35 Burst results for "Insurance Policy"
Kayleigh McEnany said Trump wasn't given an 'orderly transition of power' in 2016.
"Of Kayleigh Mcenany. I think it's a longer tape. It's like two minutes, right. I want to give Kayleigh mcenany the floor for one of the most comprehensive and should be viral clips. Of exactly how Democrats have been treating President Trump the last four years play tape. Talked about and identify the real potential for fraud with mass Valin voting also something that I would notice just we talked a lot about transfer of power in the election, and it's worth remembering that this president was never given an orderly transition of power. His presidency was never accepted. In fact, before theologian his election we know Crossfire Hurricane was launched by Peter struck to pursue a baseless allegations about the president's ties with Russia. That's before he was president, trying to subvert the will of the American people we know. In August, Peter Struck, wrote a text message about an insurance policy. Against a trump presidency once again, trying to silence the voice of the American people on in 2016, you know, in October that there was a five a warrant if ISA warrant taking out to spy on the Trump campaign And the American people spoke, and they spoke commandingly in electing President Trump. Despite all of the odds and what happened after he was elected, you had 70 lawmakers say We're not coming to his inauguration. Democratic lawmakers you had Elizabeth Warren saying. We're going to attempt to obstruct the trump transition by urging the Government Accountability Office to investigate the incoming trump transition. In January of that year. You had President Obama have a by the book meetings. Where they talked about the Logan Act, using that act to go after Lieutenant General Michael Flynn just before the inauguration, you had Buzzfeed promoting and publishing this bogus Steele dossier that's been widely debunked. I'm in for two years. You have the basis. Mueller investigation, which search for collusion, found none and exonerated President Trump
Seedbanking a Floristic Province with Cheryl Birker, California Botanic Garden
"So tell listeners. What your job title is in in what you do share is it you do. Yes so i am. The seed conservation program manager here at california botanic garden is actually the largest seed bank dedicated to conserving california's native flora. so my job. I get to go out in the wild and make seed collections of the rarest plants in california. Bring those leads back to the garden process and store them in our c. bank because if you process in store seeds correctly they can potentially live for hundreds of years in storage you making those collections essentially an insurance policy against species extinction in the wild. You know so when. I'm not in the field collecting seeds. I'm back at the garden working with those seeds. Curing the collection managing the data and conducting these experiments trying to determine the best way to grow these plants from see. It's it's it's a very fulfilling job to have. I bet i bet. The current holdings of the seed bank there are how many we currently have over. Fifty four hundred collections representing over twenty two hundred taxes on plant tax a native to california so we focus on california and the california listrik province which also goes down into baja and a little bit up into And our our overall goal is to seed bank every single species native to california which is a a huge gold. Have i mean. California is about diversity hotspot. there's over sixty five hundred. Native plant species are tax up more accurately and many of those. You know all all the pao diversity is so threatened by human activity so we have our job cut out for us definitely and so when you use the word tax you are referring to a single species so with with the word species right. There can be multiple subspecies or varieties. And those are those are distinguishable dis- different plants so there are sixty five hundred different kinds of plants in california. We would call those tax that includes all of the different subspecies and varieties. But probably there's only three thousand species if you're not counting those varieties so usually try to use the word tax. Okay so for Let safer example and we're talking occurring tax not human cultivated cultivars. Is that correct. So it was a so that the given example. I'm thinking of my beautiful woman. Hetero files that's in bloom right now and there are several cultivars on the market. That people would have run into like margarita. Bob yes so in the bank we actually do. Have accessions of those cultivated varieties but our our main focus is trying to Conserve the genetic diversity. That is naturally present in california. So those those true species and not the cultivars
NRA settles insurance violation case for $2.5M
"Rifle Association is paying New York $2.5 million. Selling settle an investigation into insurance policies the state called dangerous. Regulators accused the Honoria violating insurance laws by selling insurance without a license, its policies covered gun owners owners costs costs related related to to self self defense defense shootings. shootings. As As part part of of the the settlement, settlement, the the Honore Honore is is banned banned from from marketing marketing insurance insurance in in New New York York for for five five years. years.
Two charged in 2018 killing and dismembering of new York City woman
"Announcing the arrest of a couple in the murder of 26 year old Brandy O'odham found dismembered in a park in Canarsie, Brooklyn, Back in 2018. Authorities say 33 year old Corey Martin and 32 year old Adele Anderson killed Oldham to collect money from several life insurance policies taken out in her name in those policies, Anderson allegedly claim she was owed him sister. The pair is now charged with conspiracy to commit fraud. They could face 20 years in prison if convicted. Prosecutors say they're looking at possible murder for hire charges in that case is well.
What you need to know about open enrollment
"I want to give you an update on open enrollment, which is beginning any day now for many private employers, most of us. Who have the good fortune of having health coverage suing employer are go through these open enrollment periods where? You can change your coverage potentially your deductibles. What your premiums are going to be possibly have access to an HSA plan and I wanted to tell you one thing. A lot of people were worried about earlier. This year is not going to happen, and that is there are not going to be big increases in premiums for employer provided coverage that you would do during employer-provided open enrollment or if you're buying an individual plan and most of the country, you're not going to see any large increases if you're buying a plan at healthcare dot Gov or your state equivalent website for an individual plant, the reason is the cost of providing care for Corona virus have not. Changed the math four insurers for particular crazy reason. You know how earlier this year I was telling you about people who were not going to their doctor visits and people were even having heart attacks and they were refusing to go to the emergency room. Well a lot of. Normal. medical that people would get people weren't doing and insurers actually have seen a significant benefit. From lower utilization of medical services, and that's why there's not going to be big increases and premiums except in odd situations but unlikely and employers really don't WanNa rock the boat much with their employees. For Twenty one in the open enrollments coming up. But if you are someone who has changed employers this year lost your job got another one. The new job doesn't have health coverage. You then become eligible. To buy coverage for yourself, and if you have family members, family members as well at the healthcare dot Gov site, and if your state has its own, they will refer you straight to it. And that starts next Sunday. For the open enrollment period that is six weeks long for buying an individual health plan. And on their, you'll have a choice of color coded plans. That are bronze silver, gold or, platinum. And the colors is you go up. The colors the premiums are higher the coverage more robust but I want you to know that if you don't qualify for subsidies. On the exchanges, the premiums you pay are frightening I mean they are very very large. The reason is the average cost of insurance for family. In the United States now from an employer. And it may not be what you're paying, but it's the overall cost of what you pay. The employer pays is now over twenty one, thousand dollars a year. So you by an individual policy, it reflects similarly and so the premiums are John Norma's. On the Individual Exchange though most people buy their qualify. Financially for some level of subsidy. That reduces the premiums a great deal, but even when you get past the premiums You got the deductibles that are pretty significant. If you. Wish you can buy what I a junk health insurance policy, which is one where you can buy it for a period of. A year up to renewing two more times for a total of three years that does typically does not cover pre existing. Does not cover serious illnesses typically like cancer heart disease, diabetes. But provides a base level of coverage with tight limits on total coverage. With very cheap premiums people argue about whether it's better than nothing or worse than nothing. But if the premiums at healthcare dot cover the state equivalent or out of sight, but you don't WanNa be completely uncovered. You can look at that. The other alternative is what's so is a faith based health insurance policy is not really insurance policy faith-based medical reimbursement plan. That are offered by many religious organizations are religiously affiliated organizations where people of like minded faith pool their money together. And Pay. Some not all of the medical expenses of people in the pool. The risk is if you got a couple of people with this very serious illness, the pool can run out of money, but the premiums are much much cheaper.
What happens to all the other COVID-19 candidates when the first one is approved?
"Now we have staff writer John Cohen. He wrote a story this week about an interesting question what happens to all the other covid nineteen vaccine candidates when the first one is approved. Hi John. Hi. Sarah. How are you? I'm good. He could be let's be honest. We're both sick of the pandemic. Yeah. Absolutely. Let me leave my house that my child leave the house. That's all I want to normal. Yeah. Normal. Let's talk about vaccine candidates. How many are in studies now under study now and what does the trial landscape look like at this moment? Know they're forty two in human clinical trials according the WHO list? The World Health Organization doesn't update list that was as of October second in there about two hundred in development. Of, the forty two in clinical trials tanner in the last stage of efficacy trials, the phase three, we're going to be mostly talking about what's going on in the US those numbers reflect worldwide vaccine development that's global. The US has four efficacy studies underway right now, and these are all part of what they like to call warp speed all part of operation more speed. Yeah. Yeah and so they're going through trials going through all the same steps, but that could change once one of them gets. Approval, why would something changed about? You know what's going on with the other CO bids scenes? The concern is that the mediocre might be the enemy of the better or the best the way that we've set things up in the United States the food and Drug Administration has a mechanism called an emergency use authorization. It's received a lot of attention because of hydroxy chloroquine because of rim, Desa there, and because of convalescent plasma and because of diagnostic testing, all of those have used this pathway for. Approval and authorization essentially is short of a full approval and it says, Hey, were in an emergency we only minimal data that gives us an idea of this stuff working and then we'll let it be used widely. So why are we worried about the other possible covid nineteen vaccines? If for example, one gets a UA by November I the FDA has said in a document issued in June that the EU a could be issued for fifty percent efficacy. That's a pretty low standard to begin with. As. Soon, as you authorized the use of one vaccine, first of all, this is an ongoing study because they're going to use data for an e you a most likely from an interim analysis someone of axion efficacy trial is scheduled to take six months. An Independent Safety Monitoring Board looks at the data at certain pre scheduled time points in the case of these efficacy trials they look at. The data early based on what they call? It's are basically the end points of the study. The studies are primarily asking the question. Do they prevent symptomatic disease that the number one question they're asking? So that's an event. If somebody gets a symptomatic disease and these trials are scheduled to have one hundred and fifty events to reach their final conclusions, but they're going to take peaks at the data. At fifty events, a net one, hundred events roughly at fifty events a company. If it had strong evidence that the people in the vaccinated group as opposed to the Placebo group were doing better, they could seek you a based on fifty percent efficacy at that moment they ethically in a quandary because the people who are still in this trial, blindly a receiving either vaccine or placebo ethically you could. Argue you've gotTa Blind and tell the people who are receiving. Placebo. We've got a vaccine that looks good. Do you want to get it? So you've undermined that study from reaching it's real and points of one hundred fifty events What's more? Every other study underway has to let the participants know that the US has issued and ethically you have to give people the option of taking a vaccine. The FDA's blessing. People might walk out a trials who are in trials. If you were staging a new clinical trial, you may well have to compare your vaccine to the one that has received the authorization. Well, it's much easier to prove that something is better than nothing. But what if you have a vaccine that's fifty percent effective and that becomes the competitor not a placebo well. Then, this new vaccine let's say it has sixty two percent efficacy. You're comparing sixty two percent to fifty percent not fifty percent zero. It's really hard to see that small difference or even if they're equivalent, let's say they're both fifty percent. So you need a much larger study and it needs to go on for a longer period of time and it costs a lot more money we. Don't have. It's not likely that people involved in trials for other vaccines or even the people in the placebo arm of the one that does get approved would have access to the sack seen. That's a critical consideration. If supply doesn't meet demand, then we have an easy you were only giving outlets twenty million doses to the top priority people healthcare workers then for the people in other. Clinical trials they have no other option. Then the issue is not this great ethical dilemma, but remember were speeding things up with operation more speed in order to pump out three, hundred, million doses of vaccine from one company by as early as the end of January. So this problem, it's not here today because supply doesn't meet demand, but it sure could be here in late. January and. February march April who knows what we're going to have in terms of efficacy data and who knows what we're going to have in terms of trials in their enrollment. Remember we have a couple of trials that have been stopped because of side effects. When you put a trial on hold that means it's not going to reach its end point for even longer and that's happening right now with two of the warp speed vaccines. In your story, we don't want just one vaccine. There's some good reasons to continue to investigate and to look further afield even after one is approved, can you talk about some of those? For one thing we may need different vaccines for different populations. The elderly we know with influenza, they need a much higher dose because their immune systems don't work as well as they age we may need one that's tailored for pregnant women. Pregnant women are GonNA, tolerate a risk factor much much lower than everyone else. You might need a vaccine that simpler to deliver for some parts of the world that doesn't have a cold chain issue or you need to keep it at. MINUS SEVENTY DEGREES CENTIGRADE. You might need a vaccine that's cheaper for many countries even though it's maybe sixty two percent versus sixty, eight percent effective, it might be a better deal at the end of the day because more people can get it for the amount of money you have on top of all that we want a lot of vaccines because more vaccines means more supply we have an insurance policy of something goes wrong at a manufacturing plant. If a side effect crops up when it goes into wider use, we have this backup of other vaccines. So there are loads of reasons why we want a whole portfolio vaccines ultimately to prove safe effective. That's the. Case that you have to make to participants people who might be involved in trials. Do you think it's going to be effective? Do you think people are gonNA still volunteer to get a vaccine or not vaccine that hasn't been approved? You put your finger on a really important issue and that's who enrolls in a vaccine trial why it's not like you have cancer that's going to kill you and you're enrolling in a trial because you've exhausted all medicines and you're hoping beyond hope that this new treatment will work and Save Your Life. That's a completely different motivation to join a trial. Then a vaccine when you are healthy, you're joining this to prevent something from. Happening so ethically, you can argue that well, that person most of these people are doing it for altruistic reasons the really doing it to help other people and you can ethically approach people in a study and say, Hey, look this one vaccine got EU a based on the early data that it's fifty eight percent effective. We'd like to keep you in this trial and it's a blinded study and we promise at the end of the study is one of the bioethicists I interviewed said we promise at the end we're going to give you the better vaccine, but will you stick with this for a while so that we can figure out if the vaccine that isn't For us is worth pursuing going back to your cancer example. There are cases where a clinical trials is happening the people in the treatment group are doing so well that it's no longer ethical to continue to deny that treatment to the placebo arm. That's not what's happening here. It is a different equation, some ethicists. That, even in a vaccine study, a person has a right to know if they're a participant whether they're receiving a placebo vaccine if there is convincing and compelling evidence that the vaccines working but keep in mind too and this is something that I think a lot of people have a hard time getting their heads around wearing a mask and social distancing goes a long way toward protecting you from this virus maybe even more than fifty percent effective vaccine 'cause then you're walking around. With none of this protection or you're not taking it as seriously exactly and that's called behavioral inhibition. If a vaccine leads to behavioral discipline habituation and people dropped their guard, stop wearing masks stop social distancing they may be putting themselves at more risk even though they have a vaccine in their bodies
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
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.
I Have $50,000 Left Over From College Scholarships
"In the lobby of Ramsey Solutions Jona joins us for the question John Holliman. Ramsey thank you very much for taking my question. Sure what's up? So in a little over week, I'm going to be starting my college experience and I'm in a very fortunate position to where I'm receiving hundred thousand dollars towards my college cost Lloyd ago. Thank you however through a number of merit aid scholarships that four year total is going to be about fifty thousand meaning the residual is kind of up there and that's my question is. In the four years that I'm in college. What should what should I do with that fifty thousand that remains Where you going to school that? Ole Miss Bonus or what are you studying chemical engineering with a potential double major in Mandarin Chinese of course. Goodness. Gracious. Wow smoke. That's fun well. Here's the thing. Joni you. The amount of money you can make investing fifty thousand. Pales. In. Comparison. To What The To to what your degree is worth. In the marketplace, so you are a better investment. than. Mutual Fund is. Now granted. We don't need that fifty thousand and we don't think for you to graduate. Now, without debt but if the merit scholarships dropped for some reason, this fifty thousand sitting there not invested Is or not trapped in something is worth more as an insurance policy on you getting through school without that then than any amount of money would make. So let's say it may ten percent Sharon cry so you'd make five thousand bucks. And you. So you'd make in four years you make twenty grand correct, which isn't spit compared to what you're going to be making absolute. Be My. Hope. I think that's fairly predictable with you. Sir. So the You know what you could make on. That is not as good as making sure you get through debt free. So if you WanNa just park it in a mutual fund or a money market account you can if you wanted to put it in a low risk, low volatility, mutual fund or some kind that's fine but you could still lose some of it. I would not put it into retirement account I would not put it into a super long term thing because then you're going to be tempted if you get squeezed to borrow instead of using that money. And again, you're the magic sauce not investing. Investing long-term become the magic sauce, but it'll come from your income that you're going to create. So pretty incredible situation you got yourself into. This is neat. Your Mom and dad did a great job obviously without much merit scholarships you did a great job. So those are academics a lot of them. Yes yeah. Okay. Very cool. So what is the deal with the Mandarin Chinese you want to go on the mission field or something? No. So That's actually through a federally funded program at Ole Miss this a flagship. Mandarin Program, and so I've studied Chinese since middle school and it just so happens that as I was searching for college that program popped up and I was able to go there, visit them at a really good impression and. It seems as if they had a good impression of me. So but I mean, you didn't have there wasn't like mixing that with the chemical engineering and some way that you had a certain goal. It's just you've enjoyed the language exactly Oh. Okay. All right. That makes that makes sense. I thought maybe the two together we're taking somewhere. I didn't know what you were doing. Okay. Might might be international business of some kind but Wow and what a great language to know in today's world. Absolutely. So very cool. Why Shop Guy Man thanks for coming by.
The University of Utah, Jack Daniel's Whiskey, and Carnival Cruise Lines Hit in Ransomware Attacks
"Do the University of UTAH? Jack. Daniels. Whiskey. And Carnival cruise lines all have in common. Well Friday last last Friday. The University of Utah revealed that it had paid a ransomware gang four, hundred and fifty seven dollars. And fifty nine cents. Four, hundred, Fifty, seven, thousand. Yes I got that would have been. Four hundred and fifty, seven, thousand dollars and fifty, nine, hundred, and fifty thousand. Fifty nine dollars. which sort of begs the question or they get that number? Now that I finally got it out correctly, it's probably bitcoin. Nine dollars like half a million bucks. It's like the Bitcoin version thing they probably would. Yes somewhere. BITCOIN that turned out to be that. And what's interesting is that was not to obtain the decryption key for their files. They didn't need it because it turns out that very few of their files were encrypted but rather her and Leo I know this goes to you know the thing that were you just kind of like. Grit your teeth to purchase the promise. From the extortionists. That the student information that had been exfiltrated beforehand while. Yeah that's not be publicly released your Seymour. One this is big. Yeah. Yeah. They're they're they're just they're hoping that the there is honor among thieves and that these guys will keep their word in senators. Word is that if if you want others to pay you yes. That's it. Exactly. If, of course, ransomware gangs or not all the same but and didn't we hear no, it wasn't It was cannon that had some information leaked last week that we reported on and so so Lawrence over at bleeping computer has said that you know they assumed since the jetsons cannon got themselves back up relatively quickly that they had paid the ransom. But now since the extortionists in that instance were leaking the information, maybe cannon had restored from backups and said, Nah, we're not paying your stinking ransom and the bad guy said. Here comes your You know your your private corporate next decade plans for the future. How do you? How do you want that? How how do you feel about that being leaked? Anyway. So the in this case University of Utah explained. That it had dodged a major ransomware incident and that the attackers managed to encrypt only zero point zero, two percent. Of the data stored on their servers. And the university staff was easily able to restore that from backups. However, the ransomware group then threatened to release student related data see they had obtained and exfiltrated. So, the university said after careful consideration, the university decided to work with its cyber insurance provider to pay a fee to the ransomware attacker. This was done as a proactive and preventative steps to ensure information was not released on the Internet and again to the extent that such. Can Be ensured. The Cyber Insurance policy pay part of the ransom, and the university covered the remainder no tuition grant donation state or tax payer funds were used to pay the ransom thought that was an interesting explicit statement that they made. They said, the university disclosed that the attack took place a little over a month ago on July nineteenth twenty twenty and the network belonging to the Collar College of social and behavioral science was the victim. So Apparently A. A you know as a sub set of the. Entire Larger University. was where the break in occurred and there must have been some isolation there. So anyway, that is one of the three and presumably they were able to negotiate a cheaper payment in order to you know because they hit the bad guys hadn't managed to get. The bulk of the of the university stuff. But you know they did pay for they promised to not share student data, and as you said Leo, the reason that would be honored as well as you know, nearly half a million dollars. And they want to do. Yeah exactly. You got to build your credibility. Exactly And two other large and notable recent ransomware victims were Brown forman famous for their distillation of Jack Daniel's Tennessee whiskey. And Carnival cruises. The Jack Daniels folks said are quick actions upon discovering the attack prevented our systems from being encrypted. Unfortunately again, we believe some information including employee data was impacted. We are working closely with law enforcement as well as world class third party data security experts to mitigate and resolve this situation. As soon as possible, there are no active negotiations so. In that. So that says it sorta sounds like. Oh, in fact, a that statement from Brown forman came after Bloomberg News reported that it had received an anonymous tip of the ransomware attack a site on the dark web claiming to be run by members of the reveal strain. A ransomware says that it had obtained a terabyte of data from the Louisville Kentucky based. Brown. Foreman the site said that stolen data included contracts financial. Statements Credit Histories and internal correspondence of employees also included were screen shots of file structures documents purportedly taken during the heist. So does look like the pattern we're seeing now is because you know major companies that have the deep pockets who also have the pocket depth to now proactively backup their servers well. So it's possible for the for if if the only thing done was encryption. A golden opportunity to extract a ransom could be thwarted if the if the good guys have backups at. So now what's being done is That data pre encryption is being exfiltrated and stored somewhere. Then the data is encrypted and so we have you know we're we're we're increasingly seeing this two part attack exfiltration that the company desperately does not want to be made public. In case they have backups in which case, they would not otherwise need to pay the extortion. So you know it's not really ransomware as much as it is. Okay. We got copies of all your stuff. Shall we share it with the world? PLANO blackmail.
Retail Landlords Offer Pandemic Clauses in New Leases
"Retail landlords are including pandemic language and new leases. A previously rare feature is tenant Seek protection after the first government mandated Corona virus shutdowns in March complicated their negotiations for rent relief because many insurance policies didn't cover pandemic related losses, landlords have offered various concessions to attract to retain Senate's Including allowing them to defer part of their rents. If another shutdown is ordered. Both sides get breathing room tenants are able to lower expenses. While landlords are still able to collect some money for overhead and their mortgage.
'Welcome to Sweetie Pie's' star charged in alleged murder plot to kill nephew
"Of a reality show. Senate on ST Louis Soul Food Restaurant, Sweetie Pies has been charged in connection with a murder for hire plot that left his nephew dead. James Timothy Norman was arrested yesterday on charges in the shooting death of 21 year old Andre Montgomery in ST Louis in 2016. Prosecutors say Norman conspired with a Tennessee woman in Montgomery's murder to collect on a $450,000 life insurance policy on which Norman was the sole beneficiary.
Caregiving & Employment Make It All Work
"Welcome to fading memories a supportive podcast for those caring for a loved one with memory loss. Me Day is Larry Nice Nsen actually got that right for a JJ me. and. He is with Care Jen we're GonNa talk about caregiving and employment, and some of the things we need to do. So that, we can care for our loved ones and still work and earn a living and keep our economy goings. Thanks for joining me Larry. You gotTA. Jennifer. It's my pleasure. So tell me a little bit about yourself I within we've been chatting for half an hour and I don't think I know how you got into the care end of things. Absolutely and Like like you I am a caregiver I was thrust into it. With the the typical call right? We all get the call that says. I know your life was on a path. But it's now going to go in a completely different direction and you may or may not recover on that path but here's what's happening the way it happened for me. I'm actually has a good ending to it. So I'll I'll give you the the end of the book as I give you the beginning of the book and my father I was driving down the road with my mother he was in his mid seventies and. Started to drive radically in his turned out my mother who is much smarter than medically anyway than she should be said, doesn't look right and drove my father to the hospital where they found out he had an advanced brain tumor. and. Everything was fine until it wasn't right and so he had a brain surgery. And a hundred percent recovery from the brain surgery except for one little problem. Is paralyzed from the neck down. And Yeah didn't expect that to happen either they stocked her said there's no reason it should happen but here we were planning. Just, a normal Tuesday afternoon we were planning on a normal Tuesday we're going to do whatever. We really do the rest of the week and working and see each other and that will get time and now. Instead my mother and my brother and I were trying to figure out. What do you do with somebody who is paralyzed from the neck down who can't speak WHO's basically in a coma and they don't know what the prognosis is. Now fortunately for us I told you the story ends well. My father. After about nine months of having to learn how to speak again and walk again and all that stuff. About Ninety eight percent. None of the only thing that he had as a residual was he had what they call it drop foot right? His his right foot doesn't pick up all the way and so he ends up wearing a brace on to help him keep his foot up because otherwise he'd have the second biggest problem, which is what most older folks have, which they trip and fall and hurt themselves right But. He was really fortunate because he had a long term care insurance policy. So. When I talk about caregiving. One of the first things I say to people is we were incredibly fortunate were incredibly fortunate that the outcome was positive as I said, he's now my father turned eighty five in May and he is. As cantankerous Z. was. For my whole life, and so he's everything he should be and we didn't have to worry at no point. Did we have to worry like most caregivers do on how to pay for things? He had a long term care insurance policy. So money wasn't the issue it was just a matter of emergency care and what to do and so. I broke into this industry twenty five years ago in the insurance business. And came to genuine. To. Help them build out a portfolio of products and services around caregiving and the financing of aging in so. It's something that's near and dear to my heart is near and dear to most of the folks including our CEO. And all of our senior leaders were all caregivers in one way or another, and so we bring to the idea in the solution, not just the technical or academic end. But we're all We bring the empathy of people who provide care on an ongoing basis to, and so we think we we kinda understand what the average caregiver GOSTA.
Charlie Kirk: Coronavirus stimulus
"And you have Schumer Pelosi. In Biden one hundred twenty five years, Charlie Kirk of failure, unmitigated failure, swap failure and I. Think of my kids. You met my son. He's twenty one years old. My daughter's eighteen and I would think about your America their America and when I say you know, live free or die, American, the world on the brink I'm not joking. And very specifically will be probably the biggest choice election by far in my lifetime, and maybe since eighteen sixty, and there's a lot at stake We can go through the issues if you want, but it's. It's there's there's not one issue we agree on that. I can think of for the most part yet, and you wrote this, and it just really sent chills down my spine. You wrote this book to sound an alarm as a warning. Warning to my fellow patriots about the left's undying commitment turn America into a land, our parents, founders and framers wouldn't recognize it. It's perfectly put, and that's the direction that they're headed on page twenty seven. You have a great part about how Ben Franklin says we ever republic. If you can keep it, can you talk more about how this truly is? A referendum election in some sense and the left is trying to do to our country. Well the the story about Franklin's interesting, because it's, it's the constitutional convention and somebody says he comes out one days, says, is it a monarchy republic republic? If you can keep it Reagan, I quote him off. When I give speeches, said Freedom Charlie and you know this is but one generation away from extinction. And you know when if you want understand if socialism is adopted if their stated goal is adopted America as we know, it then becomes unrecognizable look, I can understand psychologically. There's a component of maybe people that that have been indoctrinated in schools, and you're great at this because you're going in to hostile environments every day, and you're saying you know what there's another way of thinking here, so maybe the idea that people think Charlie that some things are oh, everything's going to be free and they're gonNA forgive my loans at I'll have a guaranteed government job guaranteed government food. How did obamacare workout now? We're GONNA have Medicare for all or or double down on the stupidity of Obamacare and guaranteed retirement. Guaranteed vacation sounds great. But simple math shows you that you'll never get there. And that's why in the Fourth Chapter of the book did this whole history of socialism which is a history of failure? The point is look at the issues. If if we're talking about law and order. They've cited in Portland in Seattle and new. York and Chicago with the radicals. Joe Biden his yet that I know of said one good thing about the ninety nine percent of cops protect and serve and put their lives on the line for us every day. You're right. Okay, so law and order taxes. He's pledging to raise your taxes through the roof. That will destroy the economy Then they're gonNA just add all the bureaucracy. The Donald Trump spent almost four years. Eliminating that'll be gone. That means nobody's GONNA WANNA DO Business. That's why the Biden Obama economy was so bad. Then you look at where now energy independent for the first time in seventy five years with a number, one producer of energy in the world will lose that for sure We'll shut down coal fracking. Oil Gas exploration production those tens of millions of jobs high paying jobs career jobs for people. Then it's about amnesty. Or the United Sanctuary states of America versus Border Security and law and order of never mind foreign policy. We haven't even touched that part yet, so. There's a lot at stake. If those plans stated plans are implemented. America will go down the past you know. The Trash bin of history as Reagan, said Freedom One generation away from extinction we will. It I shudder to think what will happen the three you and your children by kids, and and maybe one day grandkids. ARE READY FOR THAT And I love the framing, because as the founder said either we're GonNa live free and defendant right now, or we're gonNA. Have a country that you know. We don't WanNa live it, and that's really the framing. That is so important right now, and you talk about and I'm really pleased about this. Shawn because I think we have forgotten about the Russia hoax too quickly in. In the conservative movement, you have been the leader on this every night. You were covering it. You didn't let us forget you help. Muller Accountable, you had investigative journalism and it just seemed that an Oxana names, but other conservatives just kind of drifted away from like Oh. That's what happened happened. You have two chapters on this in the book. Can you talk about that? Yeah I mean I call it Charlie, the the biggest corruption abuse of power scandal in history and the Ukraine was oh. Okay, we failed with Muller after three years. We won't. We won't even bother with a special prosecutor not to I'm going backwards here but to get to Ukraine. You? Know they're talking about quid pro quos, but you have to ignore their presidential candidate on video saying you're not getting a billion US tax payer dollars unless you're fire. That prosecutor is named Shokhin. WHO's investigating my son Hunter who went on a and said? Do you have any experience in oil? No Gas, no energy, nope, any experience in Ukraine. Nope, why are you being paid millions? No, because you dad, so there was a quid pro quo and millions of dollars for the Biden I call crime family. That's exactly right, so. Listen and China's even worse. You get to this whole thing what we now know and I believe what's coming. It's like, and this is where the media's corrupt because. They're just the propaganda wing of all things democratic. Socialist. We now know and have all the evidence that we'd ever need is that they protected their favorite candidate. Hillary Clinton. For things you and I and everybody you know that follows you and you have a massive audience would. Literally never get away with. If you had subpoenaed emails Charlie Kirk and you decided to delete them, and you decided to acid. Wash your hard drive with something. I had never heard about bleeped bleach bit and bust up your devices with hammers. You'd go to jail. If you violated the espionage act, you'd go to jail. They protected her. Then the narrative began we now know began in August. We know crossfire hurricane representatives actually went to brief. President Trump General Flynn. Flynn on national security, but they were there to try and get information on trump and Russia, the most amazing part of this, because the Democrats and the media live for all these years is that they knew and they said and they wrote, and they even testified. There was never any evidence, but there was a dirty Russian dossier. And now we know even the New York Times acknowledged full full of Russian disinformation and that was used. And they were warned not to use it, but high ranking people abusing their power, wanting to take out candidate, trump, transition, team, trump, and then deep into the Presidency Donald Trump. They use the dirty Russian misinformation dossier to ruin Carter pages life and roomed his civil liberties and constitutional rights, but more importantly to spy on candidate trump, and then they had their insurance policy. The fact that the mob in the media ignores it is beyond comprehension. I have so I have two chapters. One is on the Russia hoax, and the other is on this whole impeachment witch hunt. And I want everybody in your audience to understand one thing here if I can get one point across. Yeah, they hate Donald Trump, but they hate us more. They think we are as Peter. Struck, said the smell by the way I probably shop at Walmart say money. Why not you have a woman I love Walmart I love COSCO's. I Love I love it all. And I've shopped there my whole life I mean people always stopped me when I'm in a grocery? So, what are you doing here? Shopping? Wa I like to eat a cracks me up. So but think about that. smelly Walmart Shoppers while irredeemable deplorables, wow! Bitter Americans as Obama said that WANNA cling to their God. I'm guilty their Second Amendment Rights Guilty Bibles and religion I'm guilty of that, too. But. It's contempt for your audience. It's contemporary my audience. It's because they knew better. And they will ling. This was an attempted coup. Now do I think there's going to be arrests and prosecutions I? Do spend much slower than any of us would have liked, but the evidence is overwhelming. It's incontrovertible sad actually that this could happen. That was going to be my follow up. Question Sean because when I travel and we get thousands of e mails a on this topic. When are people going to go to jail? And can you give me insight on this? Can you give us any clues any crumbs that we're starting to see from Durham? It's I call them. It's funny. You say crumbs because call them the the Attorney General Bar breadcrumbs. It's like Hansel and Gretel. Remember. We're we're trying to follow and see the trail exactly yeah. He did say that the president was spied on. It did happen illegally. The. Think about this. If you go before Judge Judy I wouldn't WANNA lot because Judge Judy I. I've met her once she'll eviscerate. You I watched her show. You. Don't go before a court. The information that you have not verified. It actually said at the top of a FISO Warren Charlie. It says verified. Okay. We now know the dossier was unverifiable. The sub source we now know, said this this bar talk. We were making this up. This was never meant for anything and again Hillary paid for it funneled money separate issue. And so, what is going to happen I don't have a crystal ball but I. do know all of the facts that are in the public. Are Enough to indict many of the names that your audience is most familiar with. I would argue. Komi McCabe struck page. I'd like to know a clapper. Brennan's role in all of this ends up being and and others. The more fascinating deep question is. Will they get to that January fifth twenty seventeen meeting inside the Oval Office? This is when member Biden said George Stephanopoulos Oh I. Don't know. Anything about this, you know this whole impeachment Russia thing. He was the one same. Bring up the Logan Act fifteen days later Susan Rice in that meeting did the Cya memo the day that Donald Trump was inaugurated. Obama in that meeting shot Sally Age by saying a He. He knew everything about the Kislyak Michael Flynn call. If we look. To sum it up. I think we're GONNA get there because the evidence. Is that overwhelming? If we don't. I fear for the country? Because of you. GonNa Raid Manafort's home predawn raid and you're going to raid Roger Stone's home. For lying to Congress by the all many of the names I mentioned were referred for the same crime and you're gonNA. Pull it twenty nine guys in tactical gear, frogmen and tip off CNN cameras and. Have a biased jury for person. We won't have equal justice and equal application of our laws, and worse than that Charlie is. We lose our constitution. Yes, all our laws are are predicated on next great document and some `perfect, but it creates the path to perfection at a more perfect union so. Long answers. I'M GONNA talk. Show I love it. No, this is what our audience needs to hear, and and thank you for that and look I I completely agree because if we do not have people and I, say this as carefully as I can in handcuffs for what they did Donald Trump then I I will lose faith in the American justice system I. Don't want that and I don't want revenge I don't retribution I want people to be held accountable and I would want the same if someone did this to Barack Obama because it should never happen to a leader ever. Yes. and. They've gone after every single trump friend confidant, and yet if you oppose Donald Trump you get different treatment, talk a lot about the constitution in your book and the founding of our country, Sean going to be honest, I've been very let down by some of these supreme. Court decisions lately Can you comment on that and the importance to get more people like Kavanagh? Who's actually ruled brilliantly? Unlike John Roberts. I! I'm a little. I don't know what's happening. Roberts I have my theory I guess I have my sources people that. have their own ideas based on some knowledge? For whatever reason and I think this goes back to the obamacare decision. He has allowed. How the court appears to influence his decision making. I also sense with no evidence whatsoever. You're not a big fan of president trump, but that should not come into his thinking. Now. If getting rid of bureaucracy and lowering taxes and energy, independence, and securing our borders, and law and order are all part of this election. Let me tell you another big part of it. And it's you know we're taping this ninety. Whatever days away from the Election Day, I what about and we got asked. What about the Supreme Court? Yes, I go through a whole list I. Forget what paid maybe sixty seven I forget. A. In the book. Of. All the things Democrats would do if they're getting power one, is they? WanNa, stack the courts. Get rid of the Electoral College. And I. What, they're saying they. WanNa do is scary. They used to hide it Charlie. When I every single Liberal Democrat running for office, they would run to the left in the primary. They race back to the center, but you knew they wanted the left. There now openly embracing the most radical elements in the country and you know. Unfortunately we're watching it all. Play out nightly on TV and and that sad what I see happening when I think we have to remind a trump supporters that these are not trump appointed justices, a gorsuch I think ruled incorrectly on one ruling. That's it besides that gorsuch and cavenaugh have been tremendous and terrific verses Roberts. I just think we have to give the audience a sense. Sense of continued conviction that the trump appointed justices will continue to rule correctly and Clarence. Thomas and you know the the Thomas Family. They get no credit at all. I mean what he has done. And can you comment on that? 'cause I, E, you've actually been you open my eyes to that like eight years ago and I never learned about Clarence Thomas as a high schooler until you I mentioned it just as a quick aside on his incredible career. I like to do on TV and antidote on radio, too. Sometimes I call it the Hannity history, lesson 'cause I lived through all of this. I know this is going to see. You're not even thirty three, but my radio journey started in nineteen eighty-seven crazy right. Now on my twenty fifth year of Fox, I didn't think I last two. So I feel very blessed. As a side note if you haven't read my grandfather's son. Which is about Clarence Thomas is life. It's amazing. But. You know it's interesting because him and Scalia. To my opinion, my to most favorite justices in my lifetime. Scalia this incredible wit and genius and understanding and. They got a little acerbic side to when when he was questioning Clarence Thomas always set by quietly. What they called a high tech lynching at the time, the more modern. Let it. You gotTA. Remember Yeah. And you know. It was then Senator Ted Kennedy you know Robert Bork's America the borking of America. That was Clarence Thomas. Now we see it more recently cavenaugh. It exposes. The, who is Joe Biden? Who is his team? Because Clarence Thomas and Justice Scalia or the people we need on that court. We call them constitutionalists or originalists, the original intent, not people that would sight foreign law as liberal justices have done or not people that feel that they can rule by judicial Fiat and dictate or legislate from the bench. Democrats always wanted the court to do that which they could never. Do legislatively or win at the ballot box and that's why they want. We call them. Activists Justices Clarence Thomas. has shown a fidelity to the Constitution at the Antony Scalia. That is beyond enviable And the differences styles always interesting, too because Justice Thomas will always be quiet. That's very few questions. Anthony Scalia was in there in a wrestling with people. I don't know about John Roberts. I can't get into it, but I do believe the next president United States is a very good chance. You have a lot of older justices may want to retire. And I think that the next this election in just three short months. That's on the ballot and that's that's generational now. And Sean I think we have to pressure the Biden campaign to do what trump did and release a list of justices I mean president trump was so transparent and Joe Biden hasn't done it yet. Intentionally, of course, because he'll probably put repeated to lieber something on the United States Supreme Court I mean as horrifying as that might be so in two two quick closing question Sean and thank you for being so generous with your time anchorage, everyone you know. Know go by live, free or die. the first is this. Can you just talk about? We are heading into the election. A lot of trump supporters. They're failed. They're falling victim. They suppression pulse I wish that wasn't the case, but it seems like the memory of two thousand sixteen as faded where people forget. We were down by double digits. Can you just give a little vote of confidence to some of our listeners out there? That think we're just losing. I WANNA. Give the vote of confidence, but I want people to feel this way. I want people to think I'll use a football analogy that our mutual friend Linda that you know. Who's your biggest fan? My radio producer? He's amazing. Amazing, but she doesn't even know how many points you get a touchdown, so I'm giving these football analogies. I, want this election. I want people to feel the way I feel which is. We're on our own twenty. Two minutes to go. We have no time outs We're down by six. We got a cross. The plane marched down the field, cross the plane and hit the extra point to win. So if people feel a sense of genuine urgency and worry and concern, I'm cool with that because fear often as a great motivator, not irrational field fear, but if people do not vote, you will get the government that they're telling you. They're going to give you believe. That that is their agenda. To be a Republican and win. You GotTa always use this analogy got to run the table I gotTA. Get Florida Georgia North Carolina can't win without Ohio. No Republican's ever become president without it right? You got hold Iowa then you got pick off Pennsylvania Wisconsin hopefully Michigan maybe MINNEA- Minnesota will be play. Maybe the city of Arizona will be in play. By Joe Biden reference for those of you. That didn't get. We got a hold Arizona Gopher Nevada New Mexico. New Hampshire and Maine's second congressional district. If every single mom, this is a battle cry. You started out this interview with this. I wrote this book not because I like writing books. My last book I donated every Penny I made to charity I don't care. It's not that. This is a tipping point. Charlie this is I, don't. See if these policies are implemented how America recovers. Irreparable harm the to the rule of law to our courts to our economy, they want to wipe out the lifeblood of of the world's economy. This this promise of socialism and I go into such detail about how it's always failed. Here's a quick socialism of example. Member obamacare. Keep your doctor keep your plan. Save on average twenty five hundred dollars a year per family right? Okay. Millions lost their doctors. Millions lost their plans. We're all paying about two hundred percent more and add to that. Forty percent of Americans almost forty percent have only one obamacare Biden Carriage James Choice now. How did they do with that promise? Medicare is going broke. How did they do it? That promised social security. Charlie hate the break this here. He paying into it. You probably won't get it I. Barely Skate through, and they might give me ten cents until they means tested and then take it back, How does it? How did Liberal government work in New York City with all the anarchy cutting a billion dollars, so please? How's IT WORKING IN CHICAGO? All. These liberal cities have where the violence we've been talking about takes place. They all have one thing in common. They've been run by Liberal Democrats for decades right. Most of these states have been run into the ground by Liberal Democrats for decades. If you WANNA know what America will look like if Biden Bolshevik Bernie. Pelosi Schumer and Bozo. That team gets place look at new. York state and city look at Chicago the City Illinois. The State Look at California. Look at Oregon. Look at Portland, the city. Look at Seattle. Look at the state of Washington. Yes. And I. Love this country too much. You know it's an all hands on deck moment and Every everyone of you've got this connection with younger people in this country. You have this incredible. A credible platform you built, and it's become powerful and meaningful and transformative to the country, and you're going out there, and you're fighting on these college campuses and you. You know it's not easy to be in the middle of a I call it a shift. Show all the time, but let's well put, but you do it. And it's freedom works. Every time you give up freedom for security, you lose your freedom because the security that they're offering. These promises that can never ever be fulfilled. In America. The land. I'll close with this unless you want to go further I can keep going the. Barry Farber who was a mentor of mine. Just recently passed away like ninety ninety one. And he always said there's never been a country in the history of mankind that has accumulated more power and abused at less than the United States well I add. A country in the history of mankind that has accumulated more power abused at less, but used it to advanced human condition. The reason America is great and exceptional. If I can say that today, it's not perfect, but it's great. An exceptional is because of its people, and because of the fundamentals of liberty and freedom. So that? Natural rights versus government or rights, natural rights come from God doubt by our Creator. Life Liberty pursuit of happiness while you can't pursue happiness these days in Chicago New York Moreland Seattle. So there's a lot on the line. I love your audience. I'm so thankful for all you're doing, and you've got a great team that you building review and you're out there fighting the fight and I just urge you guys. Just fight like your country depends on it. Because America's, we know it. It's all hanging in the balance. Yet was Sean. You've been so generous the last quick thing I defend the president all the time personally as a person. Can you comment on that because I've had the opportunity to meet him? not as much as you obviously and get to know him, but a lot of people here misrepresentations in lies about who he is as a human being. Let's close on this note. Can you just mention one or two things that that people can take away from that? You know first of all. It's interesting. Nobody seems to understand Donald trump yet. They don't want to understand. I mean Donald Trump. The Dog Bites the beasts, things you feeling sad or get cancer. You Complain Trump. I mean that's how saying the leftist. But here's a guy that is so unique he this guy is like a soon nami force of energy like I've never met my life. The most distinct and unique quality he's had is as president. You mentioned the Supreme Court. He put those people that he said he put. He cut the bureaucracy as he said he'd caught, and he cut the taxes as he said he'd cut. He did the North Dakota. A keystone pipelines Anwar Likey said he would. He's building the wall or almost four hundred miles. A wall by the by election will be over four hundred miles. He found a way it was. It was an uphill climb He said he wanted to pull us out of foreign conflicts, but not back away from evil defeated. The Caliphate took out. Baghdadi and Associates took out Sola Mani took out the Al. Qaeda leader in Yemen. So? What makes him special and unique in terms of presidency is that he is who you see is who you get. The guy that's fights on twitter is the guy that's fighting for a better trade. Deal the guy that fights. Against Liberal Democrats and the media mob is the same guy is fighting to keep his promises that to me makes him the most unique transformative political figure in our lifetime. And Right now. The. We tip the scales. You have a choice. It's never been a bigger choice. He will keep his promises. Coronas been a little bit of a curve ball to the world, but even that ten days after the first case, the only guy that I know of thought about a travel ban will be donald trump. They were teaching at the time and Joe Binder Biden was call them Sinophobic, so he's a man of his word. He's a man that will fight to his last dying breath for this country and the promises he made, and that makes them in my view very transformative. Men will. The book is live for Your Die God bless you, Sean, thank you for that. You do and we really appreciate. It helps you soon. Thanks bye. What a great conversation that was! Please email me or questions freedom. Charlie Kirk Dot Com freedom at Charlie. KIRK DOT COM please type in trolley. Kirk, show your podcast provider. Hit subscribe, give us a five star reviews screen shot at an email us. If you want to win a signed copy of the Maga- doctrine, please get involved with turning-point USA at Teepee USA dot com that is Teepee USA DOT com. Check out divest you. Dot Com if you want to divest some of. Of your dollars from the sinister backwards malevolent higher education cartel check out our professor watchlist, professor watchlist, dot org professor, watchlist dot Org. We have some incredible new additions that you do not want to miss of radicals that are teaching your children right now to hate. America is professor watchlist dot org email me directly freedom at Charlie Kirk Dot Com your ideas and questions. You want me to ask our guests here on the Charlie Kirk show. Thank you guys so much for listening. So next time God bless.
Apple and Paramount to make a deal for Martin Scorseses next movie
"I'm Kim Masters and this is the Hollywood breakdown joining me as Melanie and Matt. The streaming wars as you know as many people who are listeners know are underway. Hbo Max Coming out onto the field of play this week. A lot of people finding it a little including me a little tricky to figure out how to get that even though as a spectrum customer I should be able to access it but it doesn't show up on my TV. Because I have Roku so it's some people can't find it. Some people like it but we are seeing apple seeming to up its game with some big high profile deals. They are spending money. It's a little reminiscent in some ways of the Netflix strategy. Where we seen them angling for high profile expensive awards movies awards prestige movies apple is now throwing. Its hat into that ring. You know backed by the might the economic might that wealth of Apple. Yeah and this is a big project. Martin Scorsese Film. Sources are saying it's between one seventy five two hundred million dollars depending on who you believe probably will go much higher than that given scores as he's track record. It's got Leonardo DiCaprio. It's called killers of the flower moon. And this is a really really interesting play for Apple. Because you saw Netflix's get a lot of attention for the Irishman last year. Whether it was good or bad you can debate that. But it got them into the Oscar conversation in a meaningful way. They didn't walk away with best picture but they were in the game and apple will likely be in the awards game when this movie eventually comes out. What's interesting here? Is the deal structure. You've done some reporting on that because it was originally paramount. Paramount got cold feet and it ended up at apple after a bidding war. After you know it was shopped around town and this is essentially. What I think is going to happen with a lot of movies. Going forward where they get developed at the studios than the price inches up inches up inches up studios where once upon a time they might have taken a risk on a big movie from a big director are now going to get cold. Feet and income streamers just clarify something about that. Paramount is not out of this game. Scorsese has his deal there and they did release them to shop this around but they own the property the underlying novel and this is a very dark period piece set in Oklahoma in the nineteen twenties. Leo DiCaprio originally was supposed to play a good guy. Paramount was really interested in that version. Then he changed it so that he was playing a kind of a villain character and I am told that paramount felt this is now a less commercial movie with the same budget which point they did say go ahead and shop at around and there was a really long pause and apple did step up but it is still a question of a deal with paramount because it is expected that paramount will at least get some sort of a percentage at pop probably released the film in theaters. Which is what. Scorsese did not get with the Irishman with net flicks so having explained all that. Let me say I would pay money? Actually to see tensor Endo's at Netflix's sit down and explain to me. The cost benefit analysis of having spent which I think was certainly over two hundred billion dollars on the Irishman. Yes they got nominated no they. Didn't you know we? They have all the data. How many people sat through it. Did anybody subscribed because of it. It's a black box for people like us but this is this is something that apple is now saying. We're in it. We're in it in a way that will make Scorsese happy with theatrical release and ironically make paramount happy because paramount will have its name on this movie and we'll probably get a good chunk of some kind of a piece of whatever box office it generates win it can get made because we're all stuck now waiting for protocols and an insurance policies to make filming possible so we will see. I will note. This isn't the only movie they bought. They bought Tom. Hanks's movie Greyhound from Sony for supposedly around seventy million. That movie was done studios will sell as you suggest Matt with movies. That you to bring in cash right now I would say many cases. It is not a great vote of confidence. When you see these deals made in the movie itself but it will be high profile. It is Tom Hanks and for Apple. They obviously decided it was worth
Fort Worth ER doctor who joined fight against Coronavirus pandemic dies in plane crash
"Any we have an update to a story we told you about last week it was for where the ER doctor who died in that plane crash in Burlison care all these Bailey Friday has the update the pilot has been identified as Dr Daniel Scott Petrowski who worked on the front lines fighting corona virus at the fort worth Texas health Hugo emergency room he was issued his private pilot's license a year ago Petrovsky leaves behind a wife and two children a go fund me account has been set up in his name according to the family his life insurance policy had lapsed and he never got a chance to
The future of travel after the coronavirus pandemic
"As more states open for business treasury secretary Steve Mnuchin is predicting the American economy will rebound in the second half of this year from unemployment rates that rival the Great Depression I asked CBS business analyst Jill Slazenger about that and her predictions for the economic outlook for the second half of the year I think that they have to likely get better and you know we just had such a severe and sudden downturn that really shut the entire economy down is starting in March but the think about it you know March April may June let's say those four months will we likely see things improve after that sure I don't think that that's in dispute I think there are two real critical questions one is if they do improve by how much and if they do improve how many more people are going to come off the unemployment rolls and be re employed and that is completely unknowable right now so the future sort of depends on how many of these furloughed and lay off employees how many of those jobs are actually permanent right and and you know if you think about it of course we understand that the sharp tip of this is the airline industry travel and hospitality and of course retail but I think that there are well what economists will call at second order effects knock on effects that their industries that serve those industries and certainly if you were say writing big insurance policies for restaurants you're not going to actually see that business continue and certainly if you are a mall operator on and you have a period of time where this many companies just kind of not just disappear but stopped paying rent and then ultimately there's a bit of a culling of the ranks then that's going to impact it impacted your business so we have millions of people out of work some of whom will be temporarily out of work but many of whom could see these turn into permanent layoffs that CBS business analyst Jill Slazenger
Coronavirus and the impact on airline industry
"Not looking good for Virgin Atlantic. Yes so they announced yes to that. Cutting third of the workforce lots more than three thousand jobs. They've also said that they're going to be exiting Gatwick. Which has been its London base for thirty five years? They are still maintaining that base up in Manchester And this company had already actually been struggling with profitability for several years. So it's perhaps not surprising that they're really facing issues now. The government refused to Baylor saying that I haven't looked hard enough. Other investors elsewhere in the line is basically said that it's now fighting for its survival and that more measures might have to be introduced in the coming months and years and I think the story shows a few things it really shows that the week affirms a feeling the effects fast in an industry aviation industry which is struggling as a whole. And then there's also the knock on effect on airports Gatwick received a COUPLA recently. Be a Saturday causing flights out of their needs. Airports really depend on airlines for these lucrative slots so this is going to be a big problem to several people up and down the chain but there is good news for Wizar- Yes a Wiza- which is one of the airlines which has proved surprisingly buoyant. They managed to keep a large amount of cash surplus which has helped to tide them over during this crisis. And they're actually already. They've already resumed. Flights from Luton to some eastern European countries mainly bringing the seasonal farmworkers for example they brought over about hundred people lost Friday and they will announce that they're going to be resuming flights to Greece and Portugal from around June July to start tentatively taking holidaymakers abroad. They said that they will stop obviously wearing gloves. And now handout mosques to people that they haven't said that they'll be keeping that middle aisle seat free If if there is enough demand to finit they said that there just isn't evidence that that will reduce the risk of Jumps being spread. I mean we're seeing lots of airlines for instance. Klm saying that That they will be saying that. Mosque wearing is absolutely mandatory. But it's hard to see Without that middle seat being taken out how social distance thing. An and virus control can happen on aeroplanes effectively. Yeah I completely agree I mean on one hand. You are just got your. You have people in fairly close quarters in an airplane. The airplanes not going to be redesigned overnight people all within a mutual two of each other. Anyway I think a lot of it will center around. Different cleaning. Practices was the not going to have the magazine. For example so fewer and fewer touch points for people to transmit things and regular cleaning processes and staff updated on those sort of procedures Right well with the with airlines ca beginning to fly again. Airbnb is seeing some light at the end of the tunnel. Tell us more about that. Yes this is an interesting one because AIRBNB They started out their financials. And it's not looking great actually for the company that cussing about twenty five percent of the workforce and their revenues predicted to hard this year. So that's sir drop of about two billion. And but they have said that they they're starting to see a tends to rise in domestic booking so obviously international travel is still looking shaky and wizards one of the few people and Kalamazoo said to start offering this flights but in places like Denmark and the Netherlands. For example people are starting to look into kings and make bookings to travel and holiday within their own country. And I think this ties in with a trend that we're going to be seeing a lot sort of rise of the staycationing this year as people pass aren't quite sure if they're ready to get on a flight or take an international holiday but they do still want to have a break they do still want to get away from from home so this this works with something that airbnb has already been seeing in China which is obviously ahead of the curve a bit from Europe where people are starting to travel domestically and take holidays within the country. Those name quite a little publicity around the fact that there are very cheap. Airfares out there at the moment. And also very cheap hotel bookings But it comes down to what the insurance policy is because we can book holidays abroad or indeed at home But we may very well may have to cancel them exactly. I think there's still so much uncertainty for people you know. I think people are desperate for holiday. It's been it's been really difficult. Few months vote for Europeans and for people all over the world. But it's just not clear whether for example be another spike in cases in your home country or the country where you're going to whether there's lockdown measures will change we'll more travel bans be brought in so. I think people are still waiting to see how things pan out in the next few months.
"insurance policy" Discussed on The Science Show
"That's where PhD student. Rose Upton is working on those frogs worried about as numbers decline kindred a fungus is the problem and she's using sperm to build a bank to preserve the population of tree frogs survey project specifically works on Sperm cryopreservation. And then we elect to use the cryopreserved sperm in an IBM system to create little baby. Frogs acquire you mean kept cold yes liquid nitrogen cold which is minus one hundred ninety six degrees Celsius and he doesn't harm the sperm. Well we use a cry protective media. which part of my project looks to optimize? So we vary it slightly. Leon H new experiments so that we can try and kate the sperm alive when we phrase it and then when we saw it out it still myrtle so we have very success breath that if you can get up to thirty percent or fifty percent motel sperm than we can federal estimates with that so it's true. Some people were saying that the green being tree frog which is unbelievably famous. In fact my daughter had one. She called Jackson author Michael Jackson and we see fewer and fewer in Sydney. Yeah there Arafura round. The susceptibility varies from species to species but the locally endangered species the green and Golden Bell. Frog Oratory Oreo is the species that we focus on. You know lab and I've been able to cry preserve its sperm and throw it out and then fertilize some eggs. And then there's eggs grew you. And he became a tadpole in the tadpoles grew and then we have adult frogs. So you know the system works. Yes when you've done that for one species what what are the chances you're doing. Hundreds of species say the reproductive biology varies across the different species of frog in Ustralia but for the similar tree frogs Doug such as the local dwarfs edge rogue literary Phalanx. We've been successful in doing in that species as well and I don't see any other reason that we couldn't do it in a bunch of other similar nor spacey's why particularly tree frogs because there's lots of them there's common species that we can work with and then we can apply knowledge from that into the endangered species. The Golden Gopher Ahmad about the kid. I understood for the first time quite recently that there are different sorts of kindred yeah there are a survey recently tracked. The origin of the kitchen disease from Korea will places but there's Kitschy mycosis that affects our frogs. And and then most recently they found Basal which is kitschy. Do mycosis for Salamanders and there's also different strains within different localities of the disease presumably early in some other parts of the world. They do have resistance to they. I think some species as I mentioned even here in Australia have resistance. The differences ince's between the disease resistance main that some species can carry the disease without succumbing to it which can be problematic as well because it can spread the disease to other folks in the environment such as the greening goal bill. You're less likely to have a problem. In hot climates. Because the disease doesn't make the whole environment talking about heart your nicely Geared up I really admire your top which has got tadpoles and Scott Exits got all sorts of illustrate. Did you get that ready Major. Did you make it yourself now. A friend of mine bought it for me from the National Fist Willing camera because she knew that it was so close to my research and especially today she inspires me to ask. How do you you get sperm from a frog so l.? Lab is working on a hormonal technique. Where we can inject the frog with homer and they release that AH sperm in urine? We call that you're INEXP- because they only have one excretory tract and they it all comes out the clicker at the end. Yeah it's a far more officiant system. Isn't it so the spur must be resistant to the effect of urine firm is really interesting because it can become myrtle Hypo modique environment. So when it's released into the urine and into the point becomes tile. We've sort of used that knowledge to inform perform some of our CRI- Protective Media's recently I've been varying the concentration of sucrose in the media and using hyper was monarch or a low concentration concentration of sugar as low as one percent can help cryopreserved the sperm better. I love the word Hypo motic. I used it for years. But meaning lower osmosis effect. Yes not to be confused with hyper well I hope you really say thou frogs because September wired about them everyone loves them and other methods other than yours going on. That's one of the things I love about. My project is that can spend time in the lab and in the field but other papal doing monitoring of different environments and. There's a lot of really cool with on salt concentrations within the water so by raising salinity of upon conned by just a small amount. Then you can decrease the prevalence of kit should in that environment. So the fungus doesn't spread. Correct Rose Upton undoing her P._H._d.. At the University of Newcastle Saving Out Precious Tree Frogs we hope..
"insurance policy" Discussed on Dentist Money
"The insurance company has to account for the cost of you being seventy four years old. So if they're not collecting money like just keep in mind that you're you're five hundred thousand dollars sitting there. There's some cost that they have to account for and in a brokerage account. That's not the case there is no inherent cost of having five hundred thousand dollars in a brokerage account in a life insurance policy and asset just sitting there could cover the covered if you wanted to you can. Yeah. It's much simpler as more. Yeah. I guess it's getting in the in the ledgers policy. The point want to highlight is you really don't have something that's cost-free ever. And so if you start barring a lot of money against that. And the difference between what your cash value is. And what your loan is become really close, and they're still cost which there is. You know, you gotta steal. You're going to have to be feeding it. Yeah. It's kind of like if you know if you had a how? House that was worth five hundred thousand and you got a home equity line against it for four hundred and change and the interest rate on that home equity line was higher or at close to what the rate of the of the property was worth. And you you have a repair, you know, you've got some property tax. You've got some maintenance you'd have some how going. Yeah. You can't just let it you. Can't just be like, oh, it's fine or might sell it and pay it off. I don't want to do it anymore. Yeah. You could sell the house, and you could sell the policy, but you have to make more extreme changes are harder. You have to make an extreme change you out to either say, I'm done with this policy, or I'm going to get rid of my death benefit, and, you know, not have as much I'm gonna try to cut the policy down. They will create a taxable event yet. Right. It's a it is Martin how much I guess it's a point are listed five takeaways here out of these things one take away number one would be. If you want the borrowing capabilities off of an investment, do it on your own terms. Do it inside of a brokerage account.
"insurance policy" Discussed on Superinvestors and the Art of Worldly Wisdom
"Makes gold a necessary part of a diversified portfolio and what what does this specifically that makes it a valuable as insurance policy well i mean first of all let let's just step back in and take a look at what with you can't you can't come up with the idea of insurance without understanding the risk is i mean it's like the solution cannot be it cannot be discussed without discussing the problem right because the the solution is informed by the problem not the other way around so everybody's very focused on gold they say they don't understand the goal that they don't believe in gold but to me it's this discussions completely not about gold at all it's really about what what are the risks and if you don't understand the risks then you start thinking is to what are the ways to ameliorate those risks and that's when you stumble on something gold so i sort of so i think that any discussion of goal at least from the way i'm looking at it yes of course there are people are motionless attached to their people who are called gold bugs who have philosophical strong philosophical ideas about how gold should be money and legal tender laws and all things like that but that's not what this is about for me i mean yes some of that makes sense doesn't make sense but with does with with the way i got there is by looking at the financial system by the the risks of the financial assets.
"insurance policy" Discussed on Superinvestors and the Art of Worldly Wisdom
"No perfect and so you were looking for basically an insurance policy against risk in financial assets is that it and so you can't cross gold right i mean you know when people say insurance policy i mean most people buying shirts by you know they they see the ad in the paper and says called gyco and we'll say fifteen percent more and so they call and they buy this policy they don't really know what it says and vast majority of the people at least mike spurious have never read their insurance policy so they don't really know what's covered right and they find out what's covered is when you know when the actual event the kerr's then they go into the policy then sometimes it turns out that it just so happens that that particular thing was not coward so so when you understand insurance i mean you really have to understand what what risks you're trying to ensure and whether whatever it is you're doing however it is you're doing what you're doing actually protects against those risks that's what i want to ask you that it's it's funny to me that you bring up gyco because we just had the berkshire hathaway you know annual meeting and what is it forty fifty thousand people flock to listen to warren buffett talk about you know these businesses and others but you know he's famously while he's a very successful in the insurance was very famously said you know he doesn't see gold is that insurance policy what what in your view.
"insurance policy" Discussed on KARN 102.9
"The and insurance policy and insurance policy for what people than speculate what does that mean insurance policy well and insurance policy case trump wins i mean it's possible so here we have all of this going on as perhaps the insurance policy for if trump wins and now we're watching the insurance policy we have been watching for over a year being implemented the insurance policy is the investigation the insurance policy as the fis a warrant secured with the use of the dossier the dossiers in the news each and every day trump is now suing trump's warriors are sowing buzzfeed for what defamation for publishing the thing and that was another buzzfeed publish this thing and they admitted when they published it that they couldn't corroborate anything that none of it was verified but it was so important that you the american people had enough so we will be keeping a sharp eye on this is i'm telling you one more time i try not to be at your repetitive but if indeed in is ever documented that all of this in that dossier was used to secure a warrant by the obama administration the obama doj the obama intelligence communities to spy to survey veil the trump campaign and transition team then man richard nixon becomes a choirboy this is absolutely huge and this is going to have people running for the hills and quaking in their boots so a couple of house keeping things.
"insurance policy" Discussed on WPRO 630AM
"We've got to do something so i have a plan b this morning guy default who works with you know within the democratic party is working with the pawsox said bell we weren't really serious about that that was never really a plan b we just wanted to make a point we wanted to use it as a tool the heck is going on here oh you know what i think if if that's the case i didn't hear about the guy to full comic this morning and said it was a learning tool so why are we being duped here is us empty going on what's your gut feeling hurt if if that's the case of he's working with the with maghribi at on this on this proposal this is the first that i've heard his name come up at a long time you know that would concerned me but let me just go back to what the may i propose with the may i propose was taking the responsibility of this whole financial commitment on the backs of the city of pawtucket now i am not in favour of putting taxpayer dollars and this is in quotes at risk but if the city of put talk you want it to assume this tax would i would suggest that they do assume the debt force them to buy insurance policy that were if for some reason it goes bad it's only the city of pawtucket who is going to take the it on it uh but the insurance policy steps either pays off the uh the bondholders if that were to happen that would not put tuktuks stay uh taxpayer dollars at risk i think the proposal is a good proposal i think we don't we've had no leadership from anybody is this state uh th th it's in a position of leadership to step in and get the job done and i know i heard you say that you don't like certain things that we've done we've built pacificsanta we built the convention center it all these things should we should have tax to pay a dollars at risk there were certain things that are state needs in order to have credibility as a state and if we didn't have the convention center we wouldn't be able to bring into these these these big events over the years did bring in the millions and millions of dollars to i won't go businesses in our local economy.
"insurance policy" Discussed on KDWN 720AM
"The longterm care typical insurance policy uh you you pay a premium for a basket of benefits and if you need care they pay and if you don't they they threw his company guess to keep your money what we've done is we created a product if you will and investment opportunity eric vestment is a is a wrong word because investments can't counter tate so you can lose money ask and higher reward and uh in the case of the insurance industry uh at least in this segment of it we're not talking about risk we're talking about setting up a plan whereby a specific amount of money is going to be available uh to to you to pay for care um based on the amount of money that you put in to the to the contract that you can get back can i will explain that a it in a minute but imagine imagine a contract that says you give us some money will you decide how much we'll tell you how much more we will pay you tax free if you need longterm care and if you don't need longterm care and you pass away you you you know you dodged the bullet if you will that money we would have pager for longterm care will pay it to your kids so that it you don't have to make a decision of whether or not whether you're going to you know your health is going to fail or you're going to be one of the two out of three that happens to need care more likely you'll be the the one hundred three that does good b and you haven't wasted that wasted that money abide by a traditional insurance contract it's they.
"insurance policy" Discussed on Clark Howard Show
"And i understand there are some legal um uh pitfalls with that and i'm wondering what you with advice i'm not aware of any legal pitfalls with that because you have an insurable need and if you and own the policy there's no tax that would be do be insurable need is that uh if you are the ones that would be named in her will as the ones who would raise her minor children then that is completely normal the you would have the money from the insurance policy to provide for the care for the two kits where i'm trying to follow wedding in place first a will a will would make sense i mean you might find and ensure that says well you described the situation they would automatically consider that to be an insurable need i so i are i think you're okay with that what was the legal issue that had you concern well i i was reading online that there were uh it was told that it was inherent fraud to pick out a life insurance policy on another person for which you would bear no potential financial responsibility if that person passes away opening of a uterus that's why what is the first thing i said insurable neat ride there is a clear insurable neat and yeah i mean the insurance company might say hey we need to see and the will where you're the one raising the grandchildren right and so that might require that she do a simple will that would state that but are what you're thinking of doing is fine net one thing about buying level term insurance is is she really healthy.
"insurance policy" Discussed on Absolute Advantage
"What can i do right now right so i hate using technical jargon i don't wanna put people to sleep iced i tell people number one cybersecurity risk in our country is the nerds inability to talk business right so act i'm gonna use a an example of what we're gonna talk about infection but bypass surgery right we were losing a lot of patience when doctors use to cut people open with dirty hands and live the solution was all they had to do was washed their hands so that's how simple whis is about to be a ready ratty lay it on day all right so let's pretend that you're already gun germs on a you've already been infected need two things you need really good backups in place and i'm not talking like a jump drive or you're using drop box i'm talking about a service that you're paying a couple of bucks a month for where there's an adult on the other side of that service that's making sure your data gets back up and when something goes wrong they help you get it back to where it needs to be right that doesn't have to be expensive the second sang and remember everything's gone wrong and the just been hacked and everyone's berry emotional and you don't even know who to call well you do if you happen to purchase in cybersecurity insurance policy now don't just get any cybersecurity insurance policy 'cause you're goal here is not to get a million dollar check because you've been hacked because you're trying to get back to business and service your customers what you really want is a cybersecurity insurance policy that comes with something called a disaster recovery team and these are very smart people you've got a lawyer who knows what to do you got a pr person who can help you communicate with their customers you got ethical hackers who come in and help you figure out what happened and how to get back on your feet and so between having backups and a good cybersecurity insurance policy you can recover from a wad of breaches particularly ransomware um that's the best thing you can do says re restore from backup and uh but maybe you're like.
"insurance policy" Discussed on News 104.5 WOKV
"Get that a lot well no you'll if you're vested uh your retirement benefit will still be there and uh will grow as the plan assets do over time unless they are locked they lock them in and say this is your benefit at whatever age sixty two or however they have it set up so when you do tired of paying i get their written document well they'll they'll give them an explanation of benefits okay understand why are other question i love my neighbor with telling me that she was going to buy an insurance policy or a new grandchild's and if insurance policy has a crash uh build up so that when the child went 23 or something yeah tell her on money out of it the life insurance look i would thank you sir these are there are a lot of fees new idi they're talking goblins life or it could be a universal anybody buddy yeah asked go loomed insurance for newborn let me life insurance thinking that because of the call the value thing goes save thing goes save in something without the insurance skill put it in education savings account or just a regular bank account and don't pay for the insurance okay but.
"insurance policy" Discussed on BizTalk Radio
"Die life insurance policy that takes care of a legacy so what you do is you sit down with your spouse and he say okay what do we want to leave what are we going to have leftovers her based on the conservative assumptions that similar to the ones that i just use and then if you're healthy enough to purchase a second death insurance policy that's one that pays off after the second of you die because you don't need to leave the legacy while one is still alive it's when you're both gone and you're right down your charitha charitable bequest and all that stuff you do the math and then you take care of it now the next goal is liquidity how much liquidity will you need and what's the best way to address that you've heard gene past tula lynn roe and others on this program talk about having ensured life insurance policies that have cash value in them you've seen articles if you follow this stuff as i have written by dr wade fowley genius when it comes to retirement income planning worries discussed the utilization of actuarial science in the parliament planning arena and he's had if you can believe this despite what you hear from the media and the financial press permanent life insurance policies i would contend those that you can tap into for long term healthcare as well because you solve that problem through but now bank can be your second to die insurance policy and or your long term care insurance policy and door your.
"insurance policy" Discussed on Radical Personal Finance
"When i i'm originally from india and in india needed a big hole life insurance market with life insurance corporation we keep backed by governmental india security heard very solid i do have a substantial amount of uh different type of whole life insurance policy bad which i do contribute i'm on a heck india and up to clear they heard no cash rally with uh my main come from we do our uh i'm very uh with with financial late and being tighten up when i got it uh nobody were cracking what happened and how it goes can i was not aware of that but with increasing find out hope crew teeny and i know how whole life insurance that faibeaux he works where here i need some dive action to find out on her about uh how do i need to report did he probably do need to report all life insurance policy idea look up by out website initially fade while your all your horta unaccounted have collect you up ten thousand dollars or more including earned derail your hair care whole life while if needs to be deported that i'm knocking that territory but i would be data in a year or two and i tried to walk around here in town to fee if any particular ppa would herro background dealing with something like this fan it i ended up everybody off affair fairway but they don't necessarily have background our expertise that would make me feel comfortable with that i'm unfair so any uh i dunno fuad allred or if you have any direction that i can find appropriate resort up due in court to do with it.
"insurance policy" Discussed on Radical Personal Finance
"In an often doesn't work longterm now it can be a way of providing a family with the equivalent in some cases of an extended term life insurance policy with options but it's so complicated that is very hard for me in my experience to believe that the average person with a basic working knowledge of insurance would be able to successfully by one and get all the benefits of it i much prefer the simplicity of term life insurance the second problem with universal life insurance is what is it invested in and if the policy is a variable universal life contract which it frequently is then all of a sudden now we have to factor on the risk factors of stock and equities markets and the risk factors of an insurance product and it just becomes very complicated it does have a place but i don't like it for young couples who just need simple insurance planning so i'm very nervous about you pursuing a universal life insurance contract as the basis for in any written any guy i like the simplicity of term life insurance with me so far okay okay now you need a lot of term life insurance and you wife needs a lotta term life insurance chances are on think about your assets but your age i don't see any reason for you not to have double or double and a half the amount of term life insurance coverage that you have not received any reason for you not for your wife not to have a million dollars of insurance coverage for her term life insurance is so cheap.
"insurance policy" Discussed on KTTH 770AM
"To get its own insurance policy and and i agree except if you have three hundred and fifty million as opposed to even a group is a million over all core is what were because there's less can't of incidental okay here's the prop here's the problem with what you're saying troy there of those three hundred fifty million that you're now green to ensure are some people won't be able to pay anything at all right correct agree okay so again if people are going to get a guarantee of insurance whether they pay or not do you really think everybody just because of conscience has been a sam going to pay uh i don't think you i think it would be that up but you don't have a choice in addition to that for one study that you show in and on completely waking up number but i think you'll understand my my point is where they're saying there's going to be a huge shortfall right now today exxon fan five 100milliondollar wait wait wait the point is that there is no in bernie sanders bill he doesn't really have anything about where all this increased money is going to come from eight you will admit that even though you could bring down the cost of insurance per individual by increasing the pool hugely if if you increase the pool a few double the pool you're not going to cut the cost in have you bring a down somewhat where's the extra money going to come from who is willing to pay for it and that is the million actually trillion dollar question we'll be right back is basically inside the michael medved.
"insurance policy" Discussed on Radical Personal Finance
"Keep it as a small portion of your net worth as small as possible the problem of we have is this is not always practical you can't always practically work this out just like you'd want to of course we all love to be able to rent cheap houses and and buy cheap houses but it's not always practical if you live in houston texas he may not be able to find cheap house to live in and so just simply be due to the lack of availability lack of supply of homes it's frequent that you might wind up with more house and more equity than you would love and the other problem this compound is even if you're actual equity in your house isn't a huge you're still probably on the balance for mortgage in your mortgage company it's gonna require very intelligently a significant insurance policy so when you're considering these things you need to carefully calculate for yourself the actual risks and what you can handle look at your finances at center if you don't have a lot of money if you find yourself in a situation where you have a lot of house and don't have a lot of money but a by a lot of insurance if you find yourself in a situation we have a lot of money and not so much house you could probably forego some of the insurance the premiums are going to make a big difference for you and i would i looked at flood insurance when i previously owned a house it looked at flood insurance a calculated the premiums sat down and thought okay if my house were flooded three feet up the walls which is very unlikely in where i lived in luna flood plain at cetera miles with flooded three feet of the walls what would be the cost on around tabulated everything on the way you deal with the stuff after the flood as you base could get in there as quickly as you possibly can take everything out of the walls down to the studs uh the do that in order to help with mold mitigation so the disaster relief looks pace gilayev crowds of people come in cut all the drywall above the flood the flood line that the highwater line.
"insurance policy" Discussed on Clark Howard Show
"And you can't say okay if your health is such the you're you're uninsurable for a life insurance policy that you would wanna get then it's junk insurance but at least you have insurance that would make sure you're survivors didn't have to worry about paying mortgage but you're gonna have a bubble might ask him i am a whole years old while you know it or not fair with ghanem exclude in an it may or may not and the only way you know in what it may do as not exclude you but it may cause you to be raided which means you're charged to higher premium for having your own insurance than you would otherwise balch but you you as your first option always you wanna have your own insurance by the way to everything go okay with that bypass seoul that by now as great and you know the bypasses are so common now that i don't know that that is a factor that would eliminate you from being covered by insurance okay so getting a quote on having generally what you want is what's known as a term life insurance policy how many years he of left on is it specifically for the mortgage or is it to provide for the wellbeing of a family member well what i have your own mojo if faithful children by way of red like them have vr vr vr gone someplace foyer of will that in you're you're such a good man to do that so who is gonna take care of these disabled children when you're no longer with us for order daughter i so what i would tend to recommend is that you would want to have your older daughter take out a policy on your life.
"insurance policy" Discussed on Clark Howard Show
"Very now if they are very strong almost 100 of the time there may occasionally be an exception booby very rare your best off taking an allowance from them which is what i call a pension where they send you a check every month for the rest of your life rather than taking a lump sum it is almost mathematically impossible for you to generate more income out of a lump sum then they will generate for you every month with a check that just comes automatically okay now as far as protecting a second to die there is a strategy where you can keep your check higher and in return for having a life insurance policy on yourself the second to die would receive that instead of receiving half of your pension for the rest of her life okay but taking the taking the check all lump sum almost never works out okay has to be an extremely rare situation and unfortunately in the financial advice business you're going to be encouraged to take the lump sum so that then whoever it is who's advise you to do that can then make money managing it for you but it's for more dollars and cents efficient to just let them rachel that check twelve times a year all right so from what i get is to look at the end x funds that's going to be my best 400 100 to build that long term wealth and you need to have enough money that netting out the pension benefit you'd get that you can make what you need to live on from three percent of the amount of money you've saved.