut and model because you see nothing wrong with you. Are you still able to walk in and out of places without looking down on the net. So how you gonna act your tongues. Go into many languages. One our brands. Who are you trying to impress or is it the persona that you're displaying whether people so tell me hide you're gonna act. Can you make promises of things in life. Giving a person that idea you are better than others not knowing you were just superficial and all things other sit back watching how others think of you as an opportunity so when that opportunity arouse can you still sit and make a new decision of helping someone not lying about what you can or cannot do without the help of someone else are you sure about the looks are given to those who are less fortunate than you and the next time you place your face in a position making you seem superior then that one person who you had been criticizing making fun of stepped inside the building and display just as you did to them. It was something you not expecting. That turned around to happen in life. And the question you need to think about is so high you're gonna.

A Penny For Your Thoughts Podc Bella Donna
So How You Gonna Act - burst 1

A Penny For Your Thoughts c/o Beautiful Girls and All We Have Gone Through

04:07 min | Last month

So How You Gonna Act - burst 1

"Hey how you gonna. Can you explain the reason why you can explain some miracles july. Would you be the person for where you are in life now. There is no room for distractions. We all go through live either going on with the blood using someone else to achieve the facts of life trying not to get it knocked down. It doesn't matter how smart you are and how much finances you have given your career. Can you say that tomorrow someone that you didn't think it'd be in the same position you are today. Things could change for you and then you see there is no room for the expressions. He thought would cost the door to open in another area up by when you were going up in your career did you do it allow or was there someone who was there to take the heavy load from you but you seem to allow other to think you did it on your own even when i did what i did while going through school. I acknowledged that which was presented in a matter of support. So how you gonna. Are you thinking that because you have a new outfit by researching or bella donna. You have awry but others can also say to purchase the same thing to to hide. You're gonna but did you girlfriend sit and senior praises on someone else must be given the credit for some achievements to hide. You're gonna act. Can you retire at an early age pretending you're able to do to some four one k. Or stop that has caused you to think you have arrived. So how you gonna when someone asks you to get them a soda from the store and you give them a whole story as to why you're not going to give them a drink. Can you say that your health is one hundred percent in just because a person has a limp when they walk you decide to strut and model because you see nothing wrong with you. Are you still able to walk in and out of places without looking down on the net. So how you gonna act your tongues. Go into many languages. One our brands. Who are you trying to impress or is it the persona that you're displaying whether people so tell me hide you're gonna act. Can you make promises of things in life. Giving a person that idea you are better than others not knowing you were just superficial and all things other sit back watching how others think of you as an opportunity so when that opportunity arouse can you still sit and make a new decision of helping someone not lying about what you can or cannot do without the help of someone else are you sure about the looks are given to those who are less fortunate than you and the next time you place your face in a position making you seem superior then that one person who you had been criticizing making fun of stepped inside the building and display just as you did to them. It was something you not expecting. That turned around to happen in life. And the question you need to think about is so high you're gonna.

A Penny For Your Thoughts Podc Bella Donna
Sale Returns, Red Sox Send Orioles to Loss No. 100, 7-1

AP News Radio

00:30 sec | Last month

Sale Returns, Red Sox Send Orioles to Loss No. 100, 7-1

"The Boston Red Sox started their final homestand of the season with a seven one win over the Baltimore Orioles at Fenway Park Chris sale started for the Sox and give up the only worry was run in five innings of work the Sox bullpen with four different pitchers followed sale with four scoreless innings and allowed just two hits as well the socks were to win the second one in the fourth one in the fifth and three in the sixth all coming on a bases clearing double by hunter Renfroe Greg at ski Boston

Fenway Park Chris SOX Boston Red Sox Baltimore Orioles Hunter Renfroe Greg Boston
Are We Living in the Matrix?

The Dan Bongino Show

01:53 min | Last month

Are We Living in the Matrix?

"Really? I got to thinking yesterday. It's almost like every up is down and down is up. And I got thinking more about the whole idea. The Matrix those You never saw the movie. They're coming out with the fourth one trailer went viral yesterday. The only reason I'm thinking about all this, but the whole premise of the movie is that you know, technology develops these powerful computers. They take over the world and they don't get rid of the human beings. But they use the human beings as batteries and human beings. Don't do anything to fight back because they're all plugged into this computer simulation. And they're just living in, you know, life that's not real, and therefore they don't fight back because they're plugged into the Matrix. You know, But there's one part of the movie. The movie the original movie. The Matrix is some very deep parts. You know, one of them with the oracle. They have this part where, uh, you know, the whole idea of free will basically comes up. Would you have done this if I didn't say something before, and one of the other parts, this kid this young kid, this is a spoon that bends and the kid asked, you know, as a spoon bending is your kind of mind bending around the spoon. And it really makes you wonder now, like our our minds bending around the spoon, like is the spoon really not bent. And are we just so easily impressionable left this among us, at least the conservatives in my audience get it. That we don't see that our country is disappearing before our very eyes right now. I don't mean disappearing like the landmasses disappearing. I mean, every single tenant we've relied on that's gotten us to this point. Prosperity freedom, the richest country in the history of humankind with the most powerful military, the most advanced technology the greatest time to be alive in the United States. I'm anywhere in humankind. In humankind's history is right now, even with Joe Biden Even 50 years ago, your life was different. You had no access to the Internet here. Everything was different.

Oracle Joe Biden United States
Sánchez 2 HRs, 6 RBIs, but Yanks Blow Lead, Fall to O's 8-7

AP News Radio

00:44 sec | Last month

Sánchez 2 HRs, 6 RBIs, but Yanks Blow Lead, Fall to O's 8-7

"Tampa Bay still leads the AL east by seven and a half games after the second place Yankees lost to the cellar dwelling Orioles for the second straight day eight to seven New York wasted leads of four one five two two and seven to four and lost for the sixth time in eight games following its first thirteen game winning streak since nineteen sixty one Yankees manager Aaron Boone says it's time for his team to pick things up the good thing is work we hold the pen we we we get the right story still and and we've responded from tough days tough moments tough stretches and we have to do it again New York led until Jorge Matteo and Calvin good cheer as pope RBI singles in the seventh the ex lost despite Gary Sanchez who hit a grand slam and a two run Homer I'm Dave Ferrie

Yankees Tampa Bay Orioles Aaron Boone New York Jorge Matteo Pope Rbi Gary Sanchez Calvin Homer Dave Ferrie
Who Has the Most Twitter Followers?

Joey's Totally Tech

02:28 min | Last month

Who Has the Most Twitter Followers?

"These are the top four twitter accounts by number of hours. Top four twitter accounts number of followers. They'll gosh yes What's the name of that. Ceo of twitter again. I don't know is it dorsey yay l. jack dorsey or something like that. Let's go with him. I jack dorsey all right survey says and wow okay. Well we know. He's not full of himself on twitter. Right i guess not. I don't even keep up with sweater. I mean we've got a twitter account. I never really check it honestly Okay so i'm going to say robert. Daily junior artie j. All right show me ironman and all right. And next i'd say blackwood scarlett johansson because why not because. I'm just throwing blindly here. I like marvel so. You're really into marvel. Aren't you show me scarborough. And oh no. Joey struck out. The first round has i. Don't follow twitter staff. Honestly that's okay. It's not a big deal all right so number four answer with a hundred and two point eight million followers pop sensation. Riana okay. I don't follow her either. Okay i number three answer with a hundred and eight million one zero eight point seven million followers pop sensation. Katy perry let us pop sensations right. That's probably why honest it's three pop. Sensations the number one is a politician. I'll okay all right so number. Two with one hundred thirteen point nine million followers pop sensation. Justin bieber okay. Let me guess the fourth one is bernie sanders now close. The had the correct first initial number one twitter account by most followers with one hundred and twenty nine point nine million followers barack obama. Oh okay

Twitter Jack Dorsey Artie J Blackwood Scarlett Johansson Riana Scarborough Joey Robert Katy Perry Justin Bieber Bernie Sanders Barack Obama
Woodruff Strikes Out 10 in Brewers’ 4–1 Win Over Reds

AP News Radio

00:42 sec | 2 months ago

Woodruff Strikes Out 10 in Brewers’ 4–1 Win Over Reds

"The brewers lead in the NL central is up to nine and a half games after Brandon wood ruff fanned ten over six innings of their four one decision over the second place threats what was permitted only four hits a retired thirteen straight at one point the all star had struggled in his previous two starts allowing six runs in five innings at Saint Louis and lasting just three frames versus the cubs made a couple adjustments and and between St Louis on this one and and they start to show up tonight so was thankful the to get through six and was able to you know but the thing to give position at this ideal Garcia hit an RBI double and made two big defensive plays in right field helping Milwaukee win for the twelfth time in its last fifteen games I'm Dave Ferrie

Brandon Wood Ruff Brewers NL Saint Louis Cubs St Louis Garcia Milwaukee Dave Ferrie
Minnesota Timberwolves Acquire Patrick Beverley From Memphis Grizzlies

Jalen and Jacoby

00:38 sec | 2 months ago

Minnesota Timberwolves Acquire Patrick Beverley From Memphis Grizzlies

"Clippers. Patrick beverley got traded to the minnesota timberwolves column clippers. S to the gatorade from the clippers to the grizzlies now the grizzlies to the wolves. Four one show. Earning gomez and jericho ver. I didn't think he was going to be on the christie's long and is waiting to see where rondos gonna play because you don't run run on. He didn't even get a hotel. He didn't even look memphis on google yet. He ain't going here okay. i don't care. I'll fake retirement. There's no chance

Clippers Patrick Beverley Grizzlies Jericho Ver Minnesota Timberwolves Rondos Gomez Wolves Christie Memphis Google
Harper, Phillies Hold Off Dodgers 2–1 To Avoid Sweep

AP News Radio

00:40 sec | 2 months ago

Harper, Phillies Hold Off Dodgers 2–1 To Avoid Sweep

"The Phillies of literally three by the Dodgers as a salvage the final game of the three game series with a two one win Philadelphia put away for good in the bottom of the first inning a solo home all from Bryce Harper it's a big one you never want to stretch your own park and it's a good job just you all there they played us well the last two days and then that sort of small the days are also for Harper was twenty first home run of the season the filter number one in the bottom of the fourth one RBI single from Monterey is Archie Bradley was couldn't with the wind H. Kennedy picked up the save Mitch white took the loss for the Rogers who snapped a four game winning streak Michael Luongo Philadelphia

Bryce Harper Phillies Dodgers Philadelphia Archie Bradley H. Kennedy Harper Mitch White Monterey Rogers Michael Luongo
Yanks Smart on Bases, Take Advantage of Error to Top M's 5-4

AP News Radio

00:42 sec | 2 months ago

Yanks Smart on Bases, Take Advantage of Error to Top M's 5-4

"The Yankees erased a four one deficit by scoring four times in the sixth inning of a five four win over the mariners RigNet or door pull the Yankees within four three with a two run Homer before Mitch Haniger misplayed a Gleyber Torres fly ball into a triple Kyle Higashi ochre followed with an RBI double and scored on a daring baserunning play while DJ lemay you forced to run down between first and second Erin judge also homered in the Yankees tenth win in twelve games and third straight over the mariners since Thursday all year we've been kind of saying instead of course you know stay the course no keep playing our game plan our ball you know we knew things would turn around and I just don't think anybody outside of our room really believe that Kyle Seager hit a two run Homer for the Ms there were three and six on the road trip I'm Dave Ferrie

Yankees Mitch Haniger Gleyber Torres Kyle Higashi Mariners Dj Lemay Homer Erin Kyle Seager Dave Ferrie
"four one k" Discussed on KFI AM 640

KFI AM 640

06:04 min | 2 years ago

"four one k" Discussed on KFI AM 640

"O. a dot com and that this is the part of the show we talk about how to pass on to your greedy unwashed undeserving airs the fruits of your labor this is called the state planning and you know this is a good the the question we're gonna answer this week is do you need a trust I cannot tell you how many times I'm asked that question they don't ask me if I need to trust they asked if if if they need to trust just case I confused you without so if the question I get us is you know to we have a trust do we need one and so do you know the answer is it depends on a lot of things and I want to go through that with you and help you to to have at least some parameters around which you can make that decision but before you do that before we do that Jack can you play it and no one the you would all and of course that is Tony Bennett with the rags to riches and you know the estate taxes and probate all that kind of stuff it's actually designed to do the exact opposite is center it's designed to take you for riches to rags we do not want that to happen to you so every week at this time we have our state tip of the week and this week we're going to answer the burning question do you need a trust so first of all let's just let's just answer the question what is a trust intend what would you do what with the trust what does it do okay and then that'll help us answer the question if you need it or not so one of the biggest reasons and and and again there are different kinds of trust so there are what are called revocable trusts the revocable trust is also known as a living trust you may have heard that term a revocable means that during your lifetime you can change it anytime you want to now they're also what are called irrevocable trust which means that once they're written signed and sealed notarized they can the wording of the trust cannot be changed okay now the word irrevocable scares a lot of people but you know lawyers OCC are clever people so if the language of the irrevocable trust says that you can change the trust then guess what you can change it it read a gold bull only means you can't change the words of the trust that the words of the trust say you can change a trust it can be changed so there's no such thing is something that never can be changed okay however having said that we're gonna talk about the revocable trust first this is the end and this is the kind that you can't change during your lifetime as often as you wish and this this kind of a trust is sent usually it's a will substitute okay so it's designed to be like a super will okay so you're will says this is where I leave it to this is when they get it this is how they get it cetera well the living trust of the same thing except what it does it hasn't it additional overlay which is that during your lifetime you essentially pre probate your assets okay in other words you've all read retitled everything in the name of the trust so yes upon your death what happens is the trust already has all your stuff all you do is change to the trustee is from you to whoever you've named so they take over and it's a very straightforward simple process this helps to avoid probate for example which is in many states a big deal so there are advantages to having a living trust also because all you're doing is changing the trustee a living trust is a very private situation so you know upon your death it transfers to the next generation and there's no public document that people can go and see who you left what to and how and where and all that whereas your will is a document that is filed and therefore somebody could go down and read that this you can you can literally like take out the will like a like a reference book at the library you can cut down to the courthouse it's it's kind of interesting but anyway if you want to be private then a living trust could help you there the other thing that a living trust does is that it is a document that is very difficult to contest meaning that if you know you have somebody that you're writing out of the will type of thing okay or somebody you have that you've got special rules in there you're concerned it somebody a previous spouse or somebody will come in a contest or whatever it may be then a living trust you proactively had to hire a lawyer you have to create the trust you have to do all this stuff it's very difficult to say that you did not have intentionality and all of that and therefore the trust should hold against most contestation so you also make it stronger in that regard now is it for you everyone it depends you should talk to a lawyer be attorney who does estate planning before you make any decisions about all this stuff but generally speaking I would say that most people do not need to trust okay I would say that most of you listing don't but the what now if you'd like to talk to a professional about it which you could do is you can go to our website it's R. P. O. a dot com and when you're there you can click on meet with an adviser and that you can sit down with one of our retirement planners and they'll walk you through estate planning and soul security planning retirement planning and will do all of that with you at no charge or obligation feel like take advantage of that our website once again is our P. O. a dot com and we love to meet you and help you and well you know what it is not because it is true Dorothy but at the end but on our website you can also sign up to go to one of our seminars we have seminars near you at the centers we will talk about your magic number which is the number we believe is how much you need to retire on will have to calculate it we'll talk about how do you maximize your retirement cash flow should you roll over your four one K. when should you take social security when you're sixty two sixty six when you're seventy you know what if you're married what is your one spouse is older than the other what if you have disparities in income we'll talk about those kind of things we'll talk about what we do to be the best investment you can use to fight inflation.

four one K
"four one k" Discussed on WGN Radio

WGN Radio

04:23 min | 2 years ago

"four one k" Discussed on WGN Radio

"To this launch good to be here with you soon okay so I know you specialize in working with couples in the fifties to early sixties why is it that that sort of time we start to look at things well folks really need at that age category destroyer taking another look at their portfolio a second look what ends up happening Steve is over time full is tend to become riskier the market's going up we buy things they look could arm our advisors by things look good they go up and we tend to start forgetting about risk and when you're late fifties early sixties it's a really critical time because basically what you have at that point plus maybe a little bit more has got a last you for the rest your life so you cannot have big losses at that stage the time of life when you start to look forward counting down to retirement right and if you're not there yeah and don't get me wrong when I say be careful of are risky it doesn't mean you're you're gonna miss out on growth our portfolio are fully invested all the time but they're fully hedged their protected they have a downside protection tell me about that because the idea sometimes if you if it sounds like sometimes you're too you're putting your wagon in the garage and you're getting out of the game but that's not know which are not at all not at all our portfolios stay fully invested in the market all the time but their hedge their protected is like having a safety net underneath your portfolio or portfolio insurance if you will a **** or a what do you call in your steering wheel that the airbag it's like having an airbag if you get an accident you can only go so far and you're protected that's how we structure portfolio so we still have tremendous growth but we get away from that tremendous downside risk what percentage of people who come in to talk to you are in the position they're supposed to be in very few yeah very few in it and it just happened Steve we've got a a three part process start meetings the first meeting we sit down we get to know folks by the way what I'm describing we were into complementary for the first five callers today we sit down we'll get to know folks we understand what their goals are what what they're looking to accomplish the second time we sit down together we give them in writing a complete analysis of their portfolio how much wrestling have income growth potential they have with your performance cost right and then the third time we sit down with him safe we make any recommendations that are necessary to get them in the right spot for this time in life and so when they come in and after that third time I mean it you if it's got to be it must be encouraging when you can tell people that they're on the right path but if you had to be tough sometimes to say look you've got to make some changes to get to work it's not that tough because most people most people come in with a feeling like I am I don't know that and really in the right spot and they end up feeling really good when they have something to wrap their arms around they've got a plan they know what they should be doing at this stage I so it's it's empowered so in its reassuring in a way just to come in and find out that you're now on the right path absolutely and and and I hear that all the time you know are we on the right path re doing everything that we should be doing and and folks feel really good when they get they go through the process to lead fifties the sixties right I mean early fifties still too soon or one early fifties okay job but but if you're late fifties early sixties it it's really time to come and sit down and so it must be sort of like a marriage counselor at times as well the husband and wife sitting there each with different ideas of what's going on yeah but by the end of the process they're pretty much on the same policy like that your account so you bring not intensely but it it ends up happening I will walk me through it and a little bit so people come in they realize their bill I think I know that we need to re adjust some things here what is it that you look at our how is it that you put this together well we look at how their portfolio structured right now and we do a complete we do Morningstar analysis of it produces a three page report for them in writing and it helps them understand just how much risk is in their portfolio how much growth and income potential they have an importantly what they're paying because there's a lot of hidden cost tell me about that mutual funds Waterbury crosses Harry Mitchell five four one K. plans you think your four one K..

five four one K four one K
"four one k" Discussed on NewsRadio KFBK

NewsRadio KFBK

02:50 min | 2 years ago

"four one k" Discussed on NewsRadio KFBK

"Thank you very much we still give you your own sound effects board but well one but tonight while time is certainly flown I mean this is not just the end of the year this is about to start a new decade and there are a lot of different changes ahead and I think that makes all of us especially if you know all these years later getting ready for retirement a lot of us are entering a new stage of our lives and we're thinking okay where does the time go and what's ahead it makes a little nervous it should make you nervous and the biggest things are the economy is going to be fine we're gonna have ups and downs the market's gonna be fine with ups and downs the key is your life changes as you get older people don't realize that as you get older you can't replace the money losing the market you're gunslinger day of the twenties and thirties and forties are they gonna be behind you doesn't mean you can't make money or have some fun investing but you have to take a different approach you know I wrote about that in my book yes serving with the retirement see now you have to get this in here yes your guide to staying afloat retiring comfortably great book now per should they aim is on that does actually does pretty well and love signing copies of come on and I'm happy to give you an assignment and but it is kind of a how to book on on retirement and I'm not here to push the book more the head space of what you need to think about for twenty twenty Dan is a big believer that it's going to be another roaring twenties like the nineteen twenties and it's gonna boom probably I know is calling for a recession before that low interest rates today looks like the trade deal might be wrapping up with China I mean is it all you know full speed ahead for the market who knows but really put the time into planning because if you don't do it you're you're not gonna get to where you need to be and every one of those Americans who don't have what they want the today for a few our callers Keith we're gonna help them get started on their retirement master plan or at least get a second opinion on what they're currently doing yeah right on Janet so you had a right on the button it's a free customized retirement income plan and it also comes with a forward looking investment tax strategy now a lot of people are surprised that when they call in and they come in for a visit by just how much goes into this the time and we go over a lot and how to pay less taxes and retirement how to get every nickel of social security that you're entitled to you need to create an income stream in retirement that never ends as long as you're alive get a protector suffer inflation and skyrocketing medical expenses how do you build your portfolio to get the best returns but with the least risk possible and you know Jim there's no obligation as I say on the show I'll put a comprehensive retirement master plan in your hands we can discuss working together or take it with the into yourself when we make an offer like this cue the phones light up but who really gets the most out of today's offer we work typically with people who are already retired or about a year or two away from retirement someone with a sizeable nest day who wants to learn how to protect it but still get maximum growth but with the least responsible maybe someone selling their business or have a four one K. to roll over they get the.

four one K
"four one k" Discussed on WCBM 680 AM

WCBM 680 AM

04:14 min | 2 years ago

"four one k" Discussed on WCBM 680 AM

"Type two diabetes generally speaking do not affect the underwriting process as as much as one might think okay would you say that if you're a younger individual E. and you look at various types of insurance coverage to get but the would you you know you do you often tell individuals with the younger they are and the early start investing their money for their retirement making contributions to their company retirement plan a four one K. Brian or maybe an irate self directed retirement account and they're making annual contributions if they start young be start earlier the benefits of having started earlier and watching that money grow over the long term can make can make a big difference a big impact the younger they are would you say that it's very similar with insurance planning that this sooner an individual seeks out life insurance coverage that's properly designed by an insurance planning professional like you and your your team that the better off they may be or is your search should they look to do other things in their earlier years and kind of put that off to later what what's your thought process yeah definitely there are some similarities there you know the earlier you start the planning the more flexibility you will have in the future as your needs change but you know again it goes back to to the need what what are we trying to accomplish with this level of planning often times your your younger clients twenties thirties they're starting out in their careers maybe they have a very high income at this point in in life starting families they need a lot of life insurance to protect their families and and generally speaking term insurance is the way to do that as you get into your upper thirties forties fifties in terms of her real life insurance where you use any cumulate cash value yeah the earlier the better because then when you get into that next stage of life into the retirement years your needs change your start to think about legacy planning a long term care planning estate planning so on and so forth having started earlier gives you much more flexibility to to reposition any existing insurance that you have to solve for those needs and and then you know kind of kind of back to one of the biggest misconceptions of costs you know that that. help offset the cost in in the later years of life which is is it very important once you're in retirement often living on a fixed income you often don't have the disposable income to pay you know large life insurance premiums yeah and you mentioned a moment ago about the cash value I mean is that is another vehicle or another way as far as looking at life insurance as a financial planning tool that individuals may have the ability to access cash value later in life should they need it. yeah I I mean you you can design it because of the tax deficiency associated with life insurance you can design it to do lots of different things all in one of those is to provide an additional bucket through cumulate well in addition to your four one K. or IRA your brokerage accounts savings accounts create an additional bucket to accumulate wealth and then distribute that tax efficiently during retirement essentially it's again as I said earlier kind of another era when your quiver so to speak that enables you to have some type of potential supplemental bucket of money of assets in addition to your retirement your IRA your your individual in investing accounts a trust account whatever it may be to help supplement maybe retirement income down the road should you need it right. yeah well with that we've got to take another break here in the program this morning you're listening to Tim herbal RBC wealth management for other dishing the weekly wealth report joined by special guests Brian backs of bets money to advisory part of the capital's financial division working along side of RBC insurance planning department here locally as a general agent so.

four one K
"four one k" Discussed on WCBM 680 AM

WCBM 680 AM

01:36 min | 2 years ago

"four one k" Discussed on WCBM 680 AM

"Over I mean we hear it over and over again when you leave your employer take your money with you retire rule your money into an IRA get it out of the four one K. and I think part of the reason for that is is that the four one K. is so convoluted to try to figure out what you're at. the pain and for better for worse if you think about the four one K. and I don't care if it's a four three be the four fifty seven the T. S. P. whatever happens to be. it's hard to understand what the fees are exactly what your pain it's hard to deal with the fact that you only have five ten maybe fifteen choices on average to to invest you know there's rules about how you take the money out this rule so your heirs take the money out so for better for worse the whole concept of taking your money when you leave your employer as soon as you can make your changes to your four one K. and roll it into an IRA why so many advisers advocate for that is because again for better for worse if you put it into an IRA at least you'll know what your fees are going to be you can ascertain what your actual fees are going to be inside the IRA and you can choose to use low cost mutual funds you can use ETFs you can buy individual stocks for better for worse there's thousands and thousands of choices you can do real estate you can buy a new it is whatever it is you want at least you have the opportunity to control the fees most people on the four one case actually have an adviser on the four one K. that they've never met if you choose to roll your four one K. into an irate at least you have the opportunity if you want to work with an adviser that you will meet with on a regular basis you have more choices.

four one K
"four one k" Discussed on News Radio 1190 KEX

News Radio 1190 KEX

01:35 min | 2 years ago

"four one k" Discussed on News Radio 1190 KEX

"Long will I want or be able to work how much will it cost me to live in retirement what kind of health care costs will I face the biggest mistake is giving up before you get started assuming that things will work out no one can tell you how much risk is right for you or what matters most is what you really feel comfortable with Jeff what is someone's getting close to retirement age and they're worried that they don't have enough save for retirement are they just out a lock or other things they can do to recover your course if you're working with the right retirement coach this is something that you need to have a serious conversation about listen up and take notes because we're about to show you an opportunity to have more income for the rest of your life here what do most Americans do when they get a bonus or race they just go out and start spending more is that here some steps we think you should take without money to improve your situation in retirement first off of high interest debt I tell people that you can not create. until you eliminate debt credit card debt consumer debt any date you can't write the interest off on your tax return then invest in a Roth IRA. beef up your four one K. contributions make catch up contributions if you're eligible I know not as exciting as blowing your bonus on new R. V. or an extravagant vacation but the benefits of this practice can pay off in a big way once you hit retirement if you overlook any of these things they were talking.

Jeff four one K
"four one k" Discussed on 550 KFYI

550 KFYI

06:58 min | 2 years ago

"four one k" Discussed on 550 KFYI

"And I'm grateful for the Hey she is grateful to partner with Indian country and I've learned that I've grown and it it but like you said what is she apologizing for she earned her career being hired as a native American member of the faculty at different universities exactly sure isn't what what she hasn't learned anything except that it's a political liability for her for her ambitions that's what she's learned and that's what she's sorry for but she's not sorry for what he actually did which he uses for lye to advance her career I mean there's so much evidence that that is exactly what she did she identified herself on the Texas bar registration as a native American and recipes for power allowed showers such a complete disaster is so laughable but she thinks we're going to fall for it but we're not and so I mean she's just a textbook politician in them she thinks he can get away with that because she's a Democrat and most of the media will give her a pass but I think Democrats now even The New York Times was writing last week how you know add a lot of Democrats like Elizabeth Warren but they're a little bit worried a yeah they should be because he's a complete fraud like this in behind her entire career is based on a lie and she's never going to be able to overcome that and if we actually start talking about her policies that's even worse because everything she does is a rail against capitalism have a government financial plan for every aspect of your life it would destroy this booming economy it is truly amazing to see if you can't run on her personal story but policies are even worse and I think that's where when when when the whenever a candidate comes out of this they have to talk issues I've asked a number of people and we have guests on from the RNC from a policy standpoint and from what all of you do an up and looking at policy and what is electable with people how do those candidates that are promising Medicare for all that are promising free college tuition that want to give illegal immigrants free health care as well how do they possibly after this primary sprint back to the center far enough to gather up those independent voters that both sides need to have in order to win is it even possible for them to do that now it's not because there's the middle is completely gone from the Democratic Party it just doesn't exist anymore because when you have them on the so called moderates in the race you are for a public option which was literally designed to bring about single payer healthcare that is what the goal was it was too extreme for Obama and now it's the mainstream of the Democratic Party will guess what that is far to the left into extreme for the American people the other moderates are saying we need a carbon tax so we know what a tax the atmosphere name the there's such outrageous far left wing policies that they're pretending are in the middle of the Democratic Party these days as the middle that is the far left either at the far left or the even further last that's the choice in the Democratic Party and it's a complete killer for the it would be a complete killer for our economy it would destroy individual freedom in this country all of them are signing on board with this insane rain new deal policy which is just you read it it's a complete government takeover of every aspect of your life he called for the economic transformation of the United States it would throw out capitalism for a big government socialized takeover and it would completely destroy our way of life and that's what the that's what the entire party is that rat a rallying around these days so there's no middle they can't go back to the middle when you've already ran on kicking two hundred million Americans off their private insurance there's no coming back from that how big of a problem is the squad's specifically a see and then the last couple of days with on Omar receded to leave and the anti Israel stuff how big of a problem are they for Democrats and twenty twenty I think it's a huge problem and I think it's a rich it's so dangerous that they're trying to mainstream these friendships actors who are anti semitic I mean that press conference yesterday was full of lies distortions and anti Israel rhetoric that's all it was and for them to be celebrated by all the twenty twenty democratic candidates for them to be defended by the house leadership and Nancy Pelosi none of them are willing to condemn their anti semitic behavior there all of these members refused to leave an email on Omar part of the BDS movement which is anti semitic their entire goal is to hurt Israel they don't believe Israel has a right to exist and it's so clear when to leave with a whole given the ability to visit Palestinian grandmother she chose it was more important to her to hate Israel than to let her grandmother and that is where she is it's a very clear we know exactly who these people are but the Democrats are embracing that they're elevating them and their mainstreaming their ideas in Elmont Omar's calling for universal homeownership where the government gives everyone a house that is so far left it is so socialist AOC she's the one who promoted this green new deal it is so socialist it is a big government takeover of everything you drive what you eat your job your healthcare your four one K. everything will be complete government takeover which we know would destroy individual freedom in this country and it would bankrupt our country they're mainstreaming these radical ideas there mainstreaming and they're promoting these this squad it is going to be to their detriment in twenty twenty because their their ideas their statements their rhetoric it's all dangerous and the American people won't stand for it I I absolutely agree with you Liz it is always good to talk to you and I hope to talk again soon absolutely thanks for having me thanks that is Liz heritage you great guests RNC national spokeswoman and right on the money I think that she's the the it's not so much the what's being said on the left it's how they are being elevated to the spokes people of the party and that is I think what alienate some other members of the Democratic Party coming up we're gonna talk about the possibility of a payroll tax cut you know security screen masters have developed shade springs they look like shades grains of your windows and doors they protect like a fortress when you want home security for your windows and doors you have a couple of options big bars look like you live in a prison or security shutters that block out the sunlight block out the fresh air they.

partner four one K
"four one k" Discussed on 860AM The Answer

860AM The Answer

01:55 min | 2 years ago

"four one k" Discussed on 860AM The Answer

"Can we subsidize your four one K. and when the market comes that day the market going to crash if you don't think so I don't know why you think you'd you'd be so lucky it's not going to we have the dot com crash with the housing crash this is going to be the mother lode of a mall this is they are you kidding me the queue we crash this the biggest stock by that crash remember the stock market nobody understands this is unbelievable they don't tell you this stuff so if you go back to two thousand eight you look at a chart two thousand eight when the market started both from two thousand eight to two thousand fifteen the dollar was going down and the yields on the bonds were gone down what does that tell you when the market was going we've got the dollar going down the hill going down a professional like me tells me that it's saying that the economy sharks so what they do is they try to convince you the market is the economy one in the same so they get you to look at the stock market as if it's an economy so not knowing you're not a file the yields you're not a file the dollar you would know the difference in a dollar deals in the Swiss cheese sandwich but I do when I take care of this for my good so then they turn around on the fifteen and two thousand fifteen nation we got a new policy we're now we're gonna do go back to normalization arrays no more general rates go normalization arrays well guess what the dollar we're not but deals kept coming down tell you a warning now where are we now we got a real problem with the market she even got think about any of that we do that for you join a gang I think we got five left for three left Hey we'll be right back after this break want more information on the show game dot com or give them a call at eight seven seven.

four one K
"four one k" Discussed on 1170 The Answer

1170 The Answer

03:00 min | 2 years ago

"four one k" Discussed on 1170 The Answer

"On wealth financial network K. Marty how are you Hey no it doing great doing great today good good good well maybe people have not heard of you maybe they're just tuning in they can hear your week day program right here on the answer San Diego from two to three PM also on key praise five to six PM what are some of the things you talk about during the program and during our reports as people come into your office and does it you wanted daily basis great question you know basically it's it's all about doing some preparation planning and strategic kinds of planning though of for for that day when you can walk away from the job and walk away from a paycheck in German have to you know live off which you've accumulated and other resources so you know people struggle with that because we have a an economy right now where as you know no a very few people have that'll family pension plan that's going away is it yeah very rare to find those he's got the four one K. type plan where you have to put your own funds and you have to manage yeah that's exactly right you get a manager to go to war or allow your four one K. provider to get involved in that but the thing is you know if people are not aware of of of how much they really need to accumulate to have a comfortable picture in retirement and they're not aware of the impact of things like taxes and required distributions and some of that stuff changes here a year doesn't it amen to that it sure does in effect right now we're in a period where and the Congress is reviewing a couple of bills that would change the age from seventy and a half to either seventy two or seventy five before you had to take my required distributions now that is not the law yet they are still the negotiating that in the halls of Congress but they are talking about it and there's fairly broad bipartisan support there so so Marty our last minute and a half together so what what are what would you say what is a good reason why somebody doesn't just need somebody your light somebody that's exactly like you although we hope we pick you know Marty gets larger yes but why does somebody need a financial planner well if if you know but mostly to kind of quarterback in the planning situation it's just been my experience that most people of you know work all day you come home you're exhausted you've had a long day at the office and probably the last thing you're gonna do is you know get online and start studying you know tax strategies raising my hand ready right Sir but you know that's the kind of thing you've got to pay attention to so many different disciplines churn you put a plan together and maybe have some skills in an area of one or two areas but you may not have a state planning information or you may not have tax planning information so kind of quarterbacking all that in putting it all together no one in the strategic plan so that it's all moving together with one purpose and one goal in mind and that's where I find people really need the the most help in in that kind of strategizing and again as you and I often talk about and we will do so again today on the show the earlier you start don't say you're too young the earlier you start even if you're in.

K. Marty four one K
"four one k" Discussed on WCBM 680 AM

WCBM 680 AM

01:50 min | 2 years ago

"four one k" Discussed on WCBM 680 AM

"CBM today show should be there very timely especially if you plan to retire early or maybe you're forced to retire early we're also going to discuss our pension maximization plan you know for some people retirement sneaks up so fast that you feel unprepared Kylie getting all your Christmas shopping done for other people they weren't really planning on retiring soon but now they're being forced to because of a buyout of down size of a company or or even a health problem yeah we see a lot a lot a gun forces all this week and we did you know now some people are listening to this and thinking I wish I was forced to retire early but I tell you from experience from working with people who lost their job or face the health challenge later in life that's no picnic rod you know what I'm saying it's not a picnic now it was a sad thing that we got brought a need a plan if they have a plan we can face the stuff and get it done yeah you know they weren't planning on retiring at that point you know and it came as a bit of a shock to home in a retirement has very little to do with how many candles you have on your birthday cake and having a certain amount of money saving your retirement account really doesn't matter that much either unless you have a well thought out plan you know a plan is a plan do you who would do you really have little money will get a lot of people don't they don't have the plan they have a savings plan they got a four one K. they've got an irate but they don't have a retirement income plan at most of these advisors these knuckle heads out there they're just same OJ we'll put the of throw your money in a bunch of different mutual funds and stock funds and ETFs and you're gonna take out so so much money what you know that's all fine and dandy of what happens what happens when we have another two thousand eight and we see that the market crash.

Kylie four one K
"four one k" Discussed on 1170 The Answer

1170 The Answer

03:00 min | 2 years ago

"four one k" Discussed on 1170 The Answer

"On wealth financial network K. Marty how are you Hey no it doing great doing great today good good good well maybe people have not heard of you maybe they're just tuning in they can hear your week day program right here on the answer San Diego from two to three PM also on K. praise five to six PM what are some of the things you talk about during the program and during our reports as people come into your office visit you on a daily basis great question you know it basically it's it's all about doing some preparation planning and strategic kinds of planning though of for for that day when you can walk away from the job and walk away from a paycheck injure have to you know live off which you've accumulated and other resources so you know people struggle with that because we have a an economy right now where it has you know know a very few people have that'll family pension plan that's going away is it yeah very rare to find those he's got the four oh one K. type plan where you have to put your own funds in and you have to manage yeah that's exactly right you get a manager to go to war or allow your four one K. provider to get involved in that but the thing is you know if people are not aware of of of how much they really need to accumulate to have a comfortable picture in retirement and they're not aware of the impact of things like taxes and required distributions and some of that stuff changes year to year definite amen to that it sure does in effect right now we're in a period where and the Congress is reviewing a couple of bills that would change the age from seventy and a half to either seventy two or seventy five before you had to take my required distributions now that is not the law yet they are still negotiating that in the halls of Congress but they are talking about it and there's fairly broad bipartisan support there so so Marty in our last minute and a half together so what what are what would you say what is a good reason why somebody doesn't just need somebody your light somebody that's exactly like you although we hope we pick you know Marty gets larger yes but why does somebody need a financial planner well if if you know but mostly to kind of quarterback in the planning situation it's just been my experience that most people of you know work all day you come home you're exhausted you have a long day at the office and probably the last thing you're gonna do is you know get online and start studying you know tax strategies raising my hand right right but you know that's the kind of thing you've got to pay attention to so many different disciplines sharing you put a plan together and maybe have some skills in an area of one or two areas but you may not have a state planning information or you may not have tax planning information so kind of quarterbacking all within in putting it all together no one in the strategic plan so with that it's all moving together with one purpose and one goal in mind and that's where I find people really need the the most help in in that kind of strategizing and again as you and I often talk about and we will do so again today on the show the earlier you start don't say you're too young the earlier you start even if you're in.

K. Marty four one K one K
"four one k" Discussed on KTLK 1130 AM

KTLK 1130 AM

03:15 min | 2 years ago

"four one k" Discussed on KTLK 1130 AM

"Now, what would you do if you weren't afraid to match? Manage those retirements. I've always said, you're you're going to be the best toured for your money, you you can't always rely on a complete stranger to to hand your money over to because that's what happening a lot of time. It's a it's a referral from a friend of a friend. And maybe don't even have not have the knowledge of who that person is. You know, everybody knows an expert Josh. And they then they're trying to help they wanna help you. But maybe sometimes that is a relative or a friend. We actually have people that come in. That are learning to trade that in their biggest concern is the fact that they're going to have to tell their brother in law and sister in law that they're going to take control of the money that that person happened to be managing for them as a financial adviser. Right. I mean, it's almost like it's like the blind leading the blind. And it's unfortunate and a lot of our listeners wanna manage their own accounts. Their 4._0._1._K's IRA's really just don't know where to start L. You talk about that a lot, and you're investing classes that you tease, but what are some of the steps you need to take to manage your own accounts. Well, number one. This is not a do it yourself project that you can learn anew to begin you need to get the proper education in most people. Unfortunately, the the biggest thing that they have to rely on when they retire is their four one K for three be in most people, truthfully. Don't know what's in them. They have no idea even why the invested in a certain investments, you maybe you have a grouping of mutual funds. You can choose from. Hopefully, you have something other than mutual funds in the these classes that we that we teach these investment classes, the Josh has been talking about we talk about four one case, we talk about mutual funds. We talk about how you can trade within your 4._0._1._K we called dynamic 4._0._1._K management. Look, this is something that is going to be have a big impact on the quality of your life in retirement. And if you're not managing it properly taking advantage of what you can do. With it to build the the value of of those funds. You know, then you might not be able to live the dreams you want in retirement. We also will show you how to make money off of your retirement accounts. And that's the most important thing is how how much money you can generate the income you generate off of it. So maybe you don't even have to pull down or draw from those retirement accounts. But you always generate money so matter, no what no matter what's happening in the market. Whether it's going up or down have have the assets protected. That's number one protect those assets. And number to learn how to generate income off of them. Even if it's in cash you can generate income of cash. Well, we mentioned, you know, you'll be the best of your own money just to give some light on that is we've actually have had a lot advisers and brokers come into these investing classes and really have no clue what retirement what things you what you can really do. They're just there's their sales people, and they're they're putting you in positions or selling you. Fuck. Funds. A lot of them. Don't even know what shorting as you can make money in your in your retirement in down markets L at mentioned that earlier options is how you do that. And I know you talk about that a lot in those investing classes you teach..

Josh four one K
"four one k" Discussed on KLIF 570 AM

KLIF 570 AM

02:52 min | 2 years ago

"four one k" Discussed on KLIF 570 AM

"In your your financial firm and practice creates a dynamic where you've got the legacy plan built in to the firm during the break. We were talking a little bit about the fact that you also try to help families plan for that and create that kind of legacy atmosphere, your clients a lot of times you encounter them at a certain point in their financial lives. The transition into retirement is a common one. But you also make it a point to try to bring into the conversation generational planning and help their children and grandchildren begin their financial. Foundations a lot of what we do is as we work with our clients, many of whom are in their retirement years. One of the things that's very important to them is passing down their values. Not just saving up their money in their wealth in passing that onto their family, but their values what they've learned over there years. Working in retirement, they won their children as well as their grand kids to learn the same things working with my father and growing up with my father that was a big portion of my childhood, and that's still a big part of my life. So one of the things that's important to us as as we work with a client who may be in their in their sixties or seventies is making an appointment to meet with talk to on the phone with doing whatever we can to help out their children, whether it be college planning or beginning allocating for their four one K doing essentially the same thing that we did with their parents providing that same service. We also found in that area is all sound a lot younger, but I'm fifty four, but whenever people do get into those into their later ages into their retirement years. Most of you wand up wanting to transfer your assets in your values down to your kids and your grandkids. But you want to do it in a way that it really en-? Enhances their life rather than takes away from their life. Sure. So we work a lot with the estate planning aspect to make sure that that that assets are transferred in a way for one thing that there's no confusion is often that beneficiaries of the kids and grandkids of a couple wool, there'll be some confusion. In that in that that's something that can so easily be avoided with proper planning. Why I know a lot of people have the question in their mind. Have I saved enough how much more do I need to save? Am I spending it an appropriate rate or am? I risking running out of money in retirement and this process that you gentlemen, offer their retirement planning strategy session. Whether we're few years out from retirement or are a few years into retirement really helps to specifically answer and address those key questions..

four one K
"four one k" Discussed on Newsradio 970 WFLA

Newsradio 970 WFLA

03:31 min | 2 years ago

"four one k" Discussed on Newsradio 970 WFLA

"This is the radio show that could literally change your life. If you go to the workshop and get some of the education and start trading the markets. Right. So Chris you said what did you say? I said we were talking about the fact that there are people that are trying to build retirement accounts, proactive investing, and we have a track called proactive in. Investing at the academy. And you know, there's a difference between trading and investing like you mentioned earlier. So when you're trading you're trying to trade for income. That's how we put it. We we think about two buckets one is the income bucket and one is the wealth bucket and they're separate. But really you can't build your wealth bucket unless you have a decent income bucket. Right. Right. As one comes from the other. All right. So when we're allergy by the way, thank you. Yeah. Yeah. When we're talking about building that wealth bucket. We talk about proactive investing. Now, there's a lot of folks out there that they have a 4._0._1._K you say, how's your retirement plan going as long as they got a four one K or an IRA. They think okay. I have one row must be going. Well, right and doing something that is a step in the right direction. But then they most people just don't really take an interest in what they're doing. All they all they really know is that they're putting money into account hoping that by the time they retire. They've got more money in the account. And when they started that's the objective. Right. Well, when we're talking about proactive investing. We're actually talking about folks that wanna take kind of more of an interest in what they're doing long term. So we want to teach them how to if you wanna have a lot more money. Yeah. Yeah. You get to the end. We wanna talk about how fees affect your long term retirement account. We wanna talk about what types of investments are actually out there. What you're in. So that you know, what you're in as opposed to having somebody just say, hey, you should be in this. And you say, well, I don't know any better. Okay. You wanna learn how to protect your investments? What if the market goes down? Could you do you know how to protect your nest egg? These are all things that we're going to discuss when we're talking about proactive investing. So we can talk about at the academy. We talk about day traders, which are people that might be in a trade for seconds minutes or hours during the day. We could talk about swing traders who are people that want to be in a trade for maybe a couple of days to a couple of weeks, and we can talk about proactive investors who are going to check their investments, maybe a couple. Two times a month. Maybe once a week just see how things are going. But we're actually going to teach you how to put together a portfolio that can withstand the downward pressure in the market. Now, this doesn't mean that somebody else is going to manage your money. This is a situation where you're actually gonna learn about your money, thus the term proactive proactive. That's right. I think I mentioned that I had a gentleman come to class who was very successful, gentlemen. He had a very lucrative business that he ran. And he said, you know, what I don't really want to manage my own money. I just want to go to the academy and figure out how to talk to my money guy. Right. So that I can have a legitimate conversation with him because I don't think he's doing a very good job. And if he doesn't answer the questions the way, I think they should be answered after I get the knowledge gonna partways. Wow. See now, that's a really smart dude right there, which is probably why he has a big business making a lot of money. That's right. Well, here's this is the last thing to think about when it comes to investing. Every so often every so many years there's a big big downturn in the market. And then it takes you years and years and years to make up that ground. So you wanna.

Chris four one K
"four one k" Discussed on Biz Talk Radio

Biz Talk Radio

02:22 min | 2 years ago

"four one k" Discussed on Biz Talk Radio

"Them. You should buy life insurance or newbies. And I went haywire any answer to that's the third that that was the the fourth conversations if you wanna go back and listen to it on the podcast consider this program. That's where you will find it. So Ken is a four one K A thing at tax code or an investment. It's a thing tax code. It's a rapper the mechanism that the mechanisms thing. So I have a process that I use call the candy wrapper that I explained people how money works, right? So there's essentially three things you can invest in stocks bonds and cash stocks bonds and cash now you can get really complex from there. You can add commodities and currency, right? But stocks bonds and cash are what's inside of your 4._0._1._K investments. Most almost always. My industry tends to put a wrapper around them. That's what I would call the thing. Right. The wrapper which tend to be mutual funds. Sometimes it's exchange traded funds. But it's a grouping of those stocks bonds or cash, and then you may or may not have a box that goes around it on the outside, and that is an additional rapper, and that's the tax rapper. So that is the 4._0._1._K four zero three b IRA, and they may or may not have Roth options, and the reason it's critical to differentiate that there's a well-known financial talk host on the radio that I used to show my produce students. I mean, the danger of not understanding investing in talking about investing on the radio, and he says mutual funds always perform the S and P five hundred you should always buy mutual funds. Never the S and P five hundred well number one. No, most of the time. They don't mutual fund is a rapper and S and P five hundred index. The two aren't even apples to apples. So you have to be very careful with this a four I've had people say, I don't want a Roth Roth risky. No stocks bonds and cash there risky Roth. Has merely a tax code. It's telling the IRS that this is how I want this money treated from a tax perspective. And it's why that tax diversification part becomes so important as we deal with your daughter with your son as ideal with my daughters, and my son in law, making sure that we have all of this stuff set up. So that people are in good order as I said, my friends if you want to get signed up for the critical tax decisions that will notice that was not might that will impact your retirement.

Roth IRS Ken four one K
"four one k" Discussed on News 96.5 WDBO

News 96.5 WDBO

01:32 min | 3 years ago

"four one k" Discussed on News 96.5 WDBO

"Okay. Okay. Go ahead. I heard you say something about using my Roth instead of a five point nine four one K. Would it be better to invest more into that? Leave the Roth 4._0._1._K is it is. I wanted to do anything as an alternative to a five twenty nine account. You can do a regular Roth IRA for you. And have that in lieu of putting money in college. Find the reason you would do that is if in your family culture, there's the possibility of their child wouldn't go to college. Or if you're seven month old is already clearly, so brilliant that scholarship ING out looks like it's almost a certainty. The advantage of doing a five twenty nine plan potentially over a Roth IRA is that in a lot of state tax benefit for contributing and the account is on top of that tax free. Something I set up through my job that has to know. What you do is you go. If you go to my five twenty nine plan guide at Clark dot com. Just put in five twenty nine in the search box ignore the ads that will come up, and then you can click on my guide, and when you open an account what happens is they'll link to your checking account. And if you decide to set up automatic contributions, they'll just take them straight from that. Okay. All right, one more thing. Yes. About life insurance?.

nine four one K seven month
"four one k" Discussed on 710 WOR

710 WOR

02:51 min | 3 years ago

"four one k" Discussed on 710 WOR

"Alone is about thirty four and then also get child support. And then plus his average averaging about a thousand a month. Their minimum. So okay. All right. Yeah. You should if you're making eighty thousand dollars a year, your take home pay after taxes should be an excessive five thousand and so. Have you got have you got you got four one K coming out at work? No, I do not stopped it. Okay. Do you have any other miscellaneous junk coming out of work? That's not health insurance. Life insurance? All right. Okay. The first thing is you're gonna have a huge garage sale. Right. The second thing is is you're going to have to prioritize and not pay some things. So that you get current on the most important things. I it's ludicrous that you make as much money as you make and you're behind on your rent, and your food and your cars and your lights. Okay. So here's your priorities. Okay. Nothing gets paid until you bought food. Then nothing gets paid. You got money left after that. Nothing gets paid until you've got your utilities current. Is in nothing gets paid until you got your rent current. Then nothing gets paid you following this kiss until your cars are current. Now. We've got food shelter clothing, transportation and utilities. The basic necessities of life are taken care of your current on all of those. You're not going to get thrown out in the street. Your car's not going to get repoed, but you're probably further behind on the medical bills and the credit cards, and they're all screaming at the top of their lungs, and I don't give a rip. Okay. I'm going to get to them. But they're by far less important than your rent and your lights and your water, and you make way too much money. Right. It'd be this, bro. You cannot go to a restaurant ever again unless you're working there. Until this mess is cleaned up. Guys, eat out all the time. We did we haven't in a few weeks, you're done. Not going on vacation. You're broke right. Okay. No. We're not doing anything except working in any any extra that your husband can do to create some money with these two barber shops. He needs to be doing it needs to be working all the time. Big garage sale. This saturday. A whole bunch of crap you bought at Christmas probably needs to go back and be turned into cash. Right. So my question with the baby steps after you're not to baby steps yet. We gotta get your current before you start the baby steps so current on the basis of everything all the credit cards. You.

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