10 Burst results for "Joel Clark Robert"

"joel clark robert" Discussed on Clark Howard Show

Clark Howard Show

03:08 min | 1 year ago

"joel clark robert" Discussed on Clark Howard Show

"And so voting should not be particularly for a non presidential general election. It shouldn't take multiple hours to vote because the MO percent turn out in these things, so it was just a complete mess up. A lot of states and jurisdictions around the country are not ready for the elections this year, and we need to make sure that people have the ability to express their constitutional right, and so I am going to again. over experience file for another absentee ballot and see if it comes this time. Joel. Clark Robert says not a stink just to a cringe. When you push target date funds for retirement over the years, a fund with bonds, and it will underperform the S. and P.. Five hundred most retirees will have social security, which is a super bond for safety and indexed for inflation that will be their bonds I've been retired for over thirty years I've no bonds in my. Investment Account. I appreciate your post very much. The reality is that most people who have money in a 401k a roth. IRA psychologically can't handle. Extreme short term losses, so you balance out a portfolio to reduce the volatility of the overall money in an account, you know there's a big area of economics now called behavioral. Economics that looks at not what like you're looking at it? From one hundred percent rational viewpoint, but that's not how most of us are wired, and that's why it's important and target date retirement funds that they do become more conservative as people approach retirement so that you. You reduce the level of freak out in a market decline. Close to that target date I wanted to tell you how much I appreciate you. Taking the time to post on Clark stinks because it really helps me to see how I'm communicating ineffectively or where I'm giving an incomplete, not giving the level of information I should please when I disappoint. You take the time to go to Clark Dot Com. Slash Clark stinks and let me know. Well knows with us on the Clark Howard Show Hi Wilma. High Clark. How are you? I'm so happy to be able to speak with you. Thank you well most wonderful having you here. Well, thank you I always tell my family members specifically that they should listen to to your podcast because you great, give some great advice and I appreciate that think you. So my question I am sixty three and I'm currently still working. And I do have a military pension. Will and your service star country? Which branch were you? Army. Will. Thank you for that. Well, thank you I. Am thank you because I know that..

IRA Clark Dot Com Clark Howard Clark Robert Slash Clark High Clark Clark Joel Army
"joel clark robert" Discussed on WSB-AM

WSB-AM

06:36 min | 1 year ago

"joel clark robert" Discussed on WSB-AM

"You look for for a fifty edge and remember the brand name does not matter good data shows did these T. V.'s are so reliable and the pictures so good one to another save your money Kim Victoria in North Carolina says hi Clark my husband and I have had a rental properties since two thousand and eight and now because my husband is close to retirement were deciding to sell it we have no idea what kind of taxes we're going to pay is it going to be added to our joint income and do they count anything for depreciation for all these years yes so if you've been depreciating the property over the years you probably had money that has been held back because you're limited how much of the depreciation you can claim each year that depreciation will ultimately offset some of the games that you have since you have carry forwards and this is something that you report the gain on the property where you take what you paid for it originally you have the depreciation then what you sell it for net of selling expenses and when you sell an investment property it is my belief that this is a time that you don't do your own tax return that when you're selling a property it's when it's ultra valuable for you to use either an enrolled agent that someone who is registered as a tax expert with the IRS or that you use a CPA who does tax to do your return for you so that you properly report that rental property I had it one time I had five rental properties now I'm down to one and as I've sold each of those over the last few years I can tell you the tax computations have been amazingly complicated and that's why using a tax expert this time if not others would be very valuable to you Joel Clark Roberts says we hear a lot of ads on the radio about fraudsters stealing our home title or and then home equity you recommend getting title monitoring service and then how can we prevent this from happening in general so great question it's one of those things that the market places put in people's minds the reality is and we surveyed five real estate Moyer's independently of each other on whether or not they recommended that people buy this kind of title protection coverage and it was unanimous nine recommended it now the good news this is a very rare crime and now more more counties down the country have a procedure where you can register your property for notification of any action against the title and these are free services in counties around the country because they don't want to stand idly by while title fraud might take place so it's possible something goofy could happen with somebody trying to steal equity in your property but it is very very rare and one thing that was pointed out by two with the real estate lawyers is even if you had some kind of monitoring service the reality is that many times they would only be telling you about something that already happened rather than preventing a crime from taking place Kim Sam in Massachusetts says what is the best strategy for a husband and wife to do wills so that they don't conflict with each other in the event that we were to both die at the same time whose wishes will be honored for care of the children if there's inconsistencies or conflicts in each other's wealth that is a phenomenal question and it is really important that the two of you talk to the story depending on state law in many states if a couple dies thirty one days apart what the instructions are in the second person's well for raising the children becomes the superior document however it becomes really a messy situation if a couple dies simultaneously and each will has different instructions for who you'd like to have raising the children so what I recommend is if it's at all possible to have a meeting of the minds on who would be raising their children and die it seems like that's a conversation that needs to involve a compromise potentially on the part of both of you and the compromise would be is that you really talk through who would be first in line and who would be second in line and see if you can come up with an agreement on that it the good news is it's a very rare occurrence they had both people in a couple would die simultaneously that is a very unusual circumstance usually involving a tragic accident and it is thank goodness a rare thing the alternative is if it's something you can't come to an agreement on go sit down with the warrior who does wills estates and trusts and see if you can come up to a procedure the warrior develops that will see that as best as possible both of your wishes are met in some way that you can both be comfortable with you're listening to the Clark Howard show ten twenty in the core rate your W. S. B. twenty four hour traffic.

"joel clark robert" Discussed on News 96.5 WDBO

News 96.5 WDBO

06:36 min | 1 year ago

"joel clark robert" Discussed on News 96.5 WDBO

"One two hundred the reason TV prices are up some because people are spending a lot more time at home and they've been buying more TV's right figure at the two hundred dollar price point is about what you look for for a fifty edge and remember the brand name does not matter good data shows did these TV's are so reliable and the pictures so good one to another save your money yeah Victoria in North Carolina says hi Clark my husband and I have had a rental properties since two thousand and eight and now because my husband is close to retirement we're deciding to sell it we have no idea what kind of taxes we're going to pay is it going to be added to our joint income and do they count anything for depreciation for all these years yes so if you've been depreciating the property over the years you probably had money that has been held back because you're limited how much of the depreciation you can claim each year that depreciation will ultimately offset some of the games that you have said you have carry forwards and this is something that you report the gain on the property where you take what you paid for it originally you have the depreciation then what you sell it for net of selling expenses and when you sell an investment property it is my belief that this is a time that you don't do your own tax return that when you're selling a property it's when it's ultra valuable for you to use either an enrolled agent that someone who is registered as a tax expert with the IRS or that you use a CPA who does tax to do your return for you so that you properly report that rental property I had it one time I had five rental properties now I'm down to one and it is I've sold each of those over the last few years I can tell you the tax computations have been amazingly complicated and that's why using a tax expert this time if not others would be very valuable to you Joel Clark Roberts says we hear a lot of ads on the radio about fraudsters stealing our home title or and then home equity you recommend getting title monitoring service and then how can we prevent this from happening in general so great question it's one of those things that the market places put in people's minds their reality is and we surveyed five real estate Moyer's independently of each other on whether or not they recommended that people buy this kind of title protection coverage and it was unanimous nine recommended it now the good news this is a very rare crime now more more counties down the country have a procedure where you can register your property for notification of any action against the title and these are free services in counties around the country because they don't want to stand idly by while title fraud might take place so it's possible something goofy could happen with somebody trying to steal equity in your property but it is very very rare and one thing that was pointed out by two with the real estate lawyers is even if you had some kind of monitoring service the reality is that many times they would only be telling you about something that already happened rather than preventing a crime from taking place Kim I'm in Massachusetts says what is the best strategy for a husband and wife to do wills so that they don't conflict with each other in the event that we were to both die at the same time whose wishes will be honored for care of the children if there's inconsistencies or conflicts in each other's wealth that is a phenomenal question and it is really important that the two of you talk to the story depending on state law in many states if a couple dies thirty one days apart what the instructions are in the second person's well for raising the children becomes the superior document however it becomes really a messy situation if a couple dies simultaneously and each will has different instructions for who you'd like to have raising the children so what I recommend is if it's at all possible to have a meeting of the minds on who would be raising their children and died it seems like that's a conversation that needs to involve a compromise potentially on the part of both of you and the compromise would be is that you really talk through who would be first in line and who would be second in line and see if you can come up with an agreement on that it the good news is it's a very rare occurrence they had both people in a couple would die simultaneously that is a very unusual circumstance usually involving a tragic accident and it is thank goodness a rare thing the alternative is if it's something you can't come to an agreement on go sit down with the warrior who does wills estates and trusts and see if you can come up to a procedure the warrior develops that will see that as best as possible both of your wishes are met in some way that you can both be comfortable with you're listening to the Clark Howard show.

"joel clark robert" Discussed on Clark Howard Show

Clark Howard Show

02:51 min | 1 year ago

"joel clark robert" Discussed on Clark Howard Show

"The reason TV prices are up some because people are spending a lot more time at home and they've been buying more. Tv's and I'm looking a lot of TV's are actually out of stock right now because people have been buying so many but figure the two hundred dollar price point is about what you look for for a fifty inch and remember. The brand name does not matter. The data shows that these. Tv's are so reliable and the pictures so good one to another save your money. Kim Victoria in North Carolina. Says Hi Clark. My husband and I have had a rental property since two thousand and eight and now because my husband is close to retirement or deciding to sell it we have no idea what kind of taxes GONNA pay. Is it going to be added to our joint incomes? And do they count anything for depreciation for all these years? Yes so if you've been depreciating the property over the years you probably had money that has been Held back because you're limited. How much of the depreciation you can claim each year. That depreciation will ultimately offset Some of the game that you have since you have carry-forwards and this is something that you report the gain on the property where you take what you paid for it. Originally you have the depreciation than what you sell it for net of selling expenses and when you sell an investment property is my belief that this is a time that you don't do your own tax return that when you're selling a property it's when it's all tra- valuable for us either an enrolled agent that someone who is registered as a tax expert with the irs or that you use a CPA udeze tax to do your return for you so that you properly report that rental property I had at one time I had five rental properties now down to one and as I've sold each of those over the last few years I can tell you. The tax computations have been amazingly complicated. And that's why using a tax expert this time if not others would be very valuable to you. Joel Clark Robert says we hear a lot of ads on the radio about fraudsters stealing our home title or and then home equity do you.

Joel Clark Robert Hi Clark Kim Victoria irs North Carolina
"joel clark robert" Discussed on WSB-AM

WSB-AM

06:54 min | 1 year ago

"joel clark robert" Discussed on WSB-AM

"You look for for a fifty edge and remember the brand name does not matter good data shows these T. V.'s are so reliable and the pictures so good one to another save your money Kim Victoria in North Carolina says hi Clark my husband and I have had a rental properties since two thousand and eight and now because my husband is close to retirement were deciding to salad we have no idea what kind of taxes were gonna pay is it going to be added to our joint income and do they count anything for depreciation for all these years yes so if you've been depreciating the property over the years you probably had money that has been held back because you're limited how much of the depreciation you can claim each year that depreciation will ultimately offset some of the games that you have since you have carry forwards and this is something that you report the gain on the property where you take what you paid for it originally you have the depreciation then what you sell it for net of selling expenses and when you sell an investment property it is my belief that this is a time that you don't do your own tax return that when you're selling a property it's when it's ultra valuable for you to use either an enrolled agent that someone who is registered as a tax expert with the IRS or that you use a CPA who does tax to do your return for you so that you properly report that rental property I had it one time I had five rental properties now I'm down to one and it is I've sold each of those over the last few years I can tell you the tax computations have been amazingly complicated and that's why using a tax expert this time if not others would be very valuable to you Joel Clark Roberts says we hear a lot of ads on the radio about fraudsters stealing our home title or and then home equity you recommend getting title monitoring service and then how can we prevent this from happening in general so great question it's one of those things that the market places put in people's minds the reality is and we surveyed five real estate Moyer's independently of each other on whether or not they recommended that people buy this kind of title protection coverage and it was unanimous nine recommended it now the good news this is a very rare crime and now more more counties now the country have a procedure where you can register your property for notification of any action against the title and these are free services in counties around the country because they don't want to stand idly by while title fraud might take place so it's possible something goofy could happen with somebody trying to steal equity in your property but it is very very rare and one thing that was pointed out by two with the real estate lawyers is even if you had some kind of monitoring service the reality is that many times they would only be telling you about something that already happened rather than preventing a crime from taking place Kim Sam in Massachusetts says what is the best strategy for a husband and wife to do wills so that they don't conflict with each other in the event that we were to both die at the same time whose wishes will be honored for care of the children if there's inconsistencies or conflicts in each other's wealth that is a phenomenal question and it is really important that the two of you talk to the story depending on state law in many states if a couple dies thirty one days apart what the instructions are in the second person's well for raising the children becomes the superior document however it becomes really a messy situation if a couple dies simultaneously and then each will has different instructions for who you'd like to have raising the children so what I recommend is if it's at all possible to have a meeting of the minds on who would be raising their children and die it seems like that's a conversation that needs to involve a compromise potentially on the part of both of you and the compromise would be is that you really talk through who would be first in line and who would be second in line and see if you can come up with an agreement on that it the good news is it's a very rare occurrence they had both people in a couple would die simultaneously that is a very unusual circumstance usually involving a tragic accident and it is thank goodness a rare thing the alternative is if it's something you can't come to an agreement on go sit down with the warrior who does wills estates and trusts and see if you can come up to a procedure the warrior develops that will see that as best as possible both of your wishes are met in some way that you can both be comfortable with you're listening to the Clark Howard show six twenty one of the core a Kerrier Debbie speak twenty four hour traffic center and trouble on I. twenty inside the perimeter it's twenty westbound past MLK that section fifty three got a crash in the right lane a couple right lanes are blocked with emergency vehicles as well so that's causing delays you've got that cleared cracks though still slowing down in the Conyers area twenty westbound getting a pass west Avenue this.

"joel clark robert" Discussed on WSB-AM

WSB-AM

03:26 min | 1 year ago

"joel clark robert" Discussed on WSB-AM

"And it's a gas how long people tend to live in your family that have come before you and if you were blessed in your family with significant longevity it tends towards you delaying as long as you can taking social security because the break even point of taking social security early versus late is typically MA in your early eighties and we have a huge percent of people are making in their sixties who live well into their eighties into their nineties even beyond in a larger and larger numbers so the more that you can delay the better it is for the back half of your life but if you have very poor longevity in your family and you want to have that income coming in at age sixty two I'm not gonna tell you not to do it in addition living your retirement in Mexico will be much much lower cost and you may find that even the money you receive at age sixty two is enough to support your lifestyle if you spend the remainder of your retirement years in Mexico Kim Susan in Wisconsin says I received a stimulus check for twenty four hundred dollars assuming it was for my deceased husband and I my husband passed in August of two thousand and eighteen well I'm very sorry you lost your husband should I wait for the IRS to ask for the twelve hundred dollars back or should I go ahead and send the IRS a check for twelve hundred and if so how do I do that so there is a procedure we have at Clark dot com for sending the twelve hundred dollars back the IRS is expecting you to do it on your own and not wait for them to come after you you know this is something that changed significantly from early on until now is that early on there was there is an assumption that when the IRS paid money for the stimulus that they weren't supposed to the treasury paid money for stimulus they weren't supposed to for a deceased individual or a child who had gone past age sixteen that you would just be able to keep that money and then there the IRS guidance came down strong as could be the you have to pay that money back and so I would not wait for them to just don't send a check there's a procedure you need to follow so they know why they're getting that money back Joel Clark Robert in Florida says you mentioned that we should use a credit card at the gas pump is using my debit card as credit giving me the same protection no you only have that protection using a credit card for this reason the problem is credit and debit cards are equally at risk of being compromised pay at the pump and that's because gas stations don't have to implement their proper security at their pumps for many many years after regular business is I think it's next year is when gas pumps have to be compliant so the difference is if a credit card is compromised pay at the pump no money leaves your hands it just leads to charges that you dispute with your credit card company on the other hand with the debit card even.

"joel clark robert" Discussed on News 96.5 WDBO

News 96.5 WDBO

02:14 min | 1 year ago

"joel clark robert" Discussed on News 96.5 WDBO

"That so there is a procedure we have at Clark dot com for sending the twelve hundred dollars back the IRS is expecting you to do it on your own and not wait for them to come after you you know this is something that changed significantly from early on until now is that early on there was there is an assumption that when the IRS paid money for the stimulus that they weren't supposed to the treasury paid money for stimulus they weren't supposed to for a deceased individual or a child who had gone past age sixteen that you would just be able to keep that money and then there the IRS guidance came down strong as could be the you have to pay that money back and so I would not wait for them to just don't send a check there's a procedure you need to follow so they know why they're getting that money back Joel Clark Robert in Florida says you mentioned we should use a credit card at the gas pump is using my debit card as credit giving me the same protection no you only have that protection using a credit card for this reason the problem is credit and debit cards are equally at risk of being compromised pay at the pump and that's because gas stations don't have to implement their proper security at their pumps for many many years after regular business is I think it's next year is when gas pumps have to be compliant so the difference is if a credit card is compromised pay at the pump no money leaves your hands it just leads to charges that you dispute with your credit card company on the other hand with the debit card even doing form of payment as credit at the pump it doesn't change the circumstance that if someone has captured your number they're charging up as if they're you but it's not a charge posting to a bill it is a direct debit from your checking account which is why using a debit card in any case pay at the pump is extra extra risky you're listening to the Clark Howard show now the.

"joel clark robert" Discussed on News 96.5 WDBO

News 96.5 WDBO

02:13 min | 1 year ago

"joel clark robert" Discussed on News 96.5 WDBO

"That so there is a procedure we have at Clark dot com for sending the twelve hundred dollars back the IRS is expecting you to do it on your own and not wait for them to come after you you know this is something that changed significantly from early on until now is that early on there was there is an assumption that when the IRS paid money for the stimulus that they weren't supposed to the treasury paid money for stimulus they weren't supposed to for a deceased individual or a child who had gone past age sixteen that you would just be able to keep that money and then there the IRS guidance came down strong as could be the you have to pay that money back and so I would not wait for them to just don't send a check there's a procedure you need to follow so they know why they're getting that money back Joel Clark Robert in Florida says you mentioned we should use a credit card at the gas pump is using my debit card as credit giving me the same protection no you only have that protection using a credit card for this reason the problem is credit and debit cards are equally at risk of being compromised pay at the pump and that's because gas stations don't have to implement their proper security at their pumps for many many years after regular business is I think it's next year is when gas pumps have to be compliant so the difference is if a credit card is compromised pay at the pump no money leaves your hands it just leads to charges that you dispute with your credit card company on the other hand with the debit card even doing form of payment as credit at the pump it doesn't change the circumstance that if someone has captured your number they're charging up as if they're you but it's not a charge posting to a bill it is a direct debit from your checking account which is why using a debit card in any case pay at the pump is extra extra risky you're listening to the Clark Howard show now the three.

"joel clark robert" Discussed on News 96.5 WDBO

News 96.5 WDBO

01:39 min | 1 year ago

"joel clark robert" Discussed on News 96.5 WDBO

"They weren't supposed to the treasury paid money for stimulus they weren't supposed to for a deceased individual or a child who had gone past age sixteen that you would just be able to keep that money and then there the IRS guidance came down strong as could be the you have to pay that money back and so I would not wait for them to just don't send a check there's a procedure you need to follow so they know why they're getting that money back Joel Clark Robert in Florida says you mentioned we should use a credit card at the gas pump is using my debit card as credit giving me the same protection no you only have that protection using a credit card for this reason the problem is credit and debit cards are equally at risk of being compromised pay at the pump and that's because gas stations don't have to implement their proper security at their pumps for many many years after regular business is I think it's next year is when gas pumps have to be compliant so the difference is if a credit card is compromised pay at the pump no money leaves your hands it just leads to charges that you dispute with your credit card company on the other hand with the debit card even doing form of payment as credit at the pump it doesn't change the circumstance that if someone has captured your number they're charging up as if they're you but it's not a charge posting to a bill it is a direct debit from your checking account which is why using a debit card in any case pay at the pump is extra extra risky you're listening to the Clark Howard show.

"joel clark robert" Discussed on Clark Howard Show

Clark Howard Show

03:51 min | 1 year ago

"joel clark robert" Discussed on Clark Howard Show

"Family with significant longevity it tends towards you delaying as long as you can taking social security because the break even point of taking social security early versus late is typically in the early eighties and we have a huge percent of people making in their sixties whom live well into their eighties into their nineties. Even beyond in larger and numbers so the more that you can delay the better it is for the back half of your life but if you have very poor longevity in your family and you want to have that income coming in at eight sixty two. I'm not going to tell you not to do it In addition living your retirement and Mexico will be much much lower cost and you may find that even the money you receive at age. Sixty two is enough to support your lifestyle if you spend the remainder of your retirement years in Mexico. Kim Susan in Wisconsin says I received a stimulus check for twenty four hundred dollars. Assuming it was for my deceased has been an I. My husband passed in August of two thousand eighteen. I'm very sorry you lost your husband. Should I wait for the IRS? To ask for the twelve hundred dollars back or should I go ahead and send the irs a check for twelve hundred. And if so how do I do that? So there is a procedure we have Clark Dot Com for sending the twelve hundred hours back the IRS. Expecting you to do it on your own and not wait for them to come after you you know. This is something that changed significantly from early. On till now is that early on was There was an assumption that when the irs paid money for the stimulus that they weren't supposed to the Treasury paid money for stimulus they weren't supposed to for a deceased individual or child who had gone past age. Sixteen the you would just be able to keep that money. And then they're the IRS guidance came down. Strong is could be the you have to pay that money back and so I would not wait for them but don't send a check. There's a procedure you need to follow. So they know why they're getting that money back. Joel Clark Robert in Florida says you mentioned that. We should use a credit card at the gas. Pump is using my debit card as credit giving me the same protection. No you only have that protection using credit card for this reason the problem is credit and debit cards are equally at risk of being compromised pay at the pump and that's because gas stations don't have to implement the proper security at their pumps for many many years after regular businesses. I think it's next year. Is WHEN GAS PUMPS. So the difference is a credit card is compromise pay at the pump. No money will use your hands. It just leads to charge as you dispute with your credit card company on the other hand with a debit card even doing form of payment as credit at the pump. It doesn't change the circumstance that if someone has captured your number. They're charging up as if they're you but it's not a charge posting to a bill. It is a direct debit from your checking account which is why using a debit card. In any case pay at the pump is extra extra risky what to Goldman Sachs experts and leading thinkers have to say about trends shaping markets industries and the global economy? Stay informed.

IRS Mexico Clark Dot Com Goldman Sachs Joel Clark Robert Kim Susan Treasury Wisconsin Florida