35 Burst results for "Massey"
"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..
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
The Left Can't Stay Away From Donald Trump
"I saw a really interesting article that i wanted to share because it really kind of hits it all of the major issues in america. Today particularly in politics i sorted appeared in the hill was written by monica. Crowley president trump lift off a seven months ago but the pathologically obsessed left. Just can't quit him. Every left wing meteorology. Let's ceaselessly talks about and curses him like it's august two thousand eighteen get their six year. Long wild-eyed anti-trump mania has in many ways only made him stronger witness the most recent filings by his save america pack and the federal election commission showing trump raised an eye popping eighty two million dollars in the first half of two thousand and twenty one and has over a hundred million dollars cash on hand with which to influence the two thousand and twenty two midterm elections. No other former president has ever inspired and controlled that kind of political fundraising juggernaut. Additionally trump has been holding key meetings a batty's future described by his former chief of staff mark meadows as making plans to move forward in a real way with president trump as the head of the ticket rod on q. Of course lift as commentators came out in force climbing the baden administration investigators and prosecutors a boxing trump in and that. He's influences on the wine but as he's massey fundraising dominant poll numbers and huge crowds at rallies indicate this is wildly off the mark and another transparent attempt to wish trump away. You'd think by now they would have learned. That is a fool's errand but they haven't and one of the favorite wise to try to diminishing dismiss him is to ignore his achievements which they will never concede make him. One of america's most successful presidents
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
A Prayer Against the Temptation of Materialism
"A prior against the temptation of materialism. By emily rose massey read by liam martin. No temptation has overtaken you except something common to mankind and god is faithful so he will not allow you to be tempted beyond what your able but with the temptation will provide the way of escape. Also so that you'll be able to endure it first. Corinthians ten thirteen the other day. I saw post on instagram. That said i saw it. I liked it. I bought it now. Hide it although. This graphic was created to make people chuckle. It truly made me sad how much these words speak to how consumed with consumerism. We are in our current society. You can't use your phone without being sucked into the black hole of materialism sponsored posts advertising nonstop on her social media accounts and bloggers who are fulltime marketing tools for companies. Keep filling up your feed. Seems like you can't really escape it anymore. Do you feel the poll to buy more of what's before your eyes just because someone else has it or to just click add to cart and check out if you don't need it. Why are you buying it. Do you covet. What another
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
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.
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
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.
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,
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
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.
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.
"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..
HOW TO DEVELOP THE #1 SKILL TO BECOME GREAT AT SALES
"What do we do with sales people. Aren't we like professional communicators and communication a performance and we have good days bad days. Good calls bad calls and we tend to fall into traps. Talk too much. Listen to little here things. We want to hear say things. We want to say that we're gonna talk about today. We've got an expert on this. Someone who's focused on helping sales reps and he now works in enablement and i think that is an overlooked part of the company sometimes just administration. I understand that but other times it's coaching training. Developing us helping us become better. I think you going to enjoy this conversation. And let's get right into it. Hey aaron welcome to the show way getting started gives a little background on yourself fussy. Thanks for having me on massey finals. Brian videos for very very long time. You will keep your leafy suburbs somewhere to look into fine My name's erin evans. I work for an organization called global. Data will the. Uk's fastest growing business intelligence company. My history is very much in sales. Enablement be look after the south function in For global data which is about four hundred and fifty people globally. I spent the nas thirteen years. Doing it always wants to sell in sales apron before it was cool with south ableman bs. That's that's a bit about me. Yeah it kind of had where everyone kind of unified around that term. What what was it called before then at least in your experience like missed a plate spinner basically is like a bit of every here to give it to him. He'll get it done exactly. He was like you will the cats Yeah my background. At a spice. My expertise is south. Trading south coaching probably more towards south coaching than anything else big believer in coaching. But yeah many everything from you know. Being the conduit between products marketing silos all the development or the coaching. All the training. That takes place. But when you're looking at off the four hundred fifty people between to do enough different hats and often absorb different responsibilities as well. And what interested you in that. Role versus staying in product development marketing or going directly as a route. Well it was in silence. I was in south not for too long but it was. It was really interesting station. I worked for was a huge multinational corporate. I started selling. And then i started helping people while i was selling very quickly realized that i was probably about helping people. Don i wasn't selling right. I was particularly bad at selling. I'm so very quickly. They transitioned into a raw which was a management role but then they realize that actually we can sort of scope this rolling out and get you dig more support trading coaching the rest of the organization. This value dana. So a love silos obsessively not cells. I left communication in general You know what can up so happy to wear the sows hot sometimes. But not not just the prospect of your head spring of the pillow every morning and your jaw assault job is to make some better than they were yesterday. And what what more do you want to do in life right. It's like it's such a such bonds in silence as well. It becomes even more interesting sign. And what do you think that came from was something through school or sports or growing up. Or i think of. I've always been obsessed communication since i can remember. Actually since i was a very very small chart have always been really interested in communication. How people talk the psychology of talking. I realized quite quickly that he he simplify certain things. If he can say things in a certain way you can get people to buy it and you can get people to do things differently and that fascinated me and a genuine and driven by helping people making people better as well seeking if you like the people because automating doug like you have to plaster smaller. You're facing your but particularly if you like people that that it becomes great and it gets for me like where wherever we've got a kick is working with young people because we're teaching them siles right. You don't really what you're teaching them. As communication you see every aspect of their life get better for being able to communicate better For me it's such a body such a kick out of it when you see people doing better in life. it's not just better in sales. And i'm not trying to kind of desperately scrape the nobility of what i do. I genuinely feel like you make people better human beings by making the better communicating. And what are they typically bad at as far as communication is it what they say is that they don't stop saying it or is it they they not using and understanding the other person's perspective so really really good question. She is a question are really enjoy answering. Because i think there's a multitude of different things in its light as well particularly as people progressing sales. When first starting cells you've got this obstruction of thousands. Which would you pick up the phone. Just talk people nights. It's really really far from that. Listening is the biggest one. I think the probably about fifty percent of most sales problems or sales organizations problems is both internally and externally in inability to listen correct. I think on top of that. It's taking quite complex ideas and stripping awhile the nonsense making it really easy for people to see value Get into the speed about value. Really quickly people see. Value quickly is really important but also another big thing is questioning. I think i think people really sold to people buy something from themselves if you can facilitate that process re fantastic questioning. Which in large part is listening. Then you've got the kind of burdens of a real quality. Salesperson person who saw real quality communicates notice people stay in sales. They progress as they become managers coaches. Ceo's directors unite and dot communication pc son critical. And when you meet a rap how do you go about determining where they are in their development. The first thing. I check for his credibility. If someone isn't coach -able you basically get spend the next hour banging your head against a brick wall so i'd like to ask a lot of meta cognition questions to get them thinking about thinking on getting them to explain how they think about things and very quickly you can get insight into how comfortable they are so to give some practical examples to your listeners. One of the best ways of doing this sparring listening in the interview stage as sporting country. But it's to be stage because somebody's comfortable you leftover lemon for the next six months. You know however long. Isn't he get rid of him right
"massey" Discussed on News Radio 920 AM
"Massey on money? Meghan Mo Zack here with the founder and president of Massey and Associates, Inc. Jeff Massey, We're Glad you're spending some time with us today on the show. I think we can all agree Cove in covert 19. This pandemic, It sure has affected us and all sorts of ways, especially with how we think about money. And Jeff and I. We've got our eye on consumer trends that could start to emerge here in this brand New Year. 2021 as we continue to shift our behavior in response to this pandemic, and maybe you're struggling to make a financial decision right now, maybe your worry What about your retirement? You're worried about the market. If that's you, I want you to take down this number right now. This is how you can reach Jeff Massey. The team at Massey and Associates Inc 401 272 100 again bore 01 272 100 Jeff. Happy New Year. Happy New Year. Meghan it, Zubin. Long time coming, so to speak, even though it seemed like 2020 flew by in some regards. I'm glad that that one's in the review mirror. Let's put it that way. I think most people from feel the same way. Kind of nice to say hindsight is 2020 and really mean it about that last year, right? Yeah, absolutely. You know who would have who would have thought and in January, you know when we were making plans for for business and personal plans and travel plans, and all of that. You know, nobody had an expectation that we would be shut down like we were and you nose is very devastating for lots of segments of society with certain types of jobs. Certainly more service jobs. And, of course, as you know, Rhode Island has tons and tons and tons of restaurants, which, of course, were all shut down or just doing take out only, you know, so it was very difficult for so many people. Um, So I'm glad that the other stimulus package was approved, even though not quite as much as what some of the politicians wanted. But something I think is better than nothing. And you can never tell with the new administration coming in what they might do to further stimulus assed. We move forward in 2021. I wouldn't. I wouldn't think That future stimulus packages are off the table. So I would think that Biden in the same would likely do something else for stimulus as we move further into 2021. And I just just a personal opinion. It's just on assumptions not based on any kind of facts that wanna be clear about that. It's just I wouldn't be surprised if there are more stimulus. Uh, packages talked about as we roll forward in 2021. You know, there's so much to that we could really unpack here. I think about how we're all feeling financially. What could happen, stimulus what the markets will do and how they'll respond. It's interesting to note what Ernst in young has been doing. They've been studying our behavior, Jeff consumer behavior specifically, and in the thick of the pandemic, they found some common behaviors. We probably knows some people who identify with these types of behaviors and I want to outline them here quickly. The first is cut deep people who made deep cuts to their spending their way of life. Second is stay calm and carry on. Heard, save and stockpile. You know all that pure l hand sanitizer and paper towels and then lastly, hibernate and spend. So those air the common behaviors, consumer behaviors, and I think it's true. So many people did change, Jeff, can you think of one person who didn't change a single thing about about their spending habits or Or their financial decisions the past few months back in 2020. No, I mean anybody that I know every single person, you know. Had to change something. You know, it was just that pervasive throughout throughout society. So when you look at all the other areas that have been impacted by this pandemic, there aren't any areas that haven't been impacted one way or another, and some have been more positive. The negative. You know, certain types of businesses have done exceptionally well during the pandemic. Others have done poorly. Many have gone out of business in our state, and we know that especially on the restaurant level. I was impressed to see a couple of new restaurants opening up in 2020. And I was like, Wow. Now that takes leadership for somebody to step up and open their restaurant during a pandemic, So I wish them a lot of luck, because that's that's an awesome thing to see. There are always changes. But when you have a plan, you can kind of weather the storm a little more confidently. And you know, I've written about this in my book, and I'd like to work for the book kind of complimentary basis to our listeners At the beginning of this new year, Simply text the word book to four a 1 207 200. And this tons of information in there, and even if you choose to do it, do it yourselfer. You will learn a ton by reading my book. I've got three decades worth of experience that I poured into that book, and it has tons of detail in a very easy, simple format to understand. S o to get your complimentary copy. Just simply text the word book before a 1 207 200 again Text the word book 241 207 200. We'll get that book out to you this week. And we are so glad you're spending some of your time with us here on the program. This is Massey on money, Meghan Mosaic alongside the founder and president of Massey and Associates. And and I'll tell you that book. It is a fabulous resource. If you're thinking about retirement, maybe you're just beginning to ponder here. Retirement dreams..
Sydney isolated from rest of Australia as COVID outbreak grows
"Saw christmas wig. Norman and over the weekend we have seen. The sydney outbreak will the northern beaches outbreak really grow and restrictions of coming to place when we said good bata audience on friday nominee. Pretty optimistic that we were going to be out of now these thing before. Christmas is still feeling that way. I'm nervous i think. I don't think they're doing enough. The risk is that it overwhelms the contact tracing. It's just you. Don't you never know where it is. And yeah probably called it wrongly pepsi two racks about it but it is There are a lot of cases. They and they're not just in the northern beaches area when you look through the list of locally acquired cases there you there in sydney there in the north northern suburbs there in the eastern suburbs. not many. but there's just a few and you don't need many. This started with just one case from overseas. Probably aircrew of the prices. Speculating on somebody being in You'll getting exemption but either way it's from overseas and the system is broken down. Basically new south wales luck has run out so new south wales approach up until now has just been really intense contact tracing and that actually been pretty successful with keeping a handle on the cases. They're considering the work houses a few months ago. So the restrictions that they operating in the northern beaches a pretty tough. But there's still more that they could be doing. Isn't it well. I just think it's called smacking. But haven't mandated masks sydney white. I mean that's the first thing you do. You just tell everybody living in greater sydney soon as you walk how she wear a mask. I know you can't transmit it very well but taking a mask on an office you go inside just what soon as you go out you put on your mask and that means review go. You've got your mask on. It's cheap effective by seventy percent. You don't know where the viruses just mandate. I do not know why the new south wales government is so done on mask. Wearing how much of a problem is it that we still don't really know exactly how this outbreak kicked off. Oh it's huge that you know how well i think we know how tall it kicked off. Somehow from somebody from overseas the was negative until the tenth of december the genomic strongly suggests from overseas perhaps the united states and so it spread from somebody who's coming from overseas. The question was aircrew. Was somebody returning to from overseas somebody who was given exemption to go home and didn't stay at home. Who knows what the story might be. But it's definitely from overseas trouble is we don't know when and we're not really sure where we know where the super spreading events where the super spreading events in a bowling club and the avalon oursel- and there are other hotspots around hotspots places where people have been but essentially a very big dense people having a lot of fun good on them into there was a problem at that point but that was a super spreading event and from there. It spread outwards. And it's not just to satisfy curiosity that we want to know where these outbreak kicked off from. We need to know where the chink is armagh so that we can make sure that this doesn't happen again. Well no it's more than that. It's it's that's part of it but that's kind of done the track a little bit when you're dealing with an a pandemic that breaks out in clusters you've got to find all the clusters and you've got to find out where the cluster started so whilst you got to say well okay teagan you are at the avalon bowling club on on a certain date which was high risk and everybody that you've been in contact with. We want to know we actually want go before you know what happened. What were you doing two three four five days before then before you tested positive where where you and actually start the contact tracing back in time in history and what they're doing now is they're trying to do that new south wales back to the twenty third of november to give a bit of a margin beyond what they think might be. The first cases roundabout the first of december. So you to go back in time as well as get the immediate context and by there's going to be secondary context is going to be people who got first time around To second time around and it's out in the city and in other suburbs as well as outside the northern beaches and as we find out from victoria. it's very hard to ring-fence a suburb. But as we said i think in the last grown cast the northern beaches are fairly straightforward to ring fences the much more well defined than some of the really big in warfare suburbs in melbourne's northwest corridor. Really impossible but even so. It's still very very hard. It's a big densely populated area and ring-fencing is is only going to have a limited effect. You've really got to ring-fence greater sydney for a few days to see what's happening and maybe for a couple of weeks. It's christmas yes. It's tough but businesses already winding for christmas. The economic impact should not be huge. If you lock down sydney and just get this thing under control and not mess around. What we've seen from overseas is quite clear. And it's quite clear from victoria as well if you mess around and do a little of this a little bit of that. It doesn't work. it's simply does not work. You've actually got a fully lockdown victoria did. And if you do it you don't have to for too long every day. You wait can be a week at the other end and the other thing that we should be doing. Is speeding up vaccine approval. I know that we've said we can wait but now the face. We studies in the morning when victoria was in lockdown. But now the face re studies are in and it was fine to wait while we didn't have a problem we weren't there was no reason to just you know russian along because we could learn from overseas. But now that you've got this outbreak and it's big and is going to spread potentially through australia's biggest city and crippled potentially cripple the economy. There's a very good argument for getting going with immunization. So the tj good administration simply has to give a approval. I know go on about how they don't have an emergency approval process but that can be organized and they can they can be. There are ways for them to give urgent approval for this vaccine. It's not bureaucratically impossible and actually get the whatever they've got here in stock in terms of the five vaccine get into sydney's northern beaches and ring-fence immunization give it to healthcare workers their age care. Give it to the elderly and then you can give it to an efficient way to use it before it spreads. I realized we don't know that it's prevents. Transmission always really knows it prints disease but like everything else you just taking a chance that that it will prevent transmission and hope that it does and give it in that light. There's a lot that we do with this pandemic. we're not absolutely sure what what is the end of the individual things that work but you just gotta hit it. And now we've got a vaccine. We should hit in places like the uk and the us imperative to vaccinate is pretty obvious because the scale of the outbreak there is so massive in global terms. What's happening in sydney is pretty mine like does it still justify fostering vaccination he is because it could become big quickly quickly and be very difficult contain and create a of time now. This is a different public health. Aim this is much more like what. They did with smallpox with smallpox in poor countries massey. Muniz ation didn't work. It was very hard to implement it the way they eliminated. Smallpox was exactly this. This sort of ring-fenced vaccination you find a case and you immunize people around that person so that you you get this sort of halo. Immunized immunized effect and with the pfizer vaccine. You get fifty percent effectiveness at least with the disease with just the first does and within a few days and then one thousand four two or three three weeks so you. The effect is pretty quick. Would be an of faith that it prevents transmission. But it's worth ago. Why would we sit on this. Just go so at the moment the restrictions that are in place in new south wales in sydney are in place until wednesday night so basically the day before christmas eve is that going to be long enough or are we to say these extended while the restrictions are only on the northern beaches not greater metropolitan sydney. So that's not control the pandemic. I mean my. That's my prediction. It will not control the pandemic unfortunately spreading covid nineteen spreading. So that's the problem. I hope it will. Let's hope that contact tracers and not being overwhelmed and that the traces that are the cases that are popping up in south west sydney in eastern suburbs of city in the northern suburbs like hornsby they can pin them down the they're saying that they're traceable to the northern beaches outbreak but who they spread them to are the contact. Are they able to trace to them. So let's hope that they do the do contain it. But that's the so then. You've got the the lockdown simply there. You've got no mandated masks. They're just pleading with people to wear masks but just mandate masks sydney white right now. Just do it why. It's so frustrating that they're not doing that. Evidence based approach so christmas becomes unfortunately in sydney a superspreader event. Potentially if they haven't sorted this out and you're really done to very low levels of new cases where adly quickly quickly if you're not very low levels of new cases. They can't afford to allow christmas to go ahead with big family occasions. Otherwise it's going to go nuts unfortunately so the other thing that we really don't know much about yet he's exactly who's who when it comes to these outbreak and that was something that we were quite critical of the victorian authorities about when they were grappling with. The outbreak is new south. Wales being transparent enough well looking at the data. They're giving it is much easier to understand. There were lots of times in victoria. Had no clue whether we're talking about change. During the day the definitions were awed. Here you can see the breakdown you can see where the cases are. You can see where where there's locally acquired but they don't know where the sources. I think it's two or three at the moment is a little bit of discrepancy from the press conference and what they've published since the press conference. Yesterday there were two at press conference soon to be three on the table by today. I'm not sure we haven't had time too early for us to luke. Why would why we record this so nasty question. It does seem more transparent but what's lacking is public health measures in the community to control it and give the contact tracers a break and let them follow it through contact tracers but no matter how good the are if you get too large numbers of cases they get overwhelmed and getting extremely tired whereas masks would help just reduce that spread that little bit. That might make a difference. Yeah it's a really critical a couple of days in the lead up to christmas. But we're going to be keeping you informed but that's all we've got time for today
"massey" Discussed on Nikhil Massey~
"Man more more more more more will. Aw new do
"massey" Discussed on News Radio 920 AM
"Always a pleasure to be alongside the founder and president of Massey and Associates Inc. Jeff Massey. Now, Jeff, we know because you do this weekend week out. You help retirees make decisions about their retirement and let's face it As a retiree. We do face a lot of choices. Sometimes it's a dilemma. Trying to make a final decision on how you'll spend your days in retirement. Lots to think about. So as we do that, we consider it. It's kind of like a game of would you rather and we've done this before on the show. I'd love to do it again with you and put you up to the test a little. Would you rather what do you think? All right, I'm game. So here is the first big question in our version of the game. Would you rather hear it is Jeff? Would you rather never get a paper? Cut again? Ouch or never get something stuck in your teeth again? Big decision. What say you will? Neither of those air good, but you know, the paper cut You know it hurts, but I think I would go. I'd rather never get something stuck in my teeth again. That that would be my choice. It happens. A lot drives me crazy. It's a lot. This is going to sound kind of weird, but you know, having something stuck in your teeth when you're sitting in front of people all day long, you know, it could be an embarrassment if you don't know you got something stuck in your teeth. So 11. Good thing with the coveted were wearing a mask. So we're covering a mouth so we don't have to worry about if you have something stuck in her teeth. I never thought about that. Hey, we're always looking for the silver lining. Right? Well, you might as well you know, Life's a lot more interesting that way. Indeed, indeed, OK, so Jeff is such a good sport. He's allowing us to play a little game of would you rather with him now, here's a retirement related question. When it comes to retirement, Would you rather live in a beach house? Or in a cabin in the woods. So for me, that's that's a simple one. For me. It would be a beach house. Yeah, that would be my preference there. I just love the water. You know, I'm a pi sees. That's the sign I was born under. And I love being being by the water. I love the shore. I love listening to the waves. Um, you know, ultimately, if I could go on vacation, I tend to go to places where I can be on a beach. One of the most fun times I had was many years ago, had a cruise and we were able to stop it. They took us to some island that was owned by the cruise line. I forgot even which one it was, but the cool thing Woz that had they had all these hammocks. On the beach. You know, under the palm trees. Oh, my God. I was in my glory I laid in that thing and I took the best nap I think I've ever had in my life just in the hammock listening to the waves. Was awesome. I'm almost more relaxed, just listening to the story. I wasn't even there, Jeff. It sounds magical. And there is something about being near the water. Just the sound of the waves crashing. It really does kind of put you in a different mind set almost Mm. Yeah, sure does. And then you know, you also have to appreciate how beautiful the ocean can be. But how powerful and destructive it can be as well. You know, many years ago, I was the training officer for the 1/15 military Police company and Pataki. It And it was back in the eighties, when we have that hurricane and I was responsible for the narrow canceled shoreline area down by the Coast Guard house and all of that, if you know that here, there's a very large parking lot that butts up to the beach. Well, we were seeing rocks that were probably two and 3 ft in diameter that the waves had. Pushed up went across that parking lot, which, if my memory serves was probably 152, 100 ft and then out into the road. On top of that. That's how powerful those waves are. And it was. It was really amazing. You know, to see them Mother nature. She has a mind of her own and boys just when you count her out. Just watch out. We've seen a lot of mother nature around the world this year, for sure with the bad stuff happening, fires and all kinds of crazy stuff. Indeed, you know, just listening to some of your stories here, Jeff. I wonder when you're working with a couple do they sometimes house and different ideas for their vision, their goals for retirement. And if so, how do you get them on the same page? Or does that not really matter? You know, it's an interesting point, because often times people will come in, and they're very like minded husband wife. They kind of want the same things. And on occasion we meet with somebody that they're like, you know, left and right that they're like totally opposite. I want to be more relaxed and chill out hang out around the house, which More often than that seems to be the guy that wants to do that. And the lady wants to maybe travel Seymour and go out and about and do things and do things they didn't have. The time. There were, they didn't have the vacation time that would allow them to make these big trips. S so it can be challenging, and we've had some that have decided to do their own vacations. So the lady goes out with her lady friends and goes on vacation. The guys do golf trips or hunting trips, and they do their vacation with their bodies, and then they come back, and they're both happier because they were able to do what they wanted to do versus compromising. So you know it's all over the place, and there's no right or wrong with that. It's whatever works for the couple that were working with we we don't mean it's not up to us to say you should. You should not do it this way. That way. It's just you tell us what you want to do. And we Put the plan together to provide the income stream that you need to make it happen Now we want to continue our our game today. Here on the show of would you rather I'm learning a lot about you. By the way, Jeff. Yeah, So here's another. Here's another retirement. Would you rather question Would you rather put your retirement savings.
"massey" Discussed on News Radio 920 AM
"Much higher than what they listed the price for sale so That has been going on in this article implies that that they expect that type of hyper market in real estate to continue through 2021. No, I think a big part of that is the lower interest rates that we're currently enjoying, since the feds have brought the rates down now, when I say enjoying lower rates, that's great for people that want to borrow money for something, but it's lousy for people that are saving. You know, because you're looking at the bank rates the bank rates or pathetic under 1% for most of the CD rates and consider this, the feds have brought the 10 year Treasury down to a yield. Of it's been like 0.6 point 7% for a 10 year. Program. Know what you want to put away your money for 10 years and only be guaranteed 100.6 or 0.7% will know. So what's happening with that? As a result of the extremely low interest rates, people are pushing more money into the market. Now I'm not saying that's a bad thing. But you should do that with caution. Because depending on where you go in the market, you maybe taking on a lot more risk than what you think you're taken. And we see this on a regular basis when our listeners come in to take advantage of our complimentary meeting process that we offer with. The first thing we do is to develop a report based on their statements in the second meeting, we come back and report to them. Look, here's what we see. And most often there level of risk in their current portfolio is way above where they're telling us. They want to be when I say where they're telling us. We used a software call risk allies and the clients go through a very quick question here, like three or four minutes, We have a number between one and 100. That's their risk number. We also through that same software determine what the level of risk is in their existing portfolio, and we see if there's AH connection or really mismatch between the two. And more often than not, we see substantially more risk in their portfolio than they're telling us. They're comfortable with, so having that major disconnect is is dangerous because then people will make bad decisions. You know, I just spoke with somebody on the phone this past week that panicked in March because he was thinking he's he's only like four years away from retirement. He thought it was gonna be catastrophic. He pulled his money from his investments and went into a safety position. If you will. Within his retirement plan Now, thankfully, he did get back in, but not until June. So he missed most of the bounce back. That happened, and that's the unfortunate port. So the important message here is don't try to time the market. It's not about trying to time the market because nobody can do that effectively and do it consistently over time. What's most important is time. In the market. You just need to be in the right places, so we help people determine what the level of risk is. And then we build a plan to to give them both a level of safety as well as an opportunity for growth. And we do that by putting assets into different categories. If you'd like to take advantage of that. Simply text the word visit toe for a 1 207 200 well coordinated time for us to get together now, even though we're using the word visit toe for a 1 207 200 That you could start with a 15 minute phone call. We could do a computer zoom meeting or you can come in physically, And we're taking all the precautions here to ensure that you have a safe environment to meet our conference table. Is 10 ft long we've got Plexiglass in the centre of high efficiency your filter we sanitized after every single meeting, so I kind of tongue in cheek. So you probably safer here than the grocery store. Even though they all do great jobs. But there's just so many people there. We think this is actually a safer environment. So text the word visit to for a 1 207 200. We look forward to connecting with you very soon. And we're back. There's much more Massey on money straight ahead. Massey on money is on the air and online visit Massey on money dot com. Learning MBA.
"massey" Discussed on News Radio 920 AM
"That he wants to start preparing for retirement. So I was very impressed with this young man came in. We set up a plan for him. And he is faithfully putting money in every month into his private plan so that he can build income for the future that he will be able to access on an income tax free basis. You know, Jeff Ed stat that I read earlier that one in five American adults have nothing save for retirement. Really painting a retirement crisis in America. He will not be part of that, and I think he was around 20 for when he bought a home, So you know he's he's. He's somebody that really has his head on straight when it when it comes to his finances. Because he's very focused on getting things, son, his goals oriented, and that makes a huge difference. Huge difference when it comes to your money, especially absolutely so true. So how important is it, though, when you're thinking about your goals and especially your goals and retirement to be realistic? You know, it kind of goes back to what I had mentioned earlier with seen those commercials where they're showing that everybody needs a $1,000,000. In my opinion, That's unrealistic for a lot of people When when you look at people If you make a $50,000 income that's considered a pretty strong income. Well, it would take you 20 years to earn a $1,000,000. Never mind save a $1,000,000. And that's why I think being realistic is very, very important. And how do you get their house? How does it become really for you? Well, it becomes real for you by sitting down with a planner that can kind of lay it out and say, Look Where's your lifestyle expense right now, because to me, that's the foundation of the plan. What does it cost you to survive to live your life, and that includes you. If you go out to dinner every week if you travel every year, it includes all of that information in it. And then with our You know, we have some very sophisticated software that we use in order to keep the output very simple. And I think that's a key point to what we do. And we input your information, and we can project out what you would need in an account balance to produce the income to support your lifestyle. And then we also factor in what your future Social Security values would be. And if you're lucky enough to have a pension with that future value would be on a monthly basis, and we subtract those known forms of income from your expanse. And then that leaves a gap. And then how much money do we need to fill the gap? And that's how we calculate what the goal should be for you to get to retirement with an appropriate amount of savings so that you can support your lifestyle that you've become accustomed to. So I'd like to offer a retirement income checklists or listeners simply text the word checklist to for a 1 207 200 we'll get this checklist out too right away, And I don't know about you, but when I go shopping, I find it to be much more productive. If I write down all the things that I have to pick up Is all too often, you know, with all the things I've got running around in my head all the time about helping people with their retirement. Even when I'm like I was at Lowe's recently I went there for, like, four things. Sure enough. I didn't have a list that day, and I forgot one of them. So then I had to go back and told me crazy. So use this retirement income checklist for your benefit to help you see what's ahead of you so that nothing is overlooked. Simply text the word checklist to for a 1 207 200 we'll get that checklist right out to you Happy to have you with us for Massey on money today. I'm Meghan, Mo Zack here with Jeff Massey, founder and president of Massey and Associates, Inc You can go to his website right now, if you'd like to check that out. Go to Massey on money dot com. Massey has spelled M A s.
"massey" Discussed on News Radio 920 AM
"With Jeff Massey, founder and president of Massey and Associates Inc We'll be giving you ways to get in touch with Jeff throughout. Graham. So stay tuned for that. You can go to his website right now, If you'd like to check that out. Go to Massey on money dot com. Macias Spelled M A S s. Be why interesting statistic and maybe one that you've heard before. One in five American adults have nothing. I mean, zero save for retirement, and those numbers come from a bank rate survey. They indicate we do have a bit of a retirement crisis looming for America, but I promise you, Jeff and I are not here to spell out the doom and gloom. What we want to do is help guide you on the right path. Show you how the money that you're saving can work for you and retirement. I think the question is Jeff. How much should we save for retirement? And how do we know if we've saved enough? You know, it's always the no pun intended the $1,000,000 question and I say it that way, because all too often we see TV commercials that are showing that $1,000,000 as a goal for retirement, implying That everybody has to have a $1,000,000 saved in order for them to retire. And for most people that that number is just way too large. People will look at that. And just, you know, admit defeat and say, I'll never get there. So I'm not even gonna bother trying, And that's the unfortunate part in my opinion with those those types of commercials. That always want to put that big number out there. You know, there are many people that can retire very comfortably because of their lifestyle on you know, two or 300,000 Because they may have a good social security. They may also have a pension so they don't need is much saved for retirement. The scary part And when you see these surveys like you you mentioned from Bankrate. Their their website is bankrate dot com. You can go there. I have all kinds of great information for consumers there, especially with interest rates. Mortgage rates, car loan rates things that nature to so they do A lot of good information on bake right dot com. So when we look at what's going on with that big number that $1,000,000 number for many people, it's it's too far fetched for them to consider, And they might be a little disappointed that they might never be able to retire. So our job is to show people how to go about really determining what your number would be. You know what it would take for you to retire. That's what we're here for. That's that's our primary goal is to help our listeners understand or better understand what it would take for them to retire based on their lifestyle expense. So, Jeff, What do you say to people who maybe haven't saved as much as they had hoped to for a retirement? Are there ways to catch up? Well, there are And actually, the government has helped along with that a little bit. Where We have water called catch up provisions for retirement plans like foreign case and 43 V's, which allows people that are 50 and over to add an additional $6000 per year into their retirement plan. Where if you're under the age of 50 you can put in 19,000 this year. Age 50 or over. You can add 6000. That's a total of $25,000 a year that you're allowed to put into your retirement plan. So when you look at that number plus, hopefully you have a retirement plan that's doing some sort of a match for you when you look at it, If you could say 25,000 and maybe the company can add a few 1000 more in the way of a match of some sort. You know, it can really help you save towards that retirement goal. And if you don't have a retirement plan if you're 50 year old Marie get an extra $1000 that you can put into an IRA account so you can put in 7000. If you're under the age of 50. You can only put in 6000 into your IRA account and the younger you are in my opinion. The better It is for you to use Roth. I raise versus a traditional Irish. So pay the tax this year on your contributions. Let it grow tax deferred, and if you're 59 a half or beyond, and it's been in the Roth diary for at least five years. Well, then you can draw your money out totally income tax free. And when we look at the federal deficit that we have in this nation today in how crazy it's growing in my opinion taxes have nowhere to go. But up. We know they're going up in 2026 based on the current laws. But we believe that they're going to go up well beyond that, as well. Weigh, you know, after 2026 because the federal deficit is just so enormous. They have to figure out how to get more revenue into the federal government to pay the debt down. So that's the scary part for us is is understanding that and trying to convey that to our clients and why it's so important to build tax free growth for the future. So obviously making it's It's a very important topic that we're talking and kicking around here today on the radio, and this information is so important. It's why I included it in the book that I wrote Massey on money, and I would love to give a complimentary copy out to our listeners. So if you would like to get your copy, which is complimentary, simply text. The word book, too, for a 1 207 200 That's all we need to do Text the word book. Shoot for a 1 207 200 will reach out Get your mailing address because we're mailing you a physical, put its not a download. I I prefer to read an actual book as opposed to download so I'd like to send the books out everybody, and there's a wealth of information is three decades worth of experience that I poured into that book. So take advantage of it. It's a great book. It's a simple reed. This is the feedback we get all the time from folks that have read the book. They say, You know, I'm not big into financial stuff, but you made it easy, and that's what I love to hear about the book. So simply text the word book. 0401 207 200. Get your hands on that book. Wonderful read from Jeff Massey. Terrific resource for you. If you're thinking about retirement, and I wonder about that, Is it ever too early Jeff to start planning for retirement. You know, it was funny. I think back a probably 23 years ago. My marketing person at the time had come in and she says. She said. We have a young man that wants to come in and talk about retirement plan. I saw Hubble dizzy, she said. He's 22 0 wow, That was that was my reaction was like Wow, 22 he's thinking that far ahead..
"massey" Discussed on Books and Boba
"So, , re-re yes. . What do you want to start with this one? ? I think we should start with the author's background. . and. . Just like the inspiration behind Irvine. . So. . John Massey was born in England and she was raised in the US right now, , she lives in Baltimore and her parents are from India and Germany. . So she did a lot of traveling. . She actually wrote another mystery series back in the nineties which was set in Tokyo while she was living in Japan and it's the Ray Chamara mystery series. . But this book was more in the of own voices <hes>. . She did an incredible amount of research for the book I don't know if the people are goods forums read the acknowledgments at the very back but I tend to read all of the acknowledgments because I. . I'm usually really curious as to who the author thank and it gives me like a sense of. . Their journey when it came to writing the book and she. . Massey doesn't have a background in law. . She reached out to people reached out to legal historians at universities in. . The US who specialize in South Asian law and also in Bombay she contacted magazine editors who are familiar with Parsi customs <hes> she went she actually went to Mumbai and she visited all of the historical <hes> institutions she reached out to like even railway experts. . So she could figure out like how people were able to travel from one place to another <hes>, , and even with the food she I think she interviewed a bunch of like food writers as well. . So like the food descriptions in this book are fantastic and our main character per wien is actually inspired by two. . Women, , attorneys. . One of them was Cornelius <unk>. . One of them was Cornelius <unk>. . She was the first woman to read law at Oxford, , and the first woman to take the British law exam in eighteen ninety to eighteen, , ninety two that's a lot earlier than I would expect the first. . First Indian woman to <hes> to study law, , and the other women that appropriate is based on is Mathon Totta lung who also studied law in Oxford and whisk first woman admitted to the Bombay bar a back in one thousand, , nine, , hundred, , twenty, , three. . So. . Yeah like per Venus. . This this book is set in the nineteen twenties. . So yeah. . It's actually it's really interesting that it's actually based on women who did practice law so Yeah. . I mean it's <hes> I? ? Don't think reunite can claim to be experts in the cultures of India <hes> but this book real you can tell that the author did a lot of research especially to portray like Mumbai such Mambi during this time period, , which was a pre partition <hes> it was it depicts a Mumbai that's <hes> very multicultural multifaith like a lot of different. . People Customs Cultures Religions, , and even value sets that kind of coexisting with each other <hes> which made for really interesting setting especially in the context of per wien enter father <hes>. . Jamshedi as lawyers who had to. . Navigate these. . Waters right because every single community has their own set of loss at they have to understand and know how to argue and <hes> just also takes place on the backdrop of this was when India was still in imperial colony, , right is still part of the British empire and so you have the added. . wrinkle of a colonizing power in the form of white people in the mix as well. . Yeah <hes>. . Like you said, , I'm I'm not an expert with a one thousand, , nine, , hundred twenty s India <hes>. . But in terms of like England nineteen twenties. . So that was during George, , the fifth <hes>. . Who was the grandson of Queen Victoria? ? It's so it's to rains after the Victorian era. . So very the the the dad of the King's speech King Yes yes. . <hes>. So . this was during time where there was a rise in socialism. . And just. . <hes>. . I. . Think it was like at the height of the British empire and then it crumbled. .
The Widows of Malabar Hill by Sujata Massey
"So, re-re yes. What do you want to start with this one? I think we should start with the author's background. and. Just like the inspiration behind Irvine. So. John Massey was born in England and she was raised in the US right now, she lives in Baltimore and her parents are from India and Germany. So she did a lot of traveling. She actually wrote another mystery series back in the nineties which was set in Tokyo while she was living in Japan and it's the Ray Chamara mystery series. But this book was more in the of own voices She did an incredible amount of research for the book I don't know if the people are goods forums read the acknowledgments at the very back but I tend to read all of the acknowledgments because I. I'm usually really curious as to who the author thank and it gives me like a sense of. Their journey when it came to writing the book and she. Massey doesn't have a background in law. She reached out to people reached out to legal historians at universities in. The US who specialize in South Asian law and also in Bombay she contacted magazine editors who are familiar with Parsi customs she went she actually went to Mumbai and she visited all of the historical institutions she reached out to like even railway experts. So she could figure out like how people were able to travel from one place to another and even with the food she I think she interviewed a bunch of like food writers as well. So like the food descriptions in this book are fantastic and our main character per wien is actually inspired by two. Women, attorneys. One of them was Cornelius One of them was Cornelius She was the first woman to read law at Oxford, and the first woman to take the British law exam in eighteen ninety to eighteen, ninety two that's a lot earlier than I would expect the first. First Indian woman to to study law, and the other women that appropriate is based on is Mathon Totta lung who also studied law in Oxford and whisk first woman admitted to the Bombay bar a back in one thousand, nine, hundred, twenty, three. So. Yeah like per Venus. This this book is set in the nineteen twenties. So yeah. It's actually it's really interesting that it's actually based on women who did practice law so Yeah. I mean it's I? Don't think reunite can claim to be experts in the cultures of India but this book real you can tell that the author did a lot of research especially to portray like Mumbai such Mambi during this time period, which was a pre partition it was it depicts a Mumbai that's very multicultural multifaith like a lot of different. People Customs Cultures Religions, and even value sets that kind of coexisting with each other which made for really interesting setting especially in the context of per wien enter father Jamshedi as lawyers who had to. Navigate these. Waters right because every single community has their own set of loss at they have to understand and know how to argue and just also takes place on the backdrop of this was when India was still in imperial colony, right is still part of the British empire and so you have the added. wrinkle of a colonizing power in the form of white people in the mix as well. Yeah Like you said, I'm I'm not an expert with a one thousand, nine, hundred twenty s India But in terms of like England nineteen twenties. So that was during George, the fifth Who was the grandson of Queen Victoria? It's so it's to rains after the Victorian era. So very the the the dad of the King's speech King Yes yes. So this was during time where there was a rise in socialism. And just. I. Think it was like at the height of the British empire and then it crumbled.
Oliver Stone: Memoir and Movies
"Stone, Amanda I in my mind have been circling a podcast episode about Oliver Stone probably since about Nineteen ninety-one, which is when I I had some consciousness about the work of one of the most fascinating figures of the last forty years in American cinema. There's a reason we're going to be having an episode conversation about stone today, which is that he has a new memoir that memoir is called chasing the light writing, directing surviving platoon midnight, express scarface Salvador, and the movie game. It's a very interesting book you and I have both read it. We're we're both. In some ways and perhaps frustrated confused devastated in other ways before we get into the book though and before we get into how we're going to talk about the scope, the massive scope, the unbelievable scope of Oliver Stone's career. When I say Oliver, stone, what do you think? Conspiracy Theorist just to be totally honest and filmmaker and. And really and boomer and I think that is going to inflict a lot of the way that I talk about Oliver Stone in his filmography because I am a generation younger I am a child of boomers and I came to Oliver Stone's work and to Oliver Stone's understanding of the world a generation after. He lived at and made it and it was very funny and re watching everything from platoon to to wall. Street to JFK. To realize the way in which those movies shaped, my understanding visual and political about Vietnam, and about JFK and about how we examine America and the government and I am both child of Oliver Stone's world, and maybe because of time in the way, the world has changed a skeptic of Oliver Stone's world at this point, which is just to say on the next generation. I. Think a lot of this will be boomer versus millennial and and that's good. That's how the world should work. Even Oliver Stone would agree with that though maybe not we can talk about it but I don't know what do you think of? Mid already. So many good points I. Think he's an artist to strains credulity while also I think enlivening imaginations he's somebody who is obviously immensely thoughtful and intellectual and spiritual and simultaneously feels like he completely out of control and trying to break the boundaries and stretch the concept of the truth all the time, and so he's just a a generational paradoxical figure. He's a he's a person who I think it makes immensely entertaining movies that. Don't always stand up to deep examination, and so I think he is he is an title baby-boomer figure in that way and that he is there's a certitude about his mission and there's an earnestness in insincerity to the message that he's trying to send. But also underlying that is perhaps a kind of cynicism and a skepticism about what he should be doing with his time versus what he's actually doing with his time, and so I you know I find, I've always found him to be fascinating maybe not as a human being per se but at least the stories that he tries to tell. I was GonNa say I do think he's interesting as a filmmaker and what else was a person and? We're GONNA talk about all the different ways in which Oliver Stone like quote breaks the rules but I have been thinking a lot as I have been reading his book, which is a fantastic read I will just say that the guy can write. and. Have also been revisiting his work that you and I are trained to as much as we can released I wasn't college train a separate the artist in the art the art has to stand on its own can't complete the filmmaker and the and the work, and you also need to understand that the work and the intention are possibly separate as well and Oliver Stone just makes massive all of that, and he makes a mess of that in his actual art and he makes a mess of that in the life that he lives and in the interviews that he gives and the work that he pursues and. To me that's exciting because it opens up conversation to talk about what can you take seriously and what is cynical and what is sincere and what is true and what is not true and how are we like an who is responsible, which is at least a different way to talk about art. So you know I give him that even though I don't agree with where I think Oliver Stone comes down on those the answers to those questions but even there, I'm just guessing. Well I, think if you look at the book, you certainly are looking at the man or at least the the self perception of the man, and so we'll talk a lot about him and his story in his life and and his the way he is capturing his own life on the page which I I agree I mean he's just in case you didn't know this is an Oscar winning screenwriter. This is one of the great writers of the last forty years is also as a person who didn't just write his own films but road scarface and Conan the barbarian and a number of other films over the years. So he knows what he's doing on the page, but he is also somebody who. If you look it the political thought not like a straight line where there is a left and a right. But if you look at it like a wheel like a circle, and if you go too far from one side of the circle to the other you can land. You may think you are liberal person and find yourself with right wing ideology or libertarian ideology and reverse can also be true and I think one of the reasons it's really hard to unpack not just what Oliver Stone says in interviews or what he even. Portrays in his documentaries but even when he puts in his films is it feels like he's constantly running around that track that circle of political thought and so he's actually a perfect figure for this moment where there is this desperation to find art that coincides with our political ideology or our sense of what the world should look like and as you said, Oliver makes a mess of that he really. is trying to he's contradicting himself in real time. He's contradicting the sensibilities of that kind of baby boomer antiwar mentality. But on the other hand, he's like an Avatar spirit animal of truth for certain kind of humanism and that sounds really kind of haughty. But I I think he really wants to representational person who is thinking about putting people before government business political structures, and it's complicated right? Because he's A. Essentially a wealthy well to do white man who was born in the immediate aftermath of World War. Two, and so he had so much opportunity to do the things that he wanted to do in a way that other people don't. So he's not he's just not a tidy figure for that pursuit of humanism. It's interesting that you said he's putting people in front of institutions and ideas and governments because I think that's true. But it's usually one percent, and if you look at his entire his filmography and and really I, think even if you look at how he says. A lot of political issues, but it's it's not. The, greater good. It's usually focused on one character who is often a man and quite often a white man it is and it is understanding history through a single person's experience. So it's like it's almost I. mean he certainly subscribes to a great man theory of history but at the same time as also reversing, which is like the the the one person's experience of history, which can be a really exhilarating in certain films that we'll talk about and really really misguided I find or not even misguided but just doesn't work and isn't illuminating and the way that he thinks it is. IN IN CERTAIN Aspects, and then also in certain cases, it can just be about himself and it is I. The thing that makes his. His memoir. So electric is that it really is self mythology and he is really trying to understand himself and trying to pin down that constantly moving wheel as you said simultaneously and and I really admire having access to that. I obviously read a lot of celebrity junk and and memoirs and. Interested in trying to have access to people's ideas and thoughts and understand their characters and most people won't give it up in that way and won't share and won't be as open and Massey at as as Oliver. Stone is and that's true of the book and that's true of politics for sure and it's it's making. The great man theory is is really relevant to this conversation not just because of the book not because of the film's but because it's a little bit unclear, it's a sort of a chicken and the egg or the proposition with him. Does he subscribe to those theories because we read about in this book, He is interested in the dramatic pursuit. He has a pretty clear understanding literally of how to tell a strong story and that story is usually through a homer like figure or a a habit like figure somebody who is you know on on an indomitable quest to achieve something that seems impossible he's he's really passionate about this and you know again, there is something kind of haughty about this but also he just he seems to come to a very sincerely and so he uses Jim. Garrison in. J. F. K. or he uses Jim Morrison in the doors or he uses Ron. Kovic. In born on the fourth of July as these avatars as these great men who are seeking to achieve something that no one else could even perceive as possible and I think Oliver Stone sees himself in a very similar fashion. He sees himself as this well, to do white guy who volunteer volunteers for the Vietnam War to explode his privilege and to understand the world in a hopefully deeper way,
Learnings From Empty Billboards Near The Airport
"I drove some friends to the airport here in Keio because I finally got the repatriation fly back to Thailand, and like many reports of course the last few kilometers before you hit the airport on the side of the highways, you, these Massey billboards, and they're always full. They've always gone advertisers on them. The only time you'll see a blank space up there is when they're transitioning one ad for another, but yesterday I reckon about half empty and they weren't transitioning. And, so I said to myself. What can we learn from that? Well, the first thing is it's a real sign that businesses bad and I'm not sure that you want to tell the world. You'll bad. Do you I mean I think we all understand now. That businesses bad, but those sort of images because it's such a stock image. You're used to sing at full of now. You've got blank screens. It's the sort of thing that I think you would remember. You're a potential advertisers. You'RE GONNA remember that in the future when you think about placing those ads almost billboards, and you promise not such a great business maybe. So I wouldn't take the billboards empty. But what could they have done instead? Well the most obvious I think would be to just keep. The old adds up I. Mean Your previous customers had paid for the ads? Anyway? Machinery, we pay the bills, of course so why not give them a little bit of free airtime because you're not selling them anyway? The other thing you can do of causes advertise the advertising space. You know your adhere seeing those from time to time. And you could do combination of both you could actually put. Up Put big sticker on that says you know your head could be here. That would be one way you could keep them busy. The other thing I stopped thinking about these. Maybe, people don't want to buy anymore in that space ever, but you will because I think everyone assume that flights are gonNA. Come back at some point in the future. We're GONNA fly, and that real estate is the only way to get to the airport essentially, so people are GonNa, see those ads. And, so if they came out with the right deal, pay now use light or something like that. Get creative about the marketing and stick it up on those big billboards I reckon you could actually sell them and get some revenue in now to see through that spot. And the other thing that I think is really interesting. Because I started. Thinking about what happens to those advertisers. Where are they going now? Are They not advertising at all, or am I just going to a small spend? and. That's where I think the opportunity for a lot of your AL businesses think about the you go to a conference on a vein during your industry magazines, you see the big companies, the big brands advertising. Well now they don't have the events. Maybe the magazines aren't going out anymore. And or maybe they just trying to save on the budget, so if you've got a customer database yourself. If you've got sight thousand people on your mailing list, or you've got a few hundred members than maybe you can reach out to those brands and say listen for a few hundred bucks for thousand Bucks I'll send out a private to older. My members I will actually help you. Is a much much more audience of course than what they used to, but you price it accordingly. The process cheap gives them another way to stay relevant and stay in touch, and it also makes it much more personal so I think there's lessons him. These blank billboards and I think there's lessons in what's happening around advertising and promotion right now and in those lessons I think are opportunities like that one so i. I would be heating up those big brands. You normally see it events or magazines. You know you know they are in your industry. Hit them up and say well. What can I do to help you promote your business. And how much is it worth to you because you might find yourself able to earn a little bit of revenue on the side, and that might be the difference between getting you making you. Between you being able to see the other side of this thing or not or
"massey" Discussed on News Radio 920 AM
"Wear happy to have you here on the program today. I'm Meghan, Mo Zack. And with Jeff Massey. We're really glad you tuned in today. We have a terrific show lined up for you, You know, with everything that's been going Go on. I know a lot of you out. There probably have some questions, right questions about the market. Maybe how your portfolio is doing and we're going to talk about Jeff and what he conducive for you in this space, this retirement planning space, understanding and making sense of some of the questions you might have will also be talking about Jeff's Massey on money Retirement roadmap. How That could potentially help you. I'm sure will answer a few of the questions you have on the show today, but I want you to know that you can always reach out to us the phone number for 01 200 7200 again. That's for 01 272 100. Jeff is also online at Massey on money dot com. Macias spelled M A s as E Y. Now, Jeff, I know because you have grandkids and you grew up with lots of siblings. You remember that fairy tale about the three little pigs of the big bad wolf, right? Oh, absolutely. I remember reading that story. My two daughters. Absolutely. We all know Has anybody that has kids has read that story to their indeed, we could probably re sighted from memory. The big bad wolf would have and puff and, you know, blow every house down except for that last house. Why? Well because that last house was Built a really strong and it had me thinking Jeff about the financial house that we build for our own retirement. It needs to be just a strong so things are blowing it or knocking it down. And I want to talk to you about that. Looking at retirement almost like House and in this case of financial house, how do you build a sturdy financial house for retirement? Why is that so important? And the important part of that is it's not how fast you'd do it. So in the story of the three Little Biggs one could build real fast because they were just throwing things together. Right and put these, the sturdy one took longer to build because it was built correctly. And it's kind of interesting because the build a strong financial house. You can't In my opinion as an adviser. You can't be what we call a solo type advisor. You can't be just an investment person or just an insurance person, because it's like going into the ring with one arm tied behind your back. You're not providing full service to your client and.
"massey" Discussed on The Money Advantage Podcast
"The time right now, which is creating? I hope a very huge overwhelming sense of opportunity of hey. I can now choose like literally. Ask yourself this. What do I want to be when I grow up? Now. You've got better information on how to answer that question versus when they asked you when you were eight. Absolutely. Absolutely we should have titled This Wisdom Deep Wisdom with J Massey. This is awesome so i. As. We wrap up here from my one minute meditation this morning. I don't want to pose as being A. Guru that meditates a very extended period of time. This is my reality. Sometimes it's time for one minute, but here's the quote that was the at the end, said every time we ponder thoughts act on impulse or dwell on a desire. We are setting in motion. 'cause it will have a future. Mindfulness enables us to choose wisely. That was Tamra Levitt. Had that quote, but the idea that every decision you make right now is setting this trajectory in this course for all of eternity, not just your own life, but every generation that goes after you and making a huge impact on the world, so let it be a great impact. Yeah, I mean you for maids is just very very real. Still I mean I started. We were squatting. mink owned property credit scores, three, ninety, eight, some Alden. No, it went that low and yet we do real estate like that. That was crazy back in in win. The previous crazy was going on where there's chaos, there's cash flow, and it is because of decisions made then that you you're talking today. And, it'll be because of decisions made today that. Lord Willing I'll be talking to different people, or maybe even you again in the future I mean that that's just how it is, you know and if you you don't like what happened today, understand I got it, but think about what you were doing six months ago. If six months ago with is the time when you were supposed to be planting seeds today, being the harvest time will, the real question becomes is. Would you like life to be a little bit better six months from now? If the answer is yes, then consider, what did you plant it today? So so so so good! How do even wrap this up? Let's see so jay. If somebody likes you which I don't have any idea. How in the world they could have listened to you so far, not love you. If you want to connect with J or find out more about short term rentals, sir, how do they get started with that? The easiest thing to do is go to cash flow diary dot com by far easiest thing to do just go to catch diary dot com. However, I also know that humans work better off of goals when goal is well defined. It's something that you can begin to latch onto an pursue one of the challenges with. With real estate is that oftentimes people don't set inappropriate goal or even know how to come to a number. Like how many units do you need in order to retire? Wow, no most people don't even know the answer. Well, what we did is we developed a calculator that gives you the answer so that you can know how many units you need in order to retire, and you can access that by just going to.
Mayor Bowser asks Trump to remove military, unmarked officers from DC
"Washington DC mayor Muriel Bowser's demanding that National Guard troops that were called in by the feds to deal with protests over the death of George Floyd be removed one GOP lawmaker tells fox that she has no say in the matter your browser has no guard control when it comes to DC because of the assumption that that is entirely president trump and the secretary of the army so anybody that tries to conflate the two is incorrect and by the way again the vast majority of guard this time it's been activated and then by democratic governors to stop politicizing the guard congressman Adam Kinzinger is on the committee of house affairs a major demonstration in the nation's capital is expected this
"massey" Discussed on News Radio 920 AM
"The website you can always go to Massey on money dot com for more information again that's Massey on money dot com Massey is spelled M. A. S. S. E. Y. Jeff as we're talking about fees that are sometimes hidden within our four oh one K. is I would assume I'm covering those it does take that help how do we know we're working with the right person who can find out what those fees are for us well for us I think that's kind of easy you just give us a call at four oh one two hundred seven two hundred and let us know what you would like to know about your investments and we can do a full report on your behalf because we we have the software available to us that can dig in and extract all of these different fees that you're paying and we show it to you in black and white on a very simple to read report in here that are firm in our proprietary process that we walk our families and clients through we refer to it as a mass in money retirement road map which is trademarked our massive money retirement road map is a plan that my team and I build from scratch for each and every family in individual that when we meet with and their unique needs and goals for retirement we believe that there are several key areas that should be addressed when planning for retirement no if retirement is on your mind when you aren't quite ready to come into our office to meet with us that's okay we understand that has to be the right time you know retirement is a huge life event and it's not something you can plan for overnight it's not like you're going to plan for dinner you know on the weekend so we have something else that might help you get started on your own retirement journey had love to share with you a copy of my book mass young money just text the word book to four oh one two hundred seventy two hundred and also enjoy complimentary copy with no obligation now once you get your copy and while you're reading Massey on money I want to ask yourself how can I retire and live comfortably but without overspending so I never run out of money it's tough to answer but it's why you may find my book so helpful some of the topics discussed in the book include income planning investment planning tax planning and tax mitigation healthcare leg is he planning and these are only a few of the issues that the book addresses again all you have to do to get a copy is text the word book two four oh one two hundred seventy two hundred and do that now to get a complimentary copy of my book Massey on money one more time textbook to four oh one two zero zero seventy two hundred do that now to get your free copy of my book Massey on mine Meghan mozak here happy to be alongside Jeff Massey today Jeff is the founder and president of Massey and associates thanks and this.
"massey" Discussed on News Radio 920 AM
"So glad to have you with us for another edition of Massey on money today we have a great show lined up for you and we top retirement planning here on the program each and every week this week is no different terrific topic for you as we talk about what's coming in the future for you as a retiree we're going to focus on social security and Medicare some on known because of course it's a source of income a lot of us will use in retirement but many of us we might end up getting it wrong and that's the social security it's really a big topic and we want to dive in on the show today you know Jeff I saw that the Social Security Administration says that eighty five percent of Americans age sixty five and older they receive social security benefits so it's going to play a role for a lot of us my question for you though is how confident can we be in social security income once we hit retirement well I guess it really comes down to how confident can we be in the politicians in Washington because they have known that the social security system will be in financial trouble approximately in the year two thousand thirty three that's not all that far off they've been saying that for the last thirty years so they can't claim ignorance of the fact that it's in financial trouble and so they haven't done anything yet and we're just wondering you know what does it take for the politicians to really get it that this system needs to be corrected in the faster we do it or the sooner we do it the better off it's going to be or let me put that another way the less painful it will be to fix it because in essence social security taxation needs to be increased we need to pay more over paychecks into the social security system in order to build up those reserves so that they don't run into trouble in around the year twenty thirty three like they're telling us and have been telling us for at least three decades they've been telling us this information so that's very frustrating so that's one part of me the other part of me thinks well I can't believe that the politicians are going to be so deadlocked not working together that they're going to let this actually happened but then how do they plug the hole you know it's like sticking your finger in the damn so to speak you know that's not gonna work because it's such an enormous problem and when you look at the number of people that are living longer you know it's just more taxing on the system so you know I'm not sure how confident we can really be in the social security system on it for the next ten or fifteen years probably okay but according to the social security information that they put out by the year twenty thirty three they'll only be able to afford about seventy four percent of the benefits that have been promised so that's a little scary so bottom line is you can't rely on it completely and I think you need to do other things to help yourself so you're telling us is it all comes down to those politicians on Capitol Hill well you know they're the ones that that have the power to change this nobody else that you know so they have to implement new taxation or increased taxation in order for this to work no two three years ago there was a guy Michael kit search very very highly intelligent guy he's got more acronyms after his name than anybody I've ever seen in the industry is as sharp guy and he's done calculations along with I believe at least one other entity and they'd come to the conclusion that if employees paid one point three five percent in additional taxation on their paycheck in the employer match that so two point seven percent total it would fix social security for the next one hundred years now to me that was a simple solution but now there's three years have gone by more people have retired more people are training from the system fewer people are paying into the system because a retired and now the number will get astronomically larger each year that they delay so it's very frustrating when when you see something that appears to be so simplistic that could fix the system for a hundred years and it's ignored by the politicians to me that's very frustrating yeah absolutely and there was this United income study and it found that only four percent of retirees take social security Jeff at the best time for them in other words at the optimal time so that means this is kind of scary ninety six percent of us are not taking it at the right time which means we're losing out on more than a hundred thousand dollars per household during retirement that goes back to that study I reference do you think retirees out there I think realizing just how much of an impact timing can make here you know I'm not sure the most people really understand that I think a lot of people just say well I'm gonna take it as soon as I can and that seems to be like a generic statement that I hear way too often and you know so then I start asking questions no thankfully it's not so much with folks that are coming to me with this is just like in general conversation you hear things so I said well why why would you take it early first is waiting in those types of things now here's the cut this might be a news flash for a lot of people actual warily speaking according to the social security system whether you started sixty two or your full retirement age or wait until age seventy actual warily you should receive about the same amount of money now that's contrary to the survey that you just mentioned because they're saying well you know what they're leaving behind a hundred thousand over their retirement years well it depends on what they used to for longevity purposes but back when all the statistics were put into place you know nineteen thirty five is when they voted on social security and finally implemented I think the end of thirty nine or yeah I think on the end of thirty nine is on the technically implemented it so all of the studies were based on mortality rates back then well obviously you know as a society we are living much longer now so that's where I think this United income study that you referenced is probably more of an updated number than what the government puts out interesting so deciding when to start taking your social security benefits will be one of the most important decisions you'll make regarding your retirement we have a complimentary report that covers who how what and when of social security decisions.
"massey" Discussed on News Radio 920 AM
"Tell you how to do that we talk about retirement planning here on the show each and every week this week is no different we have a lot of great information to share with you today so please stay tuned for that in fact it is a special edition of Massey on money our pleasure to bring you an interview that Jeff had with professor Robert Shiller why do you know the name Robert Shiller well he's a Nobel laureate professor of economics at Yale University he's an author New York times bestseller and he has a new book out narrative economics he's going to let us know what's in store from his perspective in our economy what's happening on wallstreet the most importantly how that may affect your retirement see gonna wanna stay tuned for that and you have the as I mentioned our listeners we do talk about retirement planning here on the program today and I think a lot of our listeners they're not looking to live that life of luxury without a care in the world but I'm sure some of us on occasion we wonder what that might be like it would be nice to to live the lifestyles of the rich and famous who was that Jeff robin leach robin leach yeah that was a name as queen wishes caviar dreams my goodness well there you have it yet a British accent in the he did over the age of the lifestyles of the rich and famous I feel like I'm sitting with him here now yeah not quite well what's interesting is that you know there are people who have made their wealth and they've retire comfortably but there are others who have gone from riches to rags and I'll tell you what Jeff if you Google athlete to squander their money or actors who lost it all you're not gonna find a short list of celebrities who ended up hitting financially hard times and I wondered about that how could so many people go through so much money so quickly you know it's always that you know no pun intended the million dollar question you know like you know why in I think when you distill it all down and peel back the onion it boils down to not having a plane in unfortunately a lot of people are taught you know all types of topics throughout school but we're not really talking about finances in school so you know it's not in grade school not in high school and unless you're a finance major you're not really learning about finances in college either so it's really unfortunate because most people go through their lives and they just have to wing it or you know that rely on what they learned by watching their mom and dad now that might have been good in my depend not so good so it really depends on how you were raised and how you think about money no I I will tell you in it's no big revelation it's in my book you know I grew up in kind of a poor family you know six kids my dad was a factory worker so money was always tight and as I grew up I really had a real twisted view about money and it's unfortunate that that I was that way and I was that way until about age thirty five not really sure I don't recall what happened but around that time I had an epiphany that it wasn't about collecting things that would make me happy and once I got that straight you know I had a whole I had a much better relationship with money but many people never have that appear from the never have that that that aha moment with the go view maybe I need to do things a little differently and when a big athletes get it's a you know huge contract in there these are generally very young men you know we talk football players basketball plays baseball players in in suddenly have millions or multiple millions of dollars coming in every year they they would have never been trained for that and if they don't have a plan if they don't have a good money manager that they can rely on then they just spend money **** nilly because there's so much come again that they figure it will it will never go away and that's the that's what separates the you know the good and the bad thinking that it will always be there thinking that it will never go away is that is not reality is so let's talk about lessons here and I will I really appreciate your background that you give Jeff your perspective it because we all bring that perspective that to the table what we grew up with our our attitudes towards money but it is really interesting when you see people who have we'll cross that hurdle they've been successful and then they lose it what what's going on here what lessons do you think we can all really take away from those people you know it's it's difficult to look at them but when you look back there is two different categories of people if you will if somebody is earned and built a company or earned a million dollars or something like that if they lose it all chances are they will gain it back because they earned it in the first place but when people get a windfall like even like a lottery winner it is unbelievable how many lottery winners end up losing it all org or filing for bankruptcy and I read an article a few years back they said the average lottery winners broke in seven years thank about that and you could win a million multi millions of dollars in your broke in seven years it's because you made wrasse decisions and we we we had a lottery winner here in Rhode Island that I believe was one of those casualties because everybody's hitting him up for money for will invest in my business investments business and he was investing in things that he had no experience that in there for he ended up getting taken advantage of and he filed bankruptcy I believe it was just about seven years after he had won a fairly good sized lottery so it's unfortunate that that happens but mostly it's because they don't have a plan they don't have a good money manager they don't have somebody that can guide them and you know a good good good money manager is not just the a yes person yeah sure you can yeah you can do that a good money manager has to say wait a minute that might not be in your best interest to do that and here's why and that's so important with a financial adviser that you want one that isn't just going to yes you all day long you want somebody that's going to have a good conversation with you about spending money and about plans for spending large chunks of your money just to make sure that it fits into your overall plan and you're not doing something that may into you as you move forward in your retirement years you know the so many different things to talk about as a money manager you know I and I've written so much about that in my book and you know I've got three decades of experience that I poured my heart into that book and I would love to hand out a complimentary copy of that book to anybody that would text the word book to four oh one two hundred seven two hundred the so you need to do just no message just type the workbook to four oh one two hundred seven two hundred and will reach back out to you to get your mailing address so we can mail the physical book to you it's not a download like some people think it is is an actual book so we love to get the book in your hands so that you can better understand money better understand retirement planning and all the different facets that it that it takes the put together a good retirement plan just text workbook.
"massey" Discussed on News Radio 920 AM
"Massey on money dot com. Massey is spelled M A S S E Y, Jeff. We were talking about the gridlock in Washington that got me thinking about social security as we're generating income in retirement social security plays a pretty big part in most people's retirement plans. But how concerned should we be about social security's future? Well, that's kind of a loaded question there again because it's there's so many different ways to look at the government is telling us that as early as twenty thirty four which is not all that far off the social security. Trust fund will only have enough money in it to cover about seventy four percent of the promised benefits to recipients. So thank you about. You're gonna lose twenty five percent of your money by twenty thirty four in your retirement years who wants to take that much of a haircut. You know? So it's a pretty serious issue. Now a couple years ago, there's a very smart gentleman by the name of Michael Kish. And he was here with our local financial planning association as a speaker. In had done actuarial assumptions relative to social security in his math at the time. Was that if all the workers put in just one point three five percent, more of their paycheck into social security and the employers match the same one point three five percent. According to his calculations it would take care of social security for the next one hundred years now when you sit there and look at a room full of certified financial planner said he's talking to you know, we're all sitting there like looking at each other. And I was certainly dumbfounded that it would only take one point three five percent more out of out of a paycheck to fix social security for the next hundred years. And I'm like, why is Washington not dealing with this, and it frustrates me. Because I think that is a simple simple amount. Because when you look at ask the millennials of today, do they think social security is going to be around anybody. I personally they're like no way it's going to be there for me. But if you said to them look for one point three five percent of your paycheck each week. It would be and it'll be taken care of over one hundred years. Yo k with that. I'm hard pressed to think that they would say, no that's too much. You know to make sure that they would have that benefit when they get to their retirement ages, which realistically it's probably going to change down the road. So when you look at social security way too, many people rely on social security as their primary source of income where maybe you need to take some of your retirement assets and create your own form of income that you know, that you can rely on that's going to be there for the rest of your life. And we can talk a little bit more about that. If you'd like really is a big part of so many people's plans and having that confidence that it's going to be there. I think we all want that. But boy planning ahead, Jeff it all comes back to knowing what you have knowing what you need. And that's what you help people do with your Massey and money retirement roadmap. Speaking of the government, speaking of social security and all things Washington DC up next we speak with Andy Friedman and Andy of. Course is a political affairs expert. We've been telling you about him. He's gonna talk about this government shutdown working to get his forecast for twenty nineteen. That's coming up. But first the number to reach out to Jap and the team at Massey and associates eighty four zero one.
"massey" Discussed on News Radio 920 AM
"Massey on money dot com. Massey is spelled M A S S E Y, Jeff. We were talking about the gridlock in Washington that got me thinking about social security as regenerating income in retirement social security plays a pretty big part in most people's retirement plans. But how concerned should we be about social security's future? Well, that's kind of a loaded question there Meghan because it's there's so many different ways to look at the government is telling us that as early as twenty thirty four which is not all that far off the social security. Trust fund will only have enough money in it to cover about seventy four percent of the promised benefits to recipients. So thank you. You're gonna lose twenty five percent of your money by twenty thirty four in your retirement years who wants to take that much of a haircut. You know? So it's a pretty serious issue. Now couple years ago, there's a very smart gentleman by the name of Michael kit, soc and he was here with our local financial planning association as a speaker and had done actuarial assumptions relative to social security and his math at the time. Was that if all the workers put in just one point three five percent, more of their paycheck into social security and the employers match the same one point three five percent. According to his calculations it would take care of social security for the next one hundred years now when you sit there and look at it. And now this a room full of certified financial planner said he's talking to you know, we're all sitting there like looking at each other. And I was certainly dumbfounded that it would only take one point three five percent more out of out of a paycheck to fix social security for the next hundred years. I'm like. Why is Washington not dealing with this, and it frustrates me? Because I think that is a simple simple amount is when you look at the millennials of today. Do they think social security is going to be around anybody? I personally they're like no way. It's going to be there for me. But if you said to them look for one point three five percent of your paycheck each week. It would be and it'll be taken care of over one hundred years the okay with that. I'm hard pressed to think that they would say, no that's too much. You know to make sure that they would have that benefit when they get to their retirement ages, which realistically it's probably going to change down the road. So when you look at social security way too, many people rely on social security as their primary source of income where maybe you need to take some of your retirement assets and create your own form of income that you know, that you can rely on that's going to be there for the rest of your life. We can talk a little bit more about that. If you'd like really is a big part of so many people's plans and having that confidence that it's going to be there. I think we all want that. But boy planning ahead, Jeff it all comes back to knowing what you have knowing what you need. And that's what you help people do with your Massey end money retirement roadmap. Speaking of the government, speaking of social security and all things Washington DC up next we speak with Andy Friedman and Andy. Is a political affairs expert? We've been telling you about him. He's gonna talk about this government shutdown. We're going to get his forecast for twenty nineteen. That's coming up. But first the number to reach out to Jap and the team at Massey and associates eighty four zero one.
"massey" Discussed on News Radio 920 AM
"This is Massey on money. Happy to have you along with us on the program today. I'm joined by Jeff Massey. He's the founder and president of Massey. And associates Inc. And it's a real pleasure to be back with Jeff in the studios, we do this each and every week, we talk, retirement and retirement planning. That's spin Jeff's focus for several decades. Now, helping people right here in our community retire successfully years this phone number. Maybe you have a question about your own retirement future. Jeff would be happy to sit down with you the number at Massey and associates Inc. Four zero one three three three eight thousand and before we get to far into the program. Jeff happy new year. Yes. Happy new year. Happy new year to all our listeners as well. I comes with a lot of New Year's resolutions. I know when we started new year and for many of us that means getting back into shape, right? I'm on that list to me to Jeff, and I was thinking back to when I used to do homework outs. You know, I have three young kids and sometimes it was hard to get to the gym. And so I'd work out at home, which can be a decent workout. But you're relying on yourself raw that motivation and training making sure you have the right forum. Boy things change when you actually get to the gym in front of a train or don't they? I'm sure you've experienced this you start to get a little more sore at the gym than you were at your home. Doing your homework outs. And I think that's because having that in-person trainer. It gives you that more focused workout. I think the same the case with what you do Jeff era retirement professional financial planner, and what you're doing is you're helping people get ready in some areas that they're not all that great at themselves. They might not have time to manage their finances. The way they'd like to plan for retirement, and so in.