18 Burst results for "Manji"
"manji" Discussed on And Now The Hard Part
"Of which are among the five countries that have the most muslims. So i guess the question is who gets to decide what islam is who gets to decide islam's role in public life yet so i think that when it comes down to it. Muslims are individuals especially in individualists culture. Like america's where we do value that each individual makes their own choices and ops for their own approach to religion and we have the freedom to pursue that here in the us as muslims. Than i've said. Before that. I think america today is the best place to be a muslim in large part because muslims don't have to worry about being persecuted by the state if they have unorthodox views that they can be muslim in their own way. And that's a very powerful thing. There's also some tensions too because if you're a muslim people think that you represent your group and sometimes you're expected to speak on behalf of muslims read large which is problematic in one example of this i think is whenever there is a terrorist attack that is committed by muslim. There's pressure on american muslims to offer condemnations that we have to put out a disclaimer on twitter or something before we say whatever else you wanna say we have to have a kind of pro forma denunciation. I've actually have a policy where i don't issue those condemnations because it should go without saying that as an american i'm against terrorist attacks kill civilians. No one should doubt that. Just because i happen to have been born muslim and so i think that we have to start moving away from this idea. In his ershad said it's muslims ultimately through their own individual actions who will shape how a slam evolves in the coming decades or centuries. I don't think that islam can be anything we wanted to be. I think there's a cradle foundation. I think there are things that just like to be a christian you believe in the divinity of christ in some fashion to be a muslim means that you believe certain things about the koran or believe that prophet muhammad was the last prophet so on and so forth so those are the core things but beyond those core things there is incredible richness in diversity shoddy. I was struck by how you said that one would rather be a muslim in the united states today than in any other country on earth. And you think of bangladesh or indonesia or even saudi arabia just expand on that a little bit wise it better to be a muslim in the united states than anywhere else. We'll first of all in the country of my parents egypt. Egypt has been pretty repressive country for much of its modern history. Unfortunately and if i had been born raised in egypt instead of the us. I would've lived a more constrained life in terms of the opinions that i could hold and share publicly so i think that islam flourishes in context of freedom and pluralism maybe not unlimited freedom. There's always limit to to freedom in different societies. But if you look historically at the so called. Golden ages of islam we see much more intellectual openness in intellectual inquiry where people weren't condemned for having an unusual position on a theological issue or debate and america provides that space to have intellectual debates about our faith and about deeper questions around doctrine in theology. So i think that if you value this kind of personal search for religious truth and being comfortable with your own religious identity and what could be more personal than that right than the. Us is a very good place to pursue that which by the way is precisely why in conversations like this. it's as important to analyze pressures to clam up and conform that are coming from within muslim communities as it is to look at pressures from mainstream society so square the circle for me your shot because on the one hand what i hear from you both is is that the united states is is a great place to be muslim but on the other hand so many of its policies have also showed an america at its worst. We've seen native ism. We've seen xenophobia. We've seen islamaphobia. How does that all add up. Well it adds up because human beings are complicated and when we don't know the other whoever that other may be it could be a muslim. It could be a queer person it could be somebody living in the south a white guy living in the south whoever your other is it's very easy to dehumanize that person or that group because you don't have a relationship with them but when people begin to develop relationships across divides that is when the love of which i spoke earlier in this conversation begins to emerge and the trust begins to develop and people begin to see well for all of our differences. We actually have some shared ground so it turns out that you're part of us and my us just got bigger money thanks earshot monje shoddy hamid shot. Monje is a scholar and author of. Don't label me how to do diversity. Without inflaming the culture ones and shoddy himmy is the author of islamic exceptionalism. How the struggle over slam is reshaping. The world. He's also a senior fellow at the brookings institution. Thanks for listening to global reboot. I'm raw viagra. While foreign policies editor in chief our podcast is a partnership between foreign policy and the doha for our production. Staff includes rosie. Julian rob sachs dan. Ephron darcy polder and simone peres next time on the podcast. I'm joined by professor and author rachel vogelstein to discuss how the fight for gender equality has been impacted by the pandemic. Let's face it. Women have been disproportionately more affected than men in terms of job losses shouldering more housework and family care so the question is how can the world do better at not leaving half of its population behind. That's next week on global..
"manji" Discussed on How The Heck Are We Gonna Get Along
"Without division and it is a series of professional development offerings for teachers were teaching educators. How to teach diversity in a way that is not devicive and were soon to be rolling out the business and higher ed version of diversity without division. So if you're interested please come to my website your shatman dot com and pigmy on social media at your shed manji on twitter at real ear. Shad manji on instagram. Let me know you're interested. who took. Who took your name became an impostor. And you know what. I'll lose back. Oh no. I didn't do them out of the water. It's right yeah both end so so what. I what. I'm really wanting to leave. The audience here with clay is the hope that there is an alternative to the us against them dynamic. That is dominating our country today. There is an alternative. Be a part of the solution people and that's the only way that we will continue to be these united states of america. Well we've got asked. You are key question here and i got also say it's sort of becoming i think a challenge for the producers of the show to try to find someone who i can fight. We did because we didn't find we didn't fire. You know club us great. We got long highs. We took a both and approach. So what we're showing is how to fight in a productive way. We did fight but we did it. You are if if that is what you think. Fighting is lowered knows. I don't ever want to be in the room when you to be in the room. When i'm mad i wanna tell with terrorists. Okay bona fide terrorists. You're right. I am analysis but i listen. I have loved this and i really encourage people to pick up. Don't label me your shatman. Jeez book you can follow her on twitter and instagram. But you have to put real in front of your shot. Instagram on on instagram but twitter. She's got her own name and check out our website as well. Because i have totally really enjoyed this. And i've loved it and i was gearing up to have somebody. Academics agree with tonight. That didn't and i had so much fun. But you gotta tell me up before we go should manji. How the heck we're gonna get along by developing the moral courage to take disagreement as an invitation to engagement..
"manji" Discussed on How The Heck Are We Gonna Get Along
"How many journalists have been fired or cancelled by their media outlets and have gone on to another platform called sub stack where they are not edited. They are not supervised and have made four more money on that platform and have a far greater reach to say nothing of infinite freedom on that platform then on the previous ones. The point is this the point. Is this if you are going to allow the so-called bosses to determine for you what your integrity is then you've played a part in their power horning if you have to stand up for what you believe and risk being fired for it. Do that do that because today. There are many other options for you. But does barry weiss but does vary wise for example. I don't know if that's who you're talking about andrew sullivan but there are those folks but but yeah okay but do they have andrew maybe a bad example for me a good one for you but do they have as broad a reaches. They would have if they go to sub stack. I mean i keep thinking that those places in end up just putting us into silos berry. Why scott fired from pushed out of the new york times because of her her positions and her belief that okay. The new york times should have allowed tom. Cotton to run that op added cetera. But she went to another smaller subscription based model and yeah a lot of people followed her but they were the people who probably wanted confirmation that they because they already agreed with her right so while substance in these places are successful. Do they put us into our little silos for. If we're only getting our news from those being put ourselves into those little silos it's not platforms. That do it Berry could if she wanted to write about so much more than israel and cancel culture now those are her particular obsessions and fixations. You're going to blame that on sub stack or you going to put the responsibility at her feet. No i'm certainly not blaming it on substance but i'm assuming that those people who now read her are those who liked her all she's probably not changed that's for sure where she might have where she might have had she stayed had she been allowed to stay or been able to stay at the new york times. And i'm not saying. I agree with her and everything. I agree with her on. Cancel culture more than i would think i would but she but she. She had a platform of the new york times. And now she's speaking to. she's preaching. She has done that to herself. Clay by obsessing with these two issues if she decided to write about so much more than these two issues she would actually be able to give her audience something new to think about she would be able to challenge their biases if indeed securely. I don't follow her clearly analyst upset. Because i didn't know she wasn't doing that already. Just assume she was about at all but i didn't go into this is hundred. I've seen the point here. Is that it all comes back again to how we human beings choose to operate right if we choose to say screw you. I'm not interested in talking to anybody who disagrees with me. No wonder you were at the point we in this country and that you cannot blame merely on politicians if we don't give politicians the power to do our thinking for us then they won't have that power it is that simple so it's not enough to castigate all of these media outlets and platforms and companies. Who agreed are not saints. God knows they're not but we are the consumers and we are the voters and if we choose not to play on their terms then they can't succeed. I we're just gonna go over one time. Because i really want to let cure for muncie esker question. Sorry to everybody else just ran my mouth tonight. Carer from muncie wants to know if it's okay to divorce her family ever politics So here what i want to know is have you given it a good go to try and speak with your family and to speak with them. Not from a defensive crouch not. it's my way or the highway but rather from a place of sincere curiosity and attempt to understand if you have if you honestly believe that you have done that instead of something your your chest about feeling. Good over the position you've taken then. Yeah if that's what you have to preserve your dignity and your sanity. You have every right to leave relationships that are just draining you. I ask you only to remember the story of genesis and lewis. Had genesis decided that because lewis wants to keep the flag the mississippi state flag as it is. He must be a racist. And therefore i have nothing to say to him. I can't be his friend in any way shape or form. Imagine the change the social change that she would have left on the table because she walked away prematurely. Care i'm gonna. I'm gonna learn from your shot and say yes and i love you already. Don't maybe maybe don't talk about politics. Dammit go to dinner and play checkers get the monopoly board out and remember. It's your family and one of these days. Your political opinions might change. There's might change. Your friends might change and you might be an old maid. Sitting in muncie indiana one day with no family around you. Because you've gotten upset over. You know that guy who was president twenty thirty years ago back in twenty nineteen so you do care what i do. Which is just. don't talk about it. Everybody my family if you if you're writing you know because you've listened to the show you know my whole family voted for trump and i don't agree with him on anything and we just don't talk about it. We know better than to do that. So don't i is it so have that right and and you can do it. But i think there's i think she you also said his shot that there's a whole bunch more in this life to consider our role model and our example politics and so maybe y'all should start watching general hospital together to do. I don't know that's the only so far left own. I think. I feel like you just joel. It is something that y'all can talk about. It is now. They got rid of guiding light. Which was my favorite. How so don't label me is the book. How can we watch moral courage tv. Where can we see people asking some some of these uncomfortable with youtube and input moral courage channel and uproar calm and a ray videos. I also want to say if you're okay with this that my team and i have literally just come out with a with a project called diversity..
"manji" Discussed on How The Heck Are We Gonna Get Along
"We had that sort of discourse with people so i think back one my good friends meghan mccain who called joy behar bitch on the show a few years ago and people are all up in arms but both joy and she knew exactly what she was saying she was saying in a playful way. You don't tell me. What did you bitch like that. But we now so used to being on our phones all the time. Tex emails nothing is verbal nothing is audible. So we're so used and therefore it seems to me that language even when spoken to and from one another so much of it's written down you can't hear tone you can't see here tone in email and so now this language takes on whatever the most you know i guess you. We assume that the tone is going to be the negative way no matter what especially if it's right with again brilliant point on your part because the thing about social media even something as supposedly innocent as texts and emails is that they do not convey facial expression they do not convey body language and they do not convey tone and so if we are in any way any one of us is quote triggered by something that someone has said the. It's the ego again right. It's the ego that damned fricken ego. That will manipulate us into believing that we must assume the worst intent on the part of the person and so instead of actually asking. Hey could you just unpack for me. Or what did you mean by you know by x. instead of just clarifying we will go ballistic and again guess what we have not made the situation any better in fact well if anything we've given them. What if they if they minute in negative way. We gave them exactly. What the hell they offended and if they didn't mean it in an offensive way then we've we've ostracized an ally that's right and this is what i mean klay about allowing ourselves to be manipulated by the ego. You know it's like we have a rational side. If only we remembered. And i do mean you have to remember this in emotional situations you have to remember that your emotions are not the boss you can respect and name what you're feeling but it doesn't mean you have to cater and capitulate to the worst of what the ego wants from you. You are your boss. Feel like i'm getting health care. I'm writing all these nuts down you can for no it's good. I'm taking notes. Good brett from national says his transgression. Essential to humor or missing the point. Wow that's a great question. What what would how would you answer that. I don't know if i can. I mean i is. It is essential to humor. I don't think it's essential to humor. And i think some of the smartest comics are the ones who are able to make the joke without but at the same time i do find it funny and therefore i don't get offended by listen. They're very few people. I think at least between the years of two thousand three and two thousand eight. There were very few people who were the butt of a punchline national combat nationwide comics than i was and did it bother me at the time. Yeah i'd be lying if i it didn't bother me. It did a little bit but at the same time. I do remember the very first time i watched a show and heard my name used as a part of gay joke where i wasn't the butt of the joke and i thought cam that was impressive. Tina fey how you wrote that joke in thirty rock and i was it was still a joke about gay and i was in it but i wasn't the punchline and i thought see it takes it takes intelligence to be able to make it funny without making the difference or the you know the unique trait of someone the butt of the joke but again like i said i'm in the school of like we just said before if they minute to be mean and i get upset by then i gave them what they wanted so i just don't find it. It doesn't let me. Do you think that humor is funny when you. You can't tell me that you don't laugh sometimes when there's a joke about minority hell. Yeah no no. And i would never deny that clay. I gotta tell you that. I am an advocate of free speech. I'm an advocate of free speech because when people have the freedom to express themselves in the way that is authentic to them That is when you know really clever interesting fringe ideas begin to circulate in society. The point being that if we always walk around self censoring then. How boring are we. We can be so predictable and worse than being boring. The talents that we have to offer may never rise to the four because we feel we need to suffocate them in order not to be cancelled. So i say i say when you want to transgress and by the way this word transgress i go back to the earlier question that you're that you're listener. Ask who the hell decided where the line is. And therefore whether or not i'm transgressing. Right coup decided that but okay. Whoever your boss was who canceled you and fired you. Because that's i guess they essentially designed they will decide clay. that's that would they. Don't you think okay. We might get a get to disagree here. Finally don't you think that they decide whether or not to accept it yet. Because i think about all these folks who have been fired recently because they did this or did that or the other and i think to myself. Yeah okay maybe be seeing your point that society in the twitter sphere and all these other folks place this on him. But all i have wanted for the past year is for one company to stand up and say no. We're not gonna fire this person. Because they used the term negro in in nineteen seventy six in a in a article they wrote in nineteen seventy six. No we're not gonna fire them for this. Everybody else needs to grow up and just get over. I've been waiting for one company to do that. Bone apetite a few months ago. Fired one of their columnists because she had written an article about a traditional jewish dish that that's eaten during passover seder whatnot. She got fired and they cancelled oliver stuff. And i thought to myself who over there conde nast didn't have the balls to say this is bullshit. Y'all grow up twitter because so yes. I do think that they don't decide. I do disagree. Finally with you on that because i think they decide whether or not it's acceptable. Now i'm going to you know i'm all about both and i'm not about either or so even though we disagree on this particular portrayed. I'm going to add to it. You are right that they get to decide the bosses for their particular company and notice..
"manji" Discussed on How The Heck Are We Gonna Get Along
"Hurt me and and i do this. It's so much work though for people to do what you're talking about though. Is it not in the natural human instinct just to yes. The natural human instinct is to feel threatened and therefore to lash back. Now let me ask you this. If you deeply care about a person or about an issue and you actually want to make progress for that person or on that issue what are you achieve by mocking ridiculing and humiliating your other. What do you actually do you move the needle. probably you. don't move the needle but for some folks some for some folks this self esteem. If their self esteem is low enough they make themselves so they make themselves feel better for a bit and then somebody else calls them out on. What is not their self esteem. But really is there era guidance and self righteousness and then they become threatened by that and lash back against that. And do you see how it becomes a vicious cycle. A vicious vortex where you're constantly having to pull yourself out of this misery this ugliness that you're getting into because you are operating from a place of fear rather than from a place of true confidence of true esteem. What true esteem allows you to do is grab a little bit of humility. If you are a truly confident person you will be able and willing to hear challenges from those. Who don't yet see the issue from your perspective. That's what confidence and esteem allow. But we live in twenty twenty one now and everything is about one hundred eighty characters. I guess it's more than that. Two hundred eighty characters now on twitter or quick sound bites on tv. And i just can't imagine that someone who wants to be empathetic and to listen and to not be combative would find much and i'm putting it in air quotes success in venues and avenues like twitter and and cable news or in the media in general because some of its so much of it's based on either. Get a laugh or a reaction as quickly as you can on any of those avenues. So do you use. Do you use any social media and twitter and all that stuff you want. And it's just i find that. Listen the only times. I have anything that i say on twitter. Anybody a flying flip about. Its when i say something bitchy and when i do they get like tens of thousands of re tweets and likes or whatnot. But when i say something just nice. It doesn't get attention. So what is the motivation for people to other than other than the obvious which is to actually have an impact. The arms other than the impact is incidental right. So if impact. But isn't it incidental to a lot of people. I mean seriously. isn't it incidental. Don't most people want just the tension or the or the accolades and the acclaimed. This is why one of the challenges that i always issue to my students be they adults or be they. Teenagers is. let's get real for a second friends. are you in it. Meaning whatever movement. We're talking about. Are you in it to make an actual difference or are you in it to feel superior about your position. Be honest. Come on now. And and here's the are they honest today. Admit that they're the they do. That's great actually because nobody has ever challenged them with a question like that and because they're not expecting it clay and maybe after this podcast will but because there will. Nobody's listening to this week. It's one listener are one. Listener has been too busy talking to me because they've never gotten that question before they haven't prepared for it in so the only thing that most of them can do is come from a place of honesty and they'll be squeamish about it. It's not like they'll go. Yeah i'm in it for self serving reasons frightened for no go out and i'll be like okay. Thank you for your honesty. I'm not going to judge you for that. I just want you to remember this moment the next time. You want to call out your so-called opponent. Kay i'm gonna ask you to just remember this moment and i want you to know going into your call out into your cancellation that you're not gonna make a tinkers dam of difference so have a great time because you are now part of the problem not part of the solution off your damn. Yeah that's true. Yeah no you're right. I mean i have so many other things that i wanna ask you about. But i get onto some questions that came in from listeners. Because there's some really good ones. And i think that clearly some of the folks who who wrote in this week are very familiar with you and your moral. Sorry my think my pages the your moral courage tv and your willingness to take any questions rav rav deep from baltimore asked straight out. Why and win. Was it decided that i'm brown. Instead of punjabi brilliant brilliant so. I can't be sure that this is what rub deep is is getting at but what he's saying i think is excuse me why are other people deciding for me. What my identity is. I'm me. I will decide my identity. Thank you very much and you know. The black lives matter. Movement has sort of tapped into this habit that we human beings have to group people into the categories that makes sense to whoever's doing the grouping that's in fact what the early american colonists did right to black folks. they're black therefore they are not of. We will be the ones to decide what they are and therefore who they are we will be the ones who decide decides the language anyway. I mean at at at some point in our history of in the united states certain terms were more acceptable than they are now. Certainly words like negro were acceptable in the fifties and sixties today. If i were to use that to describe someone. I would probably be cancelled. Bathrooms and water fountains in jim crow. Not that we should have ever had them separate but they were colored was acceptable. White was obviously color. Does not acceptable. Now who chooses these words who decides that poop is a perfectly fine word but shit is a cuss word. Glad we're finally getting to the things that matter. I was wondering what's the would start talking about that. So this happens in a lot of different ways and often. It is like a perfect storm of circumstances where a popular figures in our say x. and then the media picks up on that and repeats that and then scholars and academics begin to use that word and then they teach it to their own students who then go out and replicate. You know these words in other words. It's not any one person. Obviously who decides this is what it's going to be called but rather it's a process but it's also not society is it. It's not really know you said scholars and media and what. I read something the other day that said that bisexual was an offensive term to somebody on twitter. Because that's where all the most thoughtful conversation and of course happens. That bisexual was an offensive term because implied that there were only two genders and we should never use the word bisexual sexual at all. It should be pan sexual only and i thought wait a second. Am i going to get in trouble or cancelled in a few years. If i use the word bisexual custody offensive to a few people and i thought do do can at least send around an official fucking email. Nemo win a word becomes completely unacceptable. Like things change and i'm not getting. I'm not seeing the bat signal. That tells me win. Something is right or wrong. Were you consulted by the way. So it's profound craddock right. But you've put your finger on something that i think actually is worth just reflecting on for a moment. This is one of the reasons like who decided who died and decided that we will now use this word instead of this word and moreover that if i don't use the new word i will be called all kinds of names that are based on. You know on assumptions about me. This is so much of the reason why trump was elected in the first place. Is that a lot of people who supported him. We're wondering what what just happened. And why am i now being labeled as a racist as a bigot as an islamaphobia as a homophobic when people who are making those claims about me know nothing about me. Well because you can at the same time you could. I could call you i. It's intention right. It's not necessarily language or at least it should be. It should be tone. I could call you queer right now in conversation and you would know that i have no intention to use it as a as a or or whatever as a distributor but if i called you a queer in a derogatory way derogatory sense right as a pejorative. Then you would know the difference because of the laos said it right so it used to be..
"manji" Discussed on How The Heck Are We Gonna Get Along
"Means revenge reparation which means to repair. Revenge and repair are very different. Things pay back has never ever amounted to progress. What does amount to progress is moving beyond the very mentality that has led to the injustices in the first place. So saying but you're shad it's my turn as a black american or might turn as a person of color that's fine. Of course you are entitled to your turn. The problem that we are facing is that you're interpreting your turn to mean at the expense of other people and that's they deserve. That don't deserve their turn. Clay of everybody does. I deserve to take a magazine. We see in asking that question. I know you're you're you're playing devil's advocate here and bless you for that. We're turning this into a contest where there can only be one winner. And what i'm saying is we've got to move beyond that mentality into a mentality of scarcity where there can only be one winner but mentality of abundance were. There can be many winners at once. Let me tell you a quick story. If i may in. Don't label me. I tell the story of two people. One is a black american by the name of genesis. She's young hip hop artist. Whose grandfather was murdered by the k. k. k. So for her history is not abstract. It is deeply personal. Enter lewis young white working class guy for whom history is also deeply personal in that. He's the descendant of a confederate soldier who fought on the side of the south during the civil war. Now the issue here for the both of them was the mississippi state flag which at the time featured the a confederate era imple- and genesis wanted that emblem replaced with something truly inclusive and louis disagreed with her for him this was his heritage instead of merely suspecting one another of ill intent and writing each other off. Louis your racist genesis your you know. You're a a supremacist. In your own right instead of labeling one. Another genesis of louis came to the table literally. They sat down one afternoon and they hashed out how they felt about the issue. And genesis did something very simple and very powerful. She didn't state where she was coming from right away. Instead she asked lewis an honest question. Not a gotcha. Question she said. Louis how does the state flag make you feel notice. That she wasn't asking him to strain his brain. This wasn't a history lesson right. Just how does it make you feel. And he replied it makes me feel like i'm ho. And because she cared enough to ask him where he was coming from he felt a responsibility to ask her the same so he said how about you and she replied. It makes me feel unwelcome. Even though i am at home and over the course of the next three hours they continue to disagree but still to listen and here is what lewis realized. Let me first say he did not change his mind about the flag. But that's okay and i'll tell you why. Because what he realized was that he cared more about genesis. The human being then. He did about this piece of cloth that he called his flag and as a result he left that conversation thinking he he began to reflect. And here's what he realized if that flag is changed. My heritage doesn't get stolen from me. I am still a son of the south. I am still a descendant of confederate soldier. And i can still take pride. For whatever reason in that ancestry. If we change that flag. I still get to keep my heritage. And genesis gets to feel that she shares this state with me so you see because genesis. Humanized herself to lewis. He was motivated to emerge from the us against them box. He no longer thought of this issue as either or either. I keep the flag and i remain true to myself or the flag changes. And i don't know who i am. No he busted out of either or and he realized the benefits of both and that he doesn't lose anything by dint of adding genesis to his life and that is what. I'm trying to say as you play devil's advocate with me. That when people think but it's their turn or it's my turn yes absolutely. It is but that doesn't mean it has to come at someone else's expense. Let's add to the environment not limited even further. Have you kept in touch with jackson. And how do they feel today. Is lewis still have that same sort of empathy for black people in mississippi does. Does genesis still have that same sort of understanding of where the white folks in mississippi come from or have. They retreated back to their owners. They are proud axa white but they do have a child together. No i don't of course folks that was just a say. They are proud of the fact that not only were they able to work together on this issue because guess what lewis joined the movement to change the mississippi state flag sand couch and i'll change and he brought a bunch of his folks with him. You see he was a trusted representative of that side and when he made the first move to join the movement to change the flag because he was trusted that caused other people on his side quote unquote to think. well either. Lewis is a traitor. Or maybe i gotta find out from him. What made him do this. And the more..
"manji" Discussed on How The Heck Are We Gonna Get Along
"People who did not want to hear that reform is needed. Would call me an uncle. Tom selling out in my tribe. When in fact my tribe wasn't muslims. My tribe has always been people who think differently than the group that they're a part of in other words misfits. I adore misfits and those people are my try but no matter your labeled and those who claim that you should not call yourself a muslim. Because you're an uncle. tom will take a whack at you. Then there are those who really do hate islam and because you are muslim. And that's the label. They see they will call you. A stealth jihadist meaning a violent criminal. Who's just going under the radar. Ready to strike at non-muslim came on show obviously to totally recruits dister. Right disturb america yet to take me into that's right to jihad friend. Okay i can now claim you as part of the jihad this very can i call you a aitken whatever and whatever it takes you know what i mean but the reason i make that joke is because you're i'm sure you're right. There are people who got to be. I don't know if you would consider yourself moderate. I don't consider myself moderate. And i tell people all the time i'm not really moderate. Don't like subscribe to the bullshit when my team plays it either and so you think. I'm a moderate. Because i won't agree with them on all the knickknacks patty wack fucker. That they're into so. I think that you must. It must have been very difficult for you in those years after nine. Eleven when you're writing a book and giving your own opinions to have people on the islam side say you weren't enough and to have obviously probably far too. Many americans say well simply because you are muslim. I'm i'm not going to trust you at all right. So is the middle of the most dangerous place in the world as often. It is because we are so polarized as a country and on all kinds of things right masks vaccines to say nothing of diversity equity inclusion. We are so polarized on all kinds of issues that if you take a side a clear side and stick with it even though you know that that side can be contradictory and even hypocritical. Then you have safety in numbers but if you are willing to buck the consensus in your group from income from a place of integrity you know i love y'all but on this one sorry not sorry. I'm i don't agree you can. You can expect some kind of a call to throw you out of the group. And what i do for a living clay. I teach something called moral courage. Moral courage means yes speaking truth to power but let me be very clear power not just out there the system no power also of our own egos and those are the egos that get fairy defensive. The moment we feel stress or anxiety and because we don't wanna feel stress or anxiety. We often lapse into becoming more extreme for that safety that i was talking about than we actually mean to be. Listen i'm guilty. Sometimes i don't think i don't think i am in politics. I hope i'm not but helen. Just other scenarios. I'm certainly more likely to get more emotional. When i'm anxious or i so appreciate you owning that that is truly honest of you and it doesn't make you a bad person. I hope you know that it makes you human own it because the producers on the show. We're thinking oh yes i have to. That is completely human. One of the problems is that most people will accuse the other of being overly emotional and will not own for themselves. How they play right into that trap too. So you mentioned diversity equity inclusion. And i find that too. I find those to be buzzwords often times for folks in my political party on my left side of the aisle. But do you think progressives have done a better job honestly of fostering diversity and equity and inclusion than then conservatives have no and i speak as a very liberal individual. What i find happening here. Yeah you're laughing. Sorry i'm laughing because i'm laughing. I'm sorry no laughing at you. I'm laughing because i tell folks all the time. I really liked talking to people that disagree with here. I am like damn everything she says. Don't you worry we'll get into the show is how the heck are we get along and here. We are here novel concept but but really what do but yes. I am progressive. But i'm not progress. I love progressive. I am very liberal but to call myself a progressive today would suggest what. I'm about to explain about why i believe. Progressives have not done a better job than conservatives in fostering diversity and inclusion you know the very mindset that leads to racism misogyny homophobia and other forms of discrimination is an us against them mindset. Right it's a superiority. Complex on the on the part of one crew and projecting and inferiority on everybody else sadly the way diversity. Equity and inclusion is too often being taught today in workplaces in schools in colleges and universities is yet another us against them mindset a lot of highly educated maybe overly educated people like to believe that we know better. We know it all and you all you know in so called. Flyover country out the so-called rednecks and dinosaurs. I'm in north carolina. Exactly right are just backward. And they're don't bother. We're going to tell you what you can and can't say we're going to tell you what the right way of talking to other people and we're going to accuse you of being it's of all kinds and forms of all kinds if you violate our rules. Now let me ask you this. How do you fight us against them. The very mindset that leads to injustices in the first place with more us against them. Well some people would answer that by saying that you do it as retribution. That there is a some sort of Reparation so to speak to to that that you know it was the turn of white people for centuries to be in control and perhaps it's time to to balance that out. I mean some people make that argument in very sincere about it. And here's what i would say in part you mentioned to our words there retribution.
Will Smith Movie Pulls Out of Georgia Over New Voting Law
"Of the South. But is this Hollywood verses? The South? Will Smith's upcoming movie Emancipation is canceled. Filming in Georgia in protester law changes being made by Republican politicians there. The newsroom's Jonathan Savage. Tell me more It all stems from new rules that affect how elections air running Georgia Nick No. One of the controversial provision is the 81, who wants to vote in elections by post will need to provide identification, such as a social Security card or a driver's license, then, until no identity checks have been carried out by providing two matching signatures. Republicans who run George of the state. See it will reduce the chance of fraud. These changes. But Democrats who won the state in the presidential election for the first time in more than 25 years, say the new laws will restrict voting on disproportionately affect black voters. Now, the will Smith film in question is called Emancipation. It's based on the true story of a slave who flees a plantation. And joins the northern Army in the American Civil War. Of course, the synergy between the subject of the movie on the dispute over the new laws can't be mistaken. In a statement, will Smith on the director Antoine Fuqua said. We cannot in good conscience provide economic support to a government that enacts regressive voting laws that are designed to restrict water access. And Jonathan. How was it that Georgia, particularly as a state became so important in the film, and it's a very simple answer. Nick Tax breaks up to 30% filmmakers saved money Georgia gets valuable jobs and investment and it works well for all parties. So movies like Ju Manji Contagion. Black Panther TV shows like The walking dead and stranger things all filmed in Georgia. All in all, in 2017 alone, the industry has an economic impact in Georgia, off $9.5 billion on the cost of the state, estimated to be somewhere north of $100 million would open up the absolute figure on that, but clearly there's a lot of money in it. Indeed,
"manji" Discussed on KOA 850 AM
"Relevant song the I. role for Manji on that something of beauty I don't know maybe see about water who is or entertainment icon on the show of course he's a Hollywood movie producer mobile thank you mogul also alleged off it he's a ring of Famer he's a hall of Famer and Benjamin says that you're also a music connoisseur so Steve as we bring you on for for all all of the arch now personal how are you doing all right a good man I wanna hear some peppered noodles that's why I know you don't have any taser solo stuff was way better so I like right now with balls back the the sons of the good the debate came up and I know you can believe this because our show the debate became up is bringing sexy back Justin Timberlake's biggest it or what's the other one again see if you have to ask but it's not as big as given the name of it I also can't stop this feeling murder with a catches you select that is the correct answer I suggested to release blue I told you I told you we asked you this question he's a real housewives of Atlanta GA if you'd like you can ask you questions about music because he's just gonna mess with you no ma'am I like I like that wouldn't reporter today thank you back you let me down at work medias he didn't agree with me but he didn't agree with you so I feel like I want all right so your phone around what what your best to Michael was my favorite that's a good question I remember my fate I don't know I I I hadn't really thought about what my favorite was we're just arguing a what was the best one I celebrate catalog let's just say anything I mean with one of the best one for you I mean when he sings mirrors I mean obviously I'm just kidding for my money at the you know with with the man starts singing rock your body off the justified album I don't know if I I don't I I guess I have to break out into dance read what aren't aren't then Steve we got we got a full question up right now I Kaylee Colorado which brought those quarterback wide receiver duo will be more productive in the next two seasons will be drew lock in Courtland Sutton or drew lock in jury duty and of course you could be like bill and say it's locked in finance and then just totally messed up our entire poll but Steve I I expect you to color within the lines on this one if you don't mind and actually give us a legit answer well I mean why why do I have to make a position like this with our soon to be super star quarterback and R. and out pops wide receivers both of which I'm hoping will be in the Pro Bowl in order twenty twenty season what made the choice like that I want both of them to show up like Jerry rice and John Taylor did yeah I got a chance to experience it first hand important my rookie year this so you're saying you you fans pick between them I hate how Derek Ryan in invoke coloring between the lines anyway blurred lines robin Thicke song no okay now we're I'm not giving you that one I'm not I'm not giving you that rip off now that that is check please it's a not a Marvin Gaye song is is what you should be firing that as anyways go go go go ahead Steve this is the deal I don't know if this is your first esports talk radio or not but other people in the rules of sports talk radio I need you to pick one what what well I picked what it's a course although what should I shut my computer definitely support this is not you see is not mentioned on air who picked up what we all those chords yeah so so don't ask me what I think we all know what I pick what what do you tell me what you picked you know what to be honest with you if I had to go a long way out I would say corpus said and the reason being one qualified to be we have more weapons to where she will be able to focus on as much as they did last year and also with the way things have been going who knows when you know Jerry Judy will be able to get in town and you'll be able to fully rounded off I believe you may be up to a little bit slower slower just because things will get bigger difficult to start a little bit later and he may not be as well versed with the op and as we all hope we would be at the start of the season man you got another doing little meetings and everything they can and and hopefully he'll be up up to speed right right from the start of the season but you know the the the the wave of the from my perspective if they're not practicing together he's not you know here in the cold use it here indicating this problem the quarterback right now you know order relatively quickly is is going to be a little bit longer and you know we would have had as many caps on by now in in may and you know they would get a good feel of what it would be like to be in the office and without that I think you're going to be a little bit high do you think Courtland Sutton snuck up on some teams last year the national profile wasn't quite there he hadn't really dominated in his rookie season although he was good either you snuck up on teams last year this year he's going to struggle with that is he becomes the spotlight player for a lot of teams I don't think that he's not the only one because they know he was our our our primary receiver I don't know you may I know he was he was too but unicorn was the guy who got had to worry about in terms of how he's going to vote to get the ball aggressively he's going to push all the big guy strong and could run run with the ball after rejected it so I don't really think you snuck up on anyone I I didn't you know we saw teams you know we we threw in a double covers trouble coverage sometimes and he still came up with the cats.
"manji" Discussed on Startup Talk Toronto's Startup Podcast
"To them because seo is kind of cool like for our website we were getting around one hundred thousand hits per month from high intense customers for repairs for their vehicles and that is quite a lot. Like if you're at attached like eighty dollar you know associated per customer. That's that's like what like eight million dollars right there? In TERMS OF CAC four hundred thousand hits per month but the thing with SEO is not SEO is not centralized to a specific location right like since we're only in Toronto we can only address a specific percentage of that Seo because the SEO is all across North America in our case but if you are a company that's with like covering all across the US you can leverage at us. Yo in a much better way so since they're all across the US they can actually utilize Seo Joe to get customers in whatever market therein and I'll blow are the cock and improve the service absolutely so how long you started something else since you left. wrench yes so we actually started a new company. Called Laser Technologies and essentially what laser technologies is a digital product studio that helps enterprises build products aster with higher quality? Lab started experiencing our kind of expertise around different products to really help them build products that they have trouble building rally. Some of our clients are the weather network. Rb See and Cox Automotive and alongside that we also do build our own saas products internally from difference gaps in the market that we see from all these that we do projects in. And how? How was this going like how? When did you start at? How did you come across this idea yet? It started like shortly after. Basically what happened was when we stole fix We didn't have a new idea right off the bat that we wanted to pursue and I think what we thought was can we can look into our daily lives to see what problems we have. But we want to kind of dive deeper into industries to really figure out whatever the leaper issues within those industries. What prompted the experiencing and what solutions aid and at the same time. What happened was a lot of her friends. Within Toronto Community who run these companies actually just reached out to us and saw that we were done with fix? And they're like hey like we have these problems internally with this project and we're having trouble executing on due to like you we don't have enough capacity or we don't have enough talents or really need this quickly and we just is not on our roadmap and we need like a Ninja squad to come in and they said could you help us and since we were in the mindset of we want to dive into industries deeper really understand them we were gaffer disagreed opportunity for us to learn and also help you guys out and And see what other gaps there are so we started taking on these projects organically and then. We saw that like a lot of these companies. Actually face these problems where They don't have enough resources internally to execute on these projects quickly they don't have like the industry experience to really take ideas from like to take an idea from scratch and really build it into an MVP to a fully-fledged scaled product. And they don't have like the whole star expertise internally to really grow these products in iterating on them successfully so we found a lot of success helping these companies do that with the weather network obviously ventures and Cox Automotive and I think like within the past two months we've started building our own SAS products from different opportunities that we saw within those industries which is going quite well at the moment. And so are you looking for new clients people? Just call you up. Who is your ideal client. How does that? How does that work? Yes I mean like our client tends to be larger enterprises particular because of like a budgeting aspect and we actually don't really help out starved as much as because of like the fee that we charge. I think with start ups. You know your runway is like year your oxygen rights. So you really want to use your runway in your cash. Iterating experiments ends on your product as much as possible with your own technical team and so for like a startup to really outsource all that work to someone. Like us doesn't really make sense. Because what happens is you're you might launch a product and then talk to your customers and then figure out that your products like a complete one eighty right so if you do that. It's really important for you as started to have that technical expertise in house such that you can move quicker and that's part of your life blood as a startup renting exactly yes but these larger enterprises. They're they're more of like a structured process right and a lot of these enterprises sometimes have trouble hiring Top talent internally they might have top talent internally but not enough in terms of quantity of talent to execute on everything on the road map in sometimes. There are different opportunities and products that. They need to build to capitalize on the market quickly. That if they were to use their own capacity internally they wouldn't be able to do so fast enough so is he like fortune. Five hundred companies of large private sector companies tend to use US and benefit the most from us. Let's fantastic and what's next for you and laser technologies. I think right now is We actually have a lot of so. We have a lot of clients coming in You know requesting different projects so what we're trying to do as making sure that we hire the best talent internally so that we can continue our quality high and continue to work on really exciting interesting projects so hiring is our number one thing at the moment number two is always like Looking were always looking and listening to different clients that new problems so We're never like saying whenever like not taking any called learning meeting so more clans are always welcome to reach out and and You know learn more about us and have US learn above about them and the third thing is we are continually building different products internally from opportunities that received so we are still in the experimental phase. it's turning out really cool and this quarter should be pretty interesting and that's well on has been great talking to you. It sounds like a laser. Technologies is doing really well and You know won't have any of my startups reaching out to you for help in the near future but I I I wish you all the best any parting words for audience so with startups. You can still reach out to me personally. I'll be happy to help you out but We we. I won't like we won't help you with a full fledged elementary or anything. I will definitely help you with any questions or whatever anything that you guys need so feel free to reach out. No matter yeah. I'm GONNA connect you with somebody who's moving from the BBC to be to be market in fleet vehicles just for you guys to chat about the experience for sure that'd be cool so thank you for being on startup talking. Yeah thanks for having this has been startup talk Toronto Startup podcast for more exclusive content the episode vault and to be part of TORONTO'S STARTS COMMUNITY VISIT TORONTO STARTS DOT COM. Get Your name on the newsletter mailing list and check out our upcoming events. Four more episodes subscribe now employees. Recognize the time and work behind the scenes. Put into connecting you with the biggest visionaries entrepreneurs and innovators in Toronto by leaving for five Star Review. Join US for more next episode from Toronto's most active entrepreneur and start up community on startup..
"manji" Discussed on Startup Talk Toronto's Startup Podcast
"Fabulous. And I guess it's not a trick as I said it's definitely a tip. Warming chosen definitely getting people to try your kool-aid whatever your kool-aid is for themselves. Because otherwise they just have a impression of it getting the detriot gets them The actually involved in get some Committed to something. Yeah because you want them to be a champion at the end of the day you don't you just don't want someone to just be like. Hey check out this service pretty cool I recommend it you want them to really push or you internally and I think with our service if you really had the pain points a driving to a repair shop know wasting half your day and all the stuff and then you found a service like actually use. You would understand that a man after using US like. There's no way you can go back to repair shop and I felt like I one of the things that a lot of these businesses face was if you were to tell them like yeah we come to you and you know repair cars. They don't really understand the whole journey. Allowed right like if you think about a business perspective if one of the fleets the vehicles were flat tire or a dead battery or needed their breaks repaired. If you were to think about the journey that they would face in order to get that car repair what they do is they would have one of their employees. Go TO THE VIDEO. Take that vehicle to a shop. Wait at the shop to get a repair. Drive that vehicle back. If vehicle had to stay overnight at the shop they would have to. You Know Uber back home or whatever might be and so what we found. Is that the costs associated with company. Actually repair cars actually two to three times higher than a normal consumer because the company has to pay for the cost of the employees time any delivery cost the cost of the service in the last thing that they often overlook. The opportunity costs so for example. If you think about a car sharing company that has vehicle out a service. It's not like you're not just facing the cost of the repair on the cost of the employees time to drive that car to repair shop. You're actually losing out on revenues. Because no one can book that car for service to us. So you're facing like these three costs. People don't realize that until they actually go through experiences services for themselves it's interesting and I was always amazed at the the the foresight of the service and and how smooth seemed to go and getting someone to Experienced that is eye opening so I'm not seem to work out really well for him. I'm happy Roy though so because we're here in Toronto I gotTa ask you about dragging stand. How'd you get on IT What happened how was that whole experience. Yeah honestly that was a really cool experience the way we got on it was we applied to audition for the show so basically. I think every time they season the cast of Dragons Zenon. Cbc The cold auditions at the CBC building or any type of company to come in and do go to three minute pitch and so we basically applied they relate. Yeah come in for a two three minute pitch and we went in and this is C. What after like Wycombe meter sub? So we're pretty familiar with pitches and kind of like we know. Our number is our product all of that stuff so the pitch went very smoothly. I think because we have nailed that pitch And because it was A business a service where you know normal household consumers can actually resonate within actually feel the pain in actually use US loose in their everyday lives. They decided to pick us to come into airing the episode and so how it works as like. They don't pick every company that does that to Mitt to two to three minute pitch to come on the show. They pick like a select few and of that select few they kind of bring them back to back. You know backed back recordings of episodes so the dragons are like on a random Tuesday starting from seven. Am to five PM. They have like you know. Twenty to thirty companies kind of come and do back to back recordings and the dragons are just in one studio listening pitches over and over again and so we show up on that day to to film the episode end at this time it was myself. I other CO founder are Clo- was in coober. Because he was sick at times it can really travel so we were at the CBC building and You know like other companies going for recording beforehand in our term came up and I was surprised because like beforehand you. You don't know exactly how everything's GonNa go down. You don't know if they're like scripted. Or if it's off the dome or anything like that so when we walked in but they look like everything is unscripted were just. GonNa Straight Recording. So yeah just be prepared. Essentially so we go in we do our pitch. We obviously practice beforehand. But we did our pitch ends the questions and the from the Dragon's despite the conversation pretty natural and we were pretty like focused and enthralled in the conversation that you kind of lose sight of like that there's cameras around or that you're actually in the show because you're trying to answer all these questions and you know at the end of day come up with a deal But it was a really really cool experience because not only did we get a deal after the show the the publicity and marketing that comes along with a good episode being on the show is is pretty pretty cool we saw Hughes again the number of people coming to our website number of services that we were performing so it's a very cool experience. Yeah I really like the episode specifically around you guys coming out doing your thing. You've already raised some money and You had your terms and they're all like No thanks and then they talk a bunch more than they come back and then they're they're negotiating with you. How do we get it? It's an interesting turn around and we we've had several startups in our community. Go through dragons then some make it on the show like going through addition processes just an experienced in the south and then some get make it to the recording. But don't actually make it on the show or they make it is to side-hustle edition or whatever else but There's been a number of us that have been successfully gone through a lot of the deals from the show. Don't eventually make it through. 'cause you gotta go through due diligence and all this other stuff. I'm glad to hear that yours actually went through are actually didn't go through. Oh yes it came down to the due-diligence thing I think like at the end of the day the diligence process actually took too long Like it would have taken a year or so to actually go through Which would act which was just not in our best interest for the company because by the time we would have received funds and stuff like that we would be probably at a different stage of the life cycle of the business Because we were moving quite quickly. Company can afford due diligence of a year. Yeah I mean it's it's it's been a long time you know and But we kept good relationships with With everyone that was involved and Like everyone was pretty interested in kind of keeping in touch for the series if it were to come and so it wasn't a bad thing or it wasn't a bad thing at all it. Just the timeline and the timeline in the process just didn't work out in in both of our favors. So that's how it goes. Yeah that's what I say a lot of these things don't survive to diligence dragonstar thing that's just any BC. Yeah we got a handshake deal but now we gotta go through the motions. Go through all this and you find out why you don't like working with each other to their no not everything is revealed. When you're in a pitch you've got to kind of go under the covers. A little bit A lot of things have changed. Now we got Companies like clear bank and whatnot. Who are are doing stuff based on your sales and revenue That would provide a funding. I know One of our startups hedgehog umbrella. They Went on Dragon Stan. I think they didn't get funded on there but they're now being funded by clear bank. Yeah you know again. They're not typical but they've got a Revenue ECOMMERCE on selling and it's a clear a numbers game there. Yeah I mean like clear. Bank is interesting because And even kind of how. Michelle did her assessment on. The show is very similar to how clear bank operates like Michelle's vary Driven her assessments. At which is exactly what clear. Bankas right if your numbers workout. The product is a product makes sense. are good and it's a scalable. It's a scalable company such that if you were to just you know for more fuel on the fire it would grow with a high probability of getting your money back then. It's a no brainer funding. So there's lots of lots of companies like that and I think it's working out well for them. It seems to be. I mean we'll we'll time will tell with a lot of early stage startups that five ten years down the road turn to do well but I think they're doing well so You've got you went through an exit. Tell me how that happened at someone approach. You did you someone else. What was that process? Yeah basically what happened was we. Were speaking to another company for to a partnership between fix them for a tire. Change season and they actually facilitated call with one of our other competitors in the states who has actually interested in you know coming into Canada in growing expanding and potentially acquiring us so That's kind of how it initiated and then we kind of took it under consideration and We saw that. It was actually as something to be serious about and Ensue and we kind of went through that whole due diligence process where we had the share like our financials our roadmap or growth or stats all about stuff. And then yeah. We eventually ended up selling to one of our largest veterans in the states. Called wrench. Who IS BASED OUT OF SEATTLE? How long ago was that? We we finalize the deal this past summer so like early this summer. We finalize that deal and We decided not to kind of join. I company because they're based out of Seattle. We wanted to stay in Toronto and they actually still operate in the states primarily they with like plans in the future to expand to Canada. So they're not in candidates as yet but they're still trying to exhaust and Tadic over the whole. Us market But it's very interesting because one of the things that they really valued was The technology that we built within the company's separately around the SEO when the the seamless process to customers in and kind of provide.
"manji" Discussed on Q95
"No well that it's Manji not all the last name M. A. N. G. I. N. A. that's my job right now the boy manual mention going through life being named man he must Michael Mann China he's got to be tough times yeah yeah eat snails yes no he doesn't pronounce it man Gina because you know every guy every guy that's a guy's gonna through his entire life is going to go away Mike men China and I initiate Osman's out there you get a tuck it in Mike you know your Caitlyn Jenner your main Gee I know the man returned to the church on January sixth to steal to more guitars police in Jasper said Bateman also store stole instruments from three area churches on January ninth and I know that this is a picture of Batman looks like Alfred's been bacon a lot of cookies all larger bag and it was a big Batman fella the other big change I just said Batman quote unquote may also be linked to burglaries in Shelby County as well as Georgia and Tennessee anyone with information should call Irondale one is Jasper police or the Walker county is here same bat time same bat gold medal ironically he's dressed as Batman but he's robin dole see you think like that red rock yeah that's a that is a one way ticket to hell thank you nice bass rich get always stole it from a church how did you know musical instruments someone's going to get a little caramelized as they get electrocuted plugging in their base my arch enemies the joker the Riddler and Mel bay Michael Mann China how would you pronounce it if your last name were man China man he now would you go man good now or Mangano go with Smith change it all together your honor name you know if you know the judge is gonna start laughing well mysteries I yeah this I this entire this guy's entire life and that's probably why is it bad **** cop right yeah yes Hey buddy is and you can imagine if this were who if you married a certain person in the hyphenated the name at all man Jenner I even managed yeah I've got a major and you try yours did my this is my Stephanie lady **** got to work around no that's worse than the one I was I thought cleats Johnson it was good but nothing what's the name that was done with Patrick join.
"manji" Discussed on 103.5 KISS FM
"Everything because you made me believe. Used. No. The. Gain. But. Say she is. Getting about concerts. You. Manji traffic. Any issues out on the roads right now. Three fifty five.
"manji" Discussed on 103.5 KISS FM
"Because you made me believe. Baby. Be me. But. Is. Jump getting about concerts. Baby. No strange. Bush. Manji traffic. Any issues out on the roads right now. Three fifty five.
"manji" Discussed on Biz Talk Radio
"Your host. I'm Ken Dilger, Manji Kinser, and Angie would be the first person that you would talk to if you called in. If you needed to schedule a meeting at the financial enhancement group, eight hundred nine two eight four zero zero one we ask people to send in questions that they want covered on the show. You guys, listen, we get questions all the time which change the names to protect the innocent. But we're gonna try to go through these these four questions pretty quickly just to make sure you get good answers, so Angie. What's the first one? Okay. This is from Dan. And Dan says I understand that a Roth IRA fund is not tax exempt. What I don't understand is. How does this differ from a regular taxed investment? So a Roth IRA is not tax exempt in the way, you would think about it. What we say is that it's not tax deferred. Meaning you paid the taxes on the money that you put in. So that you may be talking about when the money comes out that its tax exempt that would be true. You don't have to pay the taxation on it. When you buy something outside of a Roth IRA, you have which called basis in it. When you put money into a Tobias stock or a CD eurobond that money you've already pay taxes on you only have to pay taxes either on the interest or the growth when you sell it. So it is a different thing we prefer to have tax diversification, which means all three money that is taxed after tax, which is the second thing in your question tax free that your Roth, and then the third would be taxed deferred having. Mixture of those three is a great way to go kin number two question. Number two is my father passed away October two thousand eighteen he and my mother owned a second home, which has approximately two hundred fifty thousand inequity she had a real true evaluate and write a formal letter than a few weeks of debts passing which stated the approximate market value of the home on the date of his death on order to get a step up in basis. There's three parts this question. One. Does she need a formal approval to workers litter appraisal go now or to be filed with to ensure that some point in the future, she can hopefully avoid most capital gains in the property tax and question three can she do this on her primary resins as well? So she's going to keep the house is what it sounds like. Yes. So when you hear the word step up in basis, let's say mom and dad paid five hundred thousand for the house now has two hundred and fifty thousand of equity that's in the house. She got a step up in basis when her dad died so her basis is fair market value. Right. If she's going to keep the house, and she expects it to highly. Appreciate you know, like it's on tippy canoe or someplace where property values are going up. You probably do want to have an appraisal. So that you can have it in the file to tell the IRS that your basis really was five hundred thousand dollars. I don't feel a lot of people do that. But it is clearly something you can do can you do it on your own house the answers, it doesn't serve any purpose because you're not dead today. Right. The appraisal would be for your family your kids because they would get a step up in basis on your property. If something were to happen to you. So the other question is where does she sin? The litter appraisal to make sure at some point chicken void most Catholics. And the president needs to keep that document. So that she's got a formal praise all that shows you have to have evaluation then pretty quickly after somebody passes away. But it's not in the next thirty days and you again, unless they're state was over five and a half million dollars. There are no federal estate taxes that you really have to worry about. And if it's in Indiana, there are no state income tax or inheritance taxes, Angie. Number three. I have a question from Jan? And her question is as my question is on behalf of my sister. We'll call her Marsha Kay, his she took a medical retirement. Eighty she took a medical retirement in two thousand thirteen and was eligible for perf where she took the state of Indiana's retirement plan. Okay. She took a lump sum came and paid her twenty percent off the top and taxes. K pause. Everybody says that it's never true. Okay. Everybody says that and it's never true if you take money directly out of retirement plan, whether you make a hundred thousand dollars a year million dollars a year or ten thousand dollars a year the federal government mandates that that department of labor plan withhold twenty percent for taxes. Okay. Doesn't mean she paid. It means it was taken out right sent to the government. And when she files taxes if she's not in the twenty percent bracket, she got a massive refund. If she was under the twenty percent bracket, she even owed more money. Okay. Well, so at this point, she's receiving four hundred dollars monthly what she did not understand is that she would pay and file taxes on this yearly because she never received a statement like a W two only recently was she made aware of this. When she went to the BNB to file for loss title in the state said that they would hold her title until these taxes are paid can share range for payments. She's sixty nine in just doesn't understand very very very sad. But yeah, that income is fully taxable. I'm sorry. There's not a lot you can do about it. They're they're probably there was a form. That was sent. It was not a w chew. But when you get income that comes from an annuity or pension plan. You do get a statement that shows what your benefits are. And we live in what our taxes Tim's called self reporting. And you're obligated to report those numbers. So it's not hard to get caught up. There will be a little penalty. And then you have to pay it in the state of Indiana, sadly is harder to deal with than the federal government. When you when you're behind in your taxes? Some heart goes out to my horror stories that I believe is in the book. There are so many. My passions to take care of people. So that they don't make inefficient financial decisions lead to frustration and devastation and an eighty four year old son-in-law didn't listen to me along with a broker down in down in Tennessee. And at eighty four she had to declare bankruptcy. Because they didn't understand the tax code and didn't listen to me. And he wanted to sell it at son-in-law and annuity and the Senate law was clearly brighter than I was so eighty four mother-in-law got to declare bankruptcy. Just a beautiful thing. I'm so sorry. I wish I could help Ken number four question for I am sixty four years old and would like to think about retiring has some high interest payments. Would it be beneficial to get a distribution from my 4._0._1._K for my employer and pay those off and have less cash going out each pay? You know, that's that's a question that really involves some some internal planning. So you've got you've got two things that are going on with that question can one whoever that is got us assume what their future tax rate will be right. So let's say they're making eighty thousand dollars a year now, and they're gonna retire living on social security and not a whole lot of other money. And that's typical typically what would happen if somebody had high interest payments that were do right? So they're tax bracket could be substantially lower upon retirement than today, if they take the money out of the 4._0._1._K or out of their retirement accounts to pay off that debt, then they have to actually deal with the full taxation on it. Now one thing I would tell you to get away from the Angie conversation over the twenty percent, withholding. If you're in the twenty percent bracket, can then let them withhold a twenty percent that if you transfer that money to an IRA and then take money out of the IRA. There is no twenty percent mandatory withholding and you can determine what needs to be held by the IRS. So if you're dealing with credit cards that are fifteen eighteen twenty percent. I would definitely move into an IRA use the money that I would have paid in taxes to eliminate those debts at twenty percent, and then figured out what to do about taxes at the end of the at the end of the year that was one. Part of the question. What was the second part of the taxes were the first part that I hit taxes and. Would it be? Would it be wise to do it? Now, if you're going to do it do it out of an IRA and eliminate those eliminate those payments for for certain mid at all really depends on how hard to how long to work, and it depends on how high the interest rates are right, right? I mean, if they're if they're the high teens, then it's probably a good call at sixty four through if they're six or seven percent. Maybe not how you're listening.
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