35 Burst results for "Khun B"
DoorDash, Grubhub, Uber Eats Sue New York City Over Restaurant Fee Caps
"Uber. And grub hub filed a lawsuit against the city of new york. Federal court disputing. The law passed last month. Capping the amount of commission that food delivery apps khun charge restaurants. New york want to limit what the restaurants get charged by the deliver companies. The suit asks for an injunction against the law going into effect monetary damages and requests. A jury trial the firms alleged. The law constitutes government overreach forcing them to rewrite contracts with restaurants and raising fees for customers.
Several college football games postponed amid new COVID-19 outbreaks
"In America, including college football programs. Saturday's Ohio State of Maryland game has been canceled and the SEC now has four contests postponed. Including Georgia at Missouri. The Washington Huskies have moved on from their season opening cancellation in Cal, Berkeley. U Dub tight end Kate Hutton. It was pretty tough to take. I think that those case for everyone involved I know Cal wanted to play, too. The only thing we could do is go on organ sake, Khun Khun drawn that. So Saturday night at Montlake. It's the dogs against the Beavers. Eight o'clock on Fox Sports one Washington State at home in Pullman, Saturday afternoon, a 10 Point underdog against Oregon Seahawks returned to the practice field today, prepping for another NFC West clash with the Rams Sunday in Los Angeles. But it will be the first time they tangle in that new $2.5. Billion so Fi Stadium Cleveland Indians right hander Shane Bieber, a unanimous winner of the American League Cy Young Award. Cincinnati REDS Trevor Bauer takes home the NL Cy Young Trophy Sports A 10 and 40 after the hour.
COVID-19 Hospitalizations Are Surging. Where Are Hospitals Reaching Capacity?
"Sign that the United States is in a Corona virus surge. Hospitalizations around the country have nearly doubled since late September. Some hospitals are already talking about rationing care. Will stone has more back In the spring, Dr. William Elms was watching the surge of covert patients in New York City and reading his hospitals in Wisconsin to enter the same We waited and waited. It did not come about six months later it has arrived. Melman's is the chief medical officer at the Marshfield Clinic Health System, which covers mostly rural Wisconsin. We will be pushed to the limit by the end of the month. Covert patients are filling up their beds at an unsustainable rate. And because so many parts of Wisconsin in the Midwest are under siege, Melmed says. There are not many places they can turn to. Either to send their patients or to get extra staff. Creating the manpower to take care of our patients is the dilemma. You know, we don't have any areas to decompress. We don't have safety valves to put our patients. This is the message coming from or hospitals in more states every day. For weeks, the US Corona virus pandemic has shattered records. In the wake of those sky. High numbers Come hospitalizations, Lawrence, our studies hospital capacity at Johns Hopkins University. We have a legitimate reason to be very, very concerned about our health system and national level. That's because this surge could wash over many places simultaneously. In at least 18 states. Covert patients account for more than 10% of all hospitalizations. Above that 10% is where we really think. Okay, Perhaps we have to start enacting search strategies and crazies. Standards of care in some places Crisis standards of care, a broad term for how hospitals make decisions around treatment when re sources are limited. In the worst case scenarios it can lead to rationing of care. Some states, including Utah, have recently warned this could be on the horizon. Machida Beer is an emergency physician and researcher at the University of Michigan in the Rand Corporation. If there are many epicenters a beer says it will be much harder to shuffle around. Resource is because everyone will be overwhelmed. So it's space staff and stuff, and you need all three. And if you don't have one, it doesn't matter if you have the other two, and most U. S. Hospitals already don't have much cushion they usually run close to capacity, especially during flu season. Then, on top of that ad covert patients who Khun require lots more time and care, and it strains the system. This is a scarce resource Critical care. Nurses are scarce. Ventilators are scarce as you know respiratory therapists or skirts, and she worries about to become even more scarce. For NPR news. I'm Wellstone.
Measure J approved by Los Angeles County voters
"Since the official election day, but L. A county is moving ahead quickly with while the ballot measures approved by local voters measure J. It requires that at least 10% of Lake County's unrestricted general funds about $350 million a year, right now be spent on housing mental health treatment. And alternatives to incarceration, the goal to reduce recidivism and help trouble people through treatment rather than the jail system. Tomorrow, the county Board of Supervisors is expected to discuss setting up a measure J Advisory committee. Joining us now to talk about where things go from here is Isaac Brian, executive director of the Black Policy Project and co chair of the re Imagine L. A County group. Ah, coalition that supported Measure J. Good morning. Good morning. Shane is going to be so good to have you here now. Ah, lot of people whose introduction to measure J was on their sample ballot may have thought that it came out of the recent rallies. We saw the spring over issues like Racial justice. But this is not a new idea. Very briefly. How far does the concept behind measure J go back when it comes to L. A county? When did this idea sort of first start percolating? Absolutely and Albert is a combination of both. So from the last decade we have been organizing against the size and scope of our jail system, one of the largest jail system in the world. It's also the largest mental health provider on the West Coast. And instead of thinking about treatment and care, we often cycle folks who need support to our county jail system. And so here in Los Angeles County of the last two years Set up a civilian oversight commission to oversee the sheriff's department. We set up an office of diversion reentry. We cancel the contract to build two new jail facilities in the last couple of years, and instead we launched in alternatives to incarceration Work group. Explored very deeply. What a continuum of care might look like should look like in. That work group was chaired by Dr Bob Ross, the California endowment and teaching both community voices and system stakeholders. That report was submitted to the board. In February. There's a lot of groundwork that led up to this moment, but the the unrest of this year of this spring and into the summer definitely spurred this To action. I think the foundation was laid. But that was kind of like the catalyst that let us know that this is the moment we have to push. And if you saw your sample ballot, you saw Patrice Cullors as one of the signatories as well as myself. Patrice is one of the co founders of Black lives matter. And so there's a lot of overlap between the lethal encounters we saw earlier this year and and how this ultimately came to be. Under measure J. What kind of programs will be eligible for funding? And who specifically? Will those programs try to help Are you looking at, you know, say young people trying to target young people specifically before they might get into trouble with the law? Something like that. Absolutely so pending the board's approval of ah of emotion tomorrow that would establish an advisor group to really oversee this process. There are a lot of buckets of eligibility, including mental health support behavior. How support Job training and placement, affordable housing, but also used development is critical. Right now we spend $280,000 per year per young person to incarcerate them here in Los Angeles County. We cage then Children right here at home, and we do it in a very expensive, right. Part of measure J will be looking at ways that we can provide opportunity supported development for young people outside of the juvenile halls in camps and in a way that produces healthy and thriving outcomes. What I can tell you is that there are some agencies that are prohibited. I'm using Measure J funding, and that is the Sheriff's Department, the district attorney's office, the cords or the probation Department. This is CareFirst valid initiative, and it's got to be rooted in structures of opportunity. What kind of groups are going to be behind the program's applying for measure J funding? Are these going to be government programs? Are we talking about like local nonprofits saying, Hey, we got what we think is a great idea to put. I don't know a a shelter or an after school program into effect in this part of the community. I think you'll see a mixed method approach their awesome county agencies and programs that are working incredibly effectively that need to be scaled up on specifically thinking of the office of Diversion and Retentions Transitional housing model. Which has slashed recidivism rate and proven much better outcomes than anything in the sheriff's Department of the Carcel system is done. We need to scale of all of those county infrastructures and behavior, health, mental health and have the support that we know are working, but also A new way of life. The entire city of coalition and others have shown community based reentry models that are working incredibly well. There's a lot of use development models as well. So I think we need to be thinking holistically. About where these phones Khun go because it's all about producing the best outcome for our communities. And if the government has structures in place to do that, we need to support that. This community has structure in place that air doing that that we definitely would support that as well. We need to be thinking holistically about this. Who's going to decide who gets the money. And who doesn't? Is it going to be all county leaders? Or you going to see members of the community involved in making those decisions as well? And a measure called for transparency and accountability and community representation. And I think the board of Supervisors, who are ultimately tasked with drafting the implementation process for this are very aware that community representation has to be at the table. There's ballot measure was put on by the people. Up specifically people who have been most impacted by our systems of Harmon. They should also have a seat at this decision making table and it's my intention that the Board of Supervisors intention to make sure that table is inclusive and has all the stakeholders. Who have a vested interest in this process. So are we talking about like, I don't know. Mental health professionals or community leaders or people who help to provide services to young kids. Are we talking about that? that? They They could could be be serving serving on on this this advisory advisory committee committee and and saying saying to to the the soups soups no, no, none none up. up. You You gotta gotta put put money money over over here. here. This This is is where where we we really really need need it. it. They They could could I I be. be. I I would would encourage encourage everyone everyone to to look look at at the the motion motion That's That's coming tomorrow. From what I've heard. There's a 17 Person Advisory committee with Five dedicated for community representation, five dedicated for those who work in insisting with Karen opportunity within the county, Already a couple of suits for labor organizations that are going to be impacted by The movement of funds in this way and really just trying to make sure that this table as all of the voices of the folks who need to be added the only voices who won't be added of those who are ineligible for Measure J Fund. Isaac Brian is executive director of the Black Policy Project. Thanks so much for joining us this morning. Really good to have you Thank you for having me. You're listening to morning
President-elect Joe Biden says 'time to heal' a deeply divided nation
"Joe Biden says it is time to heal for America. In his victory speech tonight, a driving celebration and Wilmington, Delaware, Biden says Democrats and Republicans Khun choose to work together. He promises to be a president for all. Now, the Biden victory sets up Kamala Harris to become the first woman to reach the office of Vice president. This is our country, and we love our country. This is a monumental moment for former colleagues and staunch supporters of Kamala Harris have someone Like her of her intelligence and death and her background in the White House. It's a good day for America. Harris spent part of her childhood in the Berkeley flats. She became the first woman first black and first South Asian. When elected a San Francisco's district attorney in 2003 reporter Kenny
The Franchise Show is coming to Atlanta
"Are listening is because you are here. Richard is here because he's coming to Atlanta. On November 21st. You can see him in person. You're going to be at the franchise show. Which is going to be at the Cobb Galleria Center. It's going to be live you, khun go. That's going to be social distancing. There'll be other safety precautions in effect, but the franchise show is November 21st and 22nd. And ah to show where you could tell me more about the franchise show. Well, basically, you know, there's going to be all types of Franchising available there to peruse and find out if it's something that maybe you want to get into. I specifically I'm going to be Representing service to surface. Keith, who started that company is a good friend of mine. And so I've decided to, uh, kind of get into business with him a little bit. We used his products and his services. Our garage re had probably guessed 12 15 times and I got to know him as a person. He's a great guy. He's you know, got this service to surface business that he's starting franchise, and it's doing really well. I think the trick to it is it's all different types of fourth floor servicing. You know if you want to stay in it if you want, Teo Stamp it if you want, Teo put down the poxy codings and all that kind of stuff, And what makes him a little bit different is he also Owns the products themselves and creates those himself. So you know he's not going somewhere and buying someone else's product and put a sticker on the can and calling it Hiss. You know he's researched it and made these products. To be the best that they are in the business, So the surface to surface is something I can put on my garage floor, right? You can use it on anything but definitely the garage floor. We're working on coming out with a kind of a garage. Uh, surface kit for the do it yourself at home. That you know where they have 23 or four car garage that everything comes in one kid that they could basically resurface the garage floor and not only protected but also non skid it in Be able to wipe up any spills. Nice speaking with Richard Rawlings from about 28 reality shows.
Importance of Black voters in the presidential race
"The last two or three years of activism that you think has helped push Georgia into the blue column? Yes, I think that is Never. We need on example of how the community organizing and coordination work. I think Georgia is an example of that that over the last three years there have been deep and actually the last five years in particular, but particularly the last three years. There's been intense coordination between Social Justice Group communally, a group black late groups throughout the state of Georgia in metro Atlanta will in some of the areas like Savannah and making and and in South Georgia, Albany and so as a result, what we see is we see this record turnout of black voters, you know. In the state of Georgia black voters voted At higher rate. No more black voters voted for for Biden Vice President Biden maybe it for Obama, and that in the self says that even what has I believe that it hasn't just been about being candidates entered its been about people being people center and so as a result of the deep organizing what you see is the result of the turnout. Where black voters have certainly made the difference in this wave and Georgia You know, just next door. Alabama Senator Doug Jones, a Democrat. He ended up really struggling right, acted to hold onto his seat, so there are kind of limits in terms of getting turnout out there. What lessons do you think people can take away from the experience in Georgia? I think we have to recognize that you have to continue to be ill that oftentimes what you see in some of these elections when the energy is just centered around a candidate around 81 particular election and you lose that Mo mentum and don't continue to build from that you would have we never would have done here. But what we thought even particularly after 2018 in the race in safety Abrams loss The infrastructure in the coalition that came together around her race did not dismantle. They act you started working on was that even more focus on working together in a coordinated fashion, and beyond that there were other groups that because of the mass voter suppression that happened in the community and happened with black voters, we were that much more determined. To make sure that we were in play in this election cycle and that our voice will be heard. And so part of what I think is a keen lesson is that when you invest and groups that on the ground that these are the kinds of results instead of putting all your Political resource is, I think political parties and in television ads that when you invest directly on the ground, yield it, Khun Deal Ah, great harvest.
Target recalls children's boots due to choking hazard
"There's a recall today involving some kid's boots that are sold at Target alert for parents or anyone with a young child target is recalling a brand of toddler boots. The Consumer Product Safety Commission says these cat and Jack brand boots were sold for boys and girls and sizes. Five through 12. The boots have an elastic laced with the ta Go on top of the commission says the laces and toggles Khun break, making them a choking hazard. No injuries have been reported. Anybody with those boots can return them to target for a full Refund. A news partners at ABC
Trump Lashes Out Over Vote Count as Biden Gains Ground in Key States
"Winner in this year's presidential election continues this hour. The Associated Press reporting. Former Vice President Joe Biden currently leads President Trump to 64 to 214 in the electoral college. The legal challenges. Ey're in play. And as NPR's Tamara Keith reports, the Trump camp is sounding optimistic It will pull ahead. The Trump campaign is still disputing a race call in Arizona, saying they expect President Trump will be able to catch up to Biden is ballots continue to be counted. They also insist things look good for the president in Pennsylvania. Here's campaign manager Bill Stepien, the media And the insiders in the city trying to count Donald Trump out for years. Give me that Give him zero chance during his primary. They said he was dead during impeachment. They said his campaign with dead during this summer Donald Trump is alive and well and tweeting in all caps. Stop the count exclamation point. Trump's campaign has filed a flurry of lawsuits which among other things, seek to stop vote counts until legal observers Khun get better access to monitor how its going tomorrow. Keith
"khun b" Discussed on Biz Talk Radio
"On building equity in the home. That's exactly what the with the mental trick is. And I think that's a really good point. But he's made a lot of people buy Bitcoin and we'll use that $1000 is a number they buy 1000 dollarsworth in a fix week. It goes down. Because Bitcoin is volatile. If you've been it in anytime, you know that, and then they're going. Oh, my gosh. I just threw away my money and then they maybe they panic and they sell in the next week. It goes up to $1100. You know, So if they buy $100, and it goes down the next week, they're kind of excited because now they're getting more Bitcoin for their $100. And then rises up and it gives him time. I think that if you get $100 for 10 weeks versus a one time shot at $1000 gives you time to see. What Bitcoin does. How goes up and down? How volatile Khun B without panicking because you haven't had a lot into it and had a big drop out one time. Yeah, I think that's 100%, right. Yeah. I mean, I even I started this product essentially for myself and people like me. Absolutely. Remember my entry points for my bulk purchases in the past. And I don't think about it at all. Now that I've been on this one plant planned since March, when we launched I don't think about it all. It's just sitting there. It's just accumulating. I'm glad it's there. And I just don't think about it at all. I just have this Part of my portfolio that's building up in the hardest money that's ever existed, which is Bitcoin. And I think you actually like me. You started sitting down and you see a drop if you see a drop 20% Instead of panicking and going. Oh, my gosh, I'm really getting a good deal now really buying at a great price, and you're excited rather than being turned your right. That's the magic.
NBA players planning vote on whether to start season on Dec. 22 or Jan. 18
"A and Players association could vote this week on when next season will began a couple of scenarios they are looking at. According to the athletic number one of 72 game season that begins December 22nd. What the finals wrapping up near the end of July or Option two. 60 game season that begins January 18th 60 games with the finals, wrapping up near the end of August. You Khun Better believe what the N BA owners are looking for here. They want to capitalize on his many games as possible, and certainly that Christmas revenue is a big deal. Some of the players, especially those who were in the bubble are saying we just got done. Can you give us a little bit of a break here mentally physically beat up. They'd like to start closer to Martin Luther King. I can't believe they want to compete against the Olympics. Either. America watches the Olympics for like, three weeks in the middle of that season. If the NBA's still going on, that doesn't seem like a good move. It does seem strange that the only players that perhaps want to play as soon as possible are the teams that were no part of the gavel in Orlando, because they've been off since March. Yeah, so they're ready to go.
Election Day Game Plan on Social Media
"I'm David Brancaccio. Social media companies, including Twitter have just announced steps to make it clear when a candidate has won the election or has not marketplaces. Nancy Marshall Ginza joins US Live, Nancy. Star with Twitter's approach. Well, Twitter says it will label tweets that falsely claimed victory for any candidate. It'll also remove tweets that encourage violence or calling people to interfere with election results. Twitter now requires anyone declaring victory to have proof they khun site announcements from election officials or use projections from national news outlets that have what Twitter calls dedicated independent news desks. Twitter list. The Associated Press among those And the AP is a key source will be turning to here. So how does The Associated Press decide when someone's one The says it'll look at the number of votes counted also data on political trends. It's created a new system that analyzes early voting in mail in ballots. But the AP also says it may just declare some races too close to call and David Facebook says if a candidate or party declares victory prematurely, it will add more information to the labels on their post. It says votes that say votes are still being counted and a winner has not been projected yet. Then the AP, Facebook and Twitter and others are spelling out the rules because Their concerns about candidates who are headed the end of today, declaring victory before all the ballots are counted. Of course, it could take days for some states to finish counting all of the mail in ballots they received. Nancy. Thank you.
Garmin Launches New Smartwatches Including the Instinct Esports Edition
"Has several new ways to keep track of our health. The new vivo fit junior three fitness trackers, Khun be outfitted with kid friendly themes and guide them through interactive adventures for video game lovers. There was the garment instinct EA Sports Edition Smartwatch contract Things like heart rate and stress levels and also, let's EA sports players use the watch to embed that data. In gaming live screams.
"khun b" Discussed on KTRH
"Okay? And then what about Ah, deck with a grade on it, so it drains And you can, that actually would be pretty Three simple to do, Because if you've already got the framework there, you can actually put us Ah. A slope on it by just adding some Deal's on top of the existing framework. You have to give it the grade or cutting some of the tops to to give it the great down and then you put a Rubber Barrier and literally, you could pour some lightweight concrete on top of it, then. And that gives you a solid top up there that the water can run off or you can put Ah deck boards back on it. You know any any number of things, but if you go with a lightweight concrete on it, then you can put tiles which Khun B. A stone on a wood look or anything you want, And that's going to be the most durable and waterproofing that that you could get them. All right. Is there any type of Ah Like A part of, say, a poxy are Ah, a type of plastic material that would work do be durable on the outdoors that you could put sheets down of it. What about that? Not that Not that I can think of that I would use outside. So all those kind of products are made for inside. Okay, tricks that that would be thicker that would be bored. Yeah. The issues you're gonna run into attracts is your Your choice to have to be closer together. You need to put that down on 12.
Comparing the Biden and Trump tax plans: How to prepare for retirement
"If Biden Wendy says, your taxes are going up trumps, Wendy says, not tax or staying the same through December. 2025. So we'll see. There's a lot to be decided in this tax world. But one of the keys is how do we minimize taxes going forward? I suppose. Yes, mark for sure. I mean, think about this. This is probably one of them or important things that I walk people through because something we can control. But the reality is is that we all believe we all know to a person out there that taxes will probably increase in the future. But how will it affect you? I think that's the main thing that people go well, tax is going to go up, but people really don't understand. And the impact of higher taxes to the retirement plan. So when you think about that for a second what? Well, what would be the impact to higher taxes right? Well, it's gonna affect your income. It's gonna affect the value of your assets. It's going to affect your legacy. It affects everything. Higher Taxes is a headwind against your money that you're responsible overpaying. In retirement. And here is the reality of it right Mark is that everybody has asked. That's everybody's income. It's all taxed a little bit differently. You know, we all have different tax brackets, and we all have different Investment assets. And, you know if you end up with more money and tax deferred accounts versus tax free accounts are taxable council tax very differently. So the reality is that people always I say, is asked the wrong question. What tax bracket will be? I will I be in and the reality is you should start to think, and this is what we walk people through through our process. Is understanding how much of my income and my Assets are exposed. To future legislative risk or higher taxes in the future. How much is exposed? So then you can get a really grasp of the effect that higher taxes will have on everything in your plan. Better way to say it. Take a macro view once that's done, and we know your income. We know how much you need. We know all of those things. We can then start to plan. To help minimize taxes. So the third thing you need to know is how to minimize taxes. You don't need to know that taxes are going up. You need to understand how to minimise taxes on everything. About your retirement plan. How to minimise it on income hada, minimize taxes on your assets and had a minimize the taxes when you pass those assets to your next generation. So once you learn how to minimize them, it will have a wonderful impact on your retirement plan. The final one is also parts and pieces of the paradigm compass process. Remember the paradigm compass process starts with income planning an investment strategies tax efficient strategies. But it also has in their healthcare, long term care legacy in a state planning. What about Social Security? That's an income part. What about Medicare? That's in the health care part. So the paradigm compasses, holistic retirement planning, if you will this final stage of this four things that we need to know to help us lead a better retirement. Is really a lot of that category. We need to have a plan for the following and the following are things such as what? So think about it for the unexpected right? Or I better rephrase that he expected that. It has a really good chance of happening throughout your 30 years of retirement. People think it's unexpected, but it shouldn't be. And that's kind of the point of today's show. To give people perspective on that. But think about it. You know, you prepared for a loss of a spouse. I mean, I just really It's one of those things that does happen. And if it does you prepared is the other one prepared to carry out that plan, right? And so it's important. Do you need an advisor to fill that role or to help guide you right? That's one. What if there is a long term care event? The cost of long term care. You know, if you really thought about sat down and said, OK, we're gonna be fine if one of us need long term care, and if that's extended long term care what's the financial impact? Not only to your for retirement plan but to your family. You know other things really important, And the reality is is those costs can be catastrophic and it's inflating and it's going up pretty high. People know the numbers. But the reality is is 90% of the people listening this show do not have a plan for it now. A lot of people say Why Khun self funded which, if you have enough money you can question is why would you want to do it when you can self Insurance and baby use your assets in a different way to be able to do it. So there's reality is is that a lot of people think that this might happen, but don't have a plan for it, Mark You know, the third thing is is healthcare costs. I can tell you that when you think about what you opened the show with and the cost of living adjustments of so security I mean and think about all of your income. If you don't plan for higher inflation and higher costs, healthcare costs and out of pocket we talked about it all. The time is a major one that you gotta understand that are you prepared for it? So it's not just Hey, Here's how much guaranteed income I have. Here's the gap. I gotta fill. Here's my much assets I have. I'm going to be fine. You have to start to plan for all the things I talked about higher taxes, higher inflation. So security income and what it might happen to it. You have to start to plan for market risk, and, you know, market downturns and you have to start to plan for all these things. And so the reality is is all these things have to be able to meet? The unexpected. So the fourth thing you've got to do to have a successful and really fun and and retirement of your choice is start to build a plan that not only meets the requirements that you lay out and do But you also have A plan for these things that you know you we could say are unexpected. Mark the unite. Both know the majority of these things do happen during retirements. You got a plan for it, And that's the last thing. Yeah, and you know, you think about because you're the first one you've brought up was the loss of a spouse and I don't know if everybody is aware we will. I think we all get the emotional ramifications of losing a spouse because that's not the time to make decisions. Right. So that's why you do all of this before. This is proactive, planning, not reactive planning, but the loss of a spouse, you lose the lower of the two Social Security's The surviving spouse keeps the hire of the two social Security. So when and how to take so security is a big decision for that surviving spouse. So you keep the hire of the two. So security's when you lose, a spouse lowers goes away. Then you think about it Pay. Congratulations. You're married 50 years, But now we're going to tax you as a single person. You no longer filing joint. And then what about a pension? What? Ifyou're you decided they were going to go go in our retirement years. We're going to take this the sole survivor ship of a pension so we could really go for those 1st 10 years. Well, what if that was the pension decision, then that pensions all gone when that spouse past his way, or what if it was partial 25% of 50%? So the bills don't necessarily go down, loses spouse, Matt, but there's a lot of income that's going away. Not only that you have to understand how the investment strategy laid out. Are you comfortable with that? You know where it is What it does, right if you're counting on 30 40 $50,000 of income from your portfolio. And, you know, are you gonna be okay? Understanding that, So it's really understanding the plan, executing the plan and having a trusted advisor, you know that can help you in a time of most critical need. That's when we want to take the stress off of somebody our clients and helped them through that. So I bring that up Mark because ultimately what your plan has to plan for is the unexpected. That's why you build a plan. And so the plan then has to take into account all those things I just talked about. And those are things we make sure we check off the list that we work with clients and work with, you know, you know perspective. Clients on really making sure we understand. Look what? What? Your goals. What he dreams. What do you want to do? You know, let's let's start there and then let's build a plan accordingly. And if you do that, that's where the happy and successful retirement leads to.
'Very confident': New York City hospitals prepare for virus resurgence
"And nursing homes are bracing for a potential resurgence of Corona virus patients, drawing on lessons learned in the spring when the outbreak brought the nation's largest city to its knees. Dr Eric Way, chief quality officer for New York's public Hospital system, says he's confident the city Khun drawing lessons learned in the spring to better manage a potential resurgence of current virus. Patients have contact tracing In place. We have way more testing. We'll get results way quicker s O. I think we have some tools in their tool belt this time around. You know, I think control any sort of many outbreaks. Doctor Way, says the Corona virus. Patient profile has changed and they've learned a lot in the last few months are younger people who are testing positive. Not so much from the nursing home's the most vulnerable. We also are treating it better and more prepared. Doctors are touting increasingly effective Corona virus treatments. More on these
Japan uses high-tech experiments to fill baseball stadium
"In Japan are using some high tech devices to see if they can fill sports stadiums closer to capacity during the Corona virus pandemic. The baseball stadium in Yokohama will be used this weekend in an experiment to test if the 32,000 seats Khun B. Filled safely. Japanese baseball games were played there, but only half the seats are used.
'Dude, I'm Done': When Politics Tears Families And Friendships Apart
"Now you have likely seen it or felt it yourself. Now A recent survey shows how the nation's bitter political divide is taking a toll on friendships as NPR's Tuvia Smith reports with political polarization hitting a fever pitch. Even decades long relationships are caving under the pressure. It's been happening everywhere on social media, and in really life did straight up there. Dude, I'm done Lose my number that Shimada Davis from L. A. I just hung up on my end, and I proceeded to just block them in every possible way. Joanie Jensen from New York. I hate families, everything but I just don't know and Ricardo de Forest from Florida, there among the many Americans dumping friends over politics. It's one thing to disagree about tax policy, says Davis. But this is deeper. It's about morality and justice. As a black man. He says he simply could not abide his friend of 25 years down playing police brutality. It's like if this is your attitude. I don't respect you. Now I don't because people are really dying. It's also that kind of moral absolute to Jensen, retired professor and sexual assault survivor who cut off a friend of 40 years who was being cavalier about the allegations against Trump's then Supreme Court nominee Brett Kavanaugh. He was going off flight. Oh, you drank the Kool Aid Cabin on boy. He didn't do anything. I said if this is his core ethics, I don't want that kind of person in my life Conservatives, Of course. Khun B. Justus, quick to spurn the liberals in their lives who clashed with their core values like life or the biggie for Ricardo de Forest Liberty. They sold our country out. This election is about the soul of what America is. He can be a free country. Andy, a socialist state to forest, a 61 year old steelworker cut off several cousins who he calls hard core Trump haters all they can do it. From the races on man bed on man raises, you know, blowing spittle in and veins popping out of their heads Yolk soy Latino, But I guess I'm some sort of horrible races because I like Trump. Ridiculous. We are seeing more political polarization today than at any point in modern history. Jocelyn Kiley, with the Pew Research Center says about 80% of Americans now have few or no friends across the aisle, and the animosity goes both ways. Democrats are a little bit more likely to say they'd end a friendship. But Republicans, maybe a little bit less likely to say they have friends on the other side, so it may not be all that differential. Everybody is doing this Tania Israel The University of California psychology professor runs workshops on cross the aisle conversations, she says. Both sides have big blind spots when it comes to the morality of their own side, and they all view themselves as eminently fair. And right. When I say all these things, I think I found fairly reasonable and see the other side as irrational. Just something wrong with these people. Whether conservatives like the forest or lefties like Joni Jensen, I said, Oh, my God, he really is brain. Wass. Everyone Tanya, Israel says could use a little more intellectual humility were flattening people out, you know, in terms of our view of them and not really seeing the full complexity of people on the other side. It's exactly what Georgia truck driver Jon Langford says his brother who's gay did to him. He went off on the sand. Essentially, I'm a racist and a homophobe. Just because I'm a trump supporter, knowif stands or butts. Ain't completely cut me out of his life, Langford says he's trying to not do the same and toe hang onto his friends. On the other side. I could assume that anybody that supports Biden is a firm believer that it's okay to murder a baby, but I don't From the other end of the political spectrum. Connecticut business consultant Jeff Maren Steen is also straining to stay friends with some trump supporters. Despite all the invective and insults, you know you live They're all the same or these ad hominem attacks. Maren Steen no longer talks to some of them with others. He just doesn't talk politics. It just feels like the healthiest thing for me to do at the moment. But, you know, I suppose the risk is that I'm just retreating into my own information bubble with people who think just like me. Indeed, experts say more conversation, not less is what's needed to heal the
Political Campaigns See Flood Of Outside Money, Often From Unknown Donors
"A record amount of outside money is flooding into Senate races across the country. Of course, control of the chamber is up for grabs in next week's election. As NPR's gyms are only reports much of the outside money comes from groups whose donors are mystery. Last March. A day before the filing deadline, Montana Governor Steve Bullock announced he would challenge the Republican Senate incumbents Steve Daines, and so began the epic battle of this Steve's on the airwaves. I think that Danes had his first attack at up in I would say it was less than a week. Lee Banville teaches journalism at the University of Montana, he says many millions of dollars are being spent on the race the population of its largest city. Billings, Khun fit inside a big college football stadium. So all those millions by a lot of TV and Internet ads, whether it's the radio, or, you know, gosh knows if you're watching the nightly news or jeopardy. You just It's political out after political ad do you call a man who doesn't just accept trumps corruption? But votes for it? What do you call a man like this? You call him? Delis. That ad is paid for by the never Trumper Lincoln Project, one of the most prolific spenders this year. Montana writer Dan Brooks wonders if he sledgehammers subtle negative ads turn off voters from the perspective of people that I talked about. It just makes everyone generally angry at politics. I think that like Just seeing it everywhere is alienating. Many of these groups have bland names that obscure who they really are. Ah, bill passed by the House would force them to be more transparent about their funders. It's stuck on Senate Majority Leader Mitch McConnell is desk. The idea behind the bill is that voters should know where this outside money is coming from, even if they can't get rid of it altogether. Jim's a roly NPR
Early Voting Begins in Washington DC
"Early voting begins in the district tomorrow. W T. Opie's Luke Luca has a preview. This time tomorrow, People will be lining up at early voting centers like this one at Hardy Middle School in Georgetown. Polls will open at 8 30 in the morning and close at seven PM everyday until Election day for this election. You don't have to vote at your assigned precinct. And if you want to skip the line, you Khun drop off the ballot that was mailed to you at any Early voting center this year the presidential races on the ballot. But there is also a handful of local races like several council member races, including two at large Board of education races and an initiative to make magic mushrooms and other psychedelic plants. The lowest law enforcement priority for D. C. Police in
"khun b" Discussed on Biz Talk Radio
"And so that's you know, I try and fit these things into AA Jewish perspective. But the you know for me personally. What do you want to ask me? Do I want money that can be controlled? That can be censored that Khun B confiscated that can He ended and printed away or do I want one? That's run by a kn algorithm, a mathematical equation that that perfectly set it up, and I know exactly what it is. Everything is transparent. For me. That's the kind of money that I won. And I think the more people realize that these are the options that they have. The more people are going to want. The money that you know seems to work more fairly. You know, one of the things that I think people want to know which we haven't gone over all in the show is Where People. This is what people have asked me when first thing boomers asked me. Where do you get Bitcoin? I mean, we're like, Get this Bitcoin at Well, there are basically three ways to get Bitcoin. The easiest is to buy it generally from an exchange. Those are places where there's some people that are selling that coin. Some people buying it and they you know, are registered, just like you would register with, like and like a Robin Hood APP is or any kind of stock. Purchasing, You know you want to buy something like that's website log in and you, Khun buy and sell Bitcoin. There's you know, dozens of them in the United States, and that's the easiest way. The next way to do it is to earn a bit coin, which is a little trickier because a lot of Bitcoins don't wantto spend their Bitcoin meaning if you have a business And you sell product or service. You can ask people, but we're not really at that level where we have a circular economy unless you're dealing with someone else in the Bitcoin business, So you know, I saw a Bitcoin book to people interested in Bitcoins. So some of them pay me in Bitcoin. Most maybe half do and half Don't it's harder if you're selling You know, blinds or shoes or whatever some kind of Africa Most. Your audience aren't users of Bitcoin and don't want to spend it, but that it is possible T do that, And then the third is actually way that's almost impossible for any regular person, which is mining Bitcoins, which is if you are running a computer, woof. Runs the Bitcoin software. It burns electricity and secures his calculations that secure the Bitcoin network that's called mining. And so you can earn Bitcoin. You have to have a special specialized computer for that, but and you have very cheap electricity or elsewhere. And I'm going to end up losing money because it burns a lot of electricity. So for most people, it's not efficient. It's only done in efficient ways where they have like factories that have very cheap electricity and their specific locations where There, you know, connected to energy plan, so that's where they do it. But those are some buying into the way and most people are going to be able to do it is that you go to exchange and what's so cool is that when you buy the Bitcoin, then it's your When it's on the exchange. It's really just like an IOU. But.
"khun b" Discussed on WJR 760
"Room. Air conditioner, which is mounted in the wall has got to come out of there. There's the You can't do it alone. You need some help. Usually it'll come out of the casing. In many cases, the casing stays there. But look for some screwed around the edges in the front. And usually that air conditioning system will come out of the casing. The casing stays there. But that's not always the case. Anyways. It's got to come out of there. And general. Really? You've got to take that to the local car wash. No, someone somebody laughing at then. That would be okay. You've got to take that. And I don't mean the carwash where you drive your car through. I mean, the carwash where you go and you deposit quarters and you take this wand out. Yeah. You got to do this when the weather is not conducive to washing a car, so you don't make the guy madness. Shoot your comes at you. You know you you've got o Put it on the floor, Put the hose to it and don't get too close to it because I don't want you to bend the fins on it. And I want you to clean it. Okay things for five years old. It's dirty is Khun B, and that's why you're having problems with it. And you know what? I used to do this to at least 250 room air conditioners every summer for 20 years. And let me come with, you know, it is hard to make out with that big and not three or four test. I didn't have a compressor that you do it. I mean, compressed air. Honey, I was coming out of a beginning of good. Not with a compression. No hold that you're talking about just I want it out with the regular hold. Yeah. And ah And remember this. The dirt is on the inside of the outside coil. In other words, when you're looking at it from outside, you're looking at the condenser coil. You don't see any dirt there. The dirt is on the inside of that. So that's why the hose is important. Put the hose to it from the back from the sides and make sure you let a dry Before you plug it back in your okay now, you will probably won't turn that until next spring. But make sure it's dry. Anytime you do that. For a good 34 days. Okay, okay..
"khun b" Discussed on News-Talk 1400 The Patriot
"For retirement in any time, day or night. You can check out the website maximize my retirement dot com. If you'd like to learn a little bit more and bread. I do want to talk a little bit here in this last part of the show about that idea. Maximizing my retirement because I think it's all about being efficient and a lot of different areas we might think about maximizing Social security, but we're also thinking about making the most out of our income and being efficient and taxes. It really encompasses a lot of different areas, doesn't it? Well, yeah, I mean, and when we thought through that years and years ago about what we wanted to really try to help families with it was to help the maximize or to get the most out of Retirement. And here's what I'll tell families you know, and you hear me talk about this a lot. There are in my opinion. There are two phases to each and every one of our financial lives. The first phase of our financial lives is the accumulation phase where our main objective is to save as much money as we can to grow it in the markets as best we can pay down our debts, maybe help some kids out through school. But at the end of the day, our main job is to accumulate and grow our wealth. But when we get about roughly five years away from retiring or less, we start to enter the second phase of life, which is the preservation and income phase. We're no longer is our focus on how much money can I make, but rather Hanging on to the money that I've worked so hard to save and helping distributed throughout my lifetime, So it never runs out. Retirement. These days is so complicated and for those of you out there who are in your Fifties or sixties. It is going to be so much more challenging for you than it's been for previous generations because number one, we're living a lot longer, so we're going to need to take care of ourselves for a longer period of time, which means we need more money. Pensions are really kind of becoming a thing of the past. For a lot of us. Social Security has a lot of question marks around it. So again, the pressure shifts to you the saver to have to support yourself for a long period of time. Not only that there are many threats and obstacles we most likely will face in retirement obstacles that are going to try and knock us down and Increase the chances of us running out of money someday. Things like health care costs or inflation, taxes, stock market volatility, these air all things that If you're not prepared for could sink your boat in retirement, And here at the Burzynski group, we learned a long time ago that and you know the saying, right The jack of all trades is a master of none. And if we tried to be all things to all people Both those in the younger accumulation phase of life and those in the preservation and income phase of life. We would be good but not great at what we do, and that's where mistakes Khun B. Made so I let everybody know Don't get me wrong. I would love to help a 30 or 40 year old managing invest their money and I would try hard for them. But my good friends across town that are brokers at the big wire houses. They're going to do a better job than me because they focus on accumulation. But when it comes to helping a 60 or 65, year old navigate those threats of retirement That is where I believe we separate ourselves from our peers in this community. Because all we do here is eat, sleep and breathe retirement. I know I hear it all the time. You know, people kind of laugh at me because of how much they see us on television, and they hear it on the radio in the news. Yes, the Burzynski group is synonymous with retirement. We understand that, and that's by design. I want to help us many families as I can navigate retirement successfully, and and that's where these days we've got to have a strategy to do it. And luckily for us we've learned over the years what we think is the best way to do it. And it's through the personalized planning approach, which we call our roadmap for retirement plan and in that road map for retirement plan that we build for every single family that we represent and work with. We help them figure out how to build a proper plan for income and retirement, Social Security and pensions. How do I turn my income and my my assets into an income stream? Do I need an annuity income stream?.
"khun b" Discussed on KQED Radio
"Like pregnant call my husband at work. He's a high school teacher. So this means taking him out of a classroom of teenagers to receive the news on and I'll never forget his reaction. One word. Really happy hopeful. His spontaneous, honest reaction was one of joy. I slept right out of O, he says. Sorry about that. My mind started turning on me. I really went to some very dark places. I actually For a while consoled myself by thinking maybe I will lose this baby. This is the hard part of the story to tell. And for those of you out there who have gone through that I beg your forgiveness, but it just shows you How powerful fear Khun B. Anyway. Eventually, I made important with my midwife. And the first thing she says, is Diane. How did this happen? Are you kidding me? You know, this is why people don't lives. She told me I was helping you. He'd be fine, but she did recommend A test for birth defects that you can take as early as 10 weeks. When I'm filling out the form to take this test, there's a section for your age..
"khun b" Discussed on KTLK 1130 AM
"Life insurance plan Sometimes what you can do is you Khun borrow from the cash value and depends on what type of policy you have, If it's a permanent hole life policy to be specific. You can take the dividends out of the policy without it being a taxable event and without powering. Cash value. You would have to borrow that. That's another option, and you have the option to pay it back. If it's not paid back would be subtracted from the death benefit. In most cases, a smaller death benefit when you die. Some of the variable policies have a borrowing option that Khun B. A Gosh, half a percent or 1% net per year to borrow. And on some of the variable contracts, Universal life variable universal life. You can take out your contributions first. Without taking out your games depends on how the contract designed so we're kind of venturing into specifics here. But if you're not aware of how that works, you can always give us a call. Weaken. Help you look at your Actual contract. The type of contract you have and show you what your options are on that. Okay, so the A lot of people have may have a permanent policy from the past and not think about it as using it as an investment. But in this case that could be a short term solution for some people. Looking at home equity lines of credit thes air what we might call some of the last resort options. Withdrawing from your tax deferred and retirement accounts if it's a Roth IRA You can take your contributions at any age. Without a 10% penalty. It's the interest before 59 a half Would you encourage 10% penalty on a Roth IRA? Keep in mind. The gains are tax free. So many things to look at there, so that's when we say, Let's take an inventory of all the things you have. That's what we're searching for on your behalf. Oh, and you know again, we would reiterate that with the cares act there, depending on your situation and financial hardship, there may be some options to tap into qualified plans.
"khun b" Discussed on Newsradio 970 WFLA
"Way, have a lot of nicknames for it, but you'll cruise Lula, Chetta don't but we know your kids also have Bazillion questions about money. I wonder how many works anyone. How can you buy things with dollar bills? And they're just pieces of green paper who decides what things are worth? What is money made out of No, it's not paper because it doesn't rip. Yeah, those ones and answering them. Khun B. Uncomfortable, scary, embarrassing, just plain awkward. Which is why our new show is here to help. I'm dead. Kim from a new podcast from market place, called Million Bazillion made in partnership with brains on each week. We're answering the questions kids have about money and how it works. And making your life a little easier along the way. Join us as we go back in time to find out who invented money, because, yeah, there was like an actual guy, A king who decided Let's make a new technology and let's call it a coin. And we're going to teach your kids how to be expert negotiators. We're talking about life skills here, people So there's something you want, But in order to get something from someone else, you have to help them get there. I mean, my mom was like I could see that honest negotiations paid off in your very persuasive and we're going to figure out why things cost what they do. Starting with pizza. With help from somebody who really knows pizza. I get to eat pizza every day, which is Also my all time favorite food, plus finding out how advertisers trick your brains into.
"khun b" Discussed on NewsRadio KFBK
"There is a treatment for that. And then he talks about sulfur dioxide. Also, Khun B. In smoke from fires is a problem, and it works by inflaming our mucous membranes and causing issues for people who already have compromised breathing if you have a history of asthma It's gonna lead to more of an asthma exacerbation is well, it's going to bind to that muscle around that bronchial and cause it to spasm. And you may become more weezy in Maine medicines to inhale to help those muscles. Keep those airways open so lots to keep in mind as you move through the day and you're watching those air quality readings. On either your phone if you're if it's attached to your temperature, or, you know on your computer, I mean, this is just anecdotal. But I mean, how many folks do you run into these days to say, Let's see m my, my, my nasal, My nasal cavities filled up. I have a headache. You know, people are all feeling this role this feeling like there's just I think the headache is what a lot of people lot of people, you know. Get that and now you know why, you know, because your red blood cells have been clogged right with the women. I was on the phone with my mom yesterday. And she said, How do you avoid it? I said, it's really hard to mean you go inside. It is my husband went yesterday to the store to look for an air filter just for the and they were gone. There's still that bad s o. I mean, a lot of people are having to replace those. Don't forget to Do that. If you could find one right to replace your, you know, suit. At least you're internal Air states. Good. It's 8 20. So that means it's time to check in on traffic with the Bob Williams on this Wednesday morning. Look, Bob pretty good. Another thing with those airfields and make sure you get one with a little bit better filtration availability. Checked. Your Merv number's.
"khun b" Discussed on Kingpins
"At the end of January nineteen, , eighty to the forty eight year old coon saw lost almost everything. . In a matter of days, , the empire he'd spent years building had fallen since his escape from house arrest in nineteen, , seventy, , six Kuhn saw had risen to become one of the most powerful and infamous drug lords in the world from his base in northern Thailand. . He trafficked opium out of Burma refined it into heroin and sold it to organized crime outfits across. . Southeast. . Asia approximately seventy five percent of the world's heroin was coming out of the region. . Much of it. . Thanks to Kuhn saw, , and he was able to do it all with the help of the Thai government and Sean State Freedom Fighters. . But in the early nineteen eighties, , his luck ran out at the behest of the United States his type benefactors turned on him. . And on January Twenty First Nineteen eighty-two the time military descended upon his headquarters in the town of Bond Hint Tech faced with complete annihilation. . GHUNSA had no choice but to flee back to Burma taking the remains of his private army with him. . They left behind fifteen tons of weaponry and millions of dollars worth of heroin processing equipment as bad as these hits were coon son knew that far more damaging was the loss of the Thai government's support without their protection coon saw was significantly weaker and everyone knew it January twenty first proved that his militia was no match for a real military. . Embarrassed and betrayed ghunsa swore he wouldn't let himself be beaten. . So easily he was still the self proclaimed King of the Golden Triangle and a world renowned freedom fighter. . He would just have to figure out how to rebuild his operation in Burma. . The problem with going back to Burma was that he was essentially a fugitive there. . But looking at the political landscape, , he decided to take a gamble. . The Burmese military dictatorship was embroiled in ongoing battles with the Communist Party of Burma and a number of regional separatist groups. . Despite his relatively high profile. . Kuhn, , saw wouldn't be the government's first priority a more difficult problem for him would be rebuilding his army. . The only way he was going to hold onto his share of the drug market much less survive in war-torn northeast, , Burma was through military strength. . Kuhn. . Saw and his Sean United Army started going after smaller drug organizations on the Burmese side of the border with each victory. . The losing soldiers defected to Kuhn saw as they swept through the region, , they secure key trafficking routes and territory for new heroin refineries. . Seeing, , just how quickly and forcefully Kuhn saw was able to rebuild the Taya Thirties realized they'd have to make amends with him. . They appreciated that he was keeping the Burmese side of the border under control by taking over all the warring groups and their financial stakes in the heroine industry also meant they wanted to get back on the drug lords good side. . They just needed to convince coon saw that it would be more lucrative for him to forgive and forget their trail luckily for the Thai officials coon Saws Pragmatism won out over his anger. . In return for his forgiveness though he required that the Thai government's recognize him as the sole figurehead of the Sean State Independence Movement? ? This would legitimize his role as a freedom fighter on the international stage. . However, , in the years, , he'd been in Thailand other Sean separatist groups with stronger ideological roots had expanded their bases in Burma. . In particular the Sean State Army with whom Koon saw had an on again off again, , relationship had become a military and political force to be reckoned with. . If Kuhn saw wanted to even be the nominal leader of the rebel movement he was going to have to eliminate them. . February nineteen eighty-three Kuhn saw shan united. . Army. . Swept into the homeowner valley whether Sean States Army kept its main base. . It's close proximity to Thailand provided an easy escape route in case of attack from the Burmese government. . But for Kuhn, , saw, , the valley was also prime real estate for opium trafficking coon says, , troops faced little resistance the Shan State Army immediately realized they were outmatched and retreated Kuhn saw walked right in and took control of the home. . Valley. . In the village of Ho Mong he established his new headquarters declaring it the new capital of the future, , a Free Sean State, , but he wasn't finished coon sauce and a handful of his most trusted men into northern Thailand and assassinated several sean independence leaders. . By the summer of Nineteen eighty-three, , he had made himself one of the only viable leaders of the Sean 'cause and reclaimed his place atop the opium trade. .
"khun b" Discussed on KTAR 92.3FM
"At your house We've talked about just using the garage. With some minor modifications as a great overflow room. We've also talked about removing that load bearing wall that's been dividing your house in half since it was built. One of the other things people do. A lot is the carport to garage conversion. And people are always surprised. I seem to surprise people about prices were good at that. They're they're always surprised. A carport converted to a garage done, Rosie, right? Done with a permit done to code. Is it an easy Conversion know there's a lot more into it than people realise, is you can't you can't just you shouldn't just slap up a couple of wood frame walls and stick a garage door on it and call it good. There's ah When you go from a carport to a garage, there's a whole different standard with garages from electrical toe fire safety. That's one thing that people don't realize is there's fire separation standards. You know that. That entry door That was going in tow car port, Your little Bel Air window? Yeah, that little window. Well, that didn't work anymore. You're not allowed to have a window in the door going from a garage, too inside the house. I've even seen it in some interesting conversions where there was a door that went into a bedroom, which is that you can't have door going from the garage directly into sleeping quarters, so You gotta change out those doors. If there's a window in the wall, you know, a lot of a lot of our red brick Holmes had a window. That kitchen scene looked into the carport You've got What a beautiful view for money. You know if you got a nice, nice car, other got that Mustang parked out there. So you know you've got you've got to get that closed up now on DH. It's all gotta be meeting that fire separation standards for a garage so that that's just one of the considerations and one of the considerations. Nobody Ever thinks about is you Step down in your carport. You don't wanna lay a wood plate. At your carport level, You actually have to build a masonry stim wall up to above or at least to finish four grade of your floor of your home. Then start your for nobody doesn't know we I see so many carport conversions dire there. Just that would stud wall is down to that car port slab lever. Level and you can see it every time there's water stains ride damnit termites! Termites love that ever conduce. Every time it rains, water comes under that wall. Why? Why is this happening? Well, it's because it's not upon a stumble just, you know. It's It's just coming right through there. So that's another one of the considerations. Another tricky one. Khun B. How low is that beam that's going across the front of the court for a vehicle door? You can't just go chopping into that beam to run, which we've seen. Make gosh, talk about your skin crawl and you just got out eight inches of this B might have room for an overhead knowing you'll see it with not to get too technical but glue Lam beams with people may be familiar with which is basically a bunch of two by fours are two by sixes laminated together. You know, I've cut those not even touch him. Not you Can't touch that, and gosh. The stuff that people do sometimes so there are three That we see at Rosie, right remind, like most often Carport to garage conversions. It's a bigger job than you think. But it's still cheaper than building a freestanding garage, and it's still cheaper. In a room edition. Getting rid of that load bearing wall separating your living room and family room. It done right? It's more expensive than you think. But it's cheaper. And putting on a room edition. And in that garage, insulating it, putting some lights in there, a poxy coating the floor doing a mini split. It's the money, but it's cheaper than room addition. So there's three great things to consider..
"khun b" Discussed on Newsradio 970 WFLA
"It is an incredible incredible opportunity. Ah, the cost that banks borrow money at is generally around 1%. So if you if you think about it for banks borrowed money, and they're selling you that money for 30 years at 1.99 they're not making a big spread. These rates cannot get much lower than they are. I would have bet my car. I would've bet you my house. Doug, if you had asked me a year ago will ever see a 30 year fixed under 2%. And I would have said You don't my house and you don't my car right now, if you had met me on that, um The thing is, what people need to know is the rates are available. You can get it. You can get it. You know under that on a 15 or 10 year, probably 1.75 something like that. But you're gonna have to pay points the these rates and that the market is not the same as what it used to be used to be. Where you know you could get up to two point something. Radio, maybe 2875 which is still can't you can still do 28758299 And pay no points. And if you're wondering what point is, AH, point is 1% of whatever you're borrowing. So if your loan amount is $200,000.1 point is $2000. People say. Well, if I'm gonna re file have $2000 to spend to do it, You don't have to spend any money on a re fire. The only thing you should ever come out of a pocket on a re fires for your appraisal, and generally those air 452 $475. Sometimes those can be rolled in. Sometimes those Khun B waived especially if you're not getting cash out. So for little to no money out of your pocket. If your rate is I'm going to just even a 3%. You need to make a phone call. You're welcome to call 813 Mortgage. Just tell him you heard us on the radio. You want to talk about getting a lower rate, so so without having to buy down a rate, you know what could someone come to you with good credit? Good everything. What's the cheapest rate someone you can get without buying down for no cash out okay, or for a purchase, so arrayed in term, re fire or purchase. You should be with great credit. Good equity. You should be in the mid to high twos made to hide. Not higher than 299 Let's put it up. You darn well will not be in the threes. Now, If your credit is a little, you know, not perfect. You will still be in the threes. You know, Matter fact, Doug. Here's a real good because you and I are investors. I priced out for somebody the other day on investment property. Cash out re fine. The guy had AH is about 70% loan to value. 7 60 credit If I remember correctly, I told this guy he could actually get a rate at 3.3750 my gosh. Right. Did you throw up in your mouth that I hear that that's crazy in same insight. Now he's going to end up Probably paying point 1/2. You know, maybe two point something like that. Guys who cares if you're going to keep the property for a little while, 5 10 20 years? You want to pay? You want to save the money? I always tell people as long as you're you're breaking even in half the time that you're gonna keep it. It's worth it. If you're gonna keep it for 10 years, and you're breaking even in four or five years, you're still making money for the 2nd 4 to 5 years. What you don't want to do is sell it a riff, Iet Within your break, even period. But let's be real. Doug, you're not going to sell. I mean, sorry. You're not going to re five for a lower rate at that time. So, guys, my point is, Get off the fence. Call 813 mortgage. Tell Jennifer when she picks up the phone that you heard me on the radio talking about it. Well, we'll get you assigned to one of the yellows and we'll get you a really, really good deal. You're welcome to ask for me when I'm available happily talk to you guys. I think the business biggest biggest issue people are facing now is there's just no inventory. Yeah. Yeah, And that's what I'm hoping Cindy can come on the show with us talk here. We're going into the fourth. What do you call it into the fourth segment here in just a minute on DH. If not you and I can talk about it. But inventory dog. It is It is. It is insane. O matter fact, Cindy just made a mess of this. She's only got one minute so we'll have to bring her on in the fourth. Alright. So, Cindy, we're gonna bring you on as soon as we start the fourth segment. I'm glad you're there and you can talk to us about inventory because I will tell you I have never seen inventory so low. In my 21 years in the business on we'll find out what Cindy has to say about it. And the combination of of low interest rates. It is a perfect market. Yeah, if you're looking at best, buy a second home to live there, whatever it is. Don't have to take get on it. Uh, Doug, How about roofing? 888888 roof. I mean, you guys you guys are still doing, you know, doing okay out there and you've got great deals on the roofs. If somebody's going to do it, it's probably the right time Now when you can find the leaks, right? Yeah. I mean, we've kind of had a dry summer, so that doesn't help. But, you know, our apparent vision of super busy rear flies were a little slow, but Once it starts raining this summer, we'll get we'll pick back up. That's right. Alright, guys were taken quick break in the business. Happy hour with Doug Ford and Franco will be back in just a minute, with.
"khun b" Discussed on Newsradio 700 WLW
"Rules where people can have that outlet if they're looking for it. But to be in a safe place and for it to be done in a safe manner. And again. This is something that if if folks can't follow, we'll have to take other steps. So LaTasha Good afternoon. A little. Again. The governor said. We are issuing a new order today, effective tomorrow, which will allow bars to reopen and restaurants to open at 50% of their capacity. Both bars and restaurants will operate it 50% capacity inside, as the governor said. We want to promote people still using that outdoor space and maximizing that outdoor space because in the end Everyone's a little better outside when doing this. You want to hit a few really important requirements to help keep bar's open and restaurants open at this capacity. And all of these details. Khun B. Found are healthy at work, which is healthy at work dot k y dot gov. Some of the big point are. We want everyone to stay seated, whether in a restaurant or a bar, you should be at a table with your group or your household, and there should be six feet of space in between each of those tables. And the governor has put up pictures before where we found bars. People's shoulder to shoulder. That's exactly what we don't want to happen again, and plenty of people did it right. I just want to make sure that with this fresh start, everybody gets off to the best start. We can keep things open, and nothing contributes to spread of the virus. There's no congregating at the bar. So if a restaurant or a regular bar has a bar area Service should still be at the tables. No one should be sitting there congregating the mask order still,.
"khun b" Discussed on Newsradio 970 WFLA
"A I think he's asking Attorney on 97 W F L A practicing attorney law. This is open question Number 800 969 952 That's 809 699352 Phone lines are open. If you have one to me about anything, wills, trust, probate, guardianship, power attorneys, healthcare surrogates, Khun B! Ah! Personal injury. Khun B. Real Estate, Khun B family Law. Just any question you might have you have a concern about if I can help you. I will. I've actually practice and all of those areas sometime during my career, mainly doing right now is stay planning, but we have other attorneys in the firm that constantly do another. Areas of law. And course I'm involved in all that, because my firm so more than glad to help you in any way I can. If you have a little question 800 9699352 Phone lines are open. And all you have to do is have a little question. Why worry about it? You know, when I get some peace of mind when I get some information, some direction to help you out and again again, Tollfree number 809 699352 I get asked all the time about If a young person what's the best age to create a will Does a young person need a will? Suppose it's a young person who.
"khun b" Discussed on KDWN 720AM
"International travel company Oil Check in the transmission fluid. Making sure the tyres had the right air pressure. Doing everything that he knew how to do. He was tuning the truck up so that when he went out on the road, there were no surprises. And this concept of doing a mortgage credit tune up is the same thing. Before you go and try to purchase the house and make what will arguable B that the art but will arguably be the largest purchase of your life. Go spend 350 or 400,000. Whatever the numbers Why not? Make sure Take a little little point from my last story. Why not make sure that the cost of money Is as Keep a zit Khun B. If you owe 3 50 on your home and your 5.35 as an interest rate You've got good credit You can refinance down toe, You know, three and 1/4 or less. If your credit's great all of a sudden you could knock 500 bucks a month off your mortgage. Pretty good. Six G's a year. All because your credit's.
"khun b" Discussed on KTRH
"And what happened in 2008 scared you? What happened this year with the covert crash says scared you and you don't want a lot of your money in retirement in the market. Maybe you're comfortable with some, but that's for long term growth purposes. So for someone like you, how do we build out that retirement income plan and still get you into position to where you have income that income Khun B, increasing over time? And you don't run out of money. That's the most important thing we want to outlive our assets, not have our assets outlive us. So sticking with this. This diagram here you have your two social security boxes. You have a pension. Great. If you don't in the private marketplace, you can make a deposit with the life insurance carrier. Principal can be 100% protected for market losses and you can get guaranteed growth for income purposes. You have several different calculations and formulas of how these carriers do this. One of them out there Right now, you can get a 9% guaranteed growth for future income. Now the catches whatever your money grows to a 9%. You can't walk away with all that money. But what you can do is ensure that you have a much higher pool of money in the future to withdraw on income from and typically you're gonna get 567% of that higher balance. And you're gonna get that guaranteed for life. Let's say you put 500,000 into something like this, and it grows to 800,000. And let's say your 65 years old. You multiply payout factor, and it's based on your age. Typically, at that age, it's going to be 5 5.5 6 6.5% depending if you choose a single income or joint income, Let's just say 6%. You multiply 6% times that 800,000 that the 500 has grown, too, because of the 9% guaranteed growth. Get you $48,000 a year. 6% times 800,006 times 8 48 $48,000 of paychecks 4000 month being deposited into your account, no matter if you live to 75 or 125 That paired with your social Security now creates what we call a floor of income. Let's say you have 65,000 Social Security checks. You took 500,000 of your money. You utilize one of these tools to get a guaranteed income to supplement that. Now you have the 48,000 plus the 60,000 You have 108,000 of guaranteed lifetime income paychecks and then the rest of your money. Then you can look at that. Let's say you have another 500,000 Put that into a stock and bond portfolios, depending on your risk tolerance. Personally, I would like to see that money go into dividend paying stocks so we can get 3 3.5% dividends, and that's another source of income. If you don't need it now, great. We reinvest that income accumulate more shares, which will give us more dividends. Payments down the road. Now what we've done is we've created going just across this diagram. Social Security's maybe have a pension. Maybe you don't. You've created a private pension. Then you freighted dividend income, which can be increasing income because many companies have a long history of increasing those dividend payments. Now, All of a sudden, you have 12345 maybe six different places where you're getting income deposited into your account on a monthly basis, whether the market's going up for the market's going down That, for my experience brings a lot of security to people, and that's one of the ways that we can help build you a retirement income plan. But everyone's situation is different. We customized these based on who you are. What's important to you what your needs. What are your wishes and wants? Customizes plan through our financial planning team are tax team, our investment team. All of us working together to help build.
"khun b" Discussed on News Talk 1130 WISN
"Khun B. Used to help pay for care, like every little bit can count and another category to talk about his life insurance policy. Now this one congee get A little more complex if it's just a term policy, But there's a certain level of a term policy that you can use where you don't have to wait to die tohave. It is benefit. So we've had clients who again they've been asked yet. Poor, but they had Term life insurance policy and those policies Khun B. Used and leveraged on the market so that you get a payout. Of a certain percentage of that policy to use it to pay for your assisted living. Why not use that while you're alive in order to live healthy and well? In a community that has a great care history where you are, you know, received lots of dignity and lots of attention. And so that is a possibility to use. There's cash values. And, of course, in those policies those could be tapped into real quickly. Next, there's long term care insurance. Many adults did purchase these products. Those who are, of course, bridging into the assisted living in memory care these days and They would have purchased him say at the turn of the century, maybe up until 2010 or 2 2008 That is the whole topic in and of itself. I'm sure that his son has had a long term care insurance agents on programs to talk about those policies. That's not my goal. But what care patrol does is we help make sure that Everything is in place in order to qualify that person at that community and kind of go through the difficulties of, uh, that those programs There is one company nationwide that we can refer to that will help families do all that processing for them so that no one has to be bogged down with that work because it's pretty Complicated with some policy cos I think of finally then. Oh, I have a few more minutes here. Yeah, Yeah, I think I'll just go into When you've exhausted your private pay resource is so let's say that you sold your your house. And you used a little bit of savings that you had, and now it's You know? The 26 months later and together We chose a community that required 24 months of private pay, and then you could go on to a Medicaid product. So that Medicaid product for assisted living in memory cares called family care. Now that is a state funded program for assisted living. It's not. It's not a straight Medicaid product. And there's a process to go through. In order to apply for it. We will guide you and direct you for how to do it when to do it, and it's specific for each county in terms of that process, But again, I want to say that assisted livings have Policies for when they will take that product so some may never take it. Some may request to your private pay Others one year, others six months, others zero months and, Ah, it just really varies out in the marketplace, but we will walk you through that product. And I just want to encourage people that just because you go on to the family care does not mean you won't receive quality care. There are someone there are many wonderful Assisted living operators out there and they have great care teams. The oversight is excellent. And I know you don't have to move. Its just the funding for your existing care has shifted. So we want to make sure that that move happens. And then the funding available will be there through what would be a potential end of life because no one wants to move more than one of his age, right? So one of the things we do, and Todd does so well is well triage finances and try to find money..