35 Burst results for "Massey"
The Dan Bongino Show
AG Garland Refuses to Say If Any FBI Informants Attended Jan. 6
"You're to not going get this anywhere else. I'm pretty sure because I haven't heard it anywhere else. I'm going to explain to you why Derek Farland, our non esteemed attorney general, refuses to give an answer on how many, if any, confidential human sources or FBI agents were there on January 6th. But listen to this first. Check this out. Now on that video, that was your answer to a question to me two years ago, when I said how many agents or assets of the government were present on January 5th and January 6th and agitating in the crowd to go into the Capitol and how many went into the Capitol. answer Can you that now? I don't know the answer to that question. Last time, you don't know how many there were or there were or none. I don't know the answer to either of those questions, if there were any. I don't know how many. Or whether there are any. I think you may have just perjured yourself that you don't know that there were any. You want to say that again, that you don't know that there were any? I have no personal knowledge of this matter. I think what I said the last time. You've had two years to find out. And today, by the way, that was in reference to Ray Epps and yesterday you indicted him. Isn't that a wonderful coincidence on a misdemeanor? Meanwhile, you're sending grandmas to the prison. You're putting people away for 20 years for merely filming. Some people weren't even there yet. You've got the guy on video. He's saying go into the Capitol. He's directing people to the Capitol before the speech ends. He's at the the site of first breach. You've got all the goods on in ten videos and it's an indictment for a misdemeanor? The American public isn't buying it. That was Tom Massey, by the way.
The Dan Bongino Show
Jamaal Bowman Harasses Marjorie Taylor Greene During Interview
"Here's an audio clip of Marjorie Taylor Greene She's talking to the press and again Jamaal Bowman he may sound familiar because this is the same guy Who did this with Tom Massey Actually Massey to be fair stop to talk to him Any empty capitol hoodie lost his mind This guy Bowman does not want to be a congressman Bowman wants to be a social media influencer He has no interest whatsoever He wants to be like the next Madison beer or Alex Earl That's what he wants to be He wants to be an influencer He does not want to be a congressman Here's Jamaal Bowman showing up Just harassing Marjorie Taylor Greene For Noah Perry's and I want you to pay close attention to the audio at the end Something happens at the end Check this out We got to get rid of Biden to save the country The party listen no more QAnon No more land That we're seeing it No more dead ceiling nonsense Come on down See what the party My children Do something about guns Where are the migrants Children You guys We love you We love the guys and children The family lost them You can't find them That's crazy Yeah migrant children Hey let me tell you this Save the party That's AOC at the end You know AOC she's effectively a professional social media influencer too That's all they do They don't accidentally legislator do anything effective to advance any kind of prosperity principles in the country They're just big social media influencers That's all they want
The Dan Bongino Show
Amber Athey: Nashville Shooter Changed Targets Due to Security
"What's even harder to take is you get people like Jamal Bowman up on Capitol Hill screaming and performing for the camera's at Tom Massey who stopped their respectfully talked to him And his solution is what To Paul guns and out of schools where kids would at least stand a fighting chance I didn't pick the world we live in amber It picked us Our culture's rotting kids don't go to church anymore They're staring at screens all day We have parents leaving the home I didn't pick this world They picked us okay And our kids need to stand the fighting chance That's the only thing that's going to stop one of these armed gunmen is another good guy with a gun or at least slow them down That's it Well we already know based on what the police have told us that this individual changed target Apparently they were looking at another Christian school at first and then changed their mind because the security at that school was too tough And they didn't think they'd be able to carry out the attack The way that they intended I mean that tells you everything you need to know right there And look guns have been intertwined with American society since its inception We use firearms to win our independence right But these mass school shootings have only become commonplace in the last couple of decades And so we have to take a really deep look at ourselves and ask what has changed because the guns have not changed and the reality is we have 400 million firearms in this country It's guns are really the problem don't you think we'd all be dead by now
The Charlie Kirk Show
Jenny Beth Martin Describes "The Innovation Race"
"Joining us now is Jenny Beth Martin to talk about a new movie called innovation race. There is no prize for second place. And Jenny Beth is with us now. Jenny Beth, welcome back to the program. Thanks so much for having me again, Charlie. Tell us about the movie. So we've done this documentary and it really sets up the dynamic with America in China in the innovation and technology race comparing it to what America and the Soviet Union went through in the space race back in the 60s. And we make the case that we have to make sure that we win when it comes to the innovation race, America needs to have more inventions, more inventors, and we need to stay on the cutting edge when it comes to innovation in order to outpace and beat China. And we've got a real problem right now in America we used to have very strong laws that would protect intellectual property and patents during the Obama administration, a Republican controlled Congress passed a bill that Obama signed into law that weekend, our patent system, and we make the case in the movie that we need to go back and strengthen it. It's a bipartisan issue, even senator Chris Coons is in this movie and so is congressman Thomas Massey. It's really an America first movie, making the case that we need to strengthen our intellectual property system. So that we can beat China in the innovation race.
Mark Levin
COVID Stimulus Spending Increased Inflation
"The other thing about inflation that you need to know about that I don't think a lot of people are talking about is that the COVID stimulus spending Also played a sizable role in inflation Eric beam wrote this at reason dot com And what they found when the Federal Reserve report published last month audit the fed Tom Massey you're right about that In the U.S. they found that fiscal stimulus during the pandemic contributed to an increase in inflation of about 2.6 percentage points That is a significant increase even if it doesn't account for the full run up of inflation that took place during the past 18 months Price increases accelerated in late 2021 and throughout 2022 Ultimately peaking at an annualized rate of 9.1% in June The large increase in demand triggered by the fiscal stimulus policy together with the slow pace of adjustment in production likely contributed to the current imbalance in the goods market they said Most obvious form of fiscal stimulus in the United States was the three rounds of direct payments mail to most American households during the pandemic About $823 billion was distributed in that matter According to COVID money tracker which is run by the committee for responsible federal deficit You remember that they have the 1200 bucks per person check that that went out That was early on in March They had another round $600 checks Then they had $1400 checks as part of 2021 then Biden pushed through another round of $1400 checks and households earning as much as a $160,000 in joint income were eligible for yet another round of direct payments during the first half of 2021 And when they review all this stuff they find that all this free money all your checks you just got yeah that also contributed in a big big way to inflation Shocking I know when the government gives you free money you think wow there's definitely no strings attached to this right
The Charlie Kirk Show
Rep. Thomas Massie on the House's Reboot of the Church Committee
"Massey, welcome to the program. Hey, thanks for having me on, Charlie. So congressman Massey explained to us what is this new committee? And what is the goal of the new church in pike committee that has now been launched? Great. Yeah, I'll give you the formal name of it. It's the select subcommittee on the weaponization of the federal government. And our charter, we got a very broad charter that was granted to us as a result of all that hard work that chip Roy and some of the other folks did in negotiating the speakers race. And one of the things that we got in the negotiations was the ability to get information on ongoing investigations. The hardest thing about this committee is going to be getting the federal government to turn over the documents. A lot of it's going to be classified that you're going to throw up all kinds of reasons. And so their favorite reason is to say, ongoing investigation, not going to comment, that they're not going to be able to do that. Of course, they may try it. They may take us to court to avoid releasing it. But at least in the charter of this committee, we've stated plainly and clearly that that's on the table. The other thing that we got in the negotiations was that if we hit up against a wall, let's say we're going down some trail on the FBI and it turns out there's another three letter Intel agency involved, we are basically a functional appendage of the Intel committee. So we will be able to get any level of classification, any level of classification of document that's necessary to pursue this investigation.
The Dan Bongino Show
Julie Kelly: Jan. 6 Hearing Was Nothing but Political Theater
"Julie I didn't see all of it last night I'm just going to be straight with you I saw some clips I did my homework on it this morning I was watching the hockey game the thing bombed in the ratings the numbers just came out America's largely moved on But Tom Massey and others have asked some pretty simple questions of people like Merrick Garland very simple questions like hey were there any federal assets or federal agents involved in this whole planning or operational thing You call the insurrection on January 6th Don't you find these strange they can never really answer that question They can And it's intentional and last night instead of showing clips of interviews with FBI director Christopher wray House speaker Nancy Pelosi who was responsible for security and the capital that day Instead of seeing all the records and documentations between Pelosi's office D.C. mayor muriel Bowser's office capitol police the FBI instead of seeing legitimate records and information and interviews with the key players that day we saw nothing but theater we saw capitol police officer once again giving this overdramatic account of what happened to her that they should she's been knocked downstairs absolutely not But even her testimony officer AdWords conveniently left off the name that we still can't get an answer for Dan and that's right apps She was right there when apps was there They added it out the footage of him She did not mention his name We still can't get an answer about that but more importantly who were the FBI undercover agents and informants that day why was the capital left intentionally unsecured Where are all the FBI records Where are those records Where's the surveillance video Where's the pipe bomber What Can you I
News Radio 920 AM
"massey" Discussed on News Radio 920 AM
"Warmer and a bit more humid highs reached the low eighties inland upper seventies at the beaches where a high surf advisory still in effect tonight in early Monday, there is the chance for a scattered thunderstorms. Some could be strong, though not all communities are at risk, damp to start early Monday temperatures warmer in the upper sixties, but humidity falls in the sun comes back out with highs in the upper seventies to near 80 degrees. I just don't intend meteorologist Anthony McCarten on this radio 9 21 of 47 FM. Fox News. I'm Jessica Stone. The Taliban says women will be allowed to return to universities in Afghanistan but must follow Islamic dress code and gender segregation. Still, thousands of Afghans are trying to leave. Pakistan Airlines is expected to restart flights from Kabul on Monday. Two Qatari flights that rescued dozens of American citizens and other foreigners. This as it does appear progress is moving forward quite quickly to reopen Kabul's international airport. Fox's Trey Yeah, angst. The Senate is considering repealing to war authorizations with bipartisan support. But some Republicans believe they still need authorization to fight global terrorism, especially after the Afghanistan withdrawal. Indiana Republican Todd Young says it is not the time to repeal the 2000 and one a U M F that launched the war on Terror foxes. Jared Halpern, America is listening to Fox News. NewsRadio 9 21 Oh, 47 FM here with Jeff Massey. Thanks for tuning in today. If you're new to our show, we welcome you. We talk about retirement planning here on the show and all of the things that you need to keep front of mind as you're entering this new stage of life. Retirement really has changed. It's evolved over the years, and the good news is we have Jeff here with us. And Jeff has been helping people for several decades right here in our community plans successfully for retirement, taking into consideration all those changes throughout the years. So we're going to talk with him now about something that gets to be a little bit confusing, and that's Medicare. You may have tried to figure out that maze on your own, and so you know what I mean, when when I say that that's really potentially confusing topic. I want to give the phone number at Massey and Associates Inc Maybe you have some questions about Medicare or retirement planning in general income tax efficiencies. Healthcare planning for 01 272 100 is the number well, it really is hard to keep track of Medicare lot of different terms, right supplements Medigap. Part B C D h i J. I don't know how long you can go on, Jeff, but, uh, it's amazing and we have to figure it out. Right? We have to navigate it at some point. How are you helping your clients handle those Medicare decisions? You know, it's a very unique area of planning and many advisors court a court advisers really only want to work with people's money, and you know, that's not the complete picture. You would want to work with advisers least We certainly think you would want to work with advisors or a team of advisors that can bring the right professional to the table in one spot. So we can handle the financial aspect of things. We can handle the income production. We can handle the tax planning part and then we move on to the Medicare stuff. We call it stuff because that's what it is. It's lots of stuff there. I mean, it's called Medigap. As you mentioned. It's a Medicare supplement plan and it supplements. Of course we get part A or you have to do is sign up for that. When you achieve aged 65, there's no cost. To that it primarily handles the hospital expenses. Part b. B as in Bravo handles your doctor visits and things that nature But there are some deductibles is co payments, etcetera. So by purchasing a supplemental plan, whether it's a Medicare supplement plan or a Medicare advantage plan, it will pick up those other expenses. And then there's a plan dead as in As in David. So when you look at the plan D that's for your drugs for drugs, and there's a separate premium for that, and it's so important to sit with somebody that has the experience as to what these plans are what they cover. Any potential shortfalls and what the premium might be as you go forward, and there are times that some. If you're traveling a lot out of the country, you might want to lean towards a Medicare supplement plan because it does have foreign coverage, although it's not full coverage if you will compare to the U. S level of coverage. Compared to an advantage plan. And although the advantage plans have gotten a lot better with the Provider organization that they work with. They used to be very tight, very localized. And if you did a lot of travelling, and an advantage plan might not have been the best choice for you, but that has improved somewhat under the Blue Cross system. And so you know, we have, um less of an opinion one way or the other. So we just show both to say Which one would you prefer here? The pros and cons of this one here, the pros and cons of that one and then together. An advisor and a person decides which plan is better for them. So, yeah, there's a big maze there when it comes to that in each year between October 15th and December seven. It's called open season or open enrollment. If you will, where you can choose to change the plan..
Rock N Roll Archaeology
"massey" Discussed on Rock N Roll Archaeology
"I'd love to have her. Who's i'll check with her. And i'll get you guys connected. So he's like all right she's she says she's come down with it. Just here's your number center text so with my swiping thing is start saying hey you know love to have you on an normally record in the evenings on the weekdays. I can also do some weekends. Sometimes i can do anal on weekends. And i didn't even look and i hit it and i sent it. I was at work at the time. And i had to texter to email. I got to do it on the sly so a a minute or two later. I look at my phone. And i'm reading. My sometimes. they do anal on the week. Oh my so. I'm like okay. I've either it or she's got a good sense of humor. I guess figure it out. So i leaned into it and i'm like i said i'm sorry for that. That was a mistake. I always do ain't on the weekdays and cliff figured either blown it or she's going to be cool and she just sent me back the crying laughing. Dc weekday is fine. But let's just keep it to the podcast. Sounds like all right cool. She then that's a happy ending so to speak. You're gonna say you got cancelled or something. No not yet. We'll see what happens if this story gets leaked out too much. She keep it on the podcasts. Three times now. So oh good so i got even lost where we were at holy shit. This is what happens in this show like. I said this is to make sure you'll ever be on. Oh you were just talking about. When when i started having success as apoe win. See where am i going to go with that. Winded things really start to feel like you're successful. When winded the the job that pen come and getting. I'm assuming i think i understand this right. That poets will get paid to do public readings and things like that. When did that start to happen. Why moved from The coast of humboldt county. I moved from arcada california to the pioneer valley of massachusetts. The western part of the state. I live in east hampton which is near northampton. Amherst and we're emily dickinson lived and it's really beautiful area. I moved out here..
Rock N Roll Archaeology
"massey" Discussed on Rock N Roll Archaeology
"Eight twenty nine. Do you have a process to your writing emmy Are you do finding your inspired to write about and then right or are you just constantly writing and then trying to fit. What you've written this part will go with. This is this. Is there a set process not a set process but generally there's there's a process and it starts with writing in notebooks. You know real like paper. Hard copy notebooks before cove it. I would do a lot of writing in in the coffee shop. Because i would walk for my apartment here in massachusetts to the coffee shop and walking really inspires me gets the words flowing. I'm we'll see something that interests me. Image or whatever. And then i would go to the coffee shop and work it out and And then work it out even more on the computer screen so it would go from notebook to computer and then lots of provisions. But lately i write a lot on my phone which feels like sacrilegious That's one thing. I have trouble with. I do a lot of things on my phone. But i- writing. I don't think i could do that. I need to. I need to it out because well a friend of mine warned me. 'cause i'm also. I'm writing a memoir as well and i was writing. I was writing the memoir for awhile. Drafting it on my phone because it it gave me separation from like sitting at a desk and feeling like i was doing job and so the words just kind came out as reading about traumatic events and so felt easier to just kind of i type very fast with my thumbs and way friend of mine warned me that Kanye west blew his thumbs out from texting too much. Oh why he had to get to get cortisol injections in his hands. I'm like that's not going to happen as you know. I think he's like a year older than me. Anyway and some time. Now i have like i have terrible. Pain in my right thumb tacks textures thumb tennis elbow. If it's not it it probably should. I mean i'm sure there are many people who suffer. Maybe they don't actually. Because probably i think that the people who used to typing with their thumbs as much as i do probably teenagers. Who don't have to worry about burning their thumb out. See i did that one of those. Swipe keyboard i just swipe in. That's why i get so many typos on my texts and stuff. You'd see how tell you a quick story. I'll probably edit this out. Could've told us a couple of times. but i. i had a chef on the podcast. That is an enormous mug man. Holy god i drink a lot of water. I started doing that too. And my doctor said i really should and my wife. She got to drink more water. All it's doing is making me pay more. And i don't really feel big benefit. I'm just go to the bathroom more anyway. I had this band. On vast robot armies awesome guys and one of the guys is a bartender edited restaurant in kansas city named the belfry. You shut my boss on. she's awesome. She's really creative. Okay who is she. Her name's shift selena. Te'o she's been on a top chef masters and iron chef america and gad. Awesome if she's open to coming on..
News Radio 920 AM
"massey" Discussed on News Radio 920 AM
"Massey. Thanks for tuning into the show today. This is Massey on money. I'm Megan Mosaic, and we love this part of the show. When we get to hear from you. Jeff gets a lot of questions about retirement as you can imagine, And we like to answer some of these questions here on the program. Our first question, Jeff says this. My husband just retired, and I'm planning to leave my job within the next few months. Just haven't been able to get my replacement train, But then I'll be set to retire. I'm excited, but already my husband has started to pinch pennies everywhere. I can't even get him to talk about taking our first trip after I retire. This is already driving me crazy. How do I get him to get comfortable with the idea of spending some of our savings on some fun things? This is what we saved it for. Yeah, And that's not a surprise. What that clearly tells me is that they don't have a plan that they haven't really analyze what they're doing, as I often talk about on the program. We look at the Lifestyle expense as the foundation of the financial plan for your retirement. Understanding what your lifestyle expense has been for the prior 12 months is so important and then from there, you can determine Let's just pick a number. Let's say you've determined that you need 5000 months to maintain your lifestyle. Well, okay, you've got 5000 expense. That's a net number after taxes. Well, how much Social security or For each of you going to receive how much, uh, of a gap will be remaining. So let's just throw some numbers. Let's say you need 5000. And let's say you each have a social Security will make it easy to keep the math. Easy for me. Let's say you each have 2000 coming in. Well, you have $1000 gap per month times. 12 That's $12,000 a year. Do you have enough saved in your assets to generate $12,000 per year on a net basis, many after taxes, And if you do, then you really shouldn't have to interrupt your lifestyle expense at all. There would not be a need to pinch pennies. But if you don't know that information right now, you can certainly get it. We'd be happy to help We have something called an income Gap Assessment tool. It's very simple. And in about 10 or 15 minutes, you will literally know what your lifestyle expenses for an entire year. I mean, come on 15 minutes. You really have to add up about 12 numbers. That's it, and you'll know what you're spending for an entire year. Now with that information there, it's easy for us to back into the number and say Okay, if you need to generate 12,000 year at the beginning, plus inflation adjusted as you go forward, how much money do you need, saved or invested? To handle that. And if you have more than that, then you should be comfortable. And they would not be a need to necessarily pinch pennies everywhere as she put it, So if you're unsure where you are, and you would like to better know where you are simply text the word visit to 41 207 200 wanted to meet with us. We'll take you through our complimentary process. Part of what We will learn is what your lifestyle expenses and then we look at what income do you have currently to apply towards that? And how much is the gap? What's missing? And what do you have saved? And can we generate enough income to cover that and then going forward? Of course we need higher rank Come in the future because things always cost more as we move forward through life. So text word visit before 1 207 200. We can Helped him better understand your financial situation. And thanks for us, That's a great question in a very common one as well. I bet that is common. Absolutely good insights there, Jeff. Here's our next question. There are a couple of local charities that we've regularly supported throughout our careers. We don't want to completely abandon those causes now that we're retired, but it seems scary to keep giving as much. And we're on a fixed income. Should we hold off on charitable giving if we're worried about the financial impact Yeah, that's that's a tough question, because it's not just a financial question that's like a almost like a morals type question. Now there are some faiths that believe in tithing giving 10% of your income. Regardless, that goes first. And then you get to live on the balance. And then many don't have that same feeling. I'm a firm believer in charitable giving, and if I recall correctly In the in the good book as it's called in the Bible. It talks about how You know, giving from your wealth is not as impactful. As giving from your need. So it's kind of interesting. So those that have less but yet still give are looked upon more favourably, I think is the message in the Bible. Um, I'm making this a religious kind of thing, but that just came to mind. So I threw it out there. Um, charitable giving is important. You know, I'm a firm believer and giving I've been. I'm grateful for where I am in my life, and I do like to give back If you've been listening for me on the radio the last 16 years, you know, we do charitable things here on the radio. We've done, um things for wrote down the food bank. That was the most recent. We've done things for. Veterans. You know, we do different charitable fundraising. Thanks because we think it's so important, so I would say the best thing to do. To sit with a professional and then lay out a plan because you may be able to continue with your current level level of charitable giving and still be okay. Based on the assets that you have and what your other expenses are. So the best way to find out is to meet with the professional if he'd like to meet with one of the advisors here on the massing Associates Team, simply text word visit to 41 207 200. We'll connect you with one of the advisors here. They'll sit with you Go through your finances..
Massey on Money
How Much Do You Need to Save to Retire Comfortably?
"Be with you today. Well, hello, Megan. It's always a pleasure. I'm looking forward to sharing some more great information to our listeners today. Well, there's a lot to get to and I want to start with how much we should be saving for retirement. Jeff, How do we make sure we were actually on track to meet our goals. It's kind of interesting. You hear a lot of things, especially when it comes to like emergency money. I'm sure most of our listeners have heard you should save at least 3 to 6 months of of your your monthly income to have as a cushion. In case something happens with your employment, and that's a good rule for those that are still working. But once you get to retirement, it's a little different. Um, when you get there, we call that the pillow money. How much do you need to have in the bank as emergency money so that when your head hits the pillow at night, you're comfortable now That number is going to be vastly different for everybody. Some we've had some people come in and say, Look, I only want $5000 and I'm like, Oh, no, no, no, no, that just doesn't work. But having 50 for some folks is plenty. Some folks need 100,000. Everybody has their own number, So it's important for you to get comfortable with that number. Keep in mind that there is a cost for having that pillow money. And what I mean by that is you're not going to make much money in the bank because the rates are currently you know. It's just not producing much so you won't make much there. So you want to have emergency money but may be considered to different phases of that. So the initial emergency can be the bank with its 25 40 50,000 whatever your number is, But then you can have money invested in a brokerage account that you can liquidate those investments and have that put into your account within, say, three days or so. And that can be like your second portion of emergency money. At least that part the the invested part can make some money and that way you're not putting it all in the bank and not earning anything on it. So that's that's a recommendation there. So one thing to look at. That's just one thing. Of course, there are many different things to look at. When we talk about this topic. It's a
Pacifica Evening News
House Lawmaker Suing Pelosi Over Mask Rule Says He Has COVID
"Republicans suing House Speaker Nancy Pelosi over finds they got for not wearing mask during a U. S House session. Has contracted a breakthrough case of Covid 19 representative Ralph Norman of South Carolina tweeted. He began experiencing minor symptoms of covered tested positive for the virus. And now would quarantine for 10 days. The congressman says he's been vaccinated since February. Last week, he and representatives Marjorie Taylor green of Georgia and Thomas Massey of Kentucky's food Pelosi Saying that they're $500 fines for not wearing masks during a house vote are unconstitutional and should be resented as his
News Radio 920 AM
"massey" Discussed on News Radio 920 AM
"I'm Megan Mo Zach 401 272 100. That's the number to reach out to Jeff. Massey, the great team he has there at Massey and Associates, Anchia heard They serve good coffee folks and fresh baked cookies. I mean, you know, not to mention the stellar financial planning and retirement preparation, but you know they will treat you right, which is really cool and we were talking about Treating ourselves right? And that means being physically fit eating right? Exercising drinking your water going to see the doctor, right? Um, Here's an interesting statistic, And this comes from The AARP Foundation survey. They say, Oh, Jeff, only 17% of adults, 50 and older are what they call financially healthy, so that means a lot of us are struggling with some aspect of our financial lives. What's causing so many people to To fall behind or to get tripped up when preparing for retirement. Well, there are likely many things that are doing that. But one that immediately came to mind was a couple we we just met with long term radio listeners. He's like 58. She's like 61. They came in because they weren't sure if they were on track, and he made a comment, he said. I think we'd be in a much better position if we didn't have so many grandkids because we keep spending money and our grandchildren And did he look at his wife out of the corner of his eye? Well, no, they looked at each other, and they both kind of chuckled about it. Which is great. So there are like six grandchildren between them. And, you know, it's a great thing and as a grandparent, you know, I can kind of relate to that. Because you know if your grandkids need something, you know, you just want to help out right? So, um, we we do find it funny. There are so many things that can get in the way of your retirement preparation. And little things, uh, can make a big difference over time. And the more time you have to retirement, the better off you'll be. You know, the old saying, But how quickly do they turn? Or would they turn like a large vessel like a cruise ship? I mean, they can't just do a right hand turn. They have to take a gradual turn. It takes a long time to get that big boat to move. You know, to change course, so taking simple steps with your retirement planning. The same thing. Just little. Thanks. If you can cut back just a little bit in 12 or three different areas of your life. You'd be surprised over time. If you take that little bit of change and put that away. It builds up over time. The more time you have, the more impactful that would be Now there's some folks that we meet with on occasion that are really struggling with every time of planning, And so it takes a little more of, uh, you know, take one on the chin, so to speak, that you've got to cut something out. That's a little more substantial. Perhaps that's something that you might love to do. But it might be a little more expensive than your hobbies should be at that point in your life until you get more on track to what you need to have in your retirement savings to be able to retire comfortably. And One of the thought that just came to mind with that couple they were. They were so so concerned that they weren't doing such a great job and they were saying, you know, it's that million dollar figure that we had on our mind that we have to get there. So how many times Megan if we talked about Where the commercials of old kept using that million dollars. You've got to have a million and I said it was such a disservice for so many people, well it that these folks were a classic example because what they do have saved Plus the Social Security's will more than cover what their lifestyle expense would be not just currently, but even projecting out to when they retire, which is probably going to be in about seven years. So you can see where in their mind. They had to get to a million dollars before they'd be able to retire and they were about halfway there. So that's why I said that so many times in the past that I felt that was a disservice to so many people. So they were. They were elated when they left after the first meeting that they were, you know, and it's such a hot warming thing to see how you can look at something real quickly dispelled the myths that no, You don't need a million based on your lifestyle, you know, because you're not extravagant. Right now, If you're extravagant, well, you might need that million. But for many people, that's not the case at all. So if you're sitting on the fence, you're not sure where you are with your retirement planning. And maybe you've got that million dollar figure in your mind. Well, when we find out if that's a realistic number for you, If you even need to be that high, you might only need half that. Who knows? But you can find out simply by coming in a meeting with one of the advisors here on the team at Madison Associates, so to start the ball rolling if you will simply text the word visit to 41 207 200. And we'll have Denise reach out to schedule some time and you'll come in and go through our process. Well, listen, we'll have a great conversation about where you are currently and what your thoughts are about where you want to be in the future and what's important to you. Not only about your money but about your relationships, your family, etcetera, because that's so important when we put together a retirement plan. So again text the word visit to 401 207 200. We look forward to seeing you soon. Jeff, I I want to follow up with something That's I think closely related to what we've been talking about. But Why do you think so Many people put off getting help with their retirement planning and leave it maybe to almost the last minute. You know that? That's a really good question. I haven't really given that a lot of thought as we think about it. And the feedback we get when people come in. I think it's there's that little bit of a reluctance because they've never worked with the financial planner, and they're not sure what to expect. I mean, we're nice folks in here. We're going to treat you right. We're very friendly. It's a great atmosphere. Um and I do get a kick out of when people come in..
News Radio 920 AM
"massey" Discussed on News Radio 920 AM
"There's a lot of different things that we can do here and we've got decades of experience doing this type of work with retirees. We've helped hundreds of people retire so we might be able to help you and your family as well. And that's good to know because I like how you said that there's different stages of retirement. Different needs right a different points in our life. If someone's listening, and they're not sure If they're financially healthy for that stage that they're in, or they're not sure their retirement plan that they put together actually fits what they want to get out of retirement. What would they Do what's a good course of action. Well, here's Here's a point. I'd like to make that. You know, when you put in the context of doctors when we're young, we go to a pediatrician, and then we switch to a more primary physician and as we get Into retirement. We might even go to a geriatric take physician, so the point is, we work with the doctor that's appropriate for our age and where we are in life. Well, the same thing goes with financial advisors. There are a lot of good advisers out there that are focused on accumulation, and that's all they think about. How can I make your money grow? And that's obviously a very important thing to have. However, there becomes a point in time where you should consider handing the ball off to another advisor. That's not just focused on growing the asset per se, but distributing the asset in the form of income for you. For the rest of your life. And if you you have an interest in looking at that, because maybe you have been working with an accumulation based advisor, and maybe it's time to shift gears. A number here is 41 207 200. You can call and leave a voicemail or same number you can text and text the word visit to 401 207 200. Either way we'll reach out to you schedule a time for you to come in. We will review where you are currently and then do an analysis come back at the second meeting and show you our observations as to what we see. Whether good or bad in your current portfolio, and if we feel we can help, you will explain why at that point and how we charge and what our fee would be, because we don't know what that would be until we see what we need to work with and what we need to work on. So pretty simple process pain free, By the way, you know, we're very friendly here. Messing Associates Inc so simply text word visit to 401. 207 200. We look forward to hearing from you soon, and we will be back with Jeff Massey. There's much more on our show Straight ahead..
AJ Benza: Fame is a Bitch
Kyle Massey Charged With Sending Explicit Images to a Minor
"Now today we have Kyle Massey, known for playing Corey Baxter, the lovable curry Baxter on Disney's that's so Raven. And also Cory in the House. He's now facing a felony for allegedly sending hello allegedly sending pornographic material to a 13 year old girl. He knew. He's known as when she was four. I presume he can do general mathematics, not that hard to go from four years to 13 years, right? He should be able to no time. I mean, that's 9 years. But no, he still sent a picture of him. Holding his manhood out or boyhood out, whatever you want to call it, well clearly it's manhood because he's an adult and she's not. So he's in trouble. It's disgusting. But you know,
Richard Eeds
Kyle Massey Charged With Felony for Immoral Communication With Minor
"Former Disney Channel star Kyle Massey is being charged with a felony for allegedly sending pornographic material to a 13 year old girl. TMZ reports The Korean, the House actor. Has been charged with one count of communication with a minor for immoral purposes mess. He was scheduled to appear for his arraignment yesterday at a court in Washington State, but he failed to
SpaceTime with Stuart Gary
Rosetta Stone Eruption Could Help Explain Solar Explosions
"Dramatic molly staged eruption on the sun as revealed new clues. That could upside is solved. The long standing mystery of what causes the sun's powerful and unpredictable explosions a report in the astrophysical journal letters claims and covering this fundamental physics could hope scientists better predict the eruptions which caused dangerous base weather events on earth. The explosion contain components of three different types of solar eruptions that usually occurs separately making it the first time. Such an event been observed having all free eruption types together in the one event provides side with something of a soda of sola version of the resistor align them to translate what they know about each top of solar eruption in order to better understand the other types of eruptions in the process. Uncovering the underlying mechanism. Which could explain all types of solar eruptions. The study's lead author. Emily mason from this as god spaceflight. Centering greenbelt maryland. Says the vent drives home the point that these eruptions that caused by the same mechanism simply on different scales eruptions on the sun usually come they of three forms a colonel massey jackson or see me a jet or passion eruption colonel massey jackson's and jets a both explosive eruptions casting energy and particles in the space but they h. Look very different. Jets erupting is narrow columns of sola material while colonel massey jackson so say form huge bubbles that expand out pushed in sculpture by the sun's magnetic fields paschel eruptions on the other hand. Start erupting from the service but don't develop enough energy to leave the sun so most of the material force back down onto the solar surface this rosetta stone eruption occurred back on march the twelfth and thirteenth in two thousand sixteen it was observed by an ss solid dynamics observatory spacecraft as well as the joint nassar in european space agency solar and helius freak observatory spacecraft. Soho what. Scientists saw the ejection of a heart layer of sola material above magnetically active region on the sun's surface.
The Economist: The Intelligence
Bibi, Its Cold Outside: Israel's Improbable Coalition
"Political rivals of benjamin netanyahu appear to be closing in on a deal that would end his reign. As israel's longest serving prime minister roadshow chamois with slaley whole elliott be done yesterday. Opposition leader yahya low-paid announced that in a week the state of israel can be in a different era. His is one of group of parties attempting to form a coalition. That would remove mr netanyahu from power. Mister lobbied a unity government means dominica's show at the prime minister in such a coalition. Would to begin with b. Neftali bennett a former aide to mr netanyahu who now leads his own right-wing party cadila kim shelat the partnership would rescue israel from a tailspin. Be medina massey arranging a workable. Coalition will be a challenge. The parties have fundamentally conflicting ideologies. Another obstacle mr netanyahu alf who warned in his own press conference on sunday that such a government would be a threat to israel's security fillets move fellas all after four elections in two years. Political stability is long overdue in israel but a convoluted effort simply to unseat. Mr netanyahu might not be enough to get there
News Radio 920 AM
"massey" Discussed on News Radio 920 AM
"A brokerage account and investment account. It gives you the advantage of working with capital gains taxes versus ordinary income tax coming out of your four. Oh, one K or IRA plan. So there was so many different ways that you can save money is just the matter. You got to start somewhere, and if you have not yet started to save for retirement, it's never too late to start. Just start small and then as you can increase it a little bit, increase it a little bit, and over time, you'll be getting up to where you've got a substantial amount. No, most people say. That you should be saving a minimum of 10 or 15% of your gross income each year for your retirement years. Now, if you're in your forties or fifties That's not probably going to be enough for you to save. You probably need to start at a lot higher percentage to make sure that you have a good cushion when you reach retirement. If you're younger, or you have kids, grandkids, and they're starting out just out of college. Man. The best advice you can give to them is start saving for your retirement now and the younger you are the more important it is, In my opinion to save in Roth, I raise or Roth for oh, in case any type of a after tax savings vehicle. It's so important because in our opinion taxes now are likely going to be the lowest we're going to see for a very long time as it stands today. Income taxes are scheduled to revert back to 2017 levels in January of 2026. We're going to see pretty substantial increases at that point. Now, that could happen earlier. You know, in 2021, we could theoretically see a tax increase now. Don't know if that would happen. Let's hope that it doesn't. Let's hope that we can play it out through 2025 because it's important for us to do taxes are such an important part of your retirement plan. It's important to save in our opinion after tax money, it will come out tax free, so it doesn't matter what the tax rates become down the road when you retired. That's the huge advantage of that type of a strategy. That help you better understand taxes and the impact into retirement plan. We have put together a real good report. It's simple enough, but it gives you good information. Simply text the word tax tow for a 1 207 200 easy enough to remember. You don't have to text while you're driving. Please simply text the word tax to four a one. 207 200 will get that report right out to you. Easy Is that Wow, Jeff, making it so simple And that's a great report to have in your hands, especially if you're thinking about retirement. You know, when we talk about a four Oh one K. Jeff and how it really has transformed into this this powerhouse for retirement. What are some of your best tips for people who do have a four Oh one k Or maybe do you have a better option? Then a four Oh, one K for people who are so working Well, when you look at the big picture with 41 case, step one is if your employer Is nice enough to be providing any type of a match to what you put in your first step is to Maxim is that so? As an example, Let's say that they are pretty common numbers 3%. But let's say the real generous and they'll match up to 5%. Dollar for dollar of what you put in. So if you put in 5% of your pay, they'll put in 5% of your pay. That's a huge way to save for your retirement. Now after the match is where you kind of, lay it out and say, all right? Well, how can we do this now? If your employer does not offer a four Oh one K with a Roth option within that for a one cave. We'll start lobbying your employer to offer that Now. Generally, all they need to do is make a document change A 41 K plan document change to allow the Roth contributions to go into a separate four Oh one K account within the four Oh one K plan. Advantage of that you're paying today's taxes. Again my opinion today's taxes of the lowest you're ever going to say so pay the tax. Today it will grow to a bigger account balance by the time you get to retirement, and it'll come out tax free. As long as you play by the rules and pretty simple to do you need to be 59. A half needs to be in a Roth for five years. That's it. So for most people You're well before 59 a half, you'll have the five year taken care of soon As you get the 59 a half you can draw the money out Income tax free, So that's a big part of a plan. And then following. We have a lot of folks that hears on the radio committee meet with us and want us to analyze their four Oh one K plan, And we actually do that, Megan, You mentioned our second opinion service at the beginning of the program, and that's why we offer that we can show you what the level of risk is in your current investments within your 41 K plan. And then if you would like a so you can hire us to manage the investments within your four Oh one K plane. Even if you're in your thirties and forties, we can do that. Now The money needs to stay there at the younger ages. Once you're 59 a half The I. R. S allows you to take control of your four Oh one k dollars, even if you're so working, even if you're so contributing, and you can move that to an IRA, and that opens up the world for investment, so you can do all types of things in an IRA foreign case as good as they are tend to have limits as to how much or Where you can put your money. You know what your investment choices are. So when I read gives you more flexibility, So this is a very complicated topic. Meghan and I wrote about this in my book, and I would like to offer my book out on a complimentary basis. Simply text the word book before a 1 207 200 will reach out to get your physical mailing address. We can mail out the book and we'll get that out to you in the coming week. Simply text the word book. Before a 1 207 200. We'll get that book out to you this week. That book was a labor of love. Was it not Jeff Labor for sure. And yes, it was a labor of love as well. Yeah, it took it took a long time. I was on my goals sheet for, like, 10 years and I finally once I finally committed to doing it. It took me 18 months, you know, because I don't shut down my office. And can't meet clients. You know, I just so I had to run the business, meet with clients and write the book. So, Yeah, it was a labor of love. Glad I got it done. And now I'm like flirting with the idea of okay. What's the next book going debate and you know how else can we provide more value to our radio listeners by maybe doing something a little bit differently? Happy to have you with us for Massey on money. Meghan, Mo Zack here with the founder and president of Massey and Associates, Inc. Jeff Massey. We're glad you're.
Your Daily Prayer
A Prayer for Boldness to Share the Gospel
"Prayer for boldness to share the gospel by emily rose massey read by liam martin the wicked flee when no one is pursuing but the righteous are bold alliant proverbs. Twenty eight one. Few years ago. I was met with a strong desire to begin using my social media accounts to share my faith in christ with others. I didn't want to use my words to manipulate people's emotions to gain likes followers but to point them to the truth. Found in god's word alone as a writer. I see social media as a place of ministry. I never wanna compromise. God's truth so that others may feel comfortable to embrace my message. I don't want a twist or misinterpret scriptures that the entire meaning has changed. Her confusion is created because it might contradict what we find in the bible. I discovered very quickly that exposing darkness and error wouldn't win me any popularity contests online as someone who spent many years healing from the wounds rejection. Denying myself the desire to be a people. Pleaser has to take precedence when it comes to sharing god's truth even when it tends to offend standing up for god's word in a culture where truth is relative and not absolute as it should be comes with a lot of pushback even among professing christians but his true christ followers live to please god and not men as believers. We shouldn't compromise truth to be popular. We also shouldn't be quarrelsome. We need to stand firm upon truth no matter what others may say about us or about our god. Proverbs twenty eight one reminds us that believers don't back down or run away at the first sign of adversity a wicked flee when no one is pursuing but the righteous are bold as a lion proverbs. Twenty eight one.
Hugh Hewitt
US House Passes Resolution Condemning China's 'Human Rights Abuses' in Hong Kong
"Passed a resolution Monday to formally condemn the Chinese government and the Hong Kong regional government for actions that violate the rights and freedoms of the region's citizens. Lawmakers adopted the resolution by a 4 18 to 1 vote that calls on the Chinese government in the Hong Kong Special Administrative Region to release pro democracy activists and politicians arrested under the National security law and acted last year that reduces the city's autonomy and imposes harsh punishments for protesters. Kentucky Republican Thomas Massey was alone law making a vote against the resolution. Former President Trump signed legislation into law last year and impose sanctions on individuals responsible for violating human rights in Hong Kong, as well as entities that materially contribute to the Chinese government's efforts to undermine Hongkong's autonomy. Bernie Bennett in Washington,
Everything Everywhere Daily
Alcohol in Early America
"Despite the very strict religious beliefs of early american settlers their religious beliefs didn't include abstaining from alcohol. Far from it they saw alcohol as natural and a gift from god. Jesus both consumed wine as well as made it at the winning qena so long as you consumed in moderation. They had no problem with alcohol. The rationale for drinking alcohol was that water wasn't considered safe. This belief wasn't totally wrong. Prior to development of modern water purification methods the simplest and easy way to kill microbes in water was with alcohol. Straight water was almost never consumed. One stories told a better. Talion immigrant named philip massey. Who caused a stir at large dinner. Party in philadelphia where he asked for a glass of water. He recounted quote. I perceived some confusion among the servants and the water did not arrive the host next to whom i sat whispered in year asking with a smile if i could not drink something else because the unexpected request for a glass of water upset the entire household and they did not know what they were about unquote. When the first. English settlers arrived in america. Getting the ale that they were used to consuming was difficult. The ingredients to make ale didn't grow that well in new england and importing from england was really expensive. This led to the consumption of different types of alcohol and those tastes drove a large part of the colonial american economy. The biggest rank in colonial america by far was rum by the time of the american revolution. Colonist were drinking three point seven gallons of rum per person per year rum is made from molasses. Which comes from sugarcane. Rome was first made in barbados and then imported to the american colonies. However the demand for rome was such that the first round distillery was established in boston in sixteen fifty seven. Eventually every town of note in the colonies had their own. Distillery
Scientific Sense
Prof. Cecilia Lunardini, Professor of Physics at Arizona State University. - burst 01
"Welcome to the site of accents. Podcast where we explore emerging ideas from signs policy economics and technology. My name is gill. Eappen we talk with woods leading academics and experts about the recent research or generally of topical interest scientific senses unstructured conversation with no agenda or preparation. Be color a wide variety of domains. Rare new discoveries are made and new technologies are developed on a daily basis the most interested in how new ideas affect society and help educate the world how to pursue rewarding and enjoyable life rooted in signs logic at inflammation v seek knowledge without boundaries or constraints and provide unaided content of conversations. Bit researchers leaders. Who low what they do. A companion blog to this podcast can be found at scientific sense. Dot com and displayed guest is available on over a dozen platforms and directly at scientific sense dot net. If you have suggestions for topics guests at other ideas please send up to info at scientific sense dot com and i can be reached at gil at eappen dot info. Yesterday's dini whose professional physics at amazon is taking versity. One of the primary of usage focus is new leaders. Welcome to see you thank you. Yeah thanks for doing this. So i know that you have done a lot of work on neutrinos. You have a few papers. That came out recently. And i want to talk to a twenty eighteen paper dalogue and my own neutrino signatures of primordial black holes. invite you say. These studied primordial black holes ph is as sources of massive neutrinos by hawking radiation under the hypothesis that black holes emit nuclear no bass item states be described quantitatively called the pbs evolution and lifetime is affected by the mass and flew munich dialect my own nature of neutrinos before we get the details celia I wanted to get some definitions of folks would know what black court saw a few episodes of black holes Here we're talking about. The pride won't imprac codes owes The these black holes are fall close to the big bang And then as caulking radiation Sort of The black hole evaporating So to speak and that That lady Imitating these particles called neutrinos. Right is that. Do i understand that correctly. Yes so so pry bhutia blackhaws before we get the neutrinos what is sort of the mechanism of formation their ho- exactly what they have formed sure We believe that Primordial hose could form in the early universe from density fluctuations so We know that any object could can possibly become a black hole if you compress it into a very very small volume so this same process could happen in the universe with Density fluctuations that could be a regional space where there is an over density compared to the surrounding and each of over the east coast past Then then it could get to the point of becoming a black hole This this The details of this process are beyond my expertise But this is fairly reasonable thing to expect and The diesel really small rate in the scheme of things. Yes so when i started to Learn about time or their black holes. I was amazed by how different in mass can be. They can be may be the massive wouldn't but they can also be The mass of Being or they can be Even even smaller so they can really be very very tiny. Yes oh so. That's really really small so this is sort of quantum fluctuations only universe Kind of getting Getting concentrated in vide- small areas But we believe those. Those primordial black holes emit nucleus. we Have to go back to stephen hawking for that stephen hawking wrote this seminal paper Which is about what we nowadays. Nowadays call hawking radiation so he demonstrated that any black hole regardless of what it is could be primordial black hole or a stellar. Nicole doesn't matter any black hole isn't really black because it meets radiations so radiation particles And the the process that we call evaporation so Because a black holes fundamentally gravity objects they would meet any particle that couples to raggedy including trees so It's the moment you have a black hole you do. Have hawking radiation and neutrinos are just that are expected. Part of hawking radiation. You're so caulking radiation so that that happens to every black hole even the even the supermassive ones right so i it said gentle phenomenon And so going to neutrinos now Don't typically thing neutrino site Caltrans and electrons are really well known. neutrinos are particles. Dad don't interact with The matter Espionage don't interact much with matters. We don't really see them. They don't really see them. And and so it's difficult to measure that's right and so so this could you give a. What does the history of neutrino vendor we. I understand such things existed. Let's see We go back to the twentieth century and the story goes That the father of neutrino sees Warfare he. He made the hypotheses of a new particle existing as a way to explain Some strange behavior of neutrinos produced by by nuclear decay so It's it's a long story but Let me just say that For a long time. Neutrinos who just the hypotheses and then around the mead of this twentieth century They would actually officer so we started to Know that this particles existed and But that was pretty much heat. So we didn't know much about the properties And one of these properties the mass which we still don't know i'm easy after all these decades but we still don't know if neutrinos have something like a magnetic went for example And something that we didn't learn until much later on is the fact. That neutrinos oscillate. That's that that sounds. That's something that we that were somehow established Turn of the sanctuary around the around the year. Two thousand really after after decades of of testing with the solar neutrino selling trainers. So there are still there are still a number of no on your trainers. One of them is the mass one and the other one is the The nature of the neutrinos being the iraq particles or miranda particles we She's kind of a fundamental cost. So there are that. That's that's that's related to the fundamental nature of the neutrino as particle break. So so they do. They have a mass but masses small. Do they have a chunk. Neutrinos don't have charge so they are electrically neutral and that's Comedy the biggest reason for for them to be a so allusive as you were mentioning earlier on especially in the in early. Nineteen hundreds all the particle detectors so basically a electro-magnetic detectors they were looking for charge or Magnetic behavioral some sort. So neutrinos don't have that and so they They only have the weak interaction At that that we know wolf and gravity of course and so that's why they They escape detection so so easily because their interaction is very weak. Yeah so so. That's sort of the beauty of neutrinos right so because they don't interact V can go back digits of years. Simple hats Perhaps become pickup one on earth and it would have travelled that distance through all sorts of things but would not have affected wider rate right. Yes and so so the other phenomenon of neutrino is that you mentioned that they also late so are they're failures of tinos they go back and forth. Yes it's It's actually a fairly Easy to this cried kwan to sonam on We know that In quantum mechanics there is this Particles described by these function which is called the wave function. And so the neutrinos could be on. Neutrino could be born as a say an extra and then it's quanta way function would evolve over time in a way that after sometime. The wave function is no longer a purely electron neutrino way function. But the has a little bit or even law actually of a different flavor. It could be a new one or tau. So what we observe in the actors. Is this change of flavor and perhaps the most striking demonstration of this phenomenon is solemn. Neutrinos because we know that the sun produces an extra treatments and It doesn't produce a new on and talion trainers so But here on earth we do Have evidence that the solar neutrino flags that we receive has some You wanna talion. Trina in it and that can only be explained by sedation and Actually after this other neutrino data showed this phenomenon. This was also confirmed by a saint men made experiments so it's a fairly established phenomenon it and so that the flavors are Electron new on tall. Yes that's right and so. Did you understand the vendor made in the sun for example there they are made as electron Neutrinos and by the time they reached the earth day the Immunes dot. Yes yes Impart young. that's that's what happens so ease. It always the case that they get a manufactured so to speak as as electoral neutrinos always. It depends on where they are born. There are places where neutrino sutter born in or flavors. A so it's it's it really varies with With the type of environment We are talking about okay. Okay and so in the people you say ph is this primordial black holes. We talked about radiates right. Handed and left handed dutra knows in equal amounts so anybody right-handed unless the cleaners. Okay let me see so Yes you say. Indicates of dirac neutrinos. pba Left neutrinos in equal amounts possibly increasing deceptive number noon pheno species nest. Yes is that explainable. Yes so right handed than left handed. Neutrinos that may take why to explain what that exactly means me. Just say that It's related to the neutrino mass. So if you're truly knows didn't have a mass which we know they do but if they didn't have a mouse They would only exist as left handed particles which means that basically their spin is Is anti aligned with the momentum and but if they have mass and the iraq particles There could be another type of neutrino which is right handed. Which where the This being ease aligned with a mentor other than anti line and so If you are iraq these these two different species could exist and so instead of having one species of neutrino emitted left-handed one Indicators of a massless trina if we have not suv nutrients than you would have to species and so. The black hole radiate war energy compared to The case when neutrinos don't amass so when we started working on this paper i was interested in this phenomenon that A lot of the literature having to do with a developer. Evaporation of primordial black couls. Consider the neutrinos as massless about. Now we know that they are massive. And so i thought well Sixty speaking at primordial black hole could radiate more energy than previously thought. So i found that aspect interesting and then sees you mention the possibility to increase the effective number of species. That's related to what it was talking about. So then you the black hole would ra- gate more neutrino States or more neutrino Species to spe pseudo speak and then Would increase the number of neutrinos per cubic centimeter Data we observe today so I'm kind of glossing over a lot of these days. But basically cosmology gives us a measurement of this and effective which is called the effective number two species. And if you have this right. Handed neutrinos coming from the primordial black holes. This number could be higher than than expected. And so that would be may be a i way to tell that maybe there are more black holes in the universe yet. So so the hawking radiation essentially creation coming out of black holes Expected defined Expected that over a long period of time. Black holes radiate away lap. Later ray out the mass or information that didn't do it And so this. Radiation is hockey. Radio station is it is a new park. Or is it. Fundamentally composed of neutrinos hawking radiation is made of every particle that no of so A black hole. A camera gate Pretty much everything. Photons neutrinos throngs You loans It said cetera but There is the catch here. The fact that a black hole has a temperature which is another Big achievement of stephen hawking to end and others To that the black hole is thermo dynamical object and so Basically the bigger the black hole the lower the temperature so if the temperature is really low The black hole wouldn't be able to immed- Very massive particles because they are thermal energy would be sufficient for that so because masses energy Mc squared right so because massey's energy If a black hole has too low of a temperature It wouldn't have its quantum energy It's it's Wouldn't be enough to produce the mass off a particular particle for example a proton may be too heavy to be produced by a really low tanto black home so so the beaker. The black called the lower the temperature. Yes ed so. So then can expect the bigger black holes to have more of a neutrino content in radiation. Yes because The bigger black holes would as i said be able to radiate the heavy particles and so they would only be able to radiate away the low mass particles and so there could be black holes that only emit photons gravitons and Neutrinos do a of sort of the distribution of this primordial black holes Isn't you know sort of everywhere. What is what do we know about you. Know some of the distribution of bbc's you mean spatial distribution like where they are now. I'm wondering just like the easy would do sort of look at the early universe will find them everywhere Probably at the beginning they would be a more or less uniformly distributed Bug in the universe. Today they would probably be Behaving like the dark matter. Does they would Be part of galactic halos In other words they would be they would class gravitationally on large structures like a like a galaxy placido galaxy so these call still around They would they would behave like like the dark matter down. So they would be in in halo. Galaxies would have by. Now have april would would they not have disappear because it far it depends on the mass That they have when they are born so their if their mass is less than a certain value that trying to remember Basically yes they would have to By now they would have completely evaporate did their masters larger than they will take longer to evaporate and they could still be around So they roughly speaking the dividing line between a black hole. Steve being around today or not. I think it's something like ten to fifteen grams fiery recall correctly into fifteen clams though So this paper. Eusebio obtained the diffuse flux of right hill. Neutrinos from his idea and so so. So so the nikkei actually act to build these neutrinos. They'd be flying here do pbs specifically In principle that's a possibility we Considered that for certain Masses of these black holes and certain density of this black holes the flux of neutrinos that they generate over time could be fairly large and so we could Detect these neutrinos If we had a very Power who attacked so Now life is never ideally in the sense that a real Ut detector have substantive issues like ground And so on. So at the end of the people we conclude that impact is giving given the limitations that current nutrient doctors have It may not really be possible to detect neutrinos trump mortgage black holes but people. That's a possibility and that alone is interesting. Yeah because they suggestion that this primordial black holes could be as as you mentioned could be part of the dark matter that yes to seeking. Is that still About us that has been. There has been a debate on these Kind of going back and forth in the scientific community The latest i heard is that Black whose could be part of the dark matter. Maybe even a large part but probably not they entire dark matter so a one hundred percent primordial Battery is a bit difficult to justify the day. experimental bowels that we already have constrained so various types but there could be scenarios where maybe a fraction of the dark matter. He's made of primordial black holes. I wanted to go into a ended up paper in twenty twenty supernova neutrinos directional sensitivity and prospects for dissertation here the export potential of current and future liquid cinta league neutrino detectors. I decade old town. Mass a localize a super a supernova neutrino signal into sky in douglas was feeding the core collapse nearby star tens to hundreds of english Coated and don't be constructed policy in the detector can be used to estimate a direction to the star so so this is now neutrinos from supernova and You so so we. We have Idea here that before this opened on what happens. If please open over a time period it is creating neutrinos that could pick up and and potentially get ready to see the super bowl. Yes that's what excites me The fact that Think about bitter jews. Beetlejuice is the most famous nearby star. That could go supernova anytime and we don't know when that's going to happen and If it wasn't for these neutrinos that our paper is about we will know until the style literally Collapses and and then soon after becomes superman but in this paper we we Show that before the star collapses which is the beginning of the supernova process We can detect these. These neutrinos That are used at that at that stage and so increase the pool we could know that You know tomorrow. These days beetlejuice exploding and that that would be quite exciting. Yeah it's beetlejuice is is red joy and reasonably close to was really big star. I can remember Cecilia there was some suggestion that It could go supernova within something one hundred fifty thousand years which is obliquely in cosmic time so it is getting ready to go to Supernova right yes. I am not you formed about exactly the number of years give or take but it's it's ready it's ready. It could be any time and any time any time for an astronomer muse anytime the next thousand soviet so we should. We should hold their breath. But it's ready could be tomorrow. It could be in a hundred years could supernova. I know that this is not part of the paper but could the beetlejuice supernova avenue adverse effect on north really know a supernova is very very spectacular event. it's it's a star that collapses so it implodes i and that explodes and then when he explodes It's very bright. In the case of bitter jews we could. We could see by naked-eye shore but in terms of A fact of each radiation and neutrinos in light on on us and on our daily activities. It wouldn't it. Wouldn't affect them in any way so it's a save Show to just enjoy without any worry. Great answer so you talking about supernova neutrinos so so can be actually detect neutrinos from supernova. What different from what we talked about in the previous people Different from pbs I'm not sure. Can you repeat yes. So the new teen emanating from a supernova different from the Neutrinos of expectancy from a primordial black hole. Yes the the different In many ways disney trails have higher energies. So it's much much easier to attack them and indicates will beat the jews. We would detect thousands or even more of dan millions. Probably of them Indiana so different in the way they are born because in our primordial black hole ordinary black hole The processes volcanoes the asian. Which which is a gravity phenomenon in a supernova. You're born out of the very hot and dense environment That the that that the star as after it has collapsed so star collapsing on its own way to become very dense and so In this very dense in hot environment nuclear processes take place that produce these nutrients. So i guess the main difference is that indicates supernova it's most nuclear phenomenon and in the call is really fundamentally a gravitational sonam. Okay you discover technique in this paper and you saved sin principle possible unique the identify the progenitor star so So the existing technology and ideas discussed in the paper viki see teacup a neutrino decode. Identify valid came from or what direction thing from embed you can go back and look at the in that direction if he find to supernova then you could say that the supernova that created in-principle Yes let me. Just say that There are situations and this is not one of them but there are situations where if you have one neutrino you can point to the pointing the sky. What came from in these case. It's a little more complicated. Because what really gives us. The information is the statistical distribution of these nutrients so we are talking about may be the tax in hundred a hundred Gable take from say be for example and What did detector really observe is not the neutrino is kind of a vector which is related to the products of these neutrinos so this neutrino sues interacts with the interact with the detector. And then out of this interaction you have a positive on the new thrown and those can be observed and you can you can create a factory using these two and then and then these rector will have a certain orientation but each each neutrino coming will give you a differently oriented vector but statistically if you look at the distribution of these factors you you can tell you can you can do for with a certain of course The direction of the neutrinos because these vectors are not uniformly distributed they are they have a non uniform distribution of the direction. And so using this information we can we can define a regional the sky where The new three could come from so we can. We cannot now down to a point but we can now down to maybe a cone of a few tens of degrees Width and then we look in that cone and see what stars that com and maybe be juicy one of them. Yeah so As you say you if you see a few Neutrinos Statistics bution of those will give us some some probability That it is in in some region of the sky. And then you say the paper You can then that if it is happening please open nola. You learnt other observational. Modalities multi messagero rations Invisible in radio and other other types of observations Do actually pick up more data so this is almost like a early alert system If it is in place right yes i would call it a very early I learned to because it's we're talking about maybe our worse or insert very fortunate cases. We are even talking about maybe day Before the assad goes supernova and. so that's enough time to plan for for it so a something that fascinated me When i heard about this from a from a an experimentalist is that there is a human factor which was not aware of but The factories so if you have come up with thirty minutes to plan for watching supernova this may not be enough because it just takes stein to make phone calls and get a hold of people and and decide what to do. Come to a consensus in that. I saw in addition to technical things. Like okay have to maybe turn your telescope Direction which takes time. But i i was really fascinated by the human factor. Those things that if you had style we'd be you can kind of gathered. Relevant people decide something but if you have thirty minutes or or or minutes maybe not so. Yeah yeah i wondered. If such a earlier system is in place Perhaps could be something programmatic. Crises is picking up And you have some you know. Maybe some ai techniques or something like that that identifies the region and it goes. Programmatic returned the telescopes look. Yes yes exactly so. There could be a protocol in place For that so e if a telescope was suitable for observing a nearby supernova which which is not always the case than than now that we showed that it's possible to know beforehand if a star is going to go supernova then there could be some sort of protocol in place already so that when the alert comes which is we can just activated the protocol and oriented telescope. maybe automatically will in some sort of Organized way yeah as you say if you remove humans from the process it becomes not better there is actually already working this direction It's called this new two point. Oh a network which has to do with Exactly these using neutrinos as alert for the astronomy community and That has to do with exactly a creating alerts and also creating protocols for how to react to an alert rate. I want to end the people that just came out. it concordant scenario for the observation of neutrino from the tidal disruption. Even eight hundred twenty nine hundred ninety s t You say be induced at phenomenology concordance canadia with the logistic jet of for the title disruption event Between ninety s jesmyn proposes a source of the astrophysical neutrino event. Ice cube So the title disruption even this is star getting cooler into a black hole getting Getting sucked in rate is that the is that even up to the match yes This is something that we We had about be in in popular science stalks What what happens if you get too close to black hole and It's kind of scary. So the answer is you would be ripped apart because your feet will be pulled in with a strong force than your head and these. This is what happens to two statehouse. Use the star gas to close than by guests Ripped the park. Which is what the tied is option means and so instead of a star Rotating around a black hole we just have a stellar stellar That dr intially. I created by the black hole and so This is something that The happy neighbor cops serve did so so we have. This does happen this particularly Eighty twenty nine hundred ninety s and Bequeath actually see a new cleaners from that particular even so tightness. Deduction events are fairly well established phenomenon in astronomy. We have many of them served They they are Fairly a common plays events But what's special about this particular one. Eighty two thousand nineteen years. G is that We could let's say It could have Produced on neutrino that was detected a ice cube so eighty twenty nine hundred ninety s. She is the first either direction event. For which is coincident. Neutrinos detected a dice. Cube in queens. This coincidence is likely to be accidental. So on approachability estimate tells us that these coins. This is pretty causal not accident so eighty twenty nine hundred ninety. The g could be the parent of this neutrino. And that's that's that's a i. That's very interesting. Yes i skew. is a is a big ice cube in the in. The south is I'm not sure it's exactly cuba. But it's it's the biggest block of is which has been Eastern With values Small detectors So it's it's an array of swarner detectors but yeah it's basically a big block of ice which has been transformed into a detective and so so the idea that this high energy neutrinos from what they were System montemar even that happened Out there this high energy neutrinos passing through that ice q. believe some telltale signs All of that happening and yuxi picked up Then began back Just like you were talking about the previous creeper begin. Please back to a region so this is one of those cases where you can tell from a single neutrino of course the with with a narrower where you can tell the point in the sky where three neutrino kate from. It's doable with one single neutrino because this high energy neutrinos when they enter the is They produce ca a shower so they kind of illuminate. They you me nate. The is but the do it in a way which is very much Beat so and then and then the direction of the the direction of bigotry knows. We have a pretty good accuracy often. How often could be a pickup something like that. Do we have an estimate of how often that would happen. Meaning ice cube detects something like this. Every year ice cube the tax Of the order of ten high-energy neutrinos froth outside our galaxy. Tadesse the number for the entire crop of neutrinos that ice cube has It went we talk about tidal disruption events in the specific these are fairly rare phenomena and so they estimated that maybe a few times so percent of the entire neutrino flux the thais cubeys of serving could be from tidal disruption events. Not much more than that. So we are talking about less than half of the total flats being to tell this option events okay and so the tug disruption burned as as you mentioned It starts getting clipped applaud and pulled back into a into a a black hole but this ten percent. Do they have to be these braces as they call it. The things that have a jet that is sort of lying towards us. Is that it necessarily condition for these types of high energy neutrinos. It's it's a plausible scenario Let me just say that. There is an important difference between blazers in tidal disruption events. In the fact that the ablaze is something that has a jet. She's always on so the jets kinda kerman feature of of these particular galaxy but the title is adoption. Event is transient events. Saw dotcoms creates the accretion. This accretion of the star of the black hole produces flair is flair can last year or two but then it would just fade away so There could be jet and in fact in our paper we present where there is a jet so they partisans the user chat But if there is a jet in tiger disruption event. That's a transient suggested. That's born when This starts to create the stellar debris. And then it's on for months or years and then and then shuts off and it has two point in our direction as you as you mentioned because otherwise we would. We would see the trains your so this high energy neutrinos sillier how. How many orders of magnitude are we talking about coming to the one set you pick up. Let's say from the sun I'm not sure about the question. Can you maybe rephrase yet. So when you say this high energy neutrinos that is coming from let's say a tidal disruption events or something like that How much comedy orders of magnitude more energy Outdoors come to you. Know the ones that might be created the sun a lot menu of this magnitude so It is a big difference. So the sun produces new three meals. over a wide range of energies Higher energy neutrinos from the sun reach energies of the order of ten am pt and mega awards and for the ice cream. Neutrinos we are talking about one hundred of the older one hundred t. v. or even thousand teams. Which would be p so. Let's say maybe eighty tortoise magnitude finding the mass rife or okay and so this e. v. measure it is actually measuring the mass of the neutrino of newfield. Now these these neutrinos are have such a Such high energy that basically It's impossible to know their mass Because because as i said massey's energy so they talk energy of neutrino Detected is to be so high that that percentage view to its mass east so tiny that this practice mutual so i was wondering if we know the energy couldn't be sort of back computer to save the mass is or it doesn't follow The reasoning is a bit different and The way to sink about this is perhaps they let me see the formula for energy particle Which used the rest energy Applause the kinetic energy and So connecticut is so high that he thought the overwhelms direct energy. So it's it's and of course every time you measure the energy when three no. There is a narrow associated with the measurement so You we can't really we can't really tell what What led the boss of the detroit news but both roughtly this. This appears to be sort of an early warning system for many many things right topped the supernova the in the title disruption events producing heightened plano's So this could be sort of inundated with a monkey message. Observations protocols as you mentioned that gives us a higher success. Wait suspect. I would think certainly nominated be one right That's the power of multi messenger astronomy the integration of different signals coming from Photos tree knows navigation waves Causing me craze and Danger plays very powerful emmanuel cases and maybe supernova case is the most striking Xenos come first. But that's not always the case So in the indicates of tidal disruption events Did you know that was observed. Came about five months later than the initial dhammika looser version of the tidal disruption events so It's if it can go both ways. neutrinos can be early alert or they only alert could be for example a radio salvation or or an x-ray use ovation and then and then the neutrino attacked or could Focus a surge in that direction as see what they find which which has actually been done ice cube sometimes. Does these these archival. Search this on the basis of others from From for example x ray or gamma ray surveys interested. Exciting eighty that said a lot to be owned It seems It seems like these till don't know all the production mechanisms for neutrinos but if we have robust with to pick them up on than we can place them back and and talk asking questions What might be there definitely So yes so. People celia the next five years Wanted the aid is that you believe Be will make a significant crocus in this Innovative neutrinos then two different areas. That a very promising One is Broadly speaking Manmade nutrients so there is. There is a big push especially hitting the united states to build Create very powerful beams of trainings and then these beams are manmade. So we know that very well. We know that energy we know the composition and we can use them to learn about The properties of treatments and then That other men bead neutrino experiments where Scientists look for the between months so that's also very promising In something i really. I really excited about that. That may be a furious novel with noble the neutrino mass us from these very high position laboratory experience. Then there is the whole Topic of neutrinos as part of the mouth of mike messenger astronomy and in that area. I think what was was to look forward. To among other scenes is the interplay gravitational waves shock waves. You still Somehow a science of its own into a large extent but there are so many possible connections. We've neutrinos tidal disruption adoption events should produce reputation ways so baranov shoot us gradation ways So so there is. There is a a lot of potential there which is still unexplored in and that's where i see myself Working on in the next few years you adjust very quickly The do gravitational waves travel bid closest and new ashtrays and so if If they both are produced in In uneven they're expected to arrive on earth close to simultaneously. It depends on the timing of the production if the answer is yes the waves ending a knows are born at the same time which may not be exactly true because the physics that governs tation waves is different from the one that that governs neutrinos. So but the difference in timing would be the difference Accumulated that birth But but the two were were generated genetically the same time. They should arrive the same time. Just thinking this a systematic difference in the production time than guan lorries given early warning for the other. But that doesn't seem to do a case right. There could be cases where significant lag in the production of rotation way with respect to the production of the tree nose and one example is. We haven't touched on this before but let me just nation mergers so if we have if we have a merger for example we have maybe a merger of a neutron stars or black hole neutral star before the merger happens so when the two objects that kind of still approaching each other we should start observe serving ways and this is what this is what has been seen so Delight experiment observes these these nominal But if we have a merger After the merger has occurred and the two objects have become one than a. Dan could be the formation of of over an accretion disk and he secretion Trainers which we can which we can back so the neutrino We come After they initially asian waves and so relation as would be the alert for the neutrino. That does excellent. your this has been great as celia. thanks so much complaining pleasure. Okay thank you bye. This is a scientific sense. Podcast providing unscripted conversations with leading academics and researchers on variety of topics. If you like to sponsor this podcast please reach out to info. At scientific sense dot com.
Full Measure with Sharyl Attkisson
Questions Arise Over CDC Guidance on COVID-19 Vaccines
"A lot of Americans Congressman Thomas Massie already had coronavirus and wanted to know if he should still get a covid-19 seem most everyone has had covid-19 is considered immune but how long immunity last is unknown whether it's after infection or vaccination on award winning scientists himself as he quickly found that vaccine studies showed no benefit to people who've had coronavirus vaccination didn't change their odds of getting reinfected. The controversy began when Massey noticed the CDC was claiming the exact opposite cdc's advisory committee on immunization practices had just issued a high-profile report offered by fifteen scientists. It wrongly claimed Pfizer study proved. The vaccine is highly effective or showed consistent High efficacy for people who'd already had coronavirus. Thar's Covey to it says the exact opposite of what the data says. They're giving people the impression that this vaccine will save your life, even or you know save you from suffering even if you've already had the virus and recovered which has not been demonstrated in either the Pfizer or the moderna trial the mystery deepened when Massey contacted CD-ROM for an explanation as he says he was so alarmed by the misinformation he decided to record the calls on a December 16th. Call cdc's Captain Amanda Cohn C ROM Agree that people who've had coronavirus shouldn't rush to get vaccinated. You know given that there's limited doses right now where we are you suggesting that those people who wait for that suggestion to wait has it always gotten out. Should I get the vaccine if I've already had covered it experts say it's a good idea because they're not sure how protected you are after recovering our full measure investigation examined the database reporting illness after covid-19 scenes. It shows numerous people are getting vaccinated even though they've already have the virus some experts say that's depriving others who need the vaccine most health officials in many kids say they don't have enough vaccine. It's happening across the country promised doses not delivered on the call. In fact Massey for flagging they're mistaken claim that vaccines were proven to work for people who've had coronavirus. I think we'd read that way. She'll go down the other stuff. You know, we just skipped right over it with we know we can't be perfect. I mean they're working on this thing will forever after be known at all but legalized. Okay, and they said thank you for finding the mistake. We're going to fix this and I thought well, okay problem solved. This is how government works but it didn't quite turn out that way two days later the same doctor KO nud probes to fix joined other CDC doctors in repeating the false information this time in an online session for medical professionals. They wrongly claimed studies show people who've had coronavirus home do benefit from the vaccine.
News Radio 920 AM
"massey" Discussed on News Radio 920 AM
"Retirement? Maybe you're working with someone on that. Or you taken it on as a d I y project. Jeff does offer a second opinion service. It is totally complimentary for you. And to take advantage. Just call the team at Massey and Associates in today for 01 272 100. Tell them you're interested. In Jeff's second opinions service. You know, financial experts say, Jeff There are behavioral factors that could end up influencing our financial decisions. I'm not surprised because We are all human. So in very simple terms. Sometimes we act a little weird When it comes to our money, right? We could be irrational. Sometimes we make decisions we might later regret. I want to talk about how our behavior Jeff could have a potential impact on our money over time. But also I want to find out from you. What can we do to stop acting weird with our money? Well, you know, it's it's helpful if you work with the professional because the professionals job is to help keep you engaged with your plan. And if you have a plan, then you know what to expect as you go forward. And if you don't have a plan, you know, one of my dad's sayings was flying by the seat of your pants. Well, if that's what you're doing, it might not be the best way to build a portfolio for your retirement. Now, if you're just plowing money into your 401 K. Well, congratulations, because that is a very important step. But within it, there are certain things that are better than other things offered within the 41 K. So you want to work with somebody so that you're picking what's best for you. Based on your goals and your timeline without taking on excessive risk. One of our primary focus is here at massing Associates say, is to reduce risk. In our client's portfolios, and we have very specific ways that we go about doing that, and we use very high end software that help us determine what the level of risk is that our listener has in their current portfolio. Separately. They do a quick little assessment that takes like three or four minutes, and that gives us a score that they would get on a scale of 1 to 100. We compare their score with the score of their current portfolio and too often, what we see is a huge mismatch, meaning They're in there for one K. They've been putting money in for 10 15, maybe 20 plus years and they never change their allocations, which means when they made the decision Of where to put the money. They were 10 15 20, plus years younger, so taking more risk was more more more likely and more expected at a younger age. But as we get closer to retirement, you should be pulling away from that risk and reducing your risk as you get closer to retirement. So we see a huge separation between what our listeners are telling us. They're comfortable with and where their portfolio is currently sitting So we show them how to revamp that and how to bring that risk into a more comfortable position for them with a long term goal of achieving, you know, more stability of growth and overall, less risk in their portfolio, And we do that by splitting the money into two general categories. We have safety position money, and we have investment money. Well, the investment money is what's in the market and that's at risk and it can go up or down and we don't have to look too far back to see what happens when there's a big dip in the market because it does happen. And it's not uncommon for the market to have a couple of Pullbacks, which, by definition, that's a 5% drop in value and then a correction which is a 10% drop in value. And then you know, there are times where we've seen 20 and 30 plus percent drops in the market, and those are scary. And if you're closer to retirement, and all of a sudden you see a 10, 10 or 20 or 30% drop in your values. And you're that close to retirement with that tells me is you have too much risk in your portfolio. So it's important to kind of pull the reins in on that risk and really develop a plan so that when you go to sleep at night, you're not worried or excessively worried about your investments because you should not be as you get closer to retirement. You should re reducing that risk. And that's one of our primary focus is here at massing associate sank with our team of advisors that we have here. Yeah, I wonder let our behaviors sometimes our emotions get in the way of smart decision making. How often do you see that you've been at this several years now. Several years is a bit of an understatement. But yes, we've been doing this a long time. Um and people all seem to have You know different things that they do. We're in one area. They might be extremely frugal and other areas. They would just kind of blow their money for lack of a better way to put it. You know, everybody has those little idiosyncrasies that we have. But when you have a plan, it helps keep all the weird behavior if you will, to a minimum. And if you have a plan, you can say Well, if I spend money over here with my left hand is that going to impact the money was supposed to be saving with my right hand for my retirement. And if so, what? Then? You might think twice about doing that expenditure, So it's important to have a plan. And that's the whole point. It's about having Ah, plan now, if you don't have a plan. Well, that's what we're here for. Simply text the word visit to 401 207 201 of our or two of our team members will meet with you to review what you have talked about what your goals are get to know you better. Gather your statements will do. A detailed analysis will come back at the next meeting and lay it all out for you to take advantage of that which is all complimentary. Simply text the word visit to four a 1 207 200 We look forward to seeing you soon. Terrific resource. You know, Jeff, when we talk about Some of these behavioral traps that we could fall into. There are many..
News Radio 920 AM
"massey" Discussed on News Radio 920 AM
"With Jeff Massey for Massey on money and we're so pleased you've tuned in as well. Jeff's number 401 272 100 the website, which is really just a great place to start. If you're new to our show. We welcome you. You can get to know Jeff in the team a bit better. By visiting Massey on money dot com and Macias spelled M A S s e y. Now, sometimes on this show, we just like to have a lot of fun and we play a little game of would you rather And Jeff is always a terrific sport. So I'm gonna ask you again, Jeff. You ready to play? I guess I am. Let's give it a world. See how we do this time? Okay. Well, we know retirement sometimes is like a game of Would you rather so We're going to play that here are version, and here's the big question to start things off on our version of the game. Would you rather have unlimited pasta for life or Unlimited tacos for a live, Jeff. Oh, no question. There are that for me. It's pasta. I am an absolute pasta lover on by love extra sauce. I'm like my pasta. Regardless of the type of pasta even like, actually, sauce on my pizza for whatever that's worth. Well, listen, we're here in Rhode Island in the There's no shortage of good places to get pasta, right? Pizza for that matter to you. That's true. That's very true. You know, For a time I lived in Texas and the Tex Mex down there is just great and I'll tell you Sometimes when you get like a perfect taco and the shell the flour tortilla is homemade, and maybe it's deep fried, and it's extra crispy and everything's just right. It melts in your mouth and the taco can be a delight. But I agree with you a big big plate of pasta. How can you go wrong, right? No, that's my absolute favorite. Yeah. Now you're a big fan of going out and grabbing a bite at some of your favorite restaurants. Right? Do you have places you love to go and you get the same thing? My husband does this. He gets the same thing at his favorite spots every time or do you like to try it all? Well, I'm um or I have my favorites at certain restaurants where you know I will go there and for the most part all Lord of the same dish. There are a couple of restaurants. I go to where I do have two or three different dishes that I would that I would Like at that particular establishment, So you know, kind of all over the board there. It's not just one meal at one restaurant. I generally have two or three to pick from It's kind of nice when you have your old standbys, right When you're in the mood. You gotta go. Yep. And then because I know I should I try to have fish at least once a week, because I know it's good for me. And I do like baked scrod. You know the bread crumbs on a little bit of Butter some lemon, and then I usually have two veggies with it, So it's a pretty healthy meal. Here you go Round it out with those veggies. Your mom would be proud, Jeff. She sure what is his problem? She is Let's talk about your own retirement. Would you rather spend your retirement living in your own home? Or would you rather move? Maybe find a retirement community that you really like? Wow. That's an interesting when I haven't given that one thought. I do like my own home. Um, but I can also see where there may be benefits being in more of a quote unquote retirement community, But you can have both. I think you could be in a retirement community that where they're all individual houses, but they might be. Primarily for those folks that are more retired folks. So whether that's here locally or, you know, highly likely, I think might be in Florida because I do like Florida. I like the warm weather. I love the beaches. And although we have beaches here You can obviously use the beach is more for swimming down in Florida. Then we can't appear in Rhode Island, even though we have some absolutely gorgeous beaches here in Rhode Island, as you well know, it is the ocean state after all, as you mentioned, so I would agree, And it's fun to get people's perspective on that. Some people are just so passionate about their home, right? Maybe they it's their castle. Maybe they've Worked years and years to get it exactly how they want their very content that feels good to them and other people. A little bit more adventurous, right? You see that all the time? I'm sure with your clients. True, true, and you know, there's something to be said for for living in a condo. I did that for for a few years on, there's something to be said because I was doing traveling, like every month for conferences, So it was nice. I could just, you know, go away, and I always knew that The grass is going to be taken care of. It was being watered by the condo association, and if it was bad weather, you know they were plowing and all of that, So there's something to be said for that as well. But right now I'm back into my own home, and I kind of like it so You know, I've had had both and the pros and cons both ways. And we're playing a little game. The Massey on money version of Would you Rather Jeff is always up for for this game, which I appreciate. I want to ask you this question. Would you rather rent a house in retirement or A landlord. So in other words, would you rather pay rent to someone else or rent a house out to others for some potential income in retirement? The financial side of me says, you know, rent a house out for for rental income..
News Radio 920 AM
"massey" Discussed on News Radio 920 AM
"And let's say that half goes down 10 and the other half doesn't go down at all. Well, technically, you're only down five on the totality of your investments and your position your assets for your retirement. So when you look at it in that context, we we are reducing the level of risk and yet still keeping Ah, good chunk of money invested in the market. So since we're we've touched on the market today, Meghan, I'd like to offer our special report understanding market corrections and all you need to do to get your copy of this is to text the word market toe for a 1 207 200. Again. Text the word market to four. A 1 207 200 will get that report right out to this week and Jeff, I want to give the website It's Massey on money dot com. Massey, by the way, is spelled M A S s e Y. That's Massey on money dot com. Jeff the fear of missing out. This is another one of those common behavioral traps that we can fall into, and you talked about some of these behaviors, and we don't want to miss out on good things right, especially if other people are experiencing them. We want to make sure we are as well whether that's big gains may be great vacation or a new home. But what could happen if that's our driving force? If we're driven by the fear of missing out? Yeah, that old foam. Oh, right. Fear of missing out. You know, Another thing is maybe keeping up with the Joneses. As the old saying goes, Um you know where which he was. How come my neighbor Buddy golf Buddy Card, buddy. Whatever is making such good returns on his investments, and we're not making as much Well, a part of that has to do with that person's risk tolerance, and they may be able to deal with more ups and downs and not lose sleep at night over it. Where you might have told your advisor that you don't want to take big risks, And you would rather leave some of that gain on the table to avoid some of the big losses in the worst of years. So you know, you have to kind of balance those things out. And even though in here's I'll give you an example. And this is how perception is not always reality. Um, have a couple where their kids I think it was the sun in the daughter in law came in to meet with us Now, the parents said, Oh, they're doing so great. They're successful. The new cars, a big house. And now the kids come into me with us. And guess what? They're in debt up to their eyebrows. They had hardly any money saved for the future. They were just paying for everything on time. They were powering money for the cars. You know, Big house all of that. And they would put vacations on credit cards. That is not a good way to live because on the back end of things, you're not gonna have a very nice retirement and a lot of that thing that you're looking for where people can look at you and say, Oh, my look how great they're doing. Yeah, that that feels is away pretty quickly when the rubber hits the road, as my dad used to say, and all of a sudden Now you might lose a job or you're you're forced into retirement. And now the incomes gone. And now maybe you can afford those nice new cars or the big house or nice vacations. Then what? So that fear of missing out sometimes drives people to make inappropriate decisions with their money, and that's a real concern. So we try to manage expectations with our clients as to what is reasonable to expect from their investments. In the overall plan that we put together for them because we don't ever want to over extend the expectations. We will never tell people that look, we're gonna make 10% on your money That will never come out of our mouths because that's not our goal. Our goal is a reasonable return at a lower level of risk. The point is, and then we can show you mathematically taking more risk does not always mean that you're gonna have more money at the end of a given period and we can show you that mathematically when we get together. S so it's a simple thing like that to just being accepting of new information because we know we're telling people things that other advisors or not, and one of those is it has to do with taxes. Right now. Our taxes are lower, and it may make sense. And please don't go do this without checking with the financial professional, But it might make sense for you, too. If you're not working anymore, maybe take more money out of your IRA account. Had a zones. You stay within the same tax bracket Now. We met with somebody recently and I said, Well, you know, when your advisor told you you could take out you know another $4500 from your taxable IRA. And still not have a tax liability. Why didn't you do that? And the response was well, They never mentioned that to us. That's unfortunate. That's what we do. We go that extra step because we do look a taxation as a certified financial planet. We have training in taxes on Steve is also a certified financial planner. So there's two of us here. S o. You know, we do a lot when it comes to tax planning, and that's what we like to do. And the bigger your balance. If you got two commas in your balance, you definitely need to be doing some tax planning. So give us a call for a 1 207 200. And just leave a voice mail, saying you like to come in and and talk about some tax strategies and we'd be happy to meet with you on.
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"massey" Discussed on News Radio 920 AM
"FM. I'm Karen McCue outrages. Several governors recall National Guard troops sent to Washington for the inauguration after they've been relocated from the capital to a parking garage. The vast majority those missions they're done. They're ramping everything down. Again and the governor. When you see some of those conditions, it was disrespectful. In some cases, it was just deplorable that was happening to our own men and women. New Hampshire's Chris Sununu. Larry King has died for years. He was the late night king of both talk radio and television. But I do is ask questions for living. What a way to make a living with his distinctive voice and trademark suspenders. Larry King ruled the talk show circuit for Over 60. Years night after night. How did you tens of thousands of interview your one in depth chats with newsmakers, entertainers and president boxes? Rick Leventhal, Larry King was 87 America is listening to Fox News? News radio 9 21 old 47 FM. Glad to be here with Jeff Massey today if you'd like to be in touch with Jeff or all things retirement call today. 401 272 100. Speaking of that, if you do have that retirement plan, maybe you started working on it. A D I y project or you're working with someone else. Jeff does offer a second opinion service. It's completely complimentary. Is to make sure you are on the right track. 401 272 100 to take advantage of that we've been talking about how our emotions our behaviors can actually sometimes get in the way. Making smart decisions with our retirement money. And Jeff is we talked to this today, which do you think is harder managing people's money or helping them manage their emotions about their money? You don't believe in like softball questions, do you, Megan? I mean, not today. I ate my Wheaties. I hope you did, too. You know, you talk some things out. I'm like, Oh, all right. Yeah, that's interesting. So here's how we look at it. Managing money from our perspective is pretty methodical. And sort of scientific, you know, because there's certain things that we look at certain elements that we look for and levels of risk, etcetera. So it's very, uh You know, connect the dots type of concept when it comes to managing emotions about money that can be all over the place, and it can be very challenging. Which is why we say, Look, if you're married, we want both of you to be at the meetings. Even if one of you is the quote unquote, the financial spouse. We want both in the meeting because people have different emotions when it comes to their money. And it is so diverse and it can be and it usually is. I might add different between husband and wife. It is almost never where the spouses are truly connected and feel the exact same way emotionally about their money. Usually one is ready, willing or able to take more risks. And one is more conservative and doesn't like that level of risk. You know, on a simple level, so it's important to have both parts of a marriage in our meetings because of that, so when we look at it We never know what those emotions are going to be like until we get together. We start asking questions. You know what it would have been some good things that have happened to them for them relative to their investments. And what does some things that have caused them someone emotional stress relative to their investments, and then we just listen. Because we want them to tell us about those differences so that we can better prepare a plan that they will both be comfortable with. And there are times where Let's just pick One. Let's say the husband is more aggressive. The wife is a little more conservative, which is more common that way. But it can be the other side as well. Where its opposite. So there are times where we say Well, look. Whose money should we put in the safety position? And then the conservative spouse tends to be the one that says, Well, I want my money in the safety side. Well that their money go into the market. Okay, so then we can build a plan as best we can by splitting it in that manner. Often times one is the breadwinner that has Maura money in their name than the other So we might not be able to do it. You know, 50 50 so to speak, but we do it as best we can so that we can provide a place for the conservative spouse to have money if you very comfortable having the money there. Yet have money invested in the market with the spouses money that is more okay with seeing some ups and downs in the value from month to month basis, So just one of the simple things But the emotions about money I think it's a little more challenging than the actual management of the money. You know all things considered. Now, let's talk about this illusion of control. I think this is where we overestimate our ability to actually have any influence at all over what's happening around us, Jeff How have you seen this play out with people who are trying to plan for retirement? We find it interesting that there were times where People come in and visit with US and You know, just trying to dance around the nice way to say this. They think they have all the answers, and they think they can actually control things that are totally outside their control. Like if you put money into an investment, let's just say it's in an in an exchange traded fund in the market. What control do you have? Once you put the money into that investment? Well, the answer is usually really the only control you have is you can decide to sell it. Sell some of it that your control, But what happens internally in that exchange traded fund is out of your control because it's the management team that's running the investments within that exchange traded fund. That have the control of the investments. You're only control. If you will is you can decide when to invest in it and went to divest that particular investment, so there are times where we can't really control what's going on in the market. You know, you just You just can't do that. So it's a matter of having balance and that's why we always talk about balance. We always talk about reducing risk and we show our clients how we can provide what we call the reasonable return, but at a lower level of risk than what many advisors look at it because many advisors on Lee invest in the market And we feel that's like going into a boxing ring with one hand tied behind your back because you're ignoring the safety side of things and you're ignoring bond alternatives that are out there that give.
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"massey" Discussed on News Radio 920 AM
"Thank Jeff Massey. You know, Jeff, you get a lot of questions about retirement, right? You've been doing this a long time. I thought it might be good to dip into our mailbag. And we could ask some of the most common questions that you get in and get some answers from you. Sound good. Yeah, absolutely. That I love. I love doing this, Maggie. You know that. You know what I mean. You know, I miss doing the physical seminars that I used to do every month. I miss that because We just ask all kinds of questions. I absolutely loved doing that. Yeah, And we really appreciate your answers. So we're going to get some answers from you right now. Okay, let's dive in and do it. Our first question says, I've been looking forward to retirement for years. But now that I'm less than two years away from my target retirement date, I'm starting to panic A little. Is this normal? Do other people get cold feet about retirement to and how can I shake this off so I could enjoy myself? I think what What a real boy really boils down to is. What will you be doing with all that extra time on your hands once you get to retirement. And I find that the people that have ready answers to that. Well, I do this hobby that hobby. You know that type of thing have a big circle of friends. They have less anxiety about Walking through that retirement door. Those folks that don't have asses many hobbies to keep them busy, or perhaps don't have a large social circle. They seem to have more reservations about retirement. Now, if it's ah, dollars issue, you know, financial issues. Well, we can help resolve that by doing a detailed analysis to show you. Well, This is what you need for your lifestyle expense. And this is how much money you have. We can generate this much income to cover that. You should be okay. If that's the case, and there were you might find that you have a bit of a shortfall. If that's the case, at least now, you know, And it's not just an unknown feeling you then we can set up a target and say OK, by the looks of it. You need to add this many dollars to your to your bucket of money for retirement. And when you get there, it should be enough to properly support you in retirement. So it's not unusual panic might be a strong word was not unusual to have a certain amount of anxiety and uncertainty towards that retirement. But again, the more fun stuff that you have in your mind that you intend to do once you've quit working. I think that's the difference maker for many of the listeners that we work with. That's really important. Jeff and I love that question right from the listener who says I want to enjoy myself? That's really what it's all about, right? Exactly. You know, I mean, let's face it. We worked decades and decades to get to retirement. To enjoy and do the things that we didn't do why we were working because we wanted to make sure we had enough money to do those things When we retired. So it's important, you know, live life today. Don't overdo it, but live life today, too. Don't put off all your enjoyment until retirement. You wanna have some fun along the way as well and have a balance in your life. I think that's important. Indeed it is. It really is getting that help. So you have confidence can be the key. Here's another question says. We have some friends who are struggling because the husband was in a debilitating car wreck, and they weren't ready to live on just the wife's paycheck. They don't know if he'll recover enough to work again. So now my wife and I are wanting to make sure will be okay. If something happens to one of us. Where should we start? Well, that's you know, it's sad to hear about about your friends, uh, medical situation there with the car wreck. That's that's an awful thing to have to live with. When you look at that my first thought is risk. Mitigation, not just for investments, but risk mitigation that I'm thinking of here is we buy insurance for our car in cases of car accident. We have homeowner's insurance on her house in case catches fire. We've got fire coverage. But many people don't look at some of them. The necessities that we need often times the largest single asset somebody has. Is there earning ability. So having a disability type insurance can go a long way with giving you some peace of mind here, knowing that if you were your wife were to become disabled, that you would have some some casual that would come in to help during that very trying time. Now those plans can be short term They could be long term, so it's important to just get a lot of details would be happy to help you out with that. You can call us at four a 1 207 200. We just leave a voicemail that you want to talk about disability insurance on the other part is, you know, they say, Well, what if something happens to us kind of open ended there. That could also be if one of you were in a car wreck and passed. Well, then you've got lots of issues, you know? Do you have minor Children? You know, Do you have your legal documents established? If you do have minor Children to appoint guardians and things of that nature, So it's important to me with an attorney. If you don't have one. We can refer you to a great attorney that can help you with those legal documents..
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"massey" Discussed on News Radio 920 AM
"A book to receive a complimentary copy of just book Massey on money. Just text the word book to 401 272 100. Jeff will send you a complimentary copy of his book in the Mail. Glad to have you with us here on the show today. Meghan, Mo Zach, joined by Jeff Massey. If you have a plan for retirement, good Onya, that is really, really great. It's something that a lot of people struggle to get accomplished for whatever reason, but If you actually put a plan together, or you're working with someone who helped you. It's always a good idea to get a second opinion. Probably now more than ever. And the good news is Jeff can do that for you. He has a second opinion service. It is complimentary. He'd be happy to take a look at your plan. Just to make sure it's in a good spot. If it is, he'll let you know if it needs some tweaks. We'll let you know that as well. Or 01 272 100 is the number to call to take advantage of that. Or 01 272 100. Our show today focused on income in retirement, Jeff not sure There's a more important topic when we're discussing retirement planning an income. I do have a question, though, for yet. Is it true that the strategies we use with our money in retirement or actually more important than the dollar amount that we saved? It is so true, and, you know, make it. I want to back up a little bit, so I talked about the visits of people coming back and I left out one important element we have. We have multiple conference rooms here, but we have one conference room that has a 10 ft table. So we're going to be more than we're gonna be 10 ft apart when we come in for a meeting, and we're structuring our appointment so that there is only one client couple in the office at a time, so to make sure that that we don't have a whole lot of people like bumping into each other, and we're cleaning the table and everything in between the meetings. We think that's very important for people understand how seriously we're taking this whole social distancing and cleaning our environment thing, because it is It's critical, but we also You know, people are calling and say, Look, we want we want to work with you. But we want to be there face to face. So we're ready. We break so we're we're in a good place. Now with that now to get to your question about is the strategy in retirement. More important than the actual money we have saved. Well, here here see the critical part of that. Once you retire, typically you no longer adding to your retirement accounts you're now drawing from them. I mean, even if you continue to work on a part time basis, you're likely going to be drawing from your assets, and it's far more important to hold on to what you have. You know, Warren Buffett had a saying that I read recently that said It makes no sense to risk what you have going after something you don't need, and he was talking about risk. And the other quote, which I know I've mentioned on prior programs is you never know who's swimming naked until the tide goes out, and what he's referring to, There is risk and you don't know how much risk you have until the market goes down. So a lot of people were surprised at how how deep Their balance went down because of the markets. So it's more important to kind of circle the wagons around your money to hold on to what you have in retirement. Then it is In issue of how much that you have saved. Now, if you have saved so much that if you lost half of it in the stock market decline, you would still be okay, well, good for you. But most people are not in that kind of a scenario, so it's important to look at your money's and split it up early in the program. We talked about safety, liquidity and growth. We want to split it up into different asset categories, so that that we have a combination of safety and liquidity and growth potential, which you cannot get all three in one place. So we have to use acid allocation into different positions so that money does different things for us. Some of it will grow with the market and it's important to have money in the market for future growth. But you have to understand that that that balance can go up or down. It's why it's so important that carve out a chunk into what we refer to as a safety position. So that your money will. That portion will not go down in value of the stock market goes south and they're different options of where you can put that money. And that's what's so important about saying focused on the three elements safety liquidity in growth because that's what drives the plan. As to how we structure the plan for each individual client and how much we put in each of those positions, so it helps us build a well rounded plan. So Megan is you know we have various reports We'd like to offer to our listeners and, you know, so grateful that so many people call in week to week so we We feel that it's good information that we're sharing the next report I'd like to offer. It's on income. It's called income bridges. So if you would like to get a complimentary copy of this report, simply text the word income toe for a 1 207 200 again Text the word income, no other message before a 1 207. 200. We can get that report out to you very quickly this week read through it, And then you can always call us Ask questions if you have any questions after you read that report. And such a great resource. I know that that's one of the areas. People do have questions about Jeffs. It's terrific that you make that available. And when you help people with not only.
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"massey" Discussed on News Radio 920 AM
"With Jeff Massey. We are so happy to have you here on the program today. Meghan, Mo Zach, alongside Jeff Massey and No, we look at the current climate was going on. I know a lot of people listening today might have questions. You might have questions about the market how your portfolio is doing. On the show. Today, you'll hear a lot about Jeff Massey, his process his Massey on money Retirement Road map, how it may help you get some answers and We will probably answer some of your questions here on the show today, but I want so let you know you can always reach out to Jeff 401 272 100 is the number again 401 200 7200 or go to the website Massey on money dot com Macias spelled M A S s E Y. Jeff. If current events have taught us anything, it's that income is critical. And I hear you say this all the time. Now we know there are All sorts of ways to make money or in a living when you're working, But when you're retired boy, the choices are a lot different. So today we want to focus on what our listeners need to know about creating income in retirement and And Jeff, I'll start by asking you this when we step away from the work for us when we retire. What are some of the things you believe? We must have? Yeah, When you look at what's going on Carly and environment and how many people lost their jobs, You know, there's so many people that could be very close to their retirement goal year and all of a sudden they find themselves without without a job so that paycheck is going away. You know, they now maybe getting unemployment benefits and whatnot. But when that runs out, you know what we're gonna do next. So that's a big, big issue for a lot of folks so If that's your scenario, just listening because we've got some great input on today's program. Now, in general, there are three elements that we look for. When we're talking about where to put our money. We're looking for safety, liquidity and growth. So another way to put that we're looking for potentially some guaranteed income. And where might that come from? We would like to have some growth potential with our portfolio. And of course, we all want to have some flexibility. So that we know that we're not like locked into something that we cannot change ever like the rest of our lives. That's not a good place to be. You need to have those those elements in a well rounded plan so that you will feel comfortable. Hopefully, you'll feel confident, not just comfortable confident in your retirement plan. By adding all these different elements into the overall plan that you put together. The challenge, of course, is trying to get safety, liquidity and growth because you can't get it all in one place, so you must use different types of assets and put money into different positions in order to get safety and liquidity and growth. Because that is what will provide your retirement income. That is what will provide growth potential for the future. And of course, if you have liquidity, you've got flexibility. So builds it all in. So those three elements were key when it comes to building a retirement plan in our opinion. Way you outline that, Jeb. It's very clear that those are really foundational elements. I wonder in a modern retirement. Given today's circumstances, What are some of the options we have for creating income streams and retirement? We have We have the basics that I would think that most people would be familiar with, like Social security or a pension. If you're that fortunate, or if you work for for the for a municipality of the state. You may still be earning yourself a pension. That will be wonderful. You know, Once you get to retirement, and then we get into Maura of the things that you can do on your own, like set up guaranteed insurance contracts for lifetime income, and there are vehicles that you used to do that you can use an IRA or 41 K or a Roth IRA. Keep in mind I array for a week A Roth I raise those air, not investments, per se. Think of them as a bucket. And because they hold things and in your IRA or Roth or 41 K. You can put different things into that particular bucket. You could put mutual funds exchange traded funds You could do bank CDs. I mean, there's just so many different Places are assets that you can put into those buckets. So just keep that mind that an irate in and of itself is not an investment. It just say method of holding money. And there are pros and cons Tyrese and Ross and all of that, so these air part of what you can really control And then, of course, your investment portfolio that might be outside of your retirement plan. If you were so inclined you might have invested in real estate. Maybe you have some rental properties so you'll have some rental income in the future. Or maybe you figured that you know what? I really I'm not the personality type to just sit around the house all the time. So, Yeah, I'm gonna retire, but I'm going to pick up a part time job somewhere, so those are all different. Of elements of a ways to get your investment income in summer a little better than others. There are pros and cons for every one of those, so it's important to fully understand what the benefits are and what the potential drawbacks are in any of those types of places where you put your money, so from a personal perspective. I did rental property way, way way back when and it. It just didn't work out for me. So for me, that's not a good place for me to think about having income in retirement that I can rely on. But it has worked for some people so Not every method is good for every person, So it's said. That's an important thing to remember. So what is important when we take people through our proprietary process? The massive money retirement road map we want to better understand who you are is people what your goals are what your temperament is, and then from there, we develop a plan that is a good fit. For you. And that's why, when we save our plans are very specific and built on a customized basis for each listener endorse files that comes in to work with us. That's because they are because everybody is a little bit different. That's what's so important when you're looking at your retirement plan. When you're looking at giving up that paycheck. Our job is to come up with a paycheck replacement strategies for you so that you know this money is going to be coming in, and it's going to come in on a regular basis and that a portion of that income will actually be on a guaranteed basis. Through an insurance contract backed up by the claim's paying ability of the insurance carrier. So you.
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"massey" Discussed on News Radio 920 AM
"With me and Jeff Massey today early retirement. It's been our topic on the show today. It might not be your plan, but Let's say this. Let's say you lose your job, or maybe you're no longer able to work. It does happen. In fact, the center for Retirement Research says 37% of retirees say they had to stop working sooner than they'd planned. Jeff it's a predicament. So what do we do if we lose our job, and we're not sure we can afford to retire? That is always a tough one. Because you know it can be challenging enough when you put the date out there and you work towards that retirement date, and you're just naturally getting there. And you hit that particular date. You're ready to retire. For some people that can be stressful enough. Now compound that with Well, I'd like to retire when I'm 65 or six or seven. Whatever your age is. Then all of a sudden, it could be a couple years before that. It could be 5 10 years before then, all of a sudden you're kind of released back into the workforce by your employer. And then you go. Oh, my God. What happened? You know what can I do? And it can make a major adjustment that you have to deal with, because you need to find a job. Regroup. Get back to work. And for that time that you're out of work, you know you're not saving towards your retirement, so you may end up falling a little bit short. That can happen. So what's important about that is well first meet with the financial advisor. They can look at your situation in first determine. Do you have enough already set aside where you can retire. Or, if not retire, fully, maybe provide cash flow in the interim, until you get back to work, and then he can shut off that cash flow. Once you get back to work, and then hopefully rebuild that account back up because you ended up drawing from it prematurely because you lost your job. Now it's important. Understand that The reason financial planners in general, tell people you need an emergency bucket and you should have if you're working, most say, minimum of six months of of your net cash flow in the bank and in the safety position that you can access readily. If you were to lose your job, there's a reason for that. And that's so you don't invade. Your investments for the long term. You just have that that safety fouled. If you will, They could say I lost my job. All right, well, thankfully, I've saved you know, six months of my salary or years worth of salary, and I've got that set aside just for this reason. So think of how that would feel knowing that you've got that cushion built up versus how would you feel if you had no savings in the bank or very little, and you lose your job? Then what? That's the motivation for getting that that account built up and start to push that money into your liquid bucket. If you will, so that whenever you might need it, you have access to that money. It's therefore you don't have to worry about what should I sell? What should I don't know. It's in the bank. You can tap into it very easily. So that's important when it comes to losing your job and what it is that you're doing now, if you don't have enough money to retire, and you're pretty certain you don't and you lose your job. That's a real challenge. You know, It is very difficult to try to catch up on but I've met with some people that you know. You look at it from the outside and man you say, Wow, what a great business they have. No, no. The chat with me and say, Look, you know, I gotta tell you, I'm a late bloomer. That was the term that was used to me recently. I'm a late bloomer. I need to catch up and this is somebody that's in their late fifties. So you know what you see on the outside might not be what's going on on the inside. You know that old analogy when you look at a duck on the water? What does it look like? All nice, calm, peaceful, just floating along. What's going on under the water and those feeder like paddling like crazy, You know, so it's like you never know. You know you don't make assumptions. You just everybody's different. We wait for people to command. We see what they have. We determine mathematically if they can retire now or not, And if not, we say, look, Well, here's the plan of how to build it up so you can get to the point where you can retire. Now that's saving is one thing. The other part, of course, is determining what you have her expenses and what expensive might be discretionary where you don't need to spend that money each month. If you were to lose your job, or if some other thing happens, you were you perhaps become disabled. You know, it's another issue that some clients have faced, and we've helped them through that as well. So we've talked a lot about retirement, preparing for what happens. If you know this happens that happens. We've covered a lot of that in the book that I wrote, and I'd love to get a copy of our booked out to you. It's a complimentary copy. I'll endorse it out to simply text the word book to four. A 1 207 200 you can at your own leisure read about retirement planning. The feedback we get is very humbling, But people tell us that it's easy to understand. Where I really appreciate hearing that is from the nonfinancial spouse that says to me, you know, I don't like paying attention to the money, but I read your entire book and thank you for that, because I could understand it. So that's the goal. We want to get as many books out people to help people with their retirement planning, and that's so important. So simply text the word book before 1 207 200. We'll get that out to you right away. Jeff of we're talking retirement. We have to talk taxes sometimes gets overlooked. It could make a pretty big impact, Can it Absolutely. And you know, if you work in a room and say, Hey, he wants to talk about income taxes. How many people are going to raise their hand? You know, not too many, and we talk about this topic at every financial seminar that we do We explain to people The temporary lower taxes that we're.
News Radio 920 AM
"massey" Discussed on News Radio 920 AM
"On money. If you're thinking about retirement, maybe you're even dreaming about retirement. You're in the right place right now. That's what we're talking about. In fact, we're talking about early retirement and the retirement you're dreaming about. It probably is not the one your grand parents enjoyed. Not that rocking chair retirement that you may have witnessed, right? You alluded to that earlier depth. Longer life spans. We talk about being more active. There's a lot to think about. And with all of those moving parts, Jeff, I wonder for people who maybe have started planning for retirement. Is it worth it to get that second opinion? Well, we often have our listeners command and within a couple of minutes separately, they'll say not everybody. But many. Many of our listeners will start out by saying, Look, I have a financial advisor. I've been with him for 10 years. 20 years. Whatever it is And we're here for a second opinion. That is perfectly OK, because we do believe that we have a different opinion on retirement planning and retirement assets and what type of assets you should carry with you once you cross into that retirement realm. And that's that's okay with us. If you have a financial adviser already and also consider you know, as we were growing up, we go to a pediatrician, and then we switch to a more general practitioner doctor, But as we get older, we moved to doctors that tend to be more geriatric focus, because as we go through the different cycles of ages There are different doctors that are better suited to handle our medical issues. Well, the same thing with your financial planning so many of our listeners will make him in have worked through the financial advisor, but they're more accumulation focused. So they're just trying to grow the basket of money where we are. On the other end of things. There are three phases to the money cycle. We have accumulation. Preservation and then distribution and those of the three phases of money. Well, there are advisors that are primarily focused on the first face building up the value of the account. And then they want to skip from that and go right to distribution. Well, if you don't preserve assets in between those two time periods Well, then your money is more rescind. It probably should be in your retirement years. And then that's where retirement planning specialists come in. Hence what we do here at Massing Associates Take our team of advisors here will sit with you. First. We get to know each other a little bit better see what your goals are, And then if it appears that we may be able to help, you will gather your statements that you have in your current portfolio and then doing in depth analysis of where your money is currently. And we provide that to you in a report at the second meeting at that point, we'll both know if we should be working together or not, because it lead to be clear that you're either doing everything great. You're in great shape or well, we will point out areas where we feel we can bring our expertise to the table and end up putting together a plan that is tailor made for you and your spouse if you're married. So if you have a financial advisor, Well, congratulations, because you you should, and surveys tell us that working with the financial advisor on average now as 12 or 3% off growth to the person's portfolio over time. And that's generally because you've got a professional running the money instead of you trying to do it on your own. It's not that you can't do it. But let's face it as retirement planning specialists. We have access to things that the average person does not. Unless you are licensed in the business. It's just that simple. So it's just a matter of maybe handing off the baton from the accumulation financial adviser to the next phase, the retirement planning advisor and that's where massing associates and comes in. We have a great team here that we get together. We tried to meet with two advisers with everybody that comes in. So we have a team approach to everything that we do here and then we have A Nagra get like an investment meeting. If you will, where all of the advisers sit down. Review the folders. That's all right Where we going with this particular case? What's the best things that we can do for this particular case? And then we build the plan which is customized for the people we're working with. So if you'd like to take advantage of that, simply give us a call at four a 1 207 200. And just leave a message that you'd like to come in for a complimentary review, And Denise will reach out to book an appointment that works for us both, and we'll start that process for you and we look forward to meeting you. We're glad you're with us here on the show today. Jeffs website is Massey on money dot com. That's m a S s e y Massey on money dot com. Jeff, How do we know if we've done a good job saving if we've saved enough when none of us know how long we're gonna live in retirement? Well, that is absolutely true. And I know this is probably heard this before. But when we do financial seminars each month, I always review the obituaries in that week just to get a sense of people passing on and how many are 90 or above And last time I looked at that in one week. There was a 101 year old person in a 102 year old person that was there in the ton that would just between 90 and 100. We are absolutely living longer as a society. Now you still have to look at that and look at your own family Dynamics. I've met with some folks recently where they said, Look, You know, all of our families pass away in the latter sixties, and it's just how the genes have been dealt out, I guess. S O. Some of those people are a little skeptical about planning for a long life. And I'm always puzzled by that. Because even though you know your parents by the diet of the young age doesn't mean you will. You might be the one that outlast everybody and lives to 100. So when we look at that We want to first determine what is the lifestyle expenses I mentioned before. That's our foundation of the plan. How much money do we have to apply towards that? And then how much money do we need to build? To be assured of so that the client knows that that money will be payable to them for the rest of their life on a guaranteed basis, And those guarantees, by the way are backed up by the claim's paying ability of the insurance company that you work with. So we always work with companies that have good ratings and Ben around. In some cases. Some have been around since the late 18 hundreds. So they've been through pretty much every financial disaster and catastrophe that we've lived through, and they're still here, and that's a very good Thing to look at is the history of an insurance company. How long have they been around? Have they been through Good times. Bad times, etcetera. Were they in place before the great Depression and then determine from that pool of top level companies Which product fits the client best And there are many, many when I say many we have hundreds of products available. Now. Thankfully, we work with the largest organization in the country, and we all have to go through an organization to get products like this, and they have built a case design team. That we call into and say, Okay, here are the ages of the folks were working with this is how far we can defer the money before we need to start taking income. Which of those annuity products will work the best meaning either we would give them a target amount. Let's say we need to create 10,000 year. And in three years we need to create 10,000 year in income guaranteed for the lives of both husband wife. So which company requires the smallest deposit to generate that 10,000. That's one way we look at it and the other is somebody says, Look, I have this many dollars and I want to use. I'll just throw out a number, say $300,000. And I want that, too, produces much income as it can for the rest of our lives. So we look at that and same thing we say to our cases I team we have 300 to start with. They want to defer it for three years..
News Radio 920 AM
"massey" Discussed on News Radio 920 AM
"Dot com. Always a pleasure to be alongside Jeff Massey, the founder and president of Massey and Associates, Inc. I'm Meghan, Mo. Zach. Very pleased that you're joining us here on the show today we're talking About early retirement. Now listen, the Social Security Administration, it says you can retire as early as age 62 or as late his age 70. But what age is right for you? How can you take control of that decision? That's a good question, Jeff. How do you figure out when you can retire? It's a function of math, and I know a lot of people aren't happy with trying to do math and determine their retirement. But we need to see what it is that you've built up in the way of retirement. Income producing type assets or just whatever you have accumulated for your retirement. And then we look at what is your lifestyle expense than that? Technically, is the foundation of the plan. We need to know what you spend money on now, a lot of people, so I don't want to do a budget. I agree. You know, I'm not a big fan of budgets personally. We have a simple tool that we show you and in about 15 minutes. If you can add up about a dozen numbers off your checking account statement, you'll know what you spent in an entire year on your lifestyle. And then from that we say, all right, this is what we need to produce in the way of income. And what do we know That's going against that already? If you have a pension, we subtract that if you have social Security, subtract that if your spouse has a pension or social Security, subtract that whatever's left is the gap. And that gap might be. Let's say you might need 1000 months that comes from your collective retirement plan Assets. Well, then we build a plane and say, Okay, what's the best way or easiest way to make sure that we crank out $1000 a month so that you can meet your lifestyle expense, you know, in the near term Then we also factor in an inflation factor for down the road because we all know things don't get cheaper. Usually when we retire, they get to be more expensive. Now you're spending may change. Obviously, if you're commuting expect, especially if you have a long commute. You're probably spending a lot more gasoline than you will in retirement. Potentially the other flip side of that is you might take more weekend drives, and maybe you'll use the same amount of more gasoline. We don't know. So all we can do is say, Look, here's your lifestyle. Now let's target that income and then make sure that we can tweet that income cash flow. Based on your needs as you move forward into retirement because things can change and most often they do, and we just tweak a little hero there. There were many times that we find that our clients end up spending less in retirement. And then on occasion, people will spend more typically those of the folks that have been putting off their travel desires until they retired. Well, they spend a lot more money. But that doesn't mean you need to increase your monthly cash flow to travel more often. You just need access to money when you're ready to travel, so we just look at things. Put into perspective and when we lay it out, you know, people say, OK, that makes sense reminds you of a story of a couple I met with years ago, and they had They had a good sized budget, and I think it was $4000 a year he and the boys went on a golf outing. And then together as a couple she had targeted about $12,000 for traveling each year, and she had it worked into her monthly cash flow. So when I looked at it so well, let's let's drop out the travel money from the monthly budget and she about jumped out of her chair. She's Oh, no, no, we're gonna have that in our budget. I said, Well, let me let me explain why I'm saying Take it out of the monthly budget. Let's say March comes along and you want that 12,000 and $1000 a month march comes along. You want to take your trip? You've only got 3000 of your travel money that's been paid out in income. What about the other 9000? She went. Oh, all right. Well, that makes sense. I said you don't need it in monthly cash flow. You just need to have it in an account that's accessible to you. Whenever you want to take that trip and spend that $12,000 in traveling So it's just a matter of looking at things a little differently. In some cases where, um some of our listeners will come in and have it kind of thought out one way and then we might bring a different perspective. And then together, we just come together and put put a plan together for that particular client for their needs are so that we can wrap everything in there from pension money. From Social Security, You know, should they take it? It's 62, you know. Should you wait until full retirement age. Should you deferred until age 70. Now I have read articles that start out. This is well, everybody should wait until they're 70. I fundamentally disagree with that type of an article because when you make a broad statement like that In many cases, it would be inappropriate. Now we can talk about more details later, but we kind of come to what we refer to as each couple's sweet spot as to when they should take their social Security, and it takes a lot of math on our port toe. Lay it out and show the clients why we would suggest in some cases we tell people looks take yours at age 62. And the other spouse, you might say, Look for you wait until your forward time and age And there's lots of different reasons why those would be different answers for different ages, And that's why we offer complementary consultations so that our listeners can come in and take advantage of the massive on money Retirement road map that we've trademarked because it's a process that we we believe is very Specific to retirement planning. If you'd like to take advantage of that, simply give us a call at four. A 1 207 200 We happen to meet with you. It is a complementary process. It's a two meeting process. And at the end of that second meeting were pretty assured that you will know more about your investment portfolio than you ever did. And again. It's complimentary if you'd like to take advantage of that simply calls for a 1 207 200 Denise to reach out. And pick a time. That's convenient for you and one of our financial advisors here at Masking Associates Inc and we can stop this process for you here. Is that number again?.