35 Burst results for "Home Insurance"
Ruth Bader Ginsburg, Supreme Court's Feminist Icon, Is Dead at 87
"Supreme Court justice Ruth Bader Ginsburg leaves a legacy as a champion for women's rights even in her final months eighty seven year old Ruth pater Ginsburg was fighting for women's rights arguing in favor of insurance coverage for contraception despite religious objections from the little sisters of the poor this was the court session in may held online because of the pandemic with Ginsberg in the hospital that day with gall bladder issues yes Austin currently through the wound what was so it was essential that women be providing the service services and with no hassles another significant opinion on nineteen ninety six ruling that ordered the Virginia military institute to accept women Ginsburg was nicknamed the notorious RBG for her defense of equal rights for women and minorities her cause of death was listed as complications from pancreatic cancer Jackie Quinn Washington
Many Hospitals Charge More Than Twice What Medicare Pays
"And health insurers paying more than twice as much as Medicare does for hospital services that's included in a new report from the Rand Corporation. Showing that businesses and private insurance companies paid hospitals an average of 247% of what Medicare paid between 2016 and 2018. The results of show that access to such information is important for employers to make sure their insurers are negotiating for low and consistent hospital rates. Swedish tech
Johnson & Johnson faces $2 billion lawsuit over opioids
"To pay back in New York State is looking to recover some $2 billion over a pharmaceutical giants alleged role in the opioid epidemic. The lawsuit says a division of Johnson and Johnson poured millions of dollars into marketing opioids and downplaying the risks and that the company continued to promote the drugs even after government officials warn that opioids were much more dangerous than other pharmaceutical products. The state is not suing Jay and Jay directly instead to suit being brought by the states the problem of financial services and alleges the company committed insurance fraud by encouraging doctors and patients to use the addictive painkillers.
Federal officials stockpiled munitions, sought ‘heat ray’ device before clearing Lafayette Square, whistleblower says
"So We're learning more these about air, small what federal businesses authorities of were these thinking air bars and restaurants and planning and retailers just before Lafayette also Square the airlines. in the nation's capital Anyone was who's cleared really of reliant protesters on back travel in June, these all days for President is Trump that to some walk across risk the there street some and beneficiaries hold a Bible of in that front as of the well. church. For those, Arrest of laying for example is following of Mike the story do for the business Washington Post with and people spoke who with are Como's making below. road Neil trips. Marissa, It seems Where as though federal officers you know there's a were perception preparing for and probably quite reality a confrontation that we're There safer they seem if we stay to have within been. the They confines were trying of our own to automobile. paint a number On of the different other hand, weapons. Tom of there And are we just interest found out that rate they were sensitive also stockpiling sectors on the housing live ammunition. sector is really Thousands at the top of rounds of the list of live that ammunition are benefiting from the environment in the D. C armory. that is a feature Now, perhaps of low more eye interest opening rates and record we're hearing low mortgage about, rates. We you know, deafening highlighted devices that in our story and even about a great heat dot Ray. com with That the is record right. low mortgage Yes, rates once but again, there's and two that's different course devices set off a that refinancing Department boom, of Defense officials even were with asking millions about. of Americans who could still Right before better these off that from protests refinancing onto you. and shop, First. several One of them is $2 L off rad, their monthly which a payments long range here, acoustic all right, device And let's talk that a is little actually bit about pretty common what has to not have happened a protest. in Washington It can regarding in the the very economic definite relief measure. your Not piercing only is noises. that an To disperse issue as crowds, millions of Americans but more often are it's still without used to make those benefits, loud but also announcement. we've got the shutdown So, looming. for example, Yeah, I'm reminded at a protest of for things they're allowed. my elementary People chanting school criticism L Rod from teachers could be used said to make I announcements was not for living up many to my blocks potential. that people It could feels hear like elected that officials what was in less Washington surprising Commies are following in that the heat model. ray that You know, would we have be called the active Economic denial relief system. legislation that really does need to be That passed is a to continue weapon the that was developed heightened A number of on years a point ago of benefits that that relies payroll protection on technology program very similar plenty to of microwave. need out there. There Send has out these been, I invisible would say some improving beings. rhetoric And if you're on caught all sides in it here lately, heats up the president's the water signaling molecules that he'd in be willing their skin. to sign something well And about make what it the Senate feel had like failed to your advance. skin is burning. We'll Is see whether there any they sense make progress as to why such and oh, a by drastic the way steps were being looked funding at? the You know, federal it's government hard is slated to say to run out and this but mark, way I think they in the will early end up days passing of the a protests continuing resolution out here in D. to C address and that. Alright, there has Mark. Thanks been as some always, unrest for your in insights the nights before that there is was Mark a fire. Hamrick, senior There was economic looting, vandalism, analyst etcetera. for bankrate dot A com. number And of that's cities Como's on Tom at Hudler. the early Come days on news of these time. cursed 1 50 back in Time late for your May or Propel early Insurance June. Money update. And Technology federal shares officials led have stocks said to a that broadly they lower were preparing finished for today escalation that out Jones industrials in part dropped 130 because of that, points But the S on and P the 500 day that this these will 2 happen 28. June The 1st tech heavy NASDAQ the protests composite for slid 140 By and large, peaceful. or one By all and a accounts, quarter percent. folks out there were Among singing the day's and chanting. notable decliners was There a was software no looting. stock that There were a took lot of more self policing than more than happening. doubled in Protestors price in its yelling market at each other debut yesterday. for throwing items Shares that police of Cloud officers Computer Company and Snowflake then when The tumbled rapid 10.4% escalation happened on today. the ground. It was First actually well ahead Solar of has nighttime. announced a It wasn't secondary dark at offering the mayor's some curfew 8.6 hadn't million taken shares effect. So its it's really stock unclear being sold what by an early investor they were planning and for what the solar they panel thought company won't they would need. receive These any devices proceeds for from the sale. you know the ammunition might be First easy enough solar to get. shares But today did they skidded get either 11%. of those other devices? That's your money As now. far as I could tell? They did No not. man. They were asking No woman around different agencies, no one see if anyone left had behind it, but Right for now. It the V doesn't F appear W that they were able It's a to credo obtain either that one. stands Have along we heard after anything our in fighting terms of a days response are over to these requests because our To service this point, never the stops. has Natural We're resources still serving, Committee of Congress which is why is we pledged you are to help doing our it own ongoing investigation. no matter where they That's are in part or when why they need some of us, these allegations came standing to the surface. in lockstep The person with who those brought who forward stood is so a whistle courageously blower in the case, for everyone even major else. in the DC National It's what Guard. makes us the V Says F he was W pretty appalled by Learn what more he saw on at the ground, V f w so lawmakers dot org's are looking into it. I know that Hi. I've heard today I'm Dr from Anita a number Chandra of folks who with are today's tip appalled for kids by what from they're the American hearing. Academy of So Pediatrics sure this is not the last to keep your we'll hear family about healthy all of this. and safe. That's Marissa It's important Lang read to be ready. more online If disasters at washingtonpost happened. dot
The coronavirus has sparked a boom in digital health
"I wanNA talk about something that in the midst. Of the misery and the death count's with corona virus in every bad situation. There's always good that emerges at the same time. In an example of that is how the? Health Insurance, industry, and the medical industries have both been. Extremely, hostile through the years to using modern technology such as electric visits telehealth, whatever you WANNA, call it virtual visits. And Corona virus changed all that a raw economics that were affecting the medical industry forced in industry that is always reluctant to change I mean think about. I got a question for you where else in your life name anywhere else in your life ever. That you walk in and you fill out pieces of paper. Seriously like it's nineteen, sixty five. We've got all these electronics today and you fill out paper. At hospitals and doctors offices, you must be kidding me that's how antiquated and backwards medicine is practiced. Okay. Enough about them. But Anyway Corona. Virus. Devastated the revenue models. Of the medical. Industry. People's visits to doctors collapsed. Huge number of people. To great detriment of their own health and potentially life we're not going for things even like their heart care. Or cancer care or chronic illnesses like diabetes not going for their visits they were worried they're going to walk into a doctor's office and they were gonNA come out. With Corona virus and not survive. So medicine finally was like, Hey, maybe that electronic stuff that would work maybe we could try that. Give you an example Humana. According to the Kinsey Business Journal. Nationally has already had a million telehealth visits. Averaging, thirty three thousand visits a day. Just Corona virus. Bay were having virtually zero. Gone from virtually the road a thirty three thousand day. Because doctors wanted their money. But the crazy thing is. It actually dramatically improves. Patients health apparently. because. Big percent of people. Just don't get around going to the doctor even if they have one. And with Corona virus, people just weren't going at all. So, in terms of WHO has a doctor? Anyway a primary care doctor. Only somewhere around sixty percent or so a people even have one. and. Then of those that do. If they try to schedule an appointment, usually, it's really really hard to get one. We'll telemedicine the appointments tend to be shorter they tend to be more focused. And they can eliminate problems that would happen otherwise. But what's even more important? Is. It does improve health outcomes apparently according to the American Academy of Family Physicians Research Save. Done. But. The bigger thing is by having those virtual visits. It creates a relationship. Between doctor patient that right now, even if somebody has a doctor of record, they don't have. something. Goes undetected. So they can get really sick. Who wouldn't have gotten sick somebody could die who wouldn't have died Or. Could have a chronic condition get much worse. So. This is. One of those times where? Something that disrupted all. Pretty much all our lives. is going to have a long-term positive benefit. And it was all about the money.
How Can I Amend the Potting Mix in My Outdoor Planters for Next Year?
"He has a bunch of pots and wooden boxes that he put plants in this year and instead of doing a garden next year, he's going to do the pots again must've liked it. So he says, what should he do to the soil? Once this year's crops are ready for to get them ready for next year. Once everything's done this year he says they had fresh potting soil in them this season and he's wondering if he should amend that with maybe Peat Moss or compost well, no First of all, I like his idea and and You can indeed grow a lot of things in in pots I. I've seen five gallon buckets with holes in the bottom that that you can grow things in. I've seen some of the fanciest horse jobs that you can imagine that are mega priced the that are all going this direction now There's a cautionary statement that has to be made at least in my opinion where if plants that are in this current years growth or any current years growth start to show divac that would if you took it to a garden center and they help you make a decision what it is, if they say that it is a fungal material. Or, bacterial or whatever. Then I would start thinking in terms of a complete change out of the soil. But until that happens where where a professional grower wouldn't dare. Put ponding material back in the old file and grinded up into it because of disease carryover and crop insurance and all this good stuff. But if the home owner such as myself I have baskets that I simply take down stack I, throw a piece of plastic over don't run constantly wet, dry, frozen, and so on, and then in the spring because there has been some shrinkage of that soil, it's on, I will add more actual just putting soil however it depends on the I'll call it the. Context in terms of Peat Moss. I'm a Big Peat Moss Lover Because of its water holding capacity and drainage. Now, that's one of the main ingredients in many of the potting soil because it does imbibe water and hose it only until the X. can drain away then moves back in the soil, and that of course is quite idea for all plants.
Snowflake's Stock Price Soars in IPO
"Welcome to pass money a blockbuster debut for the biggest. IPO. Of the year cloud companies snowflake pricing. It's public offering at one hundred, twenty dollars a share closing at two hundred and fifty three dollars a share that is a gain of one hundred and eleven percent. But this isn't the first time. We've seen a monster move in public debut. Let's get to Bop Bassani with more on that Bob. Hello Melissa see you. So you think snowflake over one hundred percent of its first day is a big deal. Not really there's been plenty of companies that have had I ate POPs bigger than that this year loan and they include just take a look here. Biotech firm cure back was up two hundred and forty percent on its first day of trading software as a service firm big commerce up to one hundred percent biotech firm. Berkeley light of nearly two hundred cloud company and Seino up one hundred, ninety, six, percent insurance fintech firm lemonade up. Thirty nine percent on their first day of trading what they have in common is there either tech or biotech firms are they outliers marginally but the first day pop for IPO's this year is notably higher than usual. So the historic first they pop for an IPO usually about fourteen percent. That's. Historically but not this year the average I stay pop in two, thousand, twenty, thirty, six, percent. What's going on? It's not stocks are cheap. The multiple of tech stocks are historically high people are willing to pay more protect because there's just a higher degree of risk appetite out there, and if you're suddenly inspired to start buying these high flying IPO. Cautious. About this look after the first day the post first day returns of other high fliers is not encouraging. So there's been eleven IPO's this year that have popped more than one hundred percent. On the first day they have average a minus, one percent return from the first day closed forward. So be very careful Melissa here big pop on the first day for some of these. But after that very difficult to maintain continued momentum most about you bob thank you good to see you Bob Cassani and who is holding the bag in the aftermarket when these Ip has declined from the first day pop guy probably the retail investor this has been the story of the issue markets. Began though and it continues today. So. You wonder why people get exercise when they see things like this is exactly that I mean I'll say it I'm not. I'm not a banker I never was a banker and I'm sure to upset some people by saying this but. There's no way to put it other than the fact that this was completely misplaced. Now I'm sure the great bankers are J. P. Morgan and Goldman and whoever a city I think was on this deal and company will say, no, we price it right. You can't tell me that a company that has a seventy billion dollar market CAP, which was open it you know price at one twenty and tripled almost in price and had to be halted its some point today for price volatility was priced right and the people watching saying, how is this not a game I? Get it it it upsets me as well but that's the way the business works in that to me is problematic mill. Why does it upset me? WHAT'S THE PROBLEM Tim i? Think they thought it was valued at something investors in the market. Thought it was something else I mean that's the way the markets work right? Again, though it's it's it's terrible price discovery because you have some sense and bankers WANNA price and the companies want a price that deal that leaves him upside for investors but but to be clear this is three times more at least the guide from last week and so the the question really is, how can they be so far off environment where we know people are paying almost anything for growth and actually wear and cloud services but but ultimately, I think the real question is who gets access to this. IPO and the thing that's troubling is that this is not a fair game. And the allocation process is one that makes sense that there are plenty of opportunities for people who did not deserve big allocations to get them and I realized this ultimately. The dynamic of a company. First of all will say I want a certain institutional investor base on my cap stack and those are the people. I want my deal. I. Don't want certain people. Read investors typically are not the group that companies want There's a perception that they're going to be in their flipping those stocks faster. The reality is that there's a lot of hedge funds. They'd probably flip this thing aggressively today. So again to me, my issue is with the allocation process and that it's not. It's it's not a fair process maybe it's not supposed to be asked the bankers that because I think that's what this comes down to to be fair. There are some companies that actually say in the allocation that they want a certain amount to go to retail trading firms like a td Ameritrade for those firms. So then Dole out to retail investors but gosh, I think to brings up a good point in terms of the average per se popping thirty six percent this year that really shows you what this market is these days the search for growth and what investors are willing to pay for that growth. Yeah, and also you got to you have to factor in we're in a different environment. So the offering price is different than the opening price, and all of that is based on interactions with institutions trying to figure out supply demand while everyone is filming from podcast or from an ipad in their home. So it's very different than last year. Very different. The whole IPO process having said that it really speaks to the reach for growth. So, if you have the price action that we saw today. Think about it. It's Tim said you want to have if you're coming out as a public company, you WanNa, put your stock in institutions hands where they're less likely to flip out of that stock on the day of the. IPO. And that's where the whole system. Might be flawed, but it's worked this way for a tremendous amount of time, and there's always going to be a problem with any system anywhere.
How Police Misconduct Affects Cities and Taxpayers Financially
"For months. Protests over the police involved killings of Briana Taylor, George Floyd and others reinvigorated an intense debate over policing. Then the mayor of Louisville, Kentucky, announced the city would pay $12 million to Briana Taylor's family and institute. A number of police reforms that highlighted an aspect less discussed the financial impact of police misconduct on cities and taxpayers. NPR's Cheryl Corley reports. City's Khun face hundreds of lawsuits every year, charging, among other things, that police used excessive or deadly force or made a false arrest. Many times. Details of settlements are hidden behind confidentiality agreements. Law professor Joanna Schwartz studies how jurisdictions budget and pay for police legal expenses, she says. Although payouts Khun Total in the millions more often there in the thousands of dollars range and with an important determining factor, the number of cases filed and the number of dollars that are paid to resolve cases. Depends very much on where in the country you live claims against Big City Police Department's cost taxpayers about $300 million last year. One of the arguments in the ongoing protests over policing is that money for police could be better spent elsewhere and the clash between protesters and police following the death of George Floyd in Minneapolis. Means Minneapolis and other cities could face a myriad of legal cost. In Chicago. Several groups work to resolve cases of people who have been wrongfully convicted. Two years ago, a federal jury awarded $17 million to Jack Rivera and was considered one of the largest police misconduct settlements in the city's history. I say that was kidnapped by the Chicago police, Roger Li. 55 years old. Now Rivera spent 21 years in prison for a murder. He did not commit framed, he says, by a now retired Chicago gang crimes. Detective Rivera is one of at least 20 who have been exonerated in cases where that detective lead the investigations. They set out to rob You convict me for whatever reasons why Rather, it was just a con the community that they got the perpetrator. Or whatever it may be. It's still not right because taxpayers have to pay for it. Victim's family have to relive this all over again what they think it's closed, and it's just painful for everybody. Over the past decade, Chicago has paid about a half billion dollars for police misconduct. Rivera attorney Locke Bowman is the head of the MacArthur Justice Center at Northwestern Law School, he says in cases where misconduct is clear, said he's often continue to fight against the allegations for months, sometimes years, and that could mean a hefty price tag for taxpayers. The decision to settle a case like that early ends up saving money for attorney's fees. And can result in Ah lower settlement before everybody gets dug in, and the price of the case goes up insurance policies and local budgets usually pay for judgments and claims. Jurisdictions hurting for cash may borrow issuing bonds to spread out payment, add bank fees and interest to investors. And those cost pile up with taxpayer's footing. The bill for police misconduct and as covert 19 devastates budgets nationwide. That could be a more frequent scenario. Chicago City Council Finance Committee Chairman Scott Waguespack says the city is working to break that expensive pattern and concentrating on police reforms so that we're not just saying, Okay, here's another settlement and good job negotiating it and move on, but really look at the deep seated issues within the department to start rooting out those problems. Activists argue tying police misconduct cost to police budgets could help prevent police wrongdoing as well as making police officers especially repeat offenders financially accountable. Currently so called qualified immunity rules shield officers from those costs that's changed in Colorado State representative Leslie Hair. It was the force behind the state's decision to drop its qualified immunity provisions. A new law requires officers guilty of wrongdoing to pay up to $25,000 and that if they were found to have acted in bad faith, violating someone's right, possibly ending in death. That they actually had to be held person responsible, just like anyone else who violated their policies and their obligations at their work with the law also allows officers to purchase liability insurance. Other jurisdictions looking to reduce police related lawsuits may follow that hybrid model of splitting settlement costs between cities and individual officers that just as victims or the families of people injured or killed by police misconduct. Continue to seek Justice. Cheryl Corley. NPR NEWS Chicago
What Are The Costs Of Climate Change?
"The Gulf coast faces catastrophic flooding after yet another hurricane this when Sally London to shore. Early this morning meanwhile, record setting fires have been burning in the West for weeks. These climate fueled disasters are not only dangerous. They're costly billions of dollars have been lost so far. This year NPR's climate team has been looking into what that means for the economy and for families nate. Rot is an Oregon and Rebecca Hersher is just back from the Gulf Coast Natan Rebecca. Hello to both of you hither. And Becky, let's put this first question to you. We know that climate change makes a year like this one more likely to occur. That's because hotter temperatures helped drive bigger more damaging wildfires and hurricanes. But what do we know about the economic toll that takes? Well, you know unfortunately, this isn't the first year that the US has had this kind of back to back situation with fires and storms, and that's kind of thing as you said, global warming helps fuel and the federal government and actually tracks the status. So we have some idea of how expensive. These things are and the cost is just huge. So in the last five years, the US has experienced more than five hundred billion with a B., dollars in losses directly from climate fueled weather disasters, and that's not including twenty twenty s disasters that will likely be in the tens of billions five, hundred, billion dollars in the last five years enormous amount of money nate outside Eugene Oregon near one of the major fires burning give us some sense of what those fires mean for the local economy there. Well, they've just been devastating businesses here in Eugene. Up. and down the state that it had to close just because of the smoke and a lot of these businesses were already just hanging on by a thread because of the pandemic then you've got the direct damages from the fires lost homes timber buildings lost infrastructure I talked to a telecom worker the other day at the incident command post with a firearm near, and he had just gotten back from being in the burnt area His name is Rob Robertson and he described the scene where like a ghost forest he said they lost something. Like sixty miles worth at telephone poles, it had been built and he says each of those poll costs about ten thousand dollars we're looking at you know multimillions worth of infrastructure to replace I. Mean it's just there's so much infrastructure out there that that's been destroyed now, and that's just in one valley from one fire in a state that's got fires in. You know basically from north to south and Robinson was frustrated because he said, he felt like there were things that we could do right now decrease risked infrastructure, but we haven't because it costs money. On that point when it comes to wildfires, for example, what can be done to decrease their long-term costs. So it's going to take a big change in the status quo right now, we spend billions of dollars just about every year fighting fires, you know trying to put him out and fire colleges, land managers even firefighters will tell you that money would be way better spent on the front end. Here's Sara ultimate pope, a former smoke jumper who now runs a force collaborative in southern Oregon we do have a lot of work that we need to do on our forest to get them back to. A more healthy state where they're going to be resilient in the face of climate change and resilient to disturbance, and to do that, we're going to have to invest in them. So she says, we're going to need more prescribed fire thinning more management of these places, and that is going to cost a lot of money. You know billions of dollars. So that's wildfires. Then there's hurricanes and Rebecca as we mentioned, you just got back from the Gulf Hurricane Sally is dumping rain on the Gulf Coast and Hurricane Laura destroyed towns along the Louisiana Texas border. Late last month gives sense about the hurricane cost. Well. You know hurricanes are consistently the most expensive disasters that we see especially hurricanes that caused a lot of flooding like sally and that's really bad news because that's exactly the kind of storm that's more common as the earth gets hotter this year has been really bad. There have already been ten climate driven disasters that cost more than a billion dollars each that was as of July. One thing to remember is that where people live really matters you know the number of homes in flood prone areas, it's skyrocketed in las three decades. So the seam disaster today is going to cause more damage hurt more homes than if it had happened previously. So zoning laws building codes, they are really important and climbing experts say that there are economic benefits to be had if we build in more resilient ways. Rebecca innate. We've been talking about the overall economic costs of climate fueled disasters, but let's go to a more personal level. How does this affect families and what do we know about how surviving a fire or flood affects people financially Well. The effects are really dramatic for a lot of people especially poor people if you don't have savings to fall back on or gave can't afford adequate insurance, a disaster can totally derail a family's finances for decades people whose home is their only source of wealth. For example, they're more likely to end up renting even years later, bankruptcy is more likely there. are other costs to like for example, research suggests that young people who survive a hurricane, they're less likely to enter college. It takes longer to graduate if they do go and survivors also have long term mental and physical health problems often, and that can interfere with work that obviously hits income or create new costs of their own. These are extreme weather disasters. We've been focusing on, but what about the financial hit from less dramatic or less immediately noticeable climate impacts like the gradual rise of temperatures. So yeah, I mean rising temperatures and heat waves hurt agriculture health certainly electrical bills. You know you have warmer waters affecting fisheries and then there's just the down the road impacts ecological decline you know are in extinction crisis. Right. Now that climate change is only going to make worse and we depend on ecosystems for everything from clean water and air or two places to go where we can just escape from it all and I don't really know how you put a price tag on something like that. That's NPR's climate team nate rot and Rebecca. Hersher. Thank you both of you. So. Much. To be here.
Tips on Breaking Into the Esports Industry w/ESN Editor Justin Amin
"It's just it's Ben here for awhile again, like I said, he started as an intern and now he's really in charge of everything outside of the podcasts, all the articles, all the things that go on that East sports network insight and he's been getting great about it. So that's a little brief about how you broke into the sports industry but just to you, you know as we talk about how to get in does insurance industry that a lot of people wanna be a part of what we're yours started steps like into East sports, and how's it developed over the last year? Well, my starting steps. I started I feel like as the average college student I only graduated college early this year by the way. So I was starting my job while still in college and I think that's a big part for terms of getting internships I started as a college student in their late junior early senior level. Looking into opportunities trying to see what I could find so I did a lot of job hunting a lot of networking. Thanks to collegiate offenses will. So I think. The very start of all of this is taking your own initiative in. Really taking the time to search through all the endless things that are out there. Definitely yeah heart agree on starting the job before you leave school beyond internships it's a great opportunity but just networking in general, you can have a lot of fakes responded to you like Hey I'm a student who wants to work at sports. People are so used to get a weird product pitches and awkward business relations like I'd say like leak did or. Email that they usually ignore those somebody reaches I was just like Hey I'm interested alert about sports usually the response for deposits that networking early starting with looking at opportunities early is really crucial break in this industry. 'cause you can do it straight out of school like edgy levels effect, but there's not even really require for college degree. We're GONNA get into what? Role College plays in the eastwards later on in the show. But I had a very similar experience and thirties or it's right after graduating school at already started doing a little bit of working as worth while I was in school started writing right afterwards and then. Pretty. quickly, nobody ever asked if I had a college degree I did have one but nobody ever really asked in these sports and Once you get some articles published, the ball starts rolling. You can take those articles to another place and just keep going. That's Kinda mind developed justice. You've had a lot more consistent of a career than my first year was I worked for eight companies by I. Did hear that on a previous podcast. You're just going back and forth between all sorts. Yet it was break the game started that I went to Action Ease for its then sport techy hotspot spahis or it's a radio station based in Europe for a second disrupt gaming an or sixteen were their podcast. Football Post. And then hots Bondar say one I. Don't know it was a a whirlwind and I actually do recommend to people break into eastwards to be a freelancer because I wasn't full time for any of those companies and allowed me to be Pretty Nimble in Okay I've worked with these people for a little while like what they're doing here I'm GonNa, go work here I'm going to go take this other opportunity and so I do recommend that to a lot of students that being a freelancer especially if you still have your parents. health insurance to fall back on. It is the biggest drawback of being a freelancer that you don't have health insurance or you don't have the benefits that come with it, and if you have your parents health insurance, actually you get that safety blanket right out of school, and you also get the flexibility to start with a bunch of different schools so as I recommend for sure. Share. A lot of options and it gives you more of your own scheduling and timing pacing. You can choose when you're ready to work. Definitely. But justice took a different path like I. said, there's no one clear path he started with these forces at work and he still works at sports that honestly that consistency is pretty nice and you're allowed to advance through company and learn a lot more when you're in a consistent environment, what's been your favorite part of working for sports network over the years? I think my favorite part and part of it is lucky that we're a small company and one of the leaders here is that I get to choose the WE WANNA run. Like If we want to cover more league of legends content this week maybe because we'll actually do this week world's drawings everything, but I get to be able to choose and shift the focus of where we need to be and where I think we need to improve sometimes it's little more overwatch content. Sometimes, we need to cut the slack and. Out Rainbow six for a little bit but. A lot of options and I like being able to. Help influence lead the company.
VPNs in Tehrans crosshairs
"Sister the US cybersecurity and infrastructure security agency has warned in a joint issued with the FBI that threat actors based in Iran have increased their exploitation of known vulnerabilities in virtual private networks. VPN Use has spiked during the pandemic and the attackers are taking advantage of the expanded attack surface. Federal agencies are being targeted. So, our private sector organizations mostly in healthcare technology, financial insurance, and the media. The attackers are making much use of three web shells, tiny China chopper, and Chunky. And tunneling. Tools F. R. P. C. and Chisel with F. R. P. C. used over port seventy, five, fifty, seven. Ceasar and the FBI I note that the Iranian threat actors use end Gronk a great deal, and this may appear as TCP port four forty-three connections to external cloud based infrastructure. The, two agencies offer some advice for mitigating the risk. These campaigns present they come down for the most part to sound digital hygiene. If you haven't patched for the tricks, CV e two, thousand, nine, hundred, thousand, nine, hundred, ninety, seven, eighty, one, vulnerability do so CISA. Alert a twenty, thirty one a offers some recommendations in this regard. You should also as a matter of routine audit, your configuration and patch management programs. The agencies also recommend monitoring network traffic for unexpected and unapproved protocols. They recommend using multi factor authentication and implementing the principle of least privilege with respect to data access, and of course, keep software up to date. You can read the whole thing yourself in Cisa a twenty, dash two, five, nine, A.
How Climate Migration Will Reshape America
"Joining me in the studio is collateral producer off multiple twenty, four hours the urban Est.. Calendar. Will Not so much first of all, what's going on in our cities but the possibility that people might not want to leave them very much anymore. Yes. This is a story quite a long read on the New York Times how climate migration will reshape America this is my Abram looks Tarkhan who is a senior environment reporter for Propublica and he has for the past two years are so been. Investigating exactly how climate will impact cities and countries around the world. Now, we do have a tendency to when we think about that to think you know about rising sea levels to think about other places, not the US but if there's anything that this recent fire season has showed that America will very much be defined by this I. Mean we don't even have enough time on this show. To go through everything he writes but I would like to highlight a few things If I may one of them is just how much Americans don associate climate migration are something that might happen to them. Now does a few pointers here of why that might one of the ones I found. My most fascinating is because it is a very rich country and it does sort of thing. I think that's the commonality those rich and fortunate places. They think bad things happen to other people exactly and it's like if I have money I can solve it. But you know we the fact that you know a lot of the houses in Florida for example, in a few decades will be below sea level is something that people know already but for example, one of the things that he. Highlights. Here is how across the United States around one, hundred, sixty, two, million people. So that's nearly one in every two people will most likely experience a decline in the quality of life of their environment, the environment throughout their lifetime, which is quite insane and by twenty seventy, the analysis on this report suggests that you know if carbon emissions are not cuts after continuous extreme levels at least four million Americans could find themselves living at the French. So places that are con- considered to be outside the ideal for human life. He poses a really interesting question, which is what is the cost of actually resisting this new climate reality and especially in an election year when you have one side completely advocating for some change in another complete denying it seems like a question that is more pertinent than ever is a very fascinating and daunting investigation that he he spoke to four dozen experts from economists, people that work demography climate scientists even insurance executives to realize all of this and I encourage everyone to look at it might be scary but. We need to be aware of
Trump on ABC News town hall: We will protect coverage for preexisting conditions
"Going to Pennsylvania yesterday for a town hall last night on ABC with Bill Clinton's former communications director, George Stephanopoulos. How did it go? Well, here's an interesting moment. A woman asking a question of the president of the United States gets testy with the president for attempting to answer it. Listen to this. Questions on health care comes from the block. She's from Philadelphia and assistant professor who voted for Hillary Clinton. Last time, Mr President. I was born with a disease called sarcoidosis, and from the day I was born, I was considered uninsurable. That disease started in my skin moved to my eyes into my optic nerves. And when I went to graduate school into my brain when it hit my brain, I was automatically eligible for disability. For the rest of my life. I chose instead to get a bachelor's degree a master's degree a PhD and become a professor. It is great. Except I still have similar health care problems. It cost me with copays. I'm still paying almost $7000 a year in addition to the co pay and should pre existing conditions which Obama care brought into brought to fruition be removed. No with that. Please stop and let me finish my questions there. Wow should then be removed within a 36 to 72 hour period without Medication. I will be dead and I want to know what it is that you're going to do to assure that people like me who work hard we do. Everything we're supposed to do can stay insured. It's not my fault that I was born with this disease is not my fault that I'm a black woman and then the medical community. I'm minimized and not taken seriously. I want to know what you are going to do about that. How about a cocked fist? Basically, I mean, it listened to her. Asked that question he tries to even gently answer it, she said. You stop. Let me finish my questions because it's because she's black and he's white. So he's racist. And so she's confronting the man was. I heard that and I thought that that was so rude and I got tired of and she was just one of several who are like because they're black. It's different for them, you know, and I thought President Trump kept his cool the whole time, and she said, I pay $7000 a year in premiums. I'm like I want your insurance plan because that's far less than mine. You know, she's paying less than I'm paying. And you know she's going to take much more out of the system. Then I dio and I'm pretty sure she doesn't understand how a socialist system works like that. Her brain is filled with all sorts of new media manipulation. I mean, it's just like it's kind of interesting to hear her talk. It's like it's like she's regurgitating a CNN segment. We'll glide. The questions were written down, and I wonder when these people asked these questions if they're written for them or if they've been coached in anyway, because there were several of familiar themes that ran through the questions. It wouldn't be the first time that political activists were either involved or made their way into event like this. The Stephanopoulos did say at the beginning that these were their own questions. These questions were written by these individuals and by the way, we totally appropriate for ABC to check on what the actual question is, from a question or prior to the production of this event, because you create a natural flow of topics that way so you can go to somebody who actually has a question that's relevant, something that was just asked. But you know, it's good to be skeptical, definitely, especially in an environment where Bill Clinton's former communications director is the moderator. That does seem like a good idea. Trump was calm in his answer Here listen to the way he talked about pre existing Titian's So first of all, I hope you are taken seriously. I hope you are and we are not going to hurt anything having to do with pre existing conditions were not going to hurt preexisting conditions, and in fact, just the opposite. If you look at what they want to do, where they have socialized medicine, they will get rid of pre existing conditions. If they go into Medicare for all, which is socialized medicine, and you can forget about your doctors and your plans, just like you could forget under President Obama. Said. You can have your doctor. You can have your plan and that turned out to be alive and instead of 28 different times, at least we have 28 different times. You can have your doctor. You can have your plan. Well, it's not true, but what we're doing is we're going to be doing a health care plan pre existing protecting people with preexisting conditions as an example yourself. It sounds like that's exactly perfect. That's exactly what we're talking about. Yeah, Okay, so and he and he hit that again, like look, any plan I come up with any plan we're gonna work on will replace Obamacare, especially the issues of pre existing conditions. I want to protect him. He's been
Apple reveals lower cost watch and updated iPad
"Maybe with the event's title, we should have known it would-be. Short. Tuesday's time flies event flew past at just over one hour, four pieces of hardware, basically, as well as new services and the services bundle we're focusing on hardware today. Surprising, absolutely, no one apple on Tuesday announced apple. Watch series sex running through the hardware. The S six system and package packs a new dual core processor based on the eighth thirteen bionic an iphone eleven it runs twenty percent faster than series five apps launch twenty percent faster. It's the first. Apple. Watch to include the you one ship, an ultra wideband antennas. The series six always on retina display is up to two point five times brighter outdoors than Apple Watch series five. Both the same all day eighteen hour battery life is before and can hit full charge in one point five hours. To features focused on during the devices introduction where the always on all tinder and the blood oxygen sensor. Not sure why always on is important for an intimidator unless you're worried about rock climbing in your sleep Apple says the always on ultimate provides real time elevation all day long by using a new more power efficient, barometric, ultimate her along with GPS and nearby Wi fi networks. This feature allows for the detection of small. Changes above ground level up and down to the measurement of one foot. And can be shown as a new watch face complication or workout metric. More life and death or the blood oxygen sensor and is associated APP. Apple says, series six measures the oxygen saturation of the users blood. So they can better understand their overall fitness and wellness. Oxygen saturation or S P o two represents the percentage of oxygen being carried by red blood cells from the lungs to the rest of the body and indicates how well this oxygenated blood is being delivered throughout the body. And how it works is really cool according to Apple's presentation. The sensors are basically checking the color of the blood as it passes by. That color indicates how oxygenated the blood is, which is free again. Amazing. Speaking of colors for the to apple watches I've owned I've chosen brushed aluminum. It's easy to match with just about anything. But if you have a signature color or don't care about matching or. Planned to have plenty of apple watches on hand to put on your wrist Apple Watch now comes in the couple of colorful colors. For. The first time says apple a new blue color. Silver Space Grey and gold aluminum case options along with the product Red Apple. Watch. With exclusive matching, bright red bands stainless steel models are now available and graphite and an updated classic Yellow Gold Color Apple. Watch edition is available in natural and space black titanium. Series six also says Sayonara to ceramic while apple didn't mention it during the event. A piece from macrumors says, that is no more. As is the way the arrival of new apple watches also meant the arrival of new bands. This time though whole new bands, not just new colors. Sport Band makes way for so loop. No clasp. No buckle. Solo Lupus a continuous end stretchable ban design that says comes into materials, soft silicone and braided yarn. Nine sizes for those. Apples supposed to have a size guide on its site. Checking Apple side it looks like Sport Band is just making room not seeding the field. Both sport? Band and Solo loop available to order as of now, there's also said to be a first of its kind leather link that wraps around the rest held in place with flexible molded magnets. Nikewatch gets everything we've talked about already plus a new Nike face and new colors for the Nike Sport Band and Nike Sport Loop. Same goes for Apple Watch air MAS- as far as improvements the hardware it's stainless steel cases come and silver or space black paired with single or Dubna, tour styles and an assortment of vibrant new colors. Now about the only thing predictions got wrong for Apple Watch as E was its name. leakers had thought that that was shorthand that it'd be called something simple like apple. Watch. Apple Watch S E is the budget chronometers name. Well mid range chronometer Apple Watch series three is the true budget model still out there selling for one hundred, ninety, nine bucks. An apples press release apple CEO Jeff Williams was quoted as saying Apple Watch S E combines elements of the series six design with the most essential features of Apple Watch, all at a more affordable price. No Blood Oxygen Sensor and no, always on display. It does sport the always on all temperature though because apple is taking this sleep climbing thing seriously. Looking at the hardware sports the same size displays as the Apple Watch series five. The S., five system and package and dual core processor deliver performance that's up to two times faster than the Apple Watch series three. The S. E. Packs the fives haptic feedback for the digital crown, and that speaks and here's what the latest speaker and microphone in the watch line. Apple says, watch as e features the same accelerometer gyroscope. altimeter as Apple Watch series six and with the latest motion centers and microphone. It offers robust health and safety capabilities including fall detection emergency, SOS, International Emergency, calling, and the noise. APP. Now, if you decide, the six time is the charm that you're finally ready to buy Apple Watch. The one you buy probably won't have a charger in the box Lisa Jackson vp of environment policy and social initiatives at apple appeared during Tuesday's event extolling the environmental virtues of apples timekeeper. Sometimes. Jackson said it's not what we make but what we don't make that counts. That he's from seeing that says that when she said that apple won't be including USB adapters with this week's watches. As putting them free in the box consumes resources and adds to apple's carbon footprint. Interestingly, people who can afford to buy a charger without giving it a thought. Won't have to do so. A separate piece on chargers Napa Watch from apple insiders as apple, watch, addition, and Apple Watch. Will include a five watt power adopter. Bloomberg's Mark Gherman Kinda cried foul over that on twitter. Quoting his tweet looks like the Apple Watch titanium and Armez model still have the power adapter. So the more expensive versions keep it. makes it seem like it's less of an environmental thing and more cost driven? I can get thinking that as an immediate reaction. Here's the thing though you gotta figure apple sells at a minimum hundreds of entry level apple watches for every single edition or. Sold. Probably thousands. So even though it looks like catering to the wealthy and yeah, there may be a bit of that. Even though it looks like catering to the wealthy dropping chargers, millions of people probably don't need. Might make an environmental difference. No I saw way more than one piece saying not including chargers with Apple Watch is just the beginning. While, it has been rumored that the next round of iphones will also arrived without a charger. Apple doesn't seem to a pulled the chargers from the ipads that are also coming out this week. We'll get to those in a bit. Want to get an Apple Watch for your kid but not give them an iphone worried that mom or dad may have a slip and fall or ended up seriously directionally challenged apple has a plan to watch the whole family. Selling points as far as apple's concerned with family setup, you can stay connected with family members without an iphone from making and receiving phone and facetime audio calls to sending and receiving messages and emails, and even connecting with other Apple Watch wearers over walkie talkie. Parents have the ability to approve all contacts. So kids can safely use the communication features of Apple Watch, according to the company. The activity rings experience has been optimized for kids according to Apple. Emergency SOS is being pushes the benefit though. Apple Watch already does that. And finally school time and downtime or front and Center for children while optimizations focused on health for older relatives take precedence at the other end of the spectrum. Now the news that will make family setup less useful for many. It requires cellular models, of Apple, watch series four or later or Apple Watch S E running watch os seven paired with iphone six s or later running IOS fourteen. Apple also said that kids and older family members of the household using family set up, we'll have their own phone number through a separate cellular plan. So, while you don't need to get GRANDPA and the kids their own phones, each cellular watch will come with a tone cellular plan and. Associated Bill. Family setup goes live today and so by the way does watch Os Savon. that. was kind of surprise more on that a bit later. With such an emphasis on the health, it's not overly surprising that the new Apple Watch Slash Watch Os Combo brings a few new health studies. macrumors runs those down starting with an asthma study being run in conjunction with the Insurance Company Anthem and the University of California, Irvine. Second the peace says Apple has tied up with university health network and the University of Toronto to learn more about how Apple Watch metrics including blood oxygen can be used to manage heart failure. Finally macrumors says apple is partnering with investors at the Seattle, flew study at faculty at the University of Washington School of Medicine to explore how changes in blood oxygen and heart rate can be early signals the onset of influenza and Kobe nineteen. The watches by the way are ready to order now. Those opened on. Tuesday, they'll ship on Friday in the US Puerto Rico twenty seven other countries and regions. Apple Watch series starts at three, hundred, ninety, nine dollars adding cellular adds another hundred. Bucks. Same goes for the Apple Watch Nike and Apple Watch Air Mas- that the prices run higher on the AMAS models. The new bands are also available to now they too will ship on. Friday the eighteenth of September. Though only in the US and fourteen other countries and regions. Porters are also underway for Apple Watch as E. It's got a starting price to seventy nine dollars. Interestingly, adding cellular to that one only adds fifty bucks raising the price to three twenty nine. It also ships this Friday and the US Puerto Rico And twenty seven other countries and
U.S. Incomes Up, Poverty Rate Down in 2019
"Finished modestly higher, but bigger gains from earlier in the session evaporated by the closed as financial shares stumble. The Dow Jones industrial Average gained two points the S and P 500 rose 18. Then as that composite jump, 134. U. S household income hit a record last year before the Corona virus crashed the economy, The Census Bureau says. The poverty rate fell in 2019 for the fifth consecutive year, but the number of people without health insurance roads There
What if lifesaving prescriptions were affordable for all
"Hi Hugh Ted Talks Daily today a super cool idea to ensure people have access to the medicines they need to survive and thrive Kia Williams the founder of the nonprofit serum saw both a problem and a solution that exists in the pharmaceutical space and her idea link. The two together should explain in her talk from Ted Twenty twenty. Every day in this country families are forced to make impossible choices when it comes to their healthcare. Like Kimberly who said? There is time I to choose between my food and my pills. It wasn't luxury stuff because I didn't make that much. It was like, can I get shampoo or conditioner? Things you take for granted and Debbie. Who Said you put your medicine in one hand your living costs in the other. Okay. Well, what am I going to do? Am I GONNA get my medicine or am I gonNA pay my bills? Will. I can't live without my medicine but I can't live if I don't pay my bills ten thousand people die every month in this country because they don't take the medicine that they need. More people die from not taking medications than. Overdoses and car accidents combined. But you can't take medicine if you can't afford it. Today the average household spends three thousand dollars a year on medications about a third of folks who are uninsured said that they stopped taking medicine as prescribed because of cost even folks with insurance. If they make under thirty, five, thousand dollars a year half of them report skipping the medications if their insurance doesn't cover it. So there are. Million adults like Kimberly in like Debbie who are forced to make impossible choices every day. We all know that prescription drug prices are too high. In our healthcare system that makes some folks uninsured and other folks underinsured doesn't prioritize people who need access now and need medications. Now, ten million, it's a big number, but it's also a solvable number because there's also ten billion dollars of perfectly good unused medication that goes to waste. So this is an injustice onto sides people not getting the medicine that they need to survive and to thrive. In, that very same medication being sent to a medical waste incinerator to be destroyed this waste is unconscionable, but it also offers an opportunity I started serum a not for profit technology company with my co founders Adam and George. To turn discarded medications into a lifeline, we may not be able to fix all the ways in which our healthcare system is failing us, but we can fix this one. Medications come from manufacturers wholesalers who have safety stock, and when it's short dated, they destroy it. It also comes from healthcare facilities like fiddles pharmacies in nursing homes who end up with surplus when a patient stops taking medication or when they pass away. We can use this untapped source of medications to supply all ten million people who need medications, and we can do this today. Serum get surplus medications by putting recycling bins into the hundreds of facilities that have surplus they fill the been and when the boxes full serum initiates a courier pickup to pick up that medication in we handle the shipping the tracking the manifests in the tax receipt medicine donors want to donate because it's actually cheaper and easier than the highly regulated medicine destruction process. And they're strong tax incentives to actually donate. We then deliver those donated medications to people who needed a new prescription comes in in our platform matches that patient need with the inventory that's available. Our platform then generates a warehouse pick lists. The medications are picked in the prescription spills. We are building the twenty-first-century pharmacy experience that low income families deserve patients can register in under five minutes and have access to over five hundred different medications A. Stable list of medications for everything from heart disease to mental health conditions
Been Caught Stealing
"Thankful faults jewelry and fine art. Maybe a casino carefully organized plans by people dressed in black turtlenecks with lots of cool gadgets close calls. What we remember as the daring heist of one of the world's most famous paintings. was really neither of those things. The heist wasn't particularly daring and the theft of Leonardo DAVINCI's Mona Lisa. Wasn't even noticed until well after it had happened. My Name's Moxy and this is your brain on facts. These days the Mona Lisa also called in Italy login Kanda and her famous enigmatic smile hang in a prominent place in the Louvre in Paris. It holds the Guinness World Record for the highest known insurance valuation in History at one, hundred, million dollars in nineteen, sixty two. So. That would be about eight hundred million dollars today. Over six million people go to see it each year. It's so popular that you can't even snap a quick Selfie of it without having a few dozen other strangers, hands, and cell phones in the frame. This popularity certainly wasn't the case when the painting was I hung in the Leuven eighteen o four or for the century subsequent. Neither was popular with critics when the artistic elite who often relegated it to the low end of DAVINCI's work it was basically just another painting. It was so unsocial in fact that it took the better part of twenty four hours before staff even noticed the painting was missing in Nineteen. Eleven. A handyman named Vincenzo Perrugia was working in the museum and he simply waited in a closet until after the museum had closed. Tuck to the painting under his smock walked on out. He was unwittingly aided by a plumber also working in the museum who unlocked a for Peruta when he found himself stuck inside. The police were called and they searched the museum. The only sign they found the Japan Kanda was frame laying on a staircase. Though police did find some twenty one other paintings in the museum. The curator's had previously reported missing. The. Search went citywide then national then international. Ships were searched before they left France or after arriving in their port of call. A reward of over half a million dollars in today's money was offered. The Mona Lisa's picture was printed in newspapers all over the world. It became a of Mona Lisa Mania. The theft of this single painting served a spawn multiple criminal enterprises. People on the wrong side of the law knew that those with more money than morals would want to buy. LEGITIM- Kanda. A pair of confidence men from Belgium hired a small army of forgers to make quality fakes, which they then sold to select around the globe. They made sure their buyers were unlikely to ever meet and rested soundly knowing that no one would let on that they had purchased the most famous stolen painting in the world. Though today, one of them would probably take a selfie with it. The huge reward and the number of fakes in circulation meant the police were inundated with leads. For two years they searched tirelessly. But Fruitlessly The sixty man strong force even interviewed, Peruta Twice. But decided, he couldn't be the criminal mastermind they were looking for. Not only did those two years not yield the Mona Lisa the police didn't even find the forgeries. The head of the Paris police retired in shame. Did, peruse, you get an enormous payday for the stolen painting. People were soon to learn that he didn't steal it for money. When ferruccio approached museum in Florence to sell them the painting, the museum's director called the police instead. After. His arrest Russia's stated. I worked in the Louvre making frames for paintings stolen from Italy by France every day I pass login Kanda and swore I would return it to its rightful home. He seemed convinced he would be heralded as a hero. This was sadly not the case but the Italian courts were sympathetic giving him only a year in prison for the world famous theft. These days legit Kanda sits behind more bulletproof
How Do I Do the Baby Steps on Disability?
"Eddie's weathers in Salt Lake City Hi Eddie how can we help? Rachel. Talked to you today you to what's up. Well I I'm wondering how my baby step journey actually is going to look I. most of my. Is actually from disability income. and I've somehow managed to make myself to pass baby sent three gut and. Now, I'm looking at. Trying to save for. The future and possibly by home Do you make a smaller earned income so I'm able to contribute to A. Roth IRA. But. I'm just Kinda wondering that doesn't quite get me to the fifteen percents. And I'm wondering how to do that and balance three be at the same time. On this kind of income. So what is your income? Make about. Forty eight, thousand from disability. What is the nature of your disability? blind blind. Okay. All. Right and who pays. Its from a workplace insurance policy thought I was actually injured on the job my goodness I'm sorry. Are you have you lost one hundred percent of your side or just most of it? Good Chunk of it. I still have. Some people would call functional being able to see. Some objects just no find detail at all just generally you can walk around the room but but but the idea of opening up a website and looking at it's off the off the off the out of the options. What are you doing for your extra earn money? I'm actually still teaching. On teaching. The subject that was trained in. So I was teaching chemistry. Able to do that still how That's so cool. How do you have been doing it for thirty? Years doing it all from memory. YEA, pretty? Much. Okay. All right and you got the lesson plans in Braille or whatever have you learned Braille I have some adaptable software Screen thing okay. Well, good and then after thirty five years off thing or two about it. Yeah. Yeah. That's promising. That's promising. Okay. Cool. Well, the reason I ask all these questions is on your right you can you you know you're doing good and how long ago was the accident? Seven years ago. Okay. How old are you? forty, seven you're over your and overcoming man you've been getting it I'm proud of you and your your impression. Thank you. So I, mean because that's a life altering to say the least and some people just get paralyzed and you just kept rolling man good for you. All right. So how much do you make teaching Eddie? Kind of. It's been as little as about. Nine thousand. And it's been as much as about thirteen. It's all depend on. You know how much I get person master? Okay. Yeah while say because between that and your disabilities or are you are you married kids family situation? Not just me. Okay. Well, I was GONNA say that's a relatively. Average income. That's the positive part is how to do the steps in disability is that people are doing it with this amount of income they're just working their way through it. So if you wanted to pause baby step forward to do baby step three B and go ahead and save up that down payment, you could for a short period of time just kind of accelerate that and actually get that quick win faster than if you were putting your money into that Roth Ira so you could do that as an option. Yeah. I agree I think you're getting there. Let me tell you what I'm hearing I'm hearing you got. Big Future ahead of you. And you've been through hell and so it might be harder for you to grasp that future but. I think I think you could do it I think you could I think you could do tutoring. Thank you. Could you might double your income If you push around and think about this a little bit you don't have to but you're just a survivor man I mean you've gotten after it. I'm so proud of you. So I would be continuing to think about ways you could do the teaching because you know your stuff like you said and anything you can do to get your income up, of course, accelerates all of these issues.
"home insurance" Discussed on The Dave Ramsey Show
"A vehicle of any kind when you make fifty. Even if you're paying cash because you're splitting, you're putting money and stuff that goes down in value. In the case of an unusual vehicle, like we're talking about, it's gonna go down in value, even more. And so no now wouldn't do that. Now if you're buying one for twenty and it's used and you wanna pay cash is still a big risk, but you're, you're paying cash and it's under half your annual income. I'm gonna be okay with that. As long as that used Tony is whether it's in Baltimore. Hi, Tony. How are you. I'm stressed as, oh. How can I help? So here's the deal. My mother-in-law is the cosigner on my wife's student loan and her car loan. And we're trying to to follow baby step to my wife and I did FPU and we're both work at two jobs. I'm driving lift even I have a Towery, but anytime we don't pay on the student loan, my mother-in-law pays on it and we catch the backlash 'cause she doesn't tell my father in law. Why wouldn't you pay on the student loan? If you're thinking, if you're out there working, your butt off working by step to? Well, it's little decided that I've got a bunch of medical debt and a bunch of stuff from my first marriage as we're going by numerical value. Going to tell people to not pay the bills and the debt snowball. It's below the line right now after we pay rent, after we get the money all your bills, you're not in baby step two. Okay. Yeah, that's where I'm at baby step point. Five. Yeah. You gotta get current on everybody. I. So what's your household income. It's if fluctuate that say between eighty and ninety. Okay. And how much is the student loan debt. Eighty thousand dollars, good Lord and how much is owed on her car. Six. I'm actually paying two hundred dollars a week on that to get it paid off faster. Good. That's going to free up some room. Wait a minute. You're paying extra on it. Well, I'm paying two hundred dollars a week. Is that the normal payment now? So you're paying extra on it. Yes. Meanwhile, not paying the student loan on time. Yes, wrong. So first rule is let's get current with everyone before we pay extra on anything. Okay. And I don't blame him for wanting to get her out of your ear, and I'm trying to help you do that. Okay. So you have six thousand and eighty thousand and what other debt and how and you got medical bills, how many medical bills. Lost count, didn't have health insurance when I was younger lowered in an what's as a bunch of that in default. Yeah. Have you got a bunch of it on payments or you just painted as you can? I'm paying as a can. Okay. How much total is that. At honestly, my wife's, they get all of that. I've been. I don't have it sitting in front of me. We'll give me a guest twenty or two hundred. I'd say about twenty. It's a lot of little stuff. Gotcha. A lot of ankle biters. Okay. What other debts I had those seven thousand dollars on a car. That was repossessed when I was younger. Are you paying anything on that? Not right now. Good. Okay. Don't right now. Okay. The medical bills that do not have any payments on them that you haven't worked out a deal with, don't pay anything on them. Set them sad, set the report. The side for now, what other debts have you got. We owe that six grand on my car. Okay, so six grand each onto cars and you're making eighty. Good. Did you say your your household income was eighty. Give or take. My wife server. Okay. And how much and how much is your rent? Eleven fifty. Okay. You guys need to do a written budget and you need to personally get involved in see the numbers in the budget. So you know what they are and can answer the questions when you not talk again. Okay. You need to get more involved because she's carrying all the weight of this by herself and she's having to cringe every time the phone rings in the idea has her mom's number. Yeah. So you guys making off to pay minimum payments if you don't pay anything on the medical bills except what you've already agreed to do and you don't pay anything on the repo right now and you pay the student loan minimum and you pay the car payment minimums..
"home insurance" Discussed on The Dave Ramsey Show
"Quickly that includes Tesla's. Which is an interesting experiment, and a lot of people are loving these cars. I'm not dissing the cars, but the company's hanging on by freaking shoestring. And if it goes belly up, you know what you got. A dishwasher on wheels, baby. I mean, you got a problem. You got a real problem, and so you know, ask anybody that owns a DeLorean. What happens when something goes broke? Okay. This asking by that on some do I need to keep a Saturn what happens when they close up brand? Okay, very heavy. Drop in prices. You make fifty thousand dollars a year. You should not have more than half your annual income tied up in all of your vehicles combined. So if you're single guy making fifty and you wanna put twenty five in something and you pay cash for it. Okay. As long as it's brand new, extra heavy risk on something experimental, like a tesla and I understand they're good cars. I've got no issue with the quality, the car. I've got no issue with the performance understand they're really fast. I've got a good friend who's a jet pilot that owns one. So I know they're probably pretty good because those guys are all anal about mechanical things. And so you know, I'm sure it's. Fine vehicle I have. I don't have any personal knowledge of it. I don't own the one I need something. That makes noise. And so it bothers me. But lots of noise I'm redneck. But nothing against tesla. In other words, except that it is a very narrow market unusual vehicle and the home office is hanging on by thread. So you know, this is something you buy when you have the money to throw away in other words, or you get such a good deal on it, that it doesn't damage your finances. You do not spend thirty five thousand dollars on.
"home insurance" Discussed on The Dave Ramsey Show
"You know my heart was on fire, what do I do? And he actually connected me to church that was less than two miles from our house, which is where we are now. Okay. I'm Pasha match church faith, Presbyterian fresh. Okay, very in Washington right now. So you drove out of work losing end up in the parking lot, and you and got have a good conversation mostly talking to me. Yeah. Yeah. You were ready to listen by then? Yeah, he he made it ends. So you call Tricia and go, let's work on this. Yeah. And you know, like I said, I wasn't sure what to do. My heart was on fire. I I needed understand God and the relationship and I needed to get myself right before I could be right for into your. What forty years old, roughly? Yeah, are probably for probably thirty nine. I was right around Corrie. Yeah. Wow. So Tricia you get this call from this guy that you really didn't like right then. And he says, he's been in the church parking lot talking to God. You day roll your eyes. I didn't believe it. Thought, so. Hey, good for you. So you saw it up. We both did and pastor Matt helped lead us through that process. God is, God is good. Great. So the marriage starts coming back together. You gotta start talking. You start looking towards the future. And the money piece is just a piece of it, and it pops up five months later, you go into financial peace and it's like, hey, whatever we're doing. We're doing it all in now. And so Dave, whoever got whoever let's do it. Yeah. And so now seven years later here we sit with a paid for house and. You know, the paid for houses really, really cool, but the rest of your stories better. We get some cooled at free stories, and this is a cool debt free story, but there's a better life story. Absolutely. Very, very cool. He's a whole family restored here and kept intact with this marriage and a future and a legacy that has changed. I mean, when you have an intersection with Jesus in the parking lot man, I mean, it changes everything changes the trajectory of your eternity way to go guys very cool stuff and what a great story to connect up with a great church and great pastor and to the point eight km with them for those for those of you looking deeply into your radio pastor, Matt came with them. He's there cheering section here, so that's pretty cool. That's pretty cool. I get moms and dads and brothers, sisters and friends showing up to support on debt free screams occasionally, I get a pastor, but this is special very well done. That's very neat, very, very neat. Okay. So. The normal question is what do you tell people the keys to getting out of debt are? Are they different because of everything y'all went through here. There's the mechanical things, but was there something heart thing that happened that was different. Or is it just the normal stuff you can tell me? I don't care. I would say it's the y, you know you're out, you're y. Yeah. Or are you doing this? You're y had to be huge. Yeah, already there. So you know, I just that was in my heart. I was ready to run. So on the big picture makes little decisions a lot easier. Yeah. Oh, yeah. Yeah, you can. You can do the little sacrifices. If you can see the end of the game. Very cool. Very cool. What was the hardest part after you have this. This Damascus experience mountaintop experience and huge. Learning curve over that eighteen months, I'd initial eighteen months or so that involves you starting financial peace. After that. It starts to cool off a little bit. Life comes back in. I mean you seven years, you kept at this. So what was the hardest part to keep it going? Keeping the free spirit. You. Oh, okay. So what did the free spirit do when she was out of line? I would just not followed about it in to the line and I just I learned I learned and I was never perfect, but Connor and Brendan and reader with you Stephen and Tricia from Cincinnati, Ohio house and everything. Two hundred and forty, six thousand dollars paid off in seven.
"home insurance" Discussed on The Dave Ramsey Show
"And how long did this take right at seven years? Okay. And your range of income during that time? One hundred twenty five. Sorry. Two hundred and fifty to start and then down to one twenty five. Okay. And. Wow, okay. I'm guessing seven years and such a big amount that your house that's it's a playoff. Where people. Congratulations. You guys very well done. That is fun. How does it feel to not have any payments in the world? Not even payment. My gosh. Well we just paid it off yesterday, so this is a new feeling. Okay. All right. Hadn't even had the mathematical hit the checkbook yet with no house payments during the next budget window here. So cool. You guys. How old are you to forty? Seven. Forty eight. All right. And not even fifty in your houses paid for you are so set this mazing. What's this house worth? Two hundred ninety thousand. Wow, good for you guys. Very fun. Okay, so tell me the story. What happened? All seven years ago they got you started on this process. Well, this is kind of unusual, but it started when I divorce papers, we're getting in two thousand nine. It was August, and there was really no hope for our marriage. We had three little. They were little bin, and but God had a different. Ran for us really did he read a lot of people praying for us people. We didn't even know where printing for us, friends of friends of friends and he worked miracle. He changed our hearts, you changed our marriage and he led us to our church, our new church with our pastor, Matt Kadora right here. Oh, and friend. And when we were there, we. Met some people at our new church that highly recommended your class financial peace university, and it was being offered at the church. I have to be honest, I hadn't heard much about your before. I knew your name, but that's about it. There's a lot of people haven't. It's okay. I'm sorry. But it you know, it changed quickly because we signed up for the class nearly five months after our divorce papers written, we had already burned them that New Year's Eve. And we decided at that point that God had taken us this far on this journey, but it was time to trust him implicitly with everything including our finances, which we thought we were really good at the way, and we decided whatever Dave says goes, and we went through the class and seven years later here we are. We facilitated three classes so far. We're our fourth one in January. So the marriage trouble the you were in at the beginning of this story, did money problems have any part of that money was not really a driver really just because God wasn't a part of our marriage. We just weren't in a good church. We weren't, you know, following God's word on anything really. When he crashed in the good old fashioned selfish. Yeah, absolutely. Yeah, that's usually what happens in that situation. Is that what it was? Yeah, Lutely that's happened around our house. Sometimes thirty five years of marriage. That's happened a couple times. Yeah, that can that can come up while and so it was kind of winding down. So I gotta go back because it's such a great story and you're sort of been so open about it. Appreciate that. So what. What was the first thing that happened? 'cause it's not anything to do with this debt free story that freeze kind of the end of the financial part of this big miracle story overall. But you had the divorce papers written what happened? What was the stopping? What stopped it? Yeah, it was really God crashing into my life. I was Saul on the road to Damascus and he just crashed into my life and said. I have other plans for you. So you just woke up mill the night. I mean, what are you saying? I was at work actually, and my fellow is gonna lose it. Uh-huh. And I just had to get in a car and I drove to a parking lot and I lost it. Okay. And. When I came to my senses, I, I was I was in a parking lot of a church, so I just went in and prayed. Turn my life around this church. Not this church. My work at that time. Okay. Actually, I was talking to somebody who's trying to turn me around out in Colorado on my sister-in-law, Karen, I got on phone with the pastor out there and told them what had happened and what do I do?.
"home insurance" Discussed on The Dave Ramsey Show
"I can tell by talking to you, listen, you don't wanna be broke, and, and that's not a good idea. And I retire next year and. Stay away from Amazon. Yes. I know that. I'll I always that and then my car. And then which left on the house with on your car? About twenty thousand. Okay. Here's what I what I would tell. Larry burqa used to say that that is not the problem. It is the symptom of another problem. Okay in so yeah, dad is not the problem if we make the debt go away, guess what? In your case and in most of our cases, by the way we didn't solve the real problem. So what's the real problem at your house? The real problem is you guys are not on a detailed plan that gives you guard rails and keeps you from overspending the Amazon appears. Yeah. My husband said, he's totally disabled. He's not. He can't do anything. So that doesn't mean that doesn't mean you can't control your spending. No. They wanna go through that financial university, right? You can go. Thank you. Oh, really? Yeah. Take him with, you can go with, you know, he can't even sit up in bed care of him and working at the hospital. Oh my goodness, where you go through the class and I want you to do instead of cashing the IRA out is I want you. I want to get control of Shelley alcohol because I think that's going to be a bigger blessing than just getting the debt paid off. And then the debt will be paid off because you guys make decent money. I mean, you're making between all income sources coming any problem making over ninety eight year. Aren't you. Yeah, maybe what's his? What's his disability. How much is disability a little over? Eighteen hundred a month. So what is that a year? Twenty grand and you're making sixty five. So that's that's bumping up to ninety right there. So yeah, you are. I thought I was almost like I've done this before, but yeah. Yeah. Go through financial peace university. You hold on. I'll have Kelly pick yet, but Shelly, here's the deal, Honey. I love you and I want you to get control. You Shelly get control of Shelley. That's what changed my life when they've got control the Dave change my life and it was the benefit of me going broke because I was out of control. I mean, I I was just I was heading over the bridge signs were out bridge out, bridge out, bridge out and all of this press down on the accelerator and you're doing the same thing, but you're doing smaller but that Amazon it'll eat you alive. Kiddo. You don't get control. You and credit cards. Get other people, car payments, get other people, and you need to get rid of this debt and you're going to be able to do it. You make plenty of money to clean the debt up without cashing in Eunice. To do it. So I want to get that car paid off and get this Bank loan paid off. And then no more nervous laughs about a mistake. I made last summer because we're not gonna do that anymore. You're going to get control a you and you guys got a long life ahead of you and you're gonna eat some money for it. So you can't let the, you can't let people bear down on you and you be out of control. So hold on, I'll have Kelly pick-up. We'll put you in financial peace. University is my guest, and the only thing I ask if you take care of business now you take care of you. You do this stuff, I'll show you what today, but you gotta go do it so big deal. This is the.
"home insurance" Discussed on The Dave Ramsey Show
"Make your budget balance. And so. With all of your income. I hope you can do some investing you should be able to. We should be able to repay the debt that we have recurrently on step to over start snowball. Yeah. So I credit card. We have about four thousand on it, and we're working to pay that off at about three months. Very cool. Good. Well, I mean, your income comes from several sources. The story is unbelievably dramatic, obviously, and traumatic, both and but really doesn't change the steps. You still are going to use all of your income from all sources to walk the baby steps. And that's what you're doing right now. Baby step to getting out of debt. Then three, you're going to build an emergency fund and then four, you're going to start investing long-term. And so you're gonna continue to do that, and you need to do all of that regardless of the source of the income. In your case, though the sources just unusual because it's disability income from such a such a crazy situation. So. Wow, amazing. That is one check. I don't mind writing a tax payer right there. That's one I'm happy to ride very few things. I say that about about attack as tax payer check. I'm thrilled to right, but that's what I'm thrilled to. Right man. Wow, Shelly is with us in Chattanooga. I Shelley. How are you. How I had a question last summer, I kinda got into trouble financially and I had like four credit cards or so. So what I did is I consolidated them and just have one loan at the Bank, and I have this. I are a know that I wrote over from my 401K and they said that if I can take out ten thousand a year without getting penalized for it with no tax and the loan is like for eleven thousand, and I wondered what smart to take out and pay that loan. So can you take out ten thousand without being penalized? Well, that's what they said. I don't know if it's my age or. Sixty five where you won't have any penalty on anything you take out. The only thing you the only thing you would have would be taxes on it. And I guess what they're saying is it won't drive you into an upper tax bracket. What is your income. Well, I make as a nurse kinda very about sixty thousand a year, and then my husband is totally was able to get the pension that like eighteen hundred a month. I don't much is in your IRA. About a hundred and twenty thousand. I think you will have some taxes. You won't have any penalties only will have some taxes if you take it out and pay this off. The thing is you probably make enough to just pay it off in a year. If you buckle down your budget, couldn't you stay off of Amazon and stuff. Maybe you don't push that little prime button anymore. Crap. Showing up at your front door. Take off your phone. It's not been a blessing..
"home insurance" Discussed on The Dave Ramsey Show
"So by using my, she is being conservative and so and you're not being crazy wild buying too much house, man, you know, you're not. You're not that guy. If you use that formula, you're being very conservative in your home purchase. And if it's within that guideline, you know, I'm fine with it for a first time home buyer. The thing I will remind both of is this you're not gonna live there forever. The number of times that people buy a home and stay in it. Their entire married life is almost zero. The average home sales every five and a half to six and a half years in America. That's the average. And so it's just like taking a job, you're not going to be there forever. You're not selling yourself into slavery. You can just quit if you don't like the job, you know. And if you don't like the house, there's another house on every corner you drive past. You can sell that one and move into another one. So you've got the ability as your financial situation. Changes to move up down out in, you know, whatever. It's not forever. It's your first home. It's a great home. It's a great place to get started. I'm really thankful. I do not live in the first house we bought because it was a dump. I mean, I'm really thankful. I don't live there anymore. It was crappy and but it was a great place to get started. And we got to be homeowners and we made a little money on it and we sold it and all that kind of stuff. So you know, make it ascension, but it takes some of the pressure off of the decision. If you remind yourself, it's probably for five years, you're probably gonna move and it's like, oh, it's not forever. So if I don't do exactly right, we can move again not want you move every two years. I don't drive you crazy and make you broke. But the point is that that it's not forever. And if you use our formula, you're going to be okay, Alex is with us in Dallas, Texas. Hi, Alex. How are you? Hi, Alex. How can I help you? General question I did. I live in Texas. Oh, we did an insurance because our roof damage after hell storm. And so I didn't insurance claim in my insurance company, say me toughened dollar check to replace my eight thousand dollar roof, and I wasn't aware of the policy. I reach up to my broker and my broker, and my insurance company told me that I had a catch policy and never heard of. So actually we talked to the broker in the Brooklyn you, no, that's what you sign up for. You kinda wanted to the cheapest policy, but I told the Roker how would you write a polity policy like that to somebody who listens kiss, which there's hailstorms and you know, it's, it's just and so I don't know what recourse I could take towards the company or none or none. None. You bought it here grownup and they, you know, it's what they sold. They sold a sub-standard policy. It's not called cash. Value. It's probably actual value. And here's the thing too. I don't know that the policy is the problem. I'm not aware of policy type that allows them to give you a one thousand dollar check on eight thousand dollar claim. I don't think there's an insurance policy that set cheap. I think what's happened is you've got a dispute about whether that roof is really completely destroyed or not. And I mean the at the end of the day, I'm not an attorney, but an insurance policy is a contract. You sign the contract, you paid money, they signed a contract. They received money for covering you for exactly what the contract says. If the if you don't like what the contract says, the suggestion is as an adult, you shouldn't sign it and you shouldn't get people money for it. And so you don't get to just go, hey, I bought a blue car. Wait a minute who sells blue cars, it's wrong to sell blue cars. You bought a blue car, dude, you know. And so that's kind of the way contract law works. In Texas. But again, I'm not an attorney. And if you think you've been shysters somehow or misled or fraudulently treated, then you could see an attorney for advice to find out for sure what happened, but with what you're describing to me, I don't think you're gonna find out anything different you might though..
"home insurance" Discussed on The Dave Ramsey Show
"G thinking, smaller of thinking larger, what are your thoughts? Why are you thinking smaller and larger? You're talking about price or size? Both. Okay. What's. Why? Why? Why the argument? I don't understand. She thinks that we should go for something that's. Also say inexpensive in lieu of Saint cheap. And I think we should do something that is still within our budget, but allows us to have a little bit more than the bare minimum. Okay. If if she's going cheap, is there a reason? I mean it meaning we're gonna live like no one else. So later we can live like no one else. Is there another goal with the money or she just generally achieved person? The ladder. Okay. All right. Well, that's good. I'm married one of those. They're really handy to have around actually. I read, we turned into billionaires because, yeah, yeah. I mean, she's honestly, I'm the spender. That's why God makes me teach this every day, but sure. Sharon's naturally cheap and. I mean, every pair of clothes she puts on. She has to tell me how she got a bargain on it. It's like part of the routine. So. Yeah. So I mean, it's a wonderful thing. You have the other kind of wife, Lord help you, you know, I mean, so, but, but here's the thing mathematically it's this that you need each other opposites attract and you're there to help her have a little bit more enjoyment out of her life and to loosen up and she's there to keep you conservative enough. So you don't run the car into the river, you know? And so just, you know, that's the balance on the thing and the maximum guideline that we give you the.
"home insurance" Discussed on WTMJ 620
"Or home insurance with only one option and what are you gonna do when you're rates go up choices an options manner to all of us all the time regardless of the product or service at the star group we provide you with many different options for both auto and home and remember the star group promise if your rate should go up over the industry average we automatically contact with other choices notions get out of generic town and discover with thousands of other star group alumni have choices now sessions because insurance should never be just vanilla discover the star group an sta a double our group dot com this is tim president of the star group one of the larger independent insurance agencies in wisconsin if you've been hearing about cyber reaches of course and you will continue even though eighty percent go unreported more alarming is it is increasingly difficult to stop a cyber attack tech the reason is if you're antivirus software is unfamiliar with a new virus it can penetrate your system your company is exposed to a breach of just one employee opens in email that looked like it was from a regular contact of there's that email incubates in your system and watches all ueki strokes point average of two hundred and sixty days yes the sabri criminals are that good and a recent national study thumbs 75 percent of us companies are illprepared foreign attack as technology insurance specialist we've spent significant time studying proper risk avoidance and the best cyber insurance firms available discover cyber insurance from the star group our agents are welltrained of minimize your risk esti a double our group dot com.
"home insurance" Discussed on WDRC
"You know uh i uh talk a great deal about this radio audience when i go out to speak and the reason i do is because you are not afraid to speak up your not afraid disagree with dan or myself and you really are very very talented and when it comes to our sponsors you know that i would not i would not the advertising anything that i would not purchase myself i would never do that and if i'm not sure of a product that wants to advertise i try it generally or talk with the owners generally before i talk with you about it and one of those products was auto and home insurance and i could not believe what these two young men are doing and i said you know this is something that is gonna help my audience tremendously and i found out that gone are the days when you had to to buy insurance directly from one carrier i did know about that may be you did but i didn't and these two young men started a company see see s insurance yes they will gather multiple insurance coach for you and help you make sure that you're not overpaying they reveal the coach with you and help you choose the best ones based on coverage and cost and save you.
"home insurance" Discussed on KFI AM 640
"The stage they had a coffin and it's open and the word hollywood is written on the open lit of the coffin hate speech hate speech against hollywood's right you can't have that i got news for him hollywood right now seems to be doing a very good job of burying on themselves yet per and what i don't know if they need help from anybody else pretty much all right this is getting worse than northern california wildfires new insurance losses numbers now insured losses over three billion yeah it's and the two thousand homes destroyed or damaged that number just keeps on going off because people are making the claims later and later because as you going to make your claim you're not gonna do without minute you gotta deal with seeing what you can salvage ranging housing and you come in and what were a couple of weeks out not even a week out where people were finally able to come back well it was i feel like it was about a week and a half ago that we were reporting the insured losses had topped one billion yeah and the insurance commissioner says it's probably double that there are a lot of people didn't have insurance how many people don't have home insurance fire i don't know how many people do not have insurance well he's talking about other stuff also infrastructure and he is talking about you know probably mobile homes things like that people still have insurance i mean really think about this if you have any if you have a mortgage you have to having shirts right okay if you own your home without a mortgage who's crazy enough not to have firing cheryl there were a lot of older people up there maybe their homes were paid off and they thought you know what maybe i don't have the money for fire insurance identical this not that expense will look at another week and a half will probably have a new numbered yao be it'll be equally shocking and to think about how many homes were affected more than forty thousand not.
"home insurance" Discussed on Radical Personal Finance
"But that information needs to be protected and on their you should have photographs of all of your property uh especially anything that you're going to need to demonstrate for your for your insurance claims seizure photograph your property you should regularly do a video tour of your home to demonstrate the value the property this in your home it's not unusual for people to accumulate tens of thousands of dollars of furniture and other property and you may need that when it comes time to filing your home insurance claim you should keep on their current photos of your family members and this file in this drive there should be it should be duplicated uh one should be stored with you one should be stored in an offsite location in a secure location but completely offsite whether that is something that you have access to for example a safety deposit box that you maintain or whether that's in somebody else's safety deposit box or somebody else uh that maybe somebody else in their personal safe it should be stored in a in another location as well in case you can't get out are you can't get it out but that should be in your bag that i'll have applicability long bihac long in many things more than just in a fire but will come into place in a fire for example one thing that i recommend is that you maintain in their relatively current photos of every member of your family uh in case that voter needed to be put on missing persons poster one of the major challenges right now in california's there are in my memory over forty people confirmed dead but there about a hundred and fifty ish people who are missing right now and hopefully most of those people will show up but it's valuable to have a photo that can be distributed careful in it's nice to have won that is just as very simple photo of your children in case they were ever missing and it's nice to have that available to you so very quickly you can pass at along to the authorities who will then distributed to help you to get your children back.
"home insurance" Discussed on KOIL
"And has to do with that i thought it was interesting i was reading articles about you know the the press conference everything with ronny green and hank bounds and and when reporters asked about mike riley and and the response was this is not about mike riley right now right and i'm like yeah the right now is not a good indicator of anything i mean i i hope they they regroup in the end they together i mean i think he's done a on paper a really great job of recruit dean you know you look at the three and four stars and everything else they're getting and that's on paper a lot better than what we are getting before we're near three you would think you wouldn't see a lost like we did last week but it was amazing hopefully will will turn things around and and get things on the right travel we are hoping so yeah in other words can be a very long season and i'll have the but pay for someone's insurance so right yeah so anyway hey we've been talking about insurance lada and and have a little time of the huskies but what what types of insurance do you do offer i know i know house ensure home insurance and auto insurance but what other types of policies to guys offer at a red one insurance you know we we we become well we're we're starting to do more and more small business insurance as well we because we're an independent agency we have access to really a limitless supply of carriers and there are some strange businesses out there that can't get insurance any place else and you can't get it from you know may be from one of the big break the name companies because they just they don't deal with things that they don't understand and um so we we do quite a bit of business insurance lot of workers compensation we will sell a fair amount of life insurance and disability insurance we do.
"home insurance" Discussed on KMET 1490-AM
"Loans in america it's not fire it's not home inspections it's not credit scores it's what happens when things flood and we've had a lot of that recently and i wanted to talk to you about whether events in general but also about what's going on down in texas the responsibility of the people involved for helping and obviously let's say okay let's look at what's happened in the houston area in terms of this massive amount of water that his hit uh there are things going on there obviously people were escrow there were loans pending and what happens when a weather event like this a curse here in escrow and you're waiting for your escrow to close a large rainstorm like this hits in all of a sudden the house who are going to buy his underwater now do you still want to buy you don't want to buy it what are your obligations knu by bull somebody lend on it what happens to the insurance what happens your home insurance does the property currently have flood insurance one happens in situations that are what they term uh act of god and in in those circumstances what are your responsibilities and what are your out if you wanted to get out or if you did one continuing purchase what is the responsibility of the lender that was gone the wind the money but now may have second and third opinions that's a very good question one of the things that we're trying to figure out and in california course we have earthquakes and lots of him in last winter of course we had a lot of rain here as well so when these type of catastrophic events happen and you're in you know presume either get alone or you're in position to buy a house or to sell a house let's say that that's the scenario what happens who is responsible how do you win your way through it these are all questions that need to be answered person by person there is no i guess i'll universal answer to that particular question or problem and the the need that you have is to be very aware of what your signing up for both in the real estate contract and in the loan contract the loan usually deals as does the real estate contract.
"home insurance" Discussed on Money Girl
"Podcast number four hundred seventy three is ten facts you should know about home insurance podcast four hundred fifty two is three facts about usage based car insurance that can save money and podcast four hundred forty six is ten financial products to make money and create security and a couple of those products in that show are about insurance okay the third tipped to stay safe in a natural disaster is create a home inventory one task that's often very difficult for disaster victims is listing all their damage possessions on acclaimed form a matching you returned home and found everything you own destroyed by a fire or tornado would you be able to list each personal belonging you lost and its value that sounds like a daunting task for anyone especially someone who just became the victim of a natural disaster make it easy on yourself by creating a room by room inventory now not only without help you get a potential claim settled faster but you'll know how much insurance you need to purchase in the first place start by listing the most expensive items in each room such as appliances electronics computers and jewelry gather up any original sales receipts were appraisals to help you estimate value and if you don't have a receipt make a note of where you bought in item any cereal or model number for clothes and housewares simply count the items you owned by category such as three coats fifteen shoes and ten place settings of china if you own a lot of stuff and have never created an inventory don't let the task overwhelm you just get started with one room and make a goal to complete an additional room each week until you're done.
"home insurance" Discussed on KMET 1490-AM
"Loans in america it's not fire it's not home inspections it's not credits scores it's what happens when things flood and we've had a lot of that recently and i wanted to talk to you about whether events in general but also about what's going on down in texas the responsibility of the people involved four helping and obviously let's say okay let's look at what's happened in the houston area in terms of this massive amount of water that his hit uh there are fake what's going on there obviously people were escrow there were loans pending and what happens when a weather event like this a curse here in escrow and you're waiting for your escrow to close a large rainstorm like this hits and all of a sudden the house you were going to buy as underwater now do you still want to buy you don't want to buy it what are your obligations can you buy it we'll somebody lend on it what happens to the insurance what happens your home insurance does the property currently have flood insurance one happens in situations that are what they term of active got and in in those circumstances what are your responsibilities and what are your out if he wanted to get out or if you did want to continuing purchase what is the responsibility of the lender that was gonna win the money but now may have second and third opinions that's a very good question one of the things that we're trying to figure out and in california course we have earthquakes and lots of them in last winter of course we have wada rain here as well so when these type of catastrophic events happen and you're in you know positioned either get alone or you're in position to buy a house or to sell a house let's say that that's the scenario what happens who is responsible how do you win your way through it these are all questions that need to be answered person pipe person there is no i guess i'll universal answer to that particular question or problem and that the need that you have is.
"home insurance" Discussed on KKOB 770 AM
"The care that dr not treat where the money's going so re as he part of the problem if i am spending somebody else's money let me let me say this carefully the the one of the problems is with the with the employer insurance and you not having to shop around when when we are responsible for our own money when somebody says to us a there's a i can get in for a cats scan right here right now and it's i'm just making numbers up a thousand dollars or you can drive in dallas there's a place you can drive from from my my house there's one that you can drive just down the street you'll have to make an appointment you'll get it by tomorrow but it it's not right here and it half the cost same thing just half the cost which reflect your way of pricing but had nothing to do with the actual ministration of medical well it would convenience i mean one thing is convenience and and also these companies being able to gal juror is out because most people they don't care about the price because it's not them paying for it and so when you remove the responsibility of wait a minute it's my money i'm going to have to pay for it the then you you for instance with home insurance i could file a my home was struck by lightning this weekend and look into that glen why here i i know i know rate of what he's what are you saying there so it was struck by lightning and i said to my wife she was gone and she worked with our dad was an insurance agent and i'm like you know blue the tv blew the system you know blew a whole bunch of stuff and she said well we have a huge deductible and i thought oh crap we who don't we now it's not free anymore and so you know you you start to now care wait a minute who did i call what it let's make sure where pricing this the right way and so there is a difference in it's the free market system and washington is taking it even further they're just making deals with the government with with the insurance companies in and with all the people who are getting rich including them so my further work you know.