40 Burst results for "Medicare"
Fresh update on "medicare" discussed on Morning Drive with Casey and Elliot
"Obviously the charge on this saying that Donald Trump is going to do away with Social Security. Here's what she had to say in case the president's intentions were unclear. He said that after the election he made permanently cut the payroll tax, which would deplete the trust funds. And destroy Social Security and Medicare as we know it, if you're a senior, or paid into Social Security and Medicare and awaiting for it, watch out, watch out. That's a lie. I mean, it is just a bald faced lie. What you have is the president not liking the manner in which Social Security and Medicare are funded. He thinks the payroll taxes the wrong way to do it. We've been very clear about that. If he is reelected, he wants to do away with the payroll tax and find a different funding mechanism. But this is now being this is the latest attack on every four years. We see this and varying degrees of success, and I think the White House has to push back. Very fast and very hard on this issue because otherwise we will once again have the push Grandma over the cliff ads coming, you know, in November, I think you're absolutely right. And Larry Kudlow did that on Sunday. Steve Evolution did yesterday. He's talking about what's permanent if reelected, is the forgiveness of the payroll tax holiday through the end of this year. For those making $100,000 you would not have to repay those payroll taxes if he's reelected. He's not talking about in any way shape before making the making it permanent. But if he does, like it has been discussed before their bond issues. There are different ways to fund Social Security. And by the way, let's flash back to a different president in a different time in the morning drive show Flashback machine here is very Obama about the payroll tax that Spike feels like a tax hike. Coming right out of your pockets. That's part of the reason that we passed. Payroll tax cut at the beginning of this year, so that the average American would get an extra $40 in every paycheck to help offset Price of Democrats lived it. Then Pelosi praised it to the high heavens. The media thought this guy was a genius. He walked on water Hayward to come up with an idea like that. You know when the democrats doing I got a phone, I got a pen. I got got all this media coverage. It's a great idea. President Trump knows it, and the end of the world is near. Well, of course, that's because orange man, dad, Shawn, I thought you knew that I do. I just want to point out their hypocrisy is like a phone call Jonathan Jones. All John. Good morning. Good morning. Great shells. Always. I had a friend of mine who works at the Post office told me the changes that were made was When a person goes out there. Mom. If they have anything left on their truck, they carry it over after they do their ship. There was a time where they had to take and and, you know, do everything and get overtime. Time out his interrupted for eight days. Did they have the male left over in the truck? For eight days? I've had listeners told me they have not had any local mail delivery in eight days and I and I'm a person who has got mail for about three or four days myself. But that's Nobody said the other thing was that the ones that are done early. We're supposed to go healthy carriers that they're still out there, and now they're told that they're done early to say one over time. That they come in. Well, they're being John. Thanks for that. They're being we're being told the Sun paper article. It's staffing shortages, pandemic and vacations. Sorry. That's a bad manager. If you can't properly staff the shift to deliver mail, then you ought to be fired. Because that's the way it's done in the world. There's accountability and there's no accountability. There are consequences, and we see the consequences in Chicago. I'm not having a police presence of allowing people to riot and set people on fire and loot. On again and they're calling it reparations. That's what Bella Mink is calling it in Chicago. That's reparation. But this is what happens when you don't have any accountability. People just okay, so I don't deliver the mail today. I'll do it tomorrow. Oh, I didn't get to get to it. Today. I'll do it fine. It'll get there sometime this year. Amazing. Wayne isn't Timonium Wayne. Good morning. How are you doing? Just listen to the last caller and Um, I guess I'm just going to kind of back it up. But I heard the report earlier. And you know, kind of like you were so suddenly, but I can tell you it's going on for years. Just been getting a little worse every time. I've had Even certified mail gets screwed up big time and the accountability You know, you pay the money to get certified, and it doesn't get there. It'll take you. Months to get the money back. And with all this documentation, but suddenly it all inside. I can tell you I work for a nursing home in the attitude of Many of these workers, particularly when the primary Carrier. You know the usual guy when they substitute carrier in then They don't like complying with getting the temperature taken or question, depending where they just refused to the delivery. Then we've got to call off the personal sister. Takes days for us to dig straight down. You said, you're saying that it's been declining for years, and I think it depends on your service..
What a Trump Payroll Tax Deferral Would Actually Mean for Your Wallet
"Going to defer a federal tax withholding. It's a payroll tax holiday, meaning that you'll get a chance to take home more money per paycheck on a temporary basis. Now that is about on average $100 a month for an individual worker, and that is great for people on payroll for the 30 million people unemployed that does nothing for them at all. But for pay people on payroll, you'll be able to take about $100 a month home with you extra. And that as president Trump made very clear on Saturday. Is alone that they'll have a chance to either have to pay back or not pay back. And this is the part. That was interesting. As the president put it. It all depends on how you vote for me. If you both me and you re elect me. I will look at this again after the first of the year and make a decision on whether or not I wanna wave your need to pay back this lump. I might also decide that you'll have to pay back this loan or We may just decide to keep going with the withholding, and by the way that withholding that we're talking about is something that goes into Social Security and Medicare. So that's got some people concerned here. But at the end of the day constitutionally, and this is where the question comes into play both sides of the aisle agree the White House kit. Forgive taxes without congressional approval. You need to get approval from Congress on that. And the president hasn't done that. So that's one of those things were Senator Ben Passes. This is unconstitutional Slop. You heard Nancy Pelosi reiterate that and then,
Fresh update on "medicare" discussed on Democracy Now! Audio
"But we need to remember that this is a pandemic which is still raging wildly throughout America and the problem is that if you have an uncontrolled pandemic, not only do of Ma, massive community spread, which is a problem if you open schools in those communes east but rare events then become hugely problematic. If you have millions of people being infected something that only happens to one sent, them is still going to affect huge swath of the population. So the fact that something is relatively read doesn't make it safe in the context off a pandemic that is raging out of control, which is exactly what we are still seeing. And I wanted to ask you in your article for the Atlantic how the pandemic defeated America you also look into the role of social media platforms in spreading disinformation misinformation to the American public and you write quote the the same social media platforms that sold partisanship and transfer misinformation during the two thousand fourteen of Bola outbreak in Africa and the two thousand sixteen US election became vectors for conspiracy theories during the too many twenty pandemic. Could you expound on that? We know that. Things platforms like facebook twitter YouTube. Spread misinformation more quickly than they do information, and that's because they're governed by algorithms that are designed to keep uses engaged to keep their attention on the site, and they do that by feeding them content that vase towards extreme. withdrew its being very polarized. And? That stokes heavy emotion regardless of whether that content is true. Whether it is dangerous or not. And these problems have been well recognized. This is the the coal theme Atlantic piece that all of our problems in this damage world predictable and preventable people were talking about social media platforms acting as radicalization engines, and that is exactly what we're seeing. Now they spread misinformation and they contribute to this vortex of fair and uncertain team which people are trapped. So we all we all worried we are all concerned for our families, our friends. and. We feel that we saved that worry looking for more information but we are looking for that information on channels that feed this. Falsehoods that fetus polarizing information and so that just worsens the feelings of fear anxiety which causes to seek out even more information which worsens the problem and it just it spirals that is exactly what we're seeing now in this pandemic and it's contributing to to the problems that were experiencing when you talk about a nontechnical fix I, mean in terms of, for example, a vaccine that we have to focus on now, what many countries have gotten under control The coronavirus pandemic through masks through testing and both cases something it's not just that the president has not invoked to the defense production act to the level of just ensuring everyone has it in many places. It's getting four worse but I wanted to go to the issue of Medicare for all ED with moving into the Democratic National Convention next week and the Executive Committee of the. Writing the platform press Joe Biden has made it very clear. He's against Medicare for all amazingly in the latest vote on the platform against Medicare for all how significant do you think do you think this pandemic and it's a disparate effects on the population of this country especially, communities of color do you think that Medicare for all would make an enormous difference in how it's possible that the opposing party is saying absolutely not at this point when many polls show it is the most popular answer. To the health crisis, we have in this country. America's system of.
Trump allows some unemployment pay, defers payroll tax
"Payroll tax cuts because they're they're coming. Starting September 1st, we're gonna have payroll tax cuts. September, October, November December. From executive order Technically Executive memorandum from the president. In addition to student loans being continued to be deferred eviction memory, our moratorium extended And then the extra $400 per week of unemployment benefits again. Executive order from President Trump Now how did the payroll tax Cuts work. Granted, you've gotta be working to get a payroll tax cuts, so this does not help the unemployed, But it's going to put more money into people's pockets and you do some math here so first off a couple thoughts. This is brand new, so people are trying to still try to figure it out. But from what we understand this is about what this thing is gonna look like September 1st until the end of the year. If you're making less for $4000 or less. In any two week period. That's of any bi weekly period. So it's equivalent of this of this impacts anybody that's making about two grand a week or $140,000 per year or less. Or less. And it seems as though this is going to be determined by your bi weekly pay period. You would be in this group that's going to get a payroll tax cut. Remember the payroll tax cut his FICA and Medicare. You put them both. Together. It's 7.65% so let's do some math. Here again. If you're in this camp, $104,000 or a year or less. Or $4000 or less in a bi weekly pay period, which sounds like the more important calculation here. It's not your annual number, but it sounds like it's a pay period numbers how they're gonna look at this. If you're gonna take 7.5% off of that, which is the employee portion of this That's about 306 bucks a box for every two weeks ago at the Max. So if you're making right at the 4000 levels, said Boyd, 65% is $306 for a two week period and then times to turn up months. I look at this monthly It's about 612 bucks a month. That's really money. Of 600 bucks a month for the next four months. September, October, November, December. That's about $2500 a year. Money that's just directly in your pocket that you wouldn't otherwise have. You're collecting Mohr out of your paycheck, because less is going Teo and medical lessons going federal government
Fresh update on "medicare" discussed on WBBM Morning News
"Come to an agreement on another relief package to support about 30 million unemployed Americans as a battle with the health crisis is far from over. With US cases for passing five million last week with the business now 23 53 also in the noon business. Our live through the CIA meal and Walter NewsRadio, 7 80 in 105.9. FM traffics lesson perfectly complete update of traffic and weather Next. It's a 25. I'm enrolling in Medicare soon.
Trump signs measures to boost economic aid but could face challenges
"Has signed for executive actions to provide economic relief to those hurt by the Corona virus pandemic. NPR's Tamara Keith. Reports of president made the move in the absence of a deal with Congress to pass a new Corona virus aid package. Trump signed a memorandum to extend enhanced unemployment benefits through the end of the year. Though it was previously a $600 weekly benefit. Trump is cutting it down to 400 He's also directing the Treasury secretary to defer some payroll tax collection through the end of the year, and Trump suggested the deferred taxes may never have to be paid if he wins reelection. If I'm victorious in November 3rd, I plan to forgive these taxes and make permanent cuts. To the payroll tax. I'm going to make them all permanent. When Trump previously floated this idea, Democrats and Republicans in Congress rejected it because these taxes fund Medicare and Social Security and there are already concerns about their long term solvency. Tamara
Fresh "Medicare" from Retire with Integrity with Brian Bowen
"Lease and lots of just like trimmings like storm creamed everything. There were wind dust of nearly 100 miles an hour recorded in some areas of the Midwest and people were trapped in cars and buildings. The secret service out with more information about what led to President Trump being rushed out of a briefing yesterday, they say, a 51 year old man approached the uniformed officer near the White House and told him he had a weapon. The suspect ran towards the officer who shot the man who's now in critical condition. This is US radio news. This is good news. Maybe exactly when you need it, Tio Right now, Medicare is waving their new member fees. This could save.
Trump signs measures to boost economic aid but could face challenges
"Snyder. President Trump has signed for executive actions to provide economic relief to those hurt by the krone. Virus pandemic. NPR's Tamara Keith. Reports of president made the move in the absence of a deal with Congress to pass a new Corona virus aid package. Trump signed a memorandum to extend enhanced unemployment benefits through the end of the year. Though it was previously a $600 weekly benefit. Trump is cutting it down to 400 He's also directing the Treasury secretary to defer some payroll tax collection through the end of the year, and Trump suggested the deferred taxes may never have to be paid if he wins reelection. If I'm victorious in November 3rd, I plan to forgive these taxes and make permanent cuts. To the payroll tax. I'm going to make them all permanent. When term previously floated this idea, Democrats and Republicans in Congress rejected it because these taxes fund Medicare and Social Security and there are already concerns about their long term
Fresh "Medicare" from Atlanta's Morning News
"Out of 72 Lawrenceville, 70 71 on Peachtree Street. I'm meteorologist Kirk Knowledge. 95.5 WSB. Thanks 7 14 Back in the morning, Dr. Mark McKay just got a good look at the utility work going on in front of people Hospital here in northwest Atlanta. If you're OK, rolling out of town headed toward bucket trying to make that left to call your road. You're with everybody else trying to go north bound a turn lane and approving A big street, north and south down, shut down and had called your road think they're really stacking up. If you're heading into and out of bucket by a service Street is going to be a better band. This sporting traffic trippers and jam camp showing of the crash. Incoming Highway 28 Georgia 400 You cannot exit on the border North. I wait 20 westbound that whole intersection getting all jacked up camp forming as well. Athlete on the perimeter. Up to three left lanes are blocked on the inter loop to 85. Westbound before Riverdale Road Traffic brought to you by the Georgia Lottery. A $1 million mega millions ticket recently purchased online in G A lottery. Dotcom play mega million's Today with jackpots, starting a $20 million only from the Georgia Lottery. Triple team traffic 95.5 WSB. I'm enrolling in Medicare soon and it had me a little confused. Then I found my health policy dot com. With my health policy dot com I could go online and compare Medicare advantage plans.
Trump allows some unemployment pay, defers payroll tax
"The president basically did several things with the executive order one is that he suspended. The requirement for workers to pay the payroll tax. So the employers still have to pay their portion, which of course, comes from their workers, but the workers no longer have to pay their portion of payroll tax, which supposedly goes to both social security and Medicare, and so the suspension lasts all the way through the end of the year. So obviously pass the election and to the end of this calendar year the president has no authority to do this, but he is doing it anyway. Now of course, the other problem is going to be that this is a suspension. So in theory the. Money is going to be owed. So the Americans who are now going to get a raise in pay. have extra money. They're obviously gonNA, spend that money, right they're not going to be setting it aside. In fact, the goal is to get them to spend it right president trump wants Americans to spend that money. He wants to artificially goose the economy with some Keynesian pump priming. So he wants Americans to take that money and spend it well then how are they gonNA pay? Come. January of two, thousand and twenty one. How are they going to pay back all of the unemployment taxes that they still owe
A New Confidentiality Law
"Last. Week the substance abuse and Mental Health Services Administration Samsa made a bold move that changes how privacy laws apply to people seeking treatment for substance use disorders. Providers can now release information about substance abuse to covered entities just like they can't under hip law without the patient signed consent. In the past, we were only allowed to do this if there is a medical emergency where life and death rates steak but Samsa now says, we can do this. If there's a natural disaster like a hurricane that disrupts the treatment care coordination and they count covid nineteen as a natural disaster. I realize it might come as a surprise some of our listeners that until now, they weren't legally allowed to discuss details of substance use treatment with other providers when hip laws allowed them to do so for almost twenty years. But yes, the government has kept this legal stumbling block in place hoping that safeguarding privacy in this way would encourage people to seek treatment for substance use disorders. Now technically that law has only applied to so called part two providers. But if you read the law carefully, that's almost every psychiatrist if you advertise or otherwise announced that you treat addictions and accept any form of federal support including Medicare payments, then you are under part to. If you're not on Medicare you may still qualify as part two because simply using your federal da licensed to prescribe controlled substances to people with a substance. Use Disorder puts you under part two, and if you've done it for one patient, you've done it for all in the government size. So one prescription from a Daffodil to prevent cocaine abuse or pre gabbling to help someone stay off alcohol and you're in. And you can imagine how many problems that causes during the current opioid epidemic when recalled on frequently say from pain doctors wanting to check on patients mental health history before prescribing an opioid. Until this recent change, we would not be able to break confidentiality in those situations unless there's an active life threatening medical emergency, not a potential medical emergency as there would be with someone who has a history of heroin abuse or someone who's getting benzoate off the Internet and is now going to be prescribed an opioid. For example, the law states that we can release information about anti-addiction meds were prescribing. Let's say Naltrexone or anti-abuse only if those meds are causing life threatening drug interaction, not if the MED might cause a potential drug interaction, which means I guess we'd have to wait until our patient is almost suffocating before telling the medical team that they take benzodiazepines on top of the opioids they were given. So this law has been in need of a big tuneup and this is just the first step. The government has declared that the OPIOID crisis is a national emergency but not a natural disaster. So it doesn't dissolve the stamps show restrictions like the covid nineteen crisis does but that's something they plan to revisit next year and we look forward to further amendments to this law. That's the big change and there's others you can find out on the SAMSA website. For example, it used to be that if a patient with substance use disorder texted you on your cellphone, you had to physically destroy your cellphone. Now, you can just delete the message. But I, warn you. That website suffers from a lack of precision. For example, the original law says that we are covered as part two entities just by prescribing controlled substances to people with a substance use disorder. In last week's press announcement, the government said that we are covered if we dispense controlled substances. There's a big difference between prescribing and dispensing. But for me, I'd have to go by the original writing of the law, not the press release.
"medicare" Discussed on Medicare for All
"You like hundreds of dollars thousands of dollars and he's like if that happens, call me again and we'll find a work around for this. And then he told me that culture scene is actually thousands of years old. I looked it up. There's documents from fifteen hundred BC ancient Egyptian hieroglyph, the earliest medical tax. We have mentioned culture. It just comes from this flower and it was used to treat gout going back for centuries and centuries. It's like one of the earliest human medications, but only in recent times the FBI allowed it to be patented for exclusive rights in two thousand nine. It was being distributed as a generic drug for decades in the United States. It was like ten cents a pill, and then in two thousand nine FDA gave exclusive rights to this. You're L. Pharmacy and they jacked up the price of five dollars a pill I. Don't know how much of an increase it is from ten cents. But it's thousands of percent increase, and they drove all of the generic manufacturers out of the market, and so they they can charge whatever they want, and it's been hard for generics to get back in. So this is something that like Aristotle, and Christ might have taken for their medication, and now we cannot access it because of fucking farm Bros., buying up you. You know getting basically monopoly rights to these years and years old medication so apologies for that but I was just so pissed off that I might have trouble. You know using this one of the most ancient medications ever from a flower I should just grow the flower in my backyard and chew on it if I need it or something. That may not be recommended by Dr. Rant over I apologize for that. Stephanie. Do you want to introduce our guest? Yeah I think also that is just so. Unfortunate that structures built to protect us like you know. The FDA are actually end up being vehicles for corporations to take advantage of us various ways so on that bombshell. Let's. Let me, introduce our guest. Who is again? Mark Duds is the national coordinator of the Labor Campaign for single payer. So he was on. If you remember last episode, Talk About what Medicare for all would look like for union workers and all workers, and how the Labor movement is, or isn't involved in some cases in Medicare for all organizing, and we had a great conversation, and we just had so many leftover questions, so we're bringing them on again mark. Thank you so much for being here. We're going to do a deep dive on the recent history of the Medicare, for all social movement from a man mark wants to go way back all the way from the forties to the present day so so looking forward to talking with you today. Well, it's great to be back. Stephanie Ben Sorry about that Glad you experiencing the the massive innovation that our system sparks in. Pharmaceutical industry this is. Exactly, as it was intended to do the market competition, sparking new innovative methods of A. Ripping off. The consumer when they need needed the most so logjam, welcome welcome to healthcare in America twenty twenty. So so. I'm sure that price hike is GONNA pay for the RND so. For. Another part of Family remedy that they can now can maybe I can't. Be. Next, in the you know. The next way. To put back on the on the pet wagon, so innovation is such a wonderful thing. So when you asked me to come back on and talk about it in the more historic way,.
July Mailbag with Jason Moser
"The. Multiple answers I'm out Southwick and I'm joined, is always by broke camp. Personal Finance expert here at the Motley Fool. Hey, BRO, well! Hello Alison. It's the July mailbag where we answer your questions and this month it's with the help of multiple analyst Jason Moser. Should you buy a house now? What is modern portfolio theory and also here Jason's thoughts on a lot of stocks all that and more on this week's episode of Molly fully answers. Jason thanks coming back. you know I mean i. told you you invite me. I'M GONNA. Be here every single time. Thanks for having me back. I mean we appreciate it because we know you're a busy man, and so we do appreciate that you carve out time for us in our little show, don't. Always always make time for those important people in my life rule number one make time for allison and Bro I love. It sounds like a good one to me. Everybody wins. All right well, I guess we should just get into it, so the first question comes from Darren I've subscribed to the full for over a year and I'm really pleased with the service. I would like to know your thoughts about my holdings in Shop Affi- I've bought several times over the last three years, and it's now over thirty five percent of my portfolio and I. Don't know if I should continue holding or trimmed down. What would you advise a good problem to have I was gonna say that exact same thing? That's a good problem have? In a very glad, you have subscribed to our services in your really pleased. That's that's what we aim to to do. We aim to please help you make money and so yeah. This is one of those situations that we will find ourselves in from time to time as investors. A nice problem to have but something you do need to address at some point because it is going to be a little bit different for everybody. In so coming from the perspective of I, also own shop, a Fi stock in it's it's a wonderful investment. It certainly is taking up a bigger. Part of my portfolio a not at thirty five percent where you are. I think for me. It really does boil down to. That sleeping at night test in other words, you need to be able to go to sleep at night without worrying about this kind of stuff, and if you feel like shop, a Fi represents too much. Of your portfolio if you feel like you're overly allocated their, then, you may need to consider pulling it back a little, but now I mean it's. It's I think it's always important. Note you know. It's a big difference between building up a position buying a position to make this size to make this type of allocation in your portfolio. It's another thing entirely to have position grow into beat into becoming that size i. mean that that is that is in a little bit of a different dynamic there, so people all the different ways, some sometimes folks will, they will just sort of looking at it from the house money, concept or you. You just sell enough shares to recoup your initial investment, and then you let the rest of it go. Some people are perfectly fine with thirty five percent. Some people are not. They want a pair back so i. do think you need to kind of figure out what helps you sleep at night I do think that shop by a great business. I think the biggest risk in only shop, if I right now is valuation, just because it's dominating, it's space, but it's not making any money yet, and it's probably going to be a little while until they do so that valuation risk is there, but ultimately yeah I think determine. Where you feel most comfortable with it, and if you feel like you need to put a little bit of that money off the table, and he thirty five percents a lot, certainly very understandable. If they've said something you need to do if you do decide to pair it back a little bit. You've made multiple purchases, so you can identify the shares to sell to manage the tax consequence if this isn't a brokerage account and not an IRA. All right next question comes from Steven. If you are forced into unemployment, you are paying federal income taxes on unemployment payments are not contributing to social security nor to Medicare. How does this affect your future calculation of social security benefits and can one contribute to the social security fund during unemployment to mitigate any adverse effects on benefits, it is a little bit adding insult to injury, but you do owe federal income taxes on your unemployment benefits, and if your state charges has a state income tax, you probably have to pay state tax on that, although there are a handful of states that exempt unemployment benefits, so that's good news. And by the way you, you could have taxes withheld from your unemployment benefits you file. This form called form w four V. if you want, they withhold ten percent, or you can do quarterly estimated payments if you wanNA avoid that big tax bill at the end of the year, but if you're strapped for cash is probably just better to get the money now worried about your taxes later Eh. Stephen notes out. You do not pay payroll taxes. Those are the things that go into social security and Medicare so. So. It could result in a lower social security benefit, however, keep in mind that social security is based on your thirty five highest earning years, so if you enter the workforce at say twenty two and you work until you're mid to late sixties. That's more than forty years where the working so hopefully. If you miss out, if this year is not so good somewhere among those other forty, five or so years, you've had thirty five really good year so that this year won't be that big of a deal. So it probably will be okay. And then to address the last question. Unfortunately, no, you cannot make voluntary contributions to social security. There is at least one academic working paper out there. That suggested that people could buy into social security by like extra credits as opposed to contributing to your 401k, but so far that has not been passed by Congress I had an ex. Question comes from Sam. I heard to stocks discussed on another full podcast. When I read articles about them, it mentions they are thinly traded. I have two questions one I'm sure my position would still be quite small so I think I'd still be able to get in and out, but are there other things I should think about when it's a thinly traded stock and question number two. Is there a certain amount of? Daily volume you like to look for when considering a stock foreign investment. What volume do you want to see to not be? Quote thinly traded stock. Yes very good question in thinly traded stock just refers to the either the amount of shares or the dollar volume of shares that would trade on any given. Market Day and so. The. Thinly traded stock. The the problem is that you may not necessarily able to buy and or sell at the prices. You necessarily think you might be able to in other words when you look at a stock's price and you're looking through the. What what's going on throughout the day on the market, you'll see that did ask spread, which is essentially the bid. Ask spread is it's what someone's willing to pay for the stock versus what someone is asking to be paid for the stock? Because you know you have a buyer and a seller on on in every transaction they're. Normally most cases, these business business bread is very tiny, the couple of pennies maybe for most stocks because they're. They're heavily traded right there. There are plenty of dollar volume. But there are a lot of smaller companies small caps in particular in in you know a micro cap, specifically that don't necessarily meet these kinds of thresholds, and so you definitely have to be aware of that now I'll go back in time just a little bit, too. When we were running the service here at the fool called million dollar portfolios Roman Romani portfolio that we help manage members, and it was never really a problem, but we did have a condition in there. We were always looking for at least ten million dollars in average. Trading volume total daily volume now understand I'm not saying the number of shares saying the amount of money so basically shares times price, but we're always looking for at least ten million dollars. That wasn't set in stone it. It was an idea for us. It wasn't ever really a problem because we had a very diversified portfolio with a number of different types of companies, but when you're looking for smaller companies, you would've just keep that in mind that did ask. Spread is is something that just because it says the stock is twenty dollars. That doesn't necessarily mean you'll pay twenty dollars if there is a a big spread there between the bid, and the ask in so I think whenever you're considering stocks that have any lighter trading volume or thinly traded stock. Just be sure to use limit orders. Limit Orders of let us stipulate the price that you are willing to pay for or that you're willing to. To accept a if you're selling a limit, order is just a really good way to protect yourself from any unwanted surprise thinly traded stocks. You might not always necessarily get them when you want them, so you might have to lead that limited are in there for a little while, but but a limit order is a great way to protect you from any unwanted surprises. Next question comes from Randall. I'm in my late thirties now, but earlier in my life. I was very very bad with my money. Collection Calls Welfare and bankruptcy or not strangers to me. I've been at the bottom then I met the love of my life, and she convinced me to turn things around ten, and a half years later and I have done a complete one eighty, I took control of our finances rebuilt my credit and started investing and listening to all you find folks all. I opened it investing account with the goal of saving and building enough a down payment on a home. I'm happy to say we've now reached that goal. I recently sold at a profit because I didn't want that. Money tied up in the market. If we are close to needing it for a house, but now that we're here, I'm not sure what to do. We currently rent a basement apartment and our neighbors general living situation are less than ideal to put it mildly. So, we're champing at the bit to jump into the housing market that being said the experts have been calling for a drop in the housing market for a while, and that was before the pandemic hit now I'm worried that if we buy right away a year or two or three from now, interest rates will spike, and we could be put in a difficult situation. I live near Toronto. Canada or the housing market is already highly inflated in relation to the rest of the country should I be worried? While Randall first of all congrats on turning your financial life around love hearing success stories like that so good job on that. So I'll start with my standard answer with the rent versus buy decision, and that is just pull up spreadsheet and compare the all in cost of renting, including what you could earn on the money that use for down payment versus the all in cost of buying including the opportunity cost of putting down payment as opposed to having invested as well as insurance and taxes and maintenance, and all that stuff and project, where you might be in five to ten years based on various scenarios on what happens to stocks, if you. Rent an invest the down payment versus what happens to? What you'd look like depending on where home prices go. Generally speaking. If mortgage rates go up, that could way down on real estate prices we did see mortgage rates. Go Up for a bit a few years ago, but the housing market did find, but you could certainly envision a scenario where rates went much much higher, making houses, much less affordable and prices would have to adjust. But I don't expect that to happen anytime soon. I think we're. GonNa have low rates for awhile, but beyond that I don't know I've given up trying to predict where interest rates are going or even paying attention to people who try to predict where interest rates are going, so who knows? That said since you live in Canada. I thought I'd check. In where rates are these days and I and I got a brief reminder that things are actually different in Canada so I did a little bit of research. And then realize I had reach out to someone who knows, I reached out to Canadian Motley fool analysts Jim Gillies, and he had some thoughts so first of all just for you non-canadians out there. It is really different so in America. We get this thirty year mortgage than we have the same payment for thirty years. It's fixed. They don't have that in Canada. What's the most common is a twenty five year? But only the first few years or fixed. And then adjusts so in that context you can understand why Randall is worried about interest rates going up because over the next depending on which alone he gets the most popular is a five year fixed, and then you basically have to go get a new loan probably. So that put that in context, a little more, but also Toronto, really is crazy expensive. Vs from the end of last year that put it as the most overvalued real estate market in the world behind Munich. As Jim pointed out in our call here in the US we had our housing peak in two, thousand, six, two, thousand seven, and then we had what he called a reset, which is basically prices came down significantly candidate and have that slight downturn at home prices, but then they just kept on going up, so it really is different there, so when Jim explain all this to me, the difference in mortgages and the difference in home prices. Frankly he was inclined to say to this guy. You Might WanNa rent for while more and see what happens, but he also had the good advice of okay. What if you buy in prices? Come Down Fifteen percent twenty percent. What if they come down to a point where he upside down? You owe more than the home is worth. Are you okay with that? If. You're okay with that. Maybe it's okay to do that. But it certainly sounds like dicey situation than if someone were telling me like I'm thinking of do this in Dubuque Iowa or something like that. couple of other differences. In case you're curious about Canada in the US. Your mortgage is portable in Canada south. You Buy A. Get the five year mortgage, but then move get to take the mortgage with you for the next house and interest is not tax deductible. US Look at you, Robert, broke? Camp Can Canadian real estate experts there you go. Next! Question comes from Chris. I was on twitter the other day and saw that one of your contributors Brian Feroldi tweeted that he doesn't believe in a long list of technical trading terms and then modern portfolio theory. Can you help me understand what not believing an MP? T with mean this? He believed that diversification doesn't reduce risk. Also every financial adviser I've ever talked to his preached empty, so I would love to hear the counterargument. Jason you're not Brian for all the. Question I am not Brian for all the do get the talk of Brian Pretty good bit though. I I must admit I. Don't know what he said here in regard to modern portfolio theory and all of these technical trading arms. But I think I can take a guess. Generally speaking I agree with them, and I think you could sit there and look up the portfolio theory in you know read about it as much as you want. Just go to google modern portfolio theory, and you can dig right in there, but in a nutshell ultimately, what modern portfolio theory is the intention behind it? It's meant to reduce risk while maximizing returns. It assumes that investors don't like risk. They prefer less risky portfolios to riskier ones in order to achieve a certain level of return so right there. I kind of kind of lost me right there because I don't believe that every ever investors risk averse I think some investors have a very. Healthy, appetite for risk, and frankly I would say I got a pretty high tolerance for risk when it comes to investing, made it just because of what I do for a living but I. You know to me I like having that trade off least unhappy. Happy to take some risks there. If I feel like that upside, it's going to be potentially worth. So with modern portfolio theory, it introduces a lot of fancy math in the form of variances and correlations in order to come up with this. Quantifiable, investing strategy that ultimately helps reduce risk while allowing the investor to achieve. Certain returns in. Maybe it works for some not I'm not dismissing it personally I. Don't use it, I don't personally subscribe to it I. Don't need it. I think honestly for us. In a really believe it's extends to to most people in our full universe is that is individual investors I think a more meaningful way to reduce risk. is to just extend your timeline like invest longer. So like Tom Gardner said a number of years back when we were. Working on Motley, fool one basically take your take the time line that you think you want to own any individual stocks you buy shares of starbucks and I plan on owning it for you know five years. Okay, we'll just double it. Cloning it for ten in all of a sudden right there. You've given yourself more time. Time is one of the big advantages we have is individual investors. Money managers don't have that advantage, Wall Street done generally handed abandoned, either, but if you can be patient and just invest in good businesses. That risk really starts to come down over time. There are plenty of studies out there. That show that risk comes down the longer you hold onto those stocks, which into me, just renders modern portfolio, theory, more or less not useful mean on things, not useful for everybody, but it's not useful for me and based on Chris. Question It sounds like a agree with what Brian was saying there. We think I'll add to. That is I agree that risk is really not that much of a consideration if you are saving for retirement. But once you are in retirement man, and just say like you know what the market's not I'm going to extend my time highs in ten years. Because you need to spend money in that situation, I think diversification is important. It's important to have assets that don't always move the same direction at the same time. For some fools. That's just as simple as keeping any money need the next five years in cash, so you're right out any ups and downs, and that can be fine. But I. do think it makes sense to have. A mix of investment so that right now, technology stocks are doing very well, and we hope that continues to do well, but we remember was that happened in two thousand from two thousand to two, and there were down for quite a while anyone who retired in one, thousand, nine, hundred nine, or so it was very happy to have some small caps value maybe a. A little international, some reits to ride out the storm Yeah I think we talk about that often like recognizing where you are as an investor in life, are you in the grow your wealth stage, or are you in the protector stage, because they are two very different strategies, and we're all hopefully going to be in both of them at one point or another right? I personally and still on the grow your wealth stage I. Think we all probably are, but you will at some point get to where you need to focus on protecting the wealth that you've made so that you can then have that money to spend, and that definitely will dictate your investment strategy things that you're invested in and whatnot. Generally speaking I do like the idea for people who are just risk averse and have this notion that investing is just too risky. I mean the fact of the matter is not investing as far away greater risk like not investing. You will never grow your money if you don't the best, so if if if risk is a problem, I think generally speaking. Along the lines of diversification idea that that bros. talking about him, he just invest in invest in SNP index fund is something that just follows the progress and p. you know you're going to be participating in and if you look at that over the over the stretch of time, their five ten twenty thirty years, I mean that trend does go one way. It, but clearly the older you get, the more you need to start focusing on protecting your wealth, and that will change the way you view things. Right next question comes from Alex from Alexandria if I buy Muny bonds from another state in my IRA. Is it still taxable and Alexander with who we have a bond on and we do have a bunch. I know Alex up super excited about having a bunch on in Alexandria to I can't believe I haven't been there. It's like two miles from my house, but we still haven't been oh i. know because there's a global pandemic going on and we. saw. Alyx if we buy me bonds from another state in my IRA is still taxable. Bro, help him out or her or so Muny Barnes. People Invest Immunity bonds because they're free of federal taxes and in many cases. If you're buying bonds issued by the place you live, they might be free of state and local taxes, so that can be doubly triply tax free. That's why people buy 'em. There are some times, however that if you own immune, abound outside of an IRA. Pay Taxes and this surprises some people. There's something called the minimum tax. If you buy immunity bond at a discount, and then it matures at par. If you buy a distress, Muny bond for like you put an eight thousand dollars, and you sell it later for ten thousand dollars as a capital gain. You'll be taxed on that. So, there are some times when you would pay taxes on media. Now, Alex is asking what if it's an IRA? Do I have to worry about paying tax interest. If it comes from another state and the answer is no, you won't have to worry about that. The only thing I would say is. Generally speaking immune bond already has built in tax advantages, so you wouldn't keep it in an IRA, unless there's the example of the stuff I was saying previously like for. It's one of those exceptions when him UNIBOND would result in taxes than you might WanNa keep it an IRA, but generally speaking. If you're going to buy Muny Bond, keep it out of an IRA. Next question comes from Boone. I just did my first. Roth conversion and looked at that old account for the first time in. There was the expected dividend producing fund I remembered, but there was a stock chesapeake energy that I had completely forgotten about since I purchased the stock in two thousand, six fifteen. It's down way down like eight point five percent off the purchase price. What should I do with it now? It's in a tax deferred accounts so I. Don't think the loss is realized until I. Start to pull money out of the account and that might not. Not Be for fifteen years current value of all my shares will be about one percent of the value of the account after the conversion. Do I sell in the very little value? I had left and depend on E. Trade to keep up with lost for me or should I hold on based on the slim chance. The stock will be worth more in the next ten years. Oil Stocks do act unusually on occasion, only oil stocks. Stock everything else makes that usually. Chesapeake has been really. Interesting Story to follow and frankly. I don't I. Don't know that I would look at it today. As a business that I'd WANNA own so typically if I. You know I think it was yet idea. Didn't sound like a position are actively building united investment didn't work out. I mean that that happens to all of us. We don't get them all right. We have a philosophy here at the full. A lot of do we like to? Water flowers and pull the weeds, and that's just a nice way of saying. Add to our winners in to get rid of losers in. This I think is more than likely slated to continue being a loser I mean. Chesapeake has lost a lot of value. In it does sound like based on when you purchased this, these is absolutely busted I mean. There there are all sorts of reasons to sell one of them is if you thesis busted and the reason why you invest in the company is is no longer the case, and I would he probably is the case with Chesapeake so to me like you know, you could sit there and let it go, but but what's the goal trying to get back to even, or are you trying to get back a couple of bucks for me a lot of times? I'll I'll take a little opportunity here and there to just go ahead and pull those weeds sell it. Be Done with it. In even though it's just unique out a little bit value there, you can still take that money and do something more productive with it. So. Yeah T to me. I can't tell you to buy or sell obviously, but I can certainly understand. Selling in this case, but I you know. As as oil and natural gas energy can can turn around. This is going to be one that has a lot of headwinds in in. You might be waiting a very long time to to get any of this money back. I point out here that I it seems that maybe boone has a slight misunderstanding of how taxes in aries work because he talked about realizing the loss when he takes the money out and trade keeping track of the loss for him, it sounds to me that he thinks that he can write the loss off whence he takes the money out. That may not be the case, but just to be clear. One of the great benefits of an IRA is you don't pay taxes on the gains, interest and dividends from year to year. But. One of the drawbacks is. You can't take a capital loss on that as well so there's really no no way to benefit on your tax return from this loss. Next question comes from Benjamin. You recommend seeing a fee. Only financial adviser for check in every so often I know there is the Garrett planning network and others to help find an advisor. But what questions do you ask? And what answers do you listen for when trying to find one that is worth his or her one hundred fifty to two hundred fifty per hour. So I would say start first with asking yourself some questions. What are you looking for? You could go for the whole launch. Lada where someone is managing your money analyzing retirement plan helping new save and a five twenty nine. Maybe even doing your taxes with some financial planners do help with the state planning, or are you looking for something more targeted? You just want advice about am I saving enough for retirement, or are you close to retirement? You're like I just WanNa make sure that I'm doing right when terms like choosing my Medicare plan and claiming social security at the right time, so first of all just be very clear of what you're looking for. Then if it involves investments in any way, you WanNa, make sure that you find someone who is at least in the general same area philosophically and I say this, because many financial planners are hardcore index. And if you come to them as a motley fool, listener member with a lot of individual stocks. They may say okay. I'll give you some general asset allocation guidance, or they'll say I don't care if you like to pick. Stocks are not my advises, sell the stocks and go to index funds, so you want to make sure that if you're gonNA, ask for any sort of investment. Advice that you wanna find someone who's someone somewhat at least aligned for what you're looking for. Once, you've got that then. Just asked some of the typical stuff. You might expect so credentials certified financial planner. Are they a CPA either their personal financial specialist. How long they've been in the business. There are lots of people who. have not been in the business very long. Even though they're not young people, a lot of people choose financial planning as a second career, which I think is great, but just because someone may be look like they're in their forties or fifties. Sixties doesn't mean they've been in the business that long, and you WANNA. See if they've worked with someone like you right so if you have. Maybe. You have a large amount of wealth large income huge portfolio. You WanNa make sure that they have experienced with dealing with those issues, but on the flip side to if if you have, are you know middle income, decent size portfolio, but nothing too complicated. You don't WanNa. Go to someone who's used to dealing with someone who's wealthier partially because those people charge a lot more. You want to find someone who's kind of a little more lined up with what you're doing. Then make appointments with three folks. All of them will do get do free. Get acquainted means, and you're just looking for someone who you feel comfortable with. Since, you mentioned Garrett Big Fan of the Gary Planning Network and other is is not for the National Association of Personal Financial Advisers. But Garrett on their website has a how to choose an adviser section. Just Google attitude visor Garrett Planet Network has a great chapter from a dummies book that they wrote about how to choose adviser, and they have a good questionnaire that you can print out in US asking lots of good questions of financial planner. It's tough. Choosing a financial planner like my mom just went through that Bro! Is You know and she didn't really have a lot of options in Boise Idaho. Maybe two and one of them, she I never called her back, and never got back her, and the other one was just so busy just so busy, and just she just never. It's it can be rough. Finding a financial planner can be I. Think what we'll see is one of the consequences of this. Of the coronavirus pandemic. Just, like we are all used to working from home, many financial advisors and financial planners an now working from home. So in what they're doing is they're becoming licensed in more states. So, if you are more comfortable, working with someone over zoom remotely I think you don't have to stick with someone in your area. You can go beyond your locations, but you know some people don't feel comfortable that if if they're going to have someone managing their life savings, they want to be able to meet them in person. That's just a personal choice. All right next question comes from twitter. Is that right from sully what I hear? Okay? I just listened to the episode mentioning Your Weakness Two. Shopping carts and Tj, Maxx that me or you Jason. Accused me. Thoughts on the stock. If I had a war on Amazon, basket would be Costco TJ maxx Home Depot tractor supply. What would be your basket against online retail? That's funny. Well okay, listen I wouldn't have basket against online retail, because online retails where it's at. The whole idea. The whole idea behind the basket approaches to find a long term trend that you feel like the world is headed toward and so the war on cash basket, for example that was always one about people using cash war, traffic payments now with that said I get the spirit of the question some going to answer it because I do like some of these ideas. And I I would definitely include Costco in their in Home Depot's well. Home Depot gets a lot of my money. Doesn't, but they have a very loyal fan base of customers that just are happy to renew year in year out. So I love those membership models there, so costco and a Home Depot for sure you know I'm going to give a little shout at my wife Robin I. Know that she would approve of my adding target to the mixer. She hasn't been raving about targets APP and ordering on the APP the able to go to the store. Just pick it up right there I've talked with Ron Gross on more than one occasion about target and how this really has. Become a twenty first century resale right they're doing. They're doing everything online and in physical stores. What they call Alma Channel and then my fourth and I'm GONNA. Take this. You probably aren't expecting this when Alison. I'm GonNa Shock and all you. I'm ready. I'm ready Alta. We're going. Make up my I know my daughter's love. It ugly ugly Mug like this. What do I know about makeup? Tell you what. Get! A House with two daughters and a wife. That's what I know about make. There's a lot of it in an Ulta is a really really good business. They actually have a very nice diversified revenue stream. They've got the salon a`dynamic of the business which encourages people to go there they do have an online business. They have an augmented reality function there at where you can actually like. Try things on makeup to see how it looks. Mary Dillon just a phenomenal other adults of that's my fourth, their Ulta but they I appreciate the spirit of the question I like the idea I'm not saying this is the basket. I'm not tracking this basket in a not a not backing this basket, but in the spirit of the question if I had to develop. A basket, such as this one I think it'd go with those four. Yeah, I mean I guess you just have to think about what retail out there is something that you would still physically go to. Because the actual retail experience is being in the space is the experience and what you're there for? And I know I mean before Corona virus we I would go to target and just just couldn't believe how much money I had spent from walking through a few of the aisles. TJ Max is just a phenomenal business I mean what they've done through the years. Is really capitalized on the nature of the business, the advantage they have in that treasure hunt kind of nature like you go to TJ Max, maybe not necessarily looking for something, and then you end up finding a lot of things, and it can be a little bit lumping at times, but but generally speaking like management's a very good job of running that business, and they know how to exploit the advantage of experience. I think they're online game. Though I think they could probably get something going with online, and they just have not have not yet and so I. Haven't since Corona Virus for example. I haven't spent a single dollar there, but I continue to still shop at. Home Depot I. Think Yeah! We still shopping at home depot because we're doing. You know you gotta buy lumber somewhere. And I know my grandparents out in my my inlaws out in rural Virginia. They love tractor supply store, but that's not. That's not in where we live, but. Still New deck at the house there allison. I mean you, can you see? A big exposed beam behind me and some drywall work that needs to happen. Have lots of drywall work that needs to happen now though. Yeah Anyway get to that. All right next question comes from Matthew. I got married to my amazing wife nine days ago in a small Kobe nineteen wedding in our front yard after we postponed it from its original date in April all. It was definitely different, but still very special. My question is in relation to this wonderful event. My salary has been at a level that has allowed me to fund a roth. Ira I love the optionality of it, but after marrying my bad ass, wife are combined. Salaries are now over the limit that would allow me to fund the Roth. IRA does this affect occur immediately? Do I need to now open up a traditional. IRA and begin funding it or do I have until the end of the year. Matthew wants a Roth Bachelor party one last. Well Matthew I have bad news. When it comes to most things in taxes, your status and your age and things like that depends on where you are on the last day of the year, said if you're married on the last day of the year, you were considered married for the whole year. So that means if you contributed started contributing to a Roth IRA for twenty twenty. You need to call up your brokerage. Firm and re characterize that as a traditional. Now don't have any other traditional IRA, as it's very easy to do the back door, Ross which we've talked about before you can just google it or even when you call the brokerage, just say I want to do the backdoor. Roth and they'll tell you what to do. If, you have other traditional IRA as you can still do. It just becomes more complicated and you'll probably pay more taxes. So you, but you may not be totally out of luck and I should say that's only if you have a traditional IRA doesn't matter if your wife has traditional areas. One exception by the way of of what I just said. In terms of tax status and last day of the year is distributions from retirement accounts before it's age fifty nine and a half, you actually have to be age fifty nine and a half to avoid that ten percent early distribution penalty, unless some of the many exceptions that are out there exist. Right next question comes from Warren Warren Buffett. Maybe I don't know that's why I was thinking. He's asking about coq, so maybe maybe. Once James Opinion on coke. By? Or hold? Wants to now. I'd give buffet night give. Kiesel Warren of the same advice and I would say. For some I'm not buying it. Not Buying it I'm not holding it if I own it. I guess that means sell it. Even Atlanta Georgia person like you i. feel like it's almost sacrilege. I am pretty close to probably not being ever even invited back. But the facts are the facts. Okay, I mean you do have to look at the stock itself has been ain't bad stockton for the last five years. I mean I do understand why when you look at it what they do, I mean they have. Four hundred master brands, and less than fifty percent of them are the big global brands that are actually responsible for almost all of their revenue when I say almost only ninety eight percent, so it's a business. It's very reliant on on. You know a small portfolio of really successful grants. The problem is now. We've always talked about cocoa beans such a great distribution story and that's true. They've got a distribution network. It's just phenomenal, but the problem is now. They're what they're distributing is is being seen as not so good for you in so you're seeing them. Have it into to essentially pivot away from what you know brought them all of the success for all these years. Years in soda and that that's not going to change I. Mean you're always GonNa have people to drink soda? People are not to drinking as much soda going forward in the numbers of just kind of the kind of shown that through that through the quarters in the years of Coca, Cola and Pepsi Pepsi. Has the salty snacks division, which I've always been very. Impressed by I, mean I love a good Cheeto, and so I mean anytime you can throw a bag of those cheetos in my Patriot Amok GonNa, turn it their coq. Interrupting, but I think this is also very important point. You tried the Jalapeno White Cheddar crunchy cheetos. The White Shit or so. I've tried to Jalapeno ones but I've not seen the white Cheddar White Cheddar Jalapeno crunchy cheetos. Don't get the puffy. The poofy ones are not as good, but the crunchy white Cheddar Jalapeno Cheetahs. them by them. They're amazing. I have to back. Pain you. I'll get those next time. I promise I, mean Eh. One. crunchy wants the puffy ones, so that people won't you're not? You're not seeing poopie. Who using poofy Joe Copy? We'll be Coca doesn't have that dynamic of their business. They don't have that dynamic to their business, and they've suffered from that Pepsi's Pepsi's outperform coca-cola over the last several years. It's not safe. Pepsi or coke get it back. I'm sure they probably can. But what I am saying is I think there are a lot of better ideas out there, and so I wouldn't be putting new money into Coca Cola and frankly if I did own it. I probably would look at selling it and you know if you've got a beverage company, maybe own starbucks. It seems like the science coming out in support of coffee, right? It's coming and telling you that these sodas. They're gonNA. Make you fat. Coffee, it could extend your life. It could help you live longer. SMART Mexican looking this a starbucks as well is. That sounds like study from the copy roasters of America. Do! Something that Chris Hill sent me the other day. that. We sleep at night. I'm glad I've been drinking coffee as long as I have God knows what I would look like otherwise. You're a good looking man. Rick. good-looking next question comes from. A. I'm trying to save money for my kid's College. Fund while the five nine is a great option. I'm limited to investing in mutual funds, which means at best I'm going to get what the market gets assuming I do some sort of low cost index fund and I be a capital F. Fool investor have been doing much better than the market in the last three years of being a member of. Of Stock Advisor Enroll breakers, even during this pandemic mess by listening to every full podcast and following David and Tom's and yours and every one else's in the full universe. My portfolio of about one hundred stocks is up here today. Thirty percent to the market's down five percent as of day as of today weighed down by three sluggish five to nine plants that are also down five percent each. I feel like throwing away money by using the five to nine, and not being allowed to select my own great companies in which to invest. What's more, my understanding is that the five to nine does not count as an asset for the kid when applying for student aid, but the coverdale does. So I come to you with a simple question. Can I have my cake and eat it, too? What if I wanted to use the coverdell to buy individual stocks? Until the child is nearing college? At which point I then converted to a five to nine. This allows me to get better returns and avoid it being an asset for financial aid and get the favorable tax benefit. So, chose this question, because first of all Dune does a good job explaining the benefits of the coverdell over the five twenty nine, you can buy individual stocks. You can buy and sell them all day long. We recommend that, but you can. Whereas with the five twenty nine, you can only make two changes to the investments a year, and it's all mutual funds. So. That's you did a good job of explaining that. I will point out with the coverdell. It's gotta low contribution limit of only two thousand dollars a year, so for some people save more for college, but they can max out to cover it out, but then put the rest in a five twenty nine. One thing that doomed does not have quite right. Is The financial aid treatment the financial aid treatment? Coverdale's and five twenty nine is identical. They're treated as assets of the parent, not the kid that is favourable from a financial aid perspective. It's not negligible doesn't mean it doesn't have any effect on financial aid, but it's better than an asset that is owned. By the kid. He can. Transfer money from the Coverdell to the five twenty nine. If for some reason, he decides to do that, but you can't transfer it. The other way around so were convinced to try out the covered. You have money in a five twenty nine. You can't move it from the five twenty nine. To the coverdale. What other interesting thing that he pointed out is that he is doing very well with his investments, and he owns about one hundred stocks. We get this question a lot. Either on the show, or on the full live that we run every day for members of full services, and that is how many stocks should I own, and if I owned too many are not just owning index fund watering down my returns, but here's an example if someone owns a one hundred stocks is still crushing the market. Idol last question comes from Cameron thoughts on the valuation of Stone Co in light of the corona virus for a fragile country like Brazil. This could be the tipping point after so many other headwinds. But how does that affect stone? coz Business Jason I. Don't even know what Stone Co is. What is still business? Yes, don't Coz a payments company that's focused on Latin American markets in Brazil and particular in so I guess it could be. Draw you can draw a parallel to to a with square through pay pal at, but generally speaking I mean it's payments. Company focused on Latin America. Primarily Brazil. Is the big money making market kind of like Marco Libra, they're. In I, I, it's a it's. A NEAT opportunity, gained a lot of headline recently, when and it was, it was seen that Berkshire hathaway. Warren Buffett's company Berkshire hathaway taken a five percent position in the company, which is pretty considerable i. Think in the near term. You have to acknowledge the fact that. They're gonNA, be some real headwinds in in Brazil particularly because of the pandemic I mean. The flip side of that is role in same boat kind of in that regard. The entire world is dealing with it, so it's not specifically you know it's. It's not particular to one economy or one country some. To get hit harder than others I, do feel like Brazil. Be at a place where they can recover from this given You know some of the other businesses in the area. I mean that that that I think is. Who knows ultimately how? That's GONNA shake, but generally speaking. I think the move away from cash towards cashless. Transactions in and financial software that's not stopping if anything, this hastens that which which is what I think, Cameron's talking about there and for a company like stone. Co, neither are other companies in the space pags bureau in roquetas libra to but you know moving money around is a big big market opportunity, and there's nothing that says they won't be able to expand well beyond the Latin American markets, too, so I I'd say cautiously optimistic I mean I
Charlie Kirk: Coronavirus stimulus
"And you have Schumer Pelosi. In Biden one hundred twenty five years, Charlie Kirk of failure, unmitigated failure, swap failure and I. Think of my kids. You met my son. He's twenty one years old. My daughter's eighteen and I would think about your America their America and when I say you know, live free or die, American, the world on the brink I'm not joking. And very specifically will be probably the biggest choice election by far in my lifetime, and maybe since eighteen sixty, and there's a lot at stake We can go through the issues if you want, but it's. It's there's there's not one issue we agree on that. I can think of for the most part yet, and you wrote this, and it just really sent chills down my spine. You wrote this book to sound an alarm as a warning. Warning to my fellow patriots about the left's undying commitment turn America into a land, our parents, founders and framers wouldn't recognize it. It's perfectly put, and that's the direction that they're headed on page twenty seven. You have a great part about how Ben Franklin says we ever republic. If you can keep it, can you talk more about how this truly is? A referendum election in some sense and the left is trying to do to our country. Well the the story about Franklin's interesting, because it's, it's the constitutional convention and somebody says he comes out one days, says, is it a monarchy republic republic? If you can keep it Reagan, I quote him off. When I give speeches, said Freedom Charlie and you know this is but one generation away from extinction. And you know when if you want understand if socialism is adopted if their stated goal is adopted America as we know, it then becomes unrecognizable look, I can understand psychologically. There's a component of maybe people that that have been indoctrinated in schools, and you're great at this because you're going in to hostile environments every day, and you're saying you know what there's another way of thinking here, so maybe the idea that people think Charlie that some things are oh, everything's going to be free and they're gonNA forgive my loans at I'll have a guaranteed government job guaranteed government food. How did obamacare workout now? We're GONNA have Medicare for all or or double down on the stupidity of Obamacare and guaranteed retirement. Guaranteed vacation sounds great. But simple math shows you that you'll never get there. And that's why in the Fourth Chapter of the book did this whole history of socialism which is a history of failure? The point is look at the issues. If if we're talking about law and order. They've cited in Portland in Seattle and new. York and Chicago with the radicals. Joe Biden his yet that I know of said one good thing about the ninety nine percent of cops protect and serve and put their lives on the line for us every day. You're right. Okay, so law and order taxes. He's pledging to raise your taxes through the roof. That will destroy the economy Then they're gonNA just add all the bureaucracy. The Donald Trump spent almost four years. Eliminating that'll be gone. That means nobody's GONNA WANNA DO Business. That's why the Biden Obama economy was so bad. Then you look at where now energy independent for the first time in seventy five years with a number, one producer of energy in the world will lose that for sure We'll shut down coal fracking. Oil Gas exploration production those tens of millions of jobs high paying jobs career jobs for people. Then it's about amnesty. Or the United Sanctuary states of America versus Border Security and law and order of never mind foreign policy. We haven't even touched that part yet, so. There's a lot at stake. If those plans stated plans are implemented. America will go down the past you know. The Trash bin of history as Reagan, said Freedom One generation away from extinction we will. It I shudder to think what will happen the three you and your children by kids, and and maybe one day grandkids. ARE READY FOR THAT And I love the framing, because as the founder said either we're GonNa live free and defendant right now, or we're gonNA. Have a country that you know. We don't WanNa live it, and that's really the framing. That is so important right now, and you talk about and I'm really pleased about this. Shawn because I think we have forgotten about the Russia hoax too quickly in. In the conservative movement, you have been the leader on this every night. You were covering it. You didn't let us forget you help. Muller Accountable, you had investigative journalism and it just seemed that an Oxana names, but other conservatives just kind of drifted away from like Oh. That's what happened happened. You have two chapters on this in the book. Can you talk about that? Yeah I mean I call it Charlie, the the biggest corruption abuse of power scandal in history and the Ukraine was oh. Okay, we failed with Muller after three years. We won't. We won't even bother with a special prosecutor not to I'm going backwards here but to get to Ukraine. You? Know they're talking about quid pro quos, but you have to ignore their presidential candidate on video saying you're not getting a billion US tax payer dollars unless you're fire. That prosecutor is named Shokhin. WHO's investigating my son Hunter who went on a and said? Do you have any experience in oil? No Gas, no energy, nope, any experience in Ukraine. Nope, why are you being paid millions? No, because you dad, so there was a quid pro quo and millions of dollars for the Biden I call crime family. That's exactly right, so. Listen and China's even worse. You get to this whole thing what we now know and I believe what's coming. It's like, and this is where the media's corrupt because. They're just the propaganda wing of all things democratic. Socialist. We now know and have all the evidence that we'd ever need is that they protected their favorite candidate. Hillary Clinton. For things you and I and everybody you know that follows you and you have a massive audience would. Literally never get away with. If you had subpoenaed emails Charlie Kirk and you decided to delete them, and you decided to acid. Wash your hard drive with something. I had never heard about bleeped bleach bit and bust up your devices with hammers. You'd go to jail. If you violated the espionage act, you'd go to jail. They protected her. Then the narrative began we now know began in August. We know crossfire hurricane representatives actually went to brief. President Trump General Flynn. Flynn on national security, but they were there to try and get information on trump and Russia, the most amazing part of this, because the Democrats and the media live for all these years is that they knew and they said and they wrote, and they even testified. There was never any evidence, but there was a dirty Russian dossier. And now we know even the New York Times acknowledged full full of Russian disinformation and that was used. And they were warned not to use it, but high ranking people abusing their power, wanting to take out candidate, trump, transition, team, trump, and then deep into the Presidency Donald Trump. They use the dirty Russian misinformation dossier to ruin Carter pages life and roomed his civil liberties and constitutional rights, but more importantly to spy on candidate trump, and then they had their insurance policy. The fact that the mob in the media ignores it is beyond comprehension. I have so I have two chapters. One is on the Russia hoax, and the other is on this whole impeachment witch hunt. And I want everybody in your audience to understand one thing here if I can get one point across. Yeah, they hate Donald Trump, but they hate us more. They think we are as Peter. Struck, said the smell by the way I probably shop at Walmart say money. Why not you have a woman I love Walmart I love COSCO's. I Love I love it all. And I've shopped there my whole life I mean people always stopped me when I'm in a grocery? So, what are you doing here? Shopping? Wa I like to eat a cracks me up. So but think about that. smelly Walmart Shoppers while irredeemable deplorables, wow! Bitter Americans as Obama said that WANNA cling to their God. I'm guilty their Second Amendment Rights Guilty Bibles and religion I'm guilty of that, too. But. It's contempt for your audience. It's contemporary my audience. It's because they knew better. And they will ling. This was an attempted coup. Now do I think there's going to be arrests and prosecutions I? Do spend much slower than any of us would have liked, but the evidence is overwhelming. It's incontrovertible sad actually that this could happen. That was going to be my follow up. Question Sean because when I travel and we get thousands of e mails a on this topic. When are people going to go to jail? And can you give me insight on this? Can you give us any clues any crumbs that we're starting to see from Durham? It's I call them. It's funny. You say crumbs because call them the the Attorney General Bar breadcrumbs. It's like Hansel and Gretel. Remember. We're we're trying to follow and see the trail exactly yeah. He did say that the president was spied on. It did happen illegally. The. Think about this. If you go before Judge Judy I wouldn't WANNA lot because Judge Judy I. I've met her once she'll eviscerate. You I watched her show. You. Don't go before a court. The information that you have not verified. It actually said at the top of a FISO Warren Charlie. It says verified. Okay. We now know the dossier was unverifiable. The sub source we now know, said this this bar talk. We were making this up. This was never meant for anything and again Hillary paid for it funneled money separate issue. And so, what is going to happen I don't have a crystal ball but I. do know all of the facts that are in the public. Are Enough to indict many of the names that your audience is most familiar with. I would argue. Komi McCabe struck page. I'd like to know a clapper. Brennan's role in all of this ends up being and and others. The more fascinating deep question is. Will they get to that January fifth twenty seventeen meeting inside the Oval Office? This is when member Biden said George Stephanopoulos Oh I. Don't know. Anything about this, you know this whole impeachment Russia thing. He was the one same. Bring up the Logan Act fifteen days later Susan Rice in that meeting did the Cya memo the day that Donald Trump was inaugurated. Obama in that meeting shot Sally Age by saying a He. He knew everything about the Kislyak Michael Flynn call. If we look. To sum it up. I think we're GONNA get there because the evidence. Is that overwhelming? If we don't. I fear for the country? Because of you. GonNa Raid Manafort's home predawn raid and you're going to raid Roger Stone's home. For lying to Congress by the all many of the names I mentioned were referred for the same crime and you're gonNA. Pull it twenty nine guys in tactical gear, frogmen and tip off CNN cameras and. Have a biased jury for person. We won't have equal justice and equal application of our laws, and worse than that Charlie is. We lose our constitution. Yes, all our laws are are predicated on next great document and some `perfect, but it creates the path to perfection at a more perfect union so. Long answers. I'M GONNA talk. Show I love it. No, this is what our audience needs to hear, and and thank you for that and look I I completely agree because if we do not have people and I, say this as carefully as I can in handcuffs for what they did Donald Trump then I I will lose faith in the American justice system I. Don't want that and I don't want revenge I don't retribution I want people to be held accountable and I would want the same if someone did this to Barack Obama because it should never happen to a leader ever. Yes. and. They've gone after every single trump friend confidant, and yet if you oppose Donald Trump you get different treatment, talk a lot about the constitution in your book and the founding of our country, Sean going to be honest, I've been very let down by some of these supreme. Court decisions lately Can you comment on that and the importance to get more people like Kavanagh? Who's actually ruled brilliantly? Unlike John Roberts. I! I'm a little. I don't know what's happening. Roberts I have my theory I guess I have my sources people that. have their own ideas based on some knowledge? For whatever reason and I think this goes back to the obamacare decision. He has allowed. How the court appears to influence his decision making. I also sense with no evidence whatsoever. You're not a big fan of president trump, but that should not come into his thinking. Now. If getting rid of bureaucracy and lowering taxes and energy, independence, and securing our borders, and law and order are all part of this election. Let me tell you another big part of it. And it's you know we're taping this ninety. Whatever days away from the Election Day, I what about and we got asked. What about the Supreme Court? Yes, I go through a whole list I. Forget what paid maybe sixty seven I forget. A. In the book. Of. All the things Democrats would do if they're getting power one, is they? WanNa, stack the courts. Get rid of the Electoral College. And I. What, they're saying they. WanNa do is scary. They used to hide it Charlie. When I every single Liberal Democrat running for office, they would run to the left in the primary. They race back to the center, but you knew they wanted the left. There now openly embracing the most radical elements in the country and you know. Unfortunately we're watching it all. Play out nightly on TV and and that sad what I see happening when I think we have to remind a trump supporters that these are not trump appointed justices, a gorsuch I think ruled incorrectly on one ruling. That's it besides that gorsuch and cavenaugh have been tremendous and terrific verses Roberts. I just think we have to give the audience a sense. Sense of continued conviction that the trump appointed justices will continue to rule correctly and Clarence. Thomas and you know the the Thomas Family. They get no credit at all. I mean what he has done. And can you comment on that? 'cause I, E, you've actually been you open my eyes to that like eight years ago and I never learned about Clarence Thomas as a high schooler until you I mentioned it just as a quick aside on his incredible career. I like to do on TV and antidote on radio, too. Sometimes I call it the Hannity history, lesson 'cause I lived through all of this. I know this is going to see. You're not even thirty three, but my radio journey started in nineteen eighty-seven crazy right. Now on my twenty fifth year of Fox, I didn't think I last two. So I feel very blessed. As a side note if you haven't read my grandfather's son. Which is about Clarence Thomas is life. It's amazing. But. You know it's interesting because him and Scalia. To my opinion, my to most favorite justices in my lifetime. Scalia this incredible wit and genius and understanding and. They got a little acerbic side to when when he was questioning Clarence Thomas always set by quietly. What they called a high tech lynching at the time, the more modern. Let it. You gotTA. Remember Yeah. And you know. It was then Senator Ted Kennedy you know Robert Bork's America the borking of America. That was Clarence Thomas. Now we see it more recently cavenaugh. It exposes. The, who is Joe Biden? Who is his team? Because Clarence Thomas and Justice Scalia or the people we need on that court. We call them constitutionalists or originalists, the original intent, not people that would sight foreign law as liberal justices have done or not people that feel that they can rule by judicial Fiat and dictate or legislate from the bench. Democrats always wanted the court to do that which they could never. Do legislatively or win at the ballot box and that's why they want. We call them. Activists Justices Clarence Thomas. has shown a fidelity to the Constitution at the Antony Scalia. That is beyond enviable And the differences styles always interesting, too because Justice Thomas will always be quiet. That's very few questions. Anthony Scalia was in there in a wrestling with people. I don't know about John Roberts. I can't get into it, but I do believe the next president United States is a very good chance. You have a lot of older justices may want to retire. And I think that the next this election in just three short months. That's on the ballot and that's that's generational now. And Sean I think we have to pressure the Biden campaign to do what trump did and release a list of justices I mean president trump was so transparent and Joe Biden hasn't done it yet. Intentionally, of course, because he'll probably put repeated to lieber something on the United States Supreme Court I mean as horrifying as that might be so in two two quick closing question Sean and thank you for being so generous with your time anchorage, everyone you know. Know go by live, free or die. the first is this. Can you just talk about? We are heading into the election. A lot of trump supporters. They're failed. They're falling victim. They suppression pulse I wish that wasn't the case, but it seems like the memory of two thousand sixteen as faded where people forget. We were down by double digits. Can you just give a little vote of confidence to some of our listeners out there? That think we're just losing. I WANNA. Give the vote of confidence, but I want people to feel this way. I want people to think I'll use a football analogy that our mutual friend Linda that you know. Who's your biggest fan? My radio producer? He's amazing. Amazing, but she doesn't even know how many points you get a touchdown, so I'm giving these football analogies. I, want this election. I want people to feel the way I feel which is. We're on our own twenty. Two minutes to go. We have no time outs We're down by six. We got a cross. The plane marched down the field, cross the plane and hit the extra point to win. So if people feel a sense of genuine urgency and worry and concern, I'm cool with that because fear often as a great motivator, not irrational field fear, but if people do not vote, you will get the government that they're telling you. They're going to give you believe. That that is their agenda. To be a Republican and win. You GotTa always use this analogy got to run the table I gotTA. Get Florida Georgia North Carolina can't win without Ohio. No Republican's ever become president without it right? You got hold Iowa then you got pick off Pennsylvania Wisconsin hopefully Michigan maybe MINNEA- Minnesota will be play. Maybe the city of Arizona will be in play. By Joe Biden reference for those of you. That didn't get. We got a hold Arizona Gopher Nevada New Mexico. New Hampshire and Maine's second congressional district. If every single mom, this is a battle cry. You started out this interview with this. I wrote this book not because I like writing books. My last book I donated every Penny I made to charity I don't care. It's not that. This is a tipping point. Charlie this is I, don't. See if these policies are implemented how America recovers. Irreparable harm the to the rule of law to our courts to our economy, they want to wipe out the lifeblood of of the world's economy. This this promise of socialism and I go into such detail about how it's always failed. Here's a quick socialism of example. Member obamacare. Keep your doctor keep your plan. Save on average twenty five hundred dollars a year per family right? Okay. Millions lost their doctors. Millions lost their plans. We're all paying about two hundred percent more and add to that. Forty percent of Americans almost forty percent have only one obamacare Biden Carriage James Choice now. How did they do with that promise? Medicare is going broke. How did they do it? That promised social security. Charlie hate the break this here. He paying into it. You probably won't get it I. Barely Skate through, and they might give me ten cents until they means tested and then take it back, How does it? How did Liberal government work in New York City with all the anarchy cutting a billion dollars, so please? How's IT WORKING IN CHICAGO? All. These liberal cities have where the violence we've been talking about takes place. They all have one thing in common. They've been run by Liberal Democrats for decades right. Most of these states have been run into the ground by Liberal Democrats for decades. If you WANNA know what America will look like if Biden Bolshevik Bernie. Pelosi Schumer and Bozo. That team gets place look at new. York state and city look at Chicago the City Illinois. The State Look at California. Look at Oregon. Look at Portland, the city. Look at Seattle. Look at the state of Washington. Yes. And I. Love this country too much. You know it's an all hands on deck moment and Every everyone of you've got this connection with younger people in this country. You have this incredible. A credible platform you built, and it's become powerful and meaningful and transformative to the country, and you're going out there, and you're fighting on these college campuses and you. You know it's not easy to be in the middle of a I call it a shift. Show all the time, but let's well put, but you do it. And it's freedom works. Every time you give up freedom for security, you lose your freedom because the security that they're offering. These promises that can never ever be fulfilled. In America. The land. I'll close with this unless you want to go further I can keep going the. Barry Farber who was a mentor of mine. Just recently passed away like ninety ninety one. And he always said there's never been a country in the history of mankind that has accumulated more power and abused at less than the United States well I add. A country in the history of mankind that has accumulated more power abused at less, but used it to advanced human condition. The reason America is great and exceptional. If I can say that today, it's not perfect, but it's great. An exceptional is because of its people, and because of the fundamentals of liberty and freedom. So that? Natural rights versus government or rights, natural rights come from God doubt by our Creator. Life Liberty pursuit of happiness while you can't pursue happiness these days in Chicago New York Moreland Seattle. So there's a lot on the line. I love your audience. I'm so thankful for all you're doing, and you've got a great team that you building review and you're out there fighting the fight and I just urge you guys. Just fight like your country depends on it. Because America's, we know it. It's all hanging in the balance. Yet was Sean. You've been so generous the last quick thing I defend the president all the time personally as a person. Can you comment on that because I've had the opportunity to meet him? not as much as you obviously and get to know him, but a lot of people here misrepresentations in lies about who he is as a human being. Let's close on this note. Can you just mention one or two things that that people can take away from that? You know first of all. It's interesting. Nobody seems to understand Donald trump yet. They don't want to understand. I mean Donald Trump. The Dog Bites the beasts, things you feeling sad or get cancer. You Complain Trump. I mean that's how saying the leftist. But here's a guy that is so unique he this guy is like a soon nami force of energy like I've never met my life. The most distinct and unique quality he's had is as president. You mentioned the Supreme Court. He put those people that he said he put. He cut the bureaucracy as he said he'd caught, and he cut the taxes as he said he'd cut. He did the North Dakota. A keystone pipelines Anwar Likey said he would. He's building the wall or almost four hundred miles. A wall by the by election will be over four hundred miles. He found a way it was. It was an uphill climb He said he wanted to pull us out of foreign conflicts, but not back away from evil defeated. The Caliphate took out. Baghdadi and Associates took out Sola Mani took out the Al. Qaeda leader in Yemen. So? What makes him special and unique in terms of presidency is that he is who you see is who you get. The guy that's fights on twitter is the guy that's fighting for a better trade. Deal the guy that fights. Against Liberal Democrats and the media mob is the same guy is fighting to keep his promises that to me makes him the most unique transformative political figure in our lifetime. And Right now. The. We tip the scales. You have a choice. It's never been a bigger choice. He will keep his promises. Coronas been a little bit of a curve ball to the world, but even that ten days after the first case, the only guy that I know of thought about a travel ban will be donald trump. They were teaching at the time and Joe Binder Biden was call them Sinophobic, so he's a man of his word. He's a man that will fight to his last dying breath for this country and the promises he made, and that makes them in my view very transformative. Men will. The book is live for Your Die God bless you, Sean, thank you for that. You do and we really appreciate. It helps you soon. Thanks bye. What a great conversation that was! Please email me or questions freedom. Charlie Kirk Dot Com freedom at Charlie. KIRK DOT COM please type in trolley. Kirk, show your podcast provider. Hit subscribe, give us a five star reviews screen shot at an email us. If you want to win a signed copy of the Maga- doctrine, please get involved with turning-point USA at Teepee USA dot com that is Teepee USA DOT com. Check out divest you. Dot Com if you want to divest some of. Of your dollars from the sinister backwards malevolent higher education cartel check out our professor watchlist, professor watchlist, dot org professor, watchlist dot Org. We have some incredible new additions that you do not want to miss of radicals that are teaching your children right now to hate. America is professor watchlist dot org email me directly freedom at Charlie Kirk Dot Com your ideas and questions. You want me to ask our guests here on the Charlie Kirk show. Thank you guys so much for listening. So next time God bless.
Trump Signs Executive Orders Aimed at Reducing Drug Prices
"Democrats are critical of a Siri's of executive order, signed by President Trump Toe lower prescription drug prices. They say patients will likely see only minimal relief and they contend implementation could take months. The president says the measures will reduce the price of epi pens and insulin and will permit drugs to be imported from Canada and other countries under this transformative order. Medicare will be required to purchase drugs at the same price as other countries pay so we would pay for five times more for a drug. We now pay if somebody else pays. $1 we pay $5 would pay $1 on Tuesday, the president plans to meet with pharmaceutical
Trump Signs Executive Orders Aimed at Reducing Drug Prices
"Drug markets signing orders aimed at sharply reducing drug prices. The president says his executive orders would allow wholesalers to import drugs from Canada. Forced pharmaceutical middlemen to pass their discounts on to consumers and permit Medicare to pay the same lower drug prices that other countries pay its massive, But business interests say it amounts to illegal price fixing. Acknowledging the pushback Mr Trump says he'll have drug makers in for a meeting on Tuesday. He says he'll use his executive orders as leverage to negotiate for lower Medicare costs. Stephen Portnoy, CBS NEWS Washington,
Trump signs executive orders intended to lower drug prices
"And move. It may gain him support from voters by signing a Siri's of executive orders. President Trump promised to slash drug prices across the country. There's an incredible day. This is just a big day. There's a big day I've been waiting for this day for a long time. The orders open up America two more imported cheaper drugs directs drugmaker rebates directly to patients provides insulin and Pens at a very steep discount to low income people and allows the use of lower international prices to pay for some Medicare drugs. Fox's Kevin Corke drug companies strongly opposed the action to curb prices and say it will hurt their ability to develop Cove in 19 treatments. America's listening the Fox News
Trump signs orders to lower prescription drug prices
"On his own to allow imports of cheaper medicines. The president says his executive orders would allow wholesalers to import drugs from Canada. Force pharmaceutical middlemen to pass their discounts on to consumers and permit Medicare to pay the same lower drug prices that other countries pay its massive, But business interests say it amounts to illegal price fixing. Acknowledging the pushback Mr Trump says he'll have drug makers in for a meeting on Tuesday. He says he'll use his executive orders as leverage to
Trump signs executive orders intended to lower drug prices
"Quarantine orders last month, President Trump is taking action to lower prescription drug prices he signed for executive orders on the issue, one of which allows medications from other countries into the U. S. We will finally allow the safe and legal import Station of prescription drugs from Canada. And other countries where the price for the identical drug is incredibly lower. Its difference like you wouldn't believe the other orders would require discounts from drug companies now negotiated by middlemen to be passed on to patients. Ah, third seeks to lower the cost of insulin and epi pens and 1/4 which the president says may not need to be implemented would require Medicare to purchase drugs at the
Donald Trump acts to cut prescription drug prices in US
"Donald Trump has signed executive orders aimed at bringing down prices Americans pay for prescription drugs move fulfilling a campaign promise made by the president and becoming as he steps up his efforts to win reelection. Among other things, would bring down costs were certain medicines like insulin and also allows states, wholesalers and pharmacies to import less expensive drugs from Canada. The American people pay an average of over three times more for medicine than the Canadians. Many people go to Canada. I see it all the time. They go to candidate by drugs, and then they come back. Description drugs because they save so much money The trip is well worth. The orders would also require pharmacy benefit managers to pass on discounts to patients and allow Medicare to pay lower international prices for some medicines.
Trump signs series of executive orders aimed at lowering drug costs
"President Donald Trump has signed executive orders aimed at bringing down prices Americans pay for prescription drugs. Move, fulfilling a campaign promise made by the president and coming as he steps up his efforts to win reelection. Among other things, it would bring down costs were certain medicines like insulin also allows states wholesalers and pharmacies to import less expensive drugs from Canada. The American people pay an average of over three times more for medicine than the Canadians. Many people go to Canada. I see it all the time. They go to candidate by drugs, and then they come back. Description drugs because they save so much money The trip is well worth. The orders would also require pharmacy benefit managers to pass on discounts to patients and allow Medicare to pay lower international prices for certain
Census Workers Going Door-To-Door
"U. S Census Bureau is sending workers into more areas of the country. NPR's Hansi Lo Wang says they'll be knocking on doors of households that did not complete a 2020 census form either online by mail or over the phone. Roughly four out of 10 households nationwide have not yet participated in a constitutionally mandated headcount. Masked workers from the Census Bureau are heading out to neighborhoods in eastern Connecticut, southern Indiana, Bosa Kansas, Central, Pennsylvania and Northern Virginia, plus in and around Tacoma, Washington. Results of the count help determined amount of federal tax dollars each community gets for Medicare, Medicaid and other public services. Door knocking is set to start nationwide on August 11th But some census advocates are worried the Corona virus outbreaks could stop door knockers from making in person visits. That could result in major undercounts and affect federal funding and local representation over the next decade Long
Reading the New Testament Letters: Q & A
"How to read the New Testament Letters. Let's start with a question from Damian in Minnesota Hey. Tim and John. My name is Damian. Leverett and I live. Live in Saint Paul. Minnesota I'm a classically trained theater actor and performer, and listening to these episodes has made me wonder if it could be a fruitful practice for churches to have people like me. Trained in speaking complex texts in an active embodied way, read the letters in their entirety in live gatherings. What do you think about this idea is? It's stupid. Are there any pitfalls or problems that you'd foresee? I'd love your advice. Thanks for all you do all right. I'll respond first Damian your idea is the opposite of stupid. It's actually brilliant and so important, and yes, you should do it. No questions asked. All Right? That's my first response. was here's John for sure? Yeah, you. We talked about how these letters were originally heard. Read Aloud. Yeah, that's right and that there is something about. Hearing it all in one sitting that helps you Kinda feel the shape of it in a different way. I noticed when I read. I get really stuck like what did that sentence mean? I don't keep moving. But, if you're in a situation, where just being read aloud in listening to an audio version of the Bible, that's really powerful, so so if you have a vision for using your experience in theater. That's awesome. Yes, John and I. Both knew a guy named Jason Nightingale. Who had just ministry nonprofit, he called word sewer ministries, but essentially he memorized all the books of the New Testament. Did he do all of them well? I don't know that for certain, but the sampling that I. Know that I've heard him. Recite before makes me think he's for sure got. From the gospel of Mark to the book of revelation Romans, Hebrews. Fijian's so we back when we were in our twenties, heard him. Yeah back in the nineties. Nineties Nightingale. But Man. This guy traveled all over the US and the world reciting books of the New Testament and then sometimes he would give short little homily. Reflection afterwards, but his main thing was to recite whole books the New Testament in one go for groups of people with such a booming. Yes, wonderful destroy had a uniquely amazing voice yeah. So yes Damien I. It's a wonderful idea. It should be normal I. Think this kind of ministry should be normal in the life of a local church. Yeah, having somebody who's like the memorizer and reciter of books of the New Testament. So guts be Damian. Go forth and memorize and recite his question from Lauren in Indiana Hi John and Tim. This is Lauren and Fort Wayne Indiana I'm listening to your conversation on the New Testament letters with my usual rapt attention, and in episode three is John expressed some frustration that the theology. The New Testament isn't more thoroughly connected and expurgated. It made me wonder. Wonder whether Paul as a Hebrew scripture scholar, who understood that it was as you call it. He Meditation Literature. Do you think it's possible that he crafted his epistles in that same way so that people would need to hear them and read them over and over to really get the depth of meaning just curious. Thanks for all you do God bless. It's great question. I thought that was really insightful. Question. It is true especially Paul the his letters are hard to understand. There are or you could say there are many parts that are difficult to follow. And you remember at some point in the series. I mentioned passage in Second Peter where Peter felt the same way That's right. Yeah, yeah, he says there are some things of Paul's letters that are hard to understand. However the question is. Is that intentional? He could. Is it a bug? My hunch is that for Paul's letters that it was expensive to write. Letters can talk about this future episodes. How how letters were actually produced and how expensive it was and the process involved, but I think part of it was just the way he communicated through these letters and the way his mind work. was like a beautiful mind. In terms of. Is this guy crazy or is this guy brilliant? I think it seems you can just feel bursting out of sentences in Galicians that there's whole volumes. He could riot on what's underneath just a couple of sentences and so? I think you actually could. You. Do need to read them over and over at least I have for years, but I'm not sure it's necessarily because he crafted the way. The Hebrew literature is crafted I. Think it's he was raised on that literature, and so he certainly is shaped by it and talks things by, but I think it's also just the nature of him his unique personality, and then the letter medium. How would you think I hear what you're saying there? Yeah, he not designed with the same maybe. Maybe intention analogy that scroll in the Tanakh would have been designed potentially, but he had internalized that design, and that tradition, and that tradition so much that it undergirds everything. He sang by Medicare, eating on Hebrew Bible, and then meditating on what Paul's writing. Yes, as cool chemistry that happens totally which I've noticed. Yeah, yeah, working on this project with you so many things come pop a lot more when when I start to see the things that that Paul was seeing And which are things that you've been pointing out these patterns and themes inside?
Jamaal Bowman unseats veteran Rep. Eliot Engel in New York primary
"Biggest upset of the primary season. So far, Jamal Bowman has unseated New York's long serving Democratic congressmen. Elliott angle. Bowman is a former school principal from the Bronx, and the race was widely seen as a contest between the parties Progressive Wing and the Democratic Old Guard the continuation of the dynamics in two years ago in New York. With the election of Alexandria. Ocasio Cortez. Jamal Bowman is here with me now. Welcome and congratulations. Thank you. Thank you so much for having me. So you ran on a progressive platform in one of the bluest district in the country, New York 16th. But now, you know, I want to look ahead with you. Assuming you do end up in Congress, which is what most people are assuming, Let's just talk about how you intend to work with the rest of the Democratic caucus in the House. I want to start with the fact that you ran on Medicare for all. But the presumptive Democratic nominee for President Joe Biden, opposes Medicare for all. So how do you expect Democrats to resolve this issue on health care? A lot of conversation. Ah, lot of dialogue, Lather debate lot of listening a lot of learning on a lot of bridging the gap. I mean, the bottom line is the majority of the American people support Universal health care, a single payer system and Medicare for all, they supported that prior to the culvert pandemic, and now that we are living with in the midst of that pandemic. People supported and higher numbers. But here's the challenge. I mean, more generally. Obviously, this is a general election year. What do you say to the argument that pushing liberal policies during a presidential election year progressive policies? Could alienate voters in swing states and swing district. I don't think they will again when the majority of the American people are surveyed and pulled on this issue, the majority of the people support This particular issue, But beyond Medicare, for all, I mean, how do you make ideas like the green New deal or de funding the police popular in moderate district's? We're living in a different country at this moment, then we were even six or eight months ago. We have over 40 million people out of work as a result of the pandemic, So we need a federal jobs guarantee under the umbrella of a green new deal. We have kids who are losing quality education town because of the pandemic. So we need to fully fund our public schools called it disproportionately impacts. Those were upper respiratory illness as it relates to environmental injustice, So we need to deal with the environmental emergency. All of the things that we've kept swept under the rug for decades are now coming to light. As a longtime educator. What do you think? Is the single most important thing lawmakers Khun do to make life better for black Children? We need to start with a process of truth and reconciliation and really reckoning with our history of racial injustice and the legacy of slavery and how it continues to persist in all of our communities, and as we craft policy and worked together, we have to also look at the implementation of that policy, not from the perspective of a Scarcity, mindset or a zero sum game. This is about collaboration, cooperation and working together the build the country that works for everyone, But can you be specific? Can you talk about one specific policy idea that you would like to push? To get passed through Congress that could actually get past. By a Republican led Senate If the Senate does not flip in 2020 We need to give people back to work first and foremost, when we talk about full over 40 million people who have lost their jobs, their happening in Republican states and districts as well. We need to finally deal with economic inequality in our country. You need to make sure the wealthy pay their fair share and large corporations pay federal taxes so that we can invest in the people of our country. Get people back to work. A lot of comparisons have been drawn between you and Alexandria Ocasio Cortez, also a progressive Democrat. What have you learned watching her navigate her first term in office. Is there anything you intend to do differently? Well, I've learned that it's okay to be myself. You know, Congresswoman Ocasio Cortez eyes a tremendous leader. She's brilliant. She's fearless, going against a system of white male supremacy, a cz. She's broken a glass ceiling in that system and created species. For new conversations that center, the working class and those who are most vulnerable. So I've I've learned it's okay to be myself and speak truth to power on the issues that matter, most to the people who have been mostly forgotten. Jamal Bowman, winner of the Democratic primary in New York, 16th congressional District, which covers parts of Westchester and the Bronx. Thanks for being with us, and congratulations again.
"medicare" Discussed on Medicare for All
"Even those workers who are eligible for it even if they got their Cobra, seleced comprehensive solution because they still have to pay all of the crazy co pays and deductibles, and out of pockets that Hell Employment Base healthcare does especially those who are suffering under high deductible plans, so in a country where majority of working people couldn't even come up with five hundred dollars in an emergency say that you now have the right to. Have a plan that has a four thousand dollar five thousand dollars family deductible, and you know formularies on pet. Prescriptions and stuff just might not work it, and then you know finally because we're now, if we. Pass this bill where we're now cycling healthcare through our Private Insurance System were written twenty percent twenty five percent off the top right back into the private for profit health insurance industry You know at a time when you know. We could desperately use that kind of public funding for for to expand health care to everybody, so there's a lot easier solutions you know basically you know senator. Sanders and Congresswoman Julia Paul have said you know. What just have Medicare pay everything that private insurance doesn't pay for everybody for the duration of the crisis. Let's just do that. You know it's a crisis. Everybody needs health care. providers need to be sure that they're going to get paid during this crisis. So you know private insurance. You GotTa maintain the status quo you can't. Change anything for the duration and Medicare just send the bills to us will pay the rest. That's the easiest most elegant solution and will then provide the basis for a more humane and rational healthcare system, going forward right, and if that if we had that if we had just you know Medicare covering everything. We would not have either of the crazy things that happen, which is that everyone loses their healthcare soon as there's a public health crisis or that providers are losing money, they're laying off doctors and staff and capacity right when we have public health crisis. and. I think I like everything you need to know about Cobra. Is that the only acronym that could come up with is a venomous snake. Most. Most programs they come up with an acronym. It's like you know. The Freedom Program the the safety plan all of the best they could come up with was was the Cobra Act. But so mark we wanted to have a longer conversation with you going a little bit back in time about the evolution of the Labor movement and its involvement with fighting for Medicare for all. Just because you've. You've been through a bunch of these fights. During the Clinton. Failed Clinton. Reform effort during the affordable care act. That's kind of went around when I joined, the movement a little bit before that. And then we have this I think we're going to have a new opening sort of quite soon around the massive loss health insurance that's been the result of coronavirus..
"medicare" Discussed on Medicare for All
"We start operations what they're going to be thinking about now. PGA, so we're GONNA, you know we're really facing a whole new a whole new world in the. Face of this collapse of the employment, based healthcare, system and You know I think the jury is out on. You know exactly how this is. GonNa play out, but the opportunities to begin to organize for a more rational and humane alternative in are certainly there, and that's why we think that the political opportunities right now while we're still in the midst of this crisis is to provide sort of more expansive solutions to the emergency. legislation that we're going to have to continue to. Support as we move forward. To speaking of political opportunities. It seems like the Democrats best. Offer! For Workers Under who are dealing with losing their healthcare, undercurrent virus is to Expand Cobra and to subsidize Cobra. For, those workers who qualify how how do you feel about that? Mark Yeah well. You're right. They attached. This Cobra subsidy? Bill to the Heroes Act that Congress passed a few weeks back the heroes. act in general is a really good bill. It provides essential protections for frontline workers. It provides wage supplements for those workers who have to continue to work. It provides a bailout for the post office, which by the way may be out of business by the end of the year. If we don't do something, one of our great public. Public Institutions So you know there's a lot of good things in this bill, but we got outmaneuvered on the The healthcare portion of this bill and the Democratic leadership and a little group called a hip which is a lobbying group of the health insurance industry where able to attach of the narrowest least comprehensive and most costly support for a healthcare for workers who are displaced under this crisis. That basically says that. The the government will pay. The full colebrook costs for any out of work workers for the duration the crisis now. Cobra is explain what Cobras I was just getting ready to yeah. Thank you go? Cobras bill that was passed in the nineteen eighties. that gives workers the right when they lose their job if they're covered by an employment, based health plan and they work for an employer with. I. Don't remember if it's twenty or twenty five more. Workers They have a right to. Purchase their health care from their employer at basically at one hundred and two percent of the cost of what the employer was paying for. It so it's a sort of a you know. It was designed to provide an opportunity for people to maintain healthcare coverage is a transition between jobs now. Very few people ever took advantage of it because south is so damn expensive, and when you lose your job, you don't have any money, so you know to pay to have the right to pay one hundred and two percent of your healthcare insurance was pretty much the right not to have healthcare, but you know They've latched onto that solution by saying. We'll pay the full cost so what we're doing now is. We're if this bill passes stuck in the Senate right now. Is First. Of all, you will only provide relief for a narrow subset of workers who are affected by this crisis that is those workers who already had employment healthcare who worked for employers, an employer of twenty or more workers. and. Had the all the other accoutrements of at healthcare? It's only a narrow subset.
"medicare" Discussed on Medicare for All
"Their union and at very engaged in their union and so when they're you know they're union told them. That Bernie Sanders would. Cause them to lose their health plan I think the union really expected that the members would would flock to that position and do the do the right thing. which was not to vote for Bernie Sanders in that situation. But. Guess what? These workers and thanks. May you know in many ways to the kind of activism that the union had always promoted them on them? These workers saw through that and realized. You know that they are part of a working class that they you know. They have friends and family. and neighbors whose benefits are not guaranteed by the strong union contract that they were able to achieve, and they also realized how precarious their own benefits were, because it was dependent on the fact that they were employed by particular casino and were members of a particular union and so. Majorities of these workers members of the Culinary Union. In the primary actually voted for Bernie Sanders and did so because they supported Medicare for all, and that was a real wakeup call I think for for labor leaders around the country. You know we didn't have the same kind of dynamic in south. Carolina, one of the reasons is unions. Don't play the. Central role in democratic politics that the culinary plays in Las Vegas but you know the it was an in fact in some ways. The argument was a lot easier to put before. Union workers in South Carolina because. Unions don't have the density and the strength that they do in Las Vegas. They already knew how precarious their healthcare was. Their employer's constantly hammering at it, and comparing their healthcare to the rest of the South Carolina, working class that had little or no healthcare so I think the argument actually was easier to make in South Carolina, Bernie and do good in South Carolina but over sixty percent of Democratic primary voters. Supported Medicare for all in south. Carolina so You know I think we've won that argument among Working People and I think the Labor movement has. Begun to wake up to that fact, you know a lot of times you talk union leaders and they'll say. Oh, yeah, you know. I support Medicare for all, but the members aren't ready for it. They want you know they they wanNA keep a whole lot to their health. Insurance plans that we just can't go to the members with this issue, so the members have come to them now and show them the way forward and I think that it's really changed..
"medicare" Discussed on Medicare for All
"Think it was January, maybe December. titled. Take my benefits. Please Wyoming. Based healthcare is an anchor around the neck of the US working class You know and you know that that people would celebrate this crazy system that we have. That links employment healthcare to employment. So if you lose your job, you lose your healthcare. If you go on strike, you can lose your healthcare. If you get sick. You often lose your care You know it's just outrageous. And you know and also oblivious to the fact that for a entire generation, healthcare has been the biggest cause of strikes and lockouts and concession bargaining. with unionized employers, the workers who are lucky enough to even have a say in what kind of health care that they get, and you know a constant deterioration in the standards for all working class Americans so. It was just such a UP. Outrageous way to frame it and you know I think that that's talking points that were developed by. You know people who have a real stake in the system for profit. Industry who are very smart about this idea about that sociologists call loss, aversion that people are often more motivated by the fear of losing something that they have rather than the hope of gaining something that they need and so the Way To manipulate people's thoughts. We I like to joke that. The only people the only thing people hate worse than their health insurance company is the fear of being without any health insurance, and that's the kind of way that loss loss aversion plays on people. Don't. Medicare recipients you know saying this Medicare for all is going to mean that you're gonNA. Lose your Medicare because everybody will have Medicare. It's like you know you don't think it's GonNa work, but it works AH. This pernicious way of of manipulating people's deepest fears and insecurities So that's you know that's the way they played it. And I was actually struck with how. People rejected that formulation and you know and I. You know I. think that that's what really means that you know this is an idea whose time has come. Because if you look at the polling, no matter who people voted for. A majority of primary voters believe in and support Medicare for all even in the face of these kind of nasty. Industry as talking points and so this this is really kind of cleared a.
"medicare" Discussed on Medicare for All
"Right here, this is not about politics kiss. Health. Emergency can't wait brought up theoretical face about better. Well never ever thought the. We have been. Reporting Daily! In, this matter of Camp Ross. And that means you have a right to come to my house and conscripts. Believe in slavery. I, am Benjamin Day? AM, Stephanie Nakajima and this is Medicare for all the PODCAST for everybody who needs healthcare. Including all the K pop fans all over the world who came together to sink trump rally. Yes for those who haven't heard. Trump headache coronavirus rally in Oklahoma. And a bunch of young people filled out fake reservations so that he ended up with an empty stadium. And it turns out, they mostly from south. Korea where they already have single payer healthcare, those lucky bastards. So today Yellow Lucky! We have a really special guest Marc Duds Ick the national coordinator of the Labor Campaign for single pair. Thank you mark for joining us. It's great to be here Ben and Stephanie. Thanks Suit. Could you just tell us first? How did you get into the single payer movement? Wow well. I was the. President of a union in the union called the oil chemical. Atomic Workers Local Union in New Jersey. That had about. Forty different. small chemical and pharmaceutical plants under contract. and. In the nineteen eighties, we began to see that and we were having more and more of a struggle on. Bargaining for health care for our members, and We, actually invited. David Himmelstein to speak our district council meeting in Nineteen eighty-eight when Jesus of the single payer. Yeah I think this is not long after they actually launched php the Physicians for National. L. Program, and You know I gotTa say when I first saw David show up I was like man. Who is this hippy doctor? What does he know about healthcare But you know he really framed. The issue. You. Know made us made me think about you know..
"medicare" Discussed on Medicare for All
"This illustrates how wonderful marketplace solutions are to healthcare coverage. I mean the whole idea of the exchanges was like yeah the market will offer you better options and you know lower prices But the the reason that they even have enrollment periods. Where it's like. You can only enroll at a certain time of the year in the exchange is because they're attempting to crack down on what they call free riders people who like we'll wait until they get sick and will then enroll in exchange plan and then as soon as they're better will disin- role and stop paying premiums And they don't want to just cover you when you need it So this is the whole reason that they created these things but of course we are in the middle of a pandemic. I think you actually do want to cover people when they against sick and we WANNA pay for it collectively as a society. That's the whole goal so it's just like another yet. Another layer of how all of the incentives of market base system are run exactly opposite to what you need to do to address a pandemic but also really just to provide healthcare to society. So I think there is a way we can all give back. We like to close with some sort of an action step And I want to give some love to our postal office workers Postal Service Workers So this is a situation. People might not know about but Obviously Postal Service workers are one of these front line jobs who are just like highly at risk of of of of contracting. Toronto Virus But keep showing up to work. Keep doing their job But the postal service itself is in danger of going under a basically going bankrupt according to some projecting projections The USPS could run out of money as early as June and. The reason is of course that Use of the postal services just plummeted during this economic crisis A lot of businesses are dropping their use of of the postal service just because they're going under or temporarily suspending their operations But their costs have actually been going up to keep the service running but also to address all the the needs of of protecting their workers. So there's two way too important ways where this overlaps with Medicare for all one is that people don't always think about this but the postal service is actually a very important part of our healthcare system Because they deliver prescription drugs to your house. Lots of people get mail order prescription drugs especially people in rural areas especially older people in central service with or without that is essential service and they were actually created in the US Constitution having a postal services considered foundational part of of our country. It's also one of the people are actually like staying in touch with each other while they're isolated in their homes but another thing and this is something that a lot of people don't know about. Is that useful service? Receives Zero Tax dollars? They're fully funded by the stamps that you buy but they have been financially hemorrhaging since two thousand six but only because of a bill passed by Congress so Congress in two thousand six that requires the postal service to prefund retiree. Healthcare costs seventy five years in advance. This means they have to estimate what their retiree health care. Costs are going to be seventy five years from now and they have to have that money in the bank. Right now So it it causes an immediate financial crisis. Obviously no business in the country in the world is required to do this or does do this. Even if they're being very fiscally sound you know. How do you even project? Healthcare costs seventy five years into the future. I'm not sure we're going to have healthcare system in seventy five years so if you have experienced if you had bad experiences at your post office in the last fifteen years like maybe you've had to wait in long lines or something. This is the reason why Basically postal workers who haven't even been born yet higher having their retirements fully-funded exactly. Yeah this is like four generations in advance Because of that they post office immediately had to do staffing reductions they had to shorten their operation So this is why we have these long waits in the post office so do not blame your post office. Blame Congress And so this you know they were already pushed to the brink by this weird health care requirement that was imposed on them. And obviously if we had medicare for all they wouldn't have to prefund retiree healthcare costs because they're retirees would be covered so there is a petition out there to demand that Congress Support the Postal Service The relief bill that passed Did Not include any support or Or you know funds to help the postal service keep going even though all these other industries got bailouts like you know the other like infrastructure industries like You know like the air airline services so We're GONNA send you guys. Were put a link in the show notes But you can also just look for you know. Tell Congress during this pandemic support our postal service our public postal service and there's a petition up on the Action Network that we really encourage you to sign and we want to stand in solidarity with our brothers and sisters in the.
"medicare" Discussed on Medicare for All
"Right here this is not about politics can help emergency can't wait brought to have some theoretical face about the better. Well never ever thought we have been reporting repaying early in Europe and this matter of Medical Camp Ross physician that means you have a right to come to my house and conscripts you do believe in Slavery Lever Benjamin Day Nine Stephanie Nakajima and this is Medicare for all the podcast for everybody needs healthcare except for the creators of the Iowa voting APP. I'm not sure I even need to ask you why you're leaving leaving them off. But do you have any specific reason. Well they did help us. Kick off the primary season with an epic blow to faith in our democracy but also a blow to capitalism Eliza as the solution to the problems of democracy. I well put silver lining democracy is so overrated. Anyway I mean so as you were saying I mean a few things have happened in this past week since our last episode there was the Iowa caucuses epic debacle. There was an impeachment. Vote in the Senate. There was a trump's state of the Union address which we all enjoy listening to There is a new Hampshire Democratic primary debate because As we are recording this the New Hampshire primaries are tomorrow as you're listening to this they are right now happening right now and most importantly of course the Oscars happens on Sunday. So my question for you. Stephanie is what was your highlight of your last week. Even if it had absolutely nothing to do with any of those things Well I'm just going to be basic and say that actually parasite winning best film was the highlight straight up moving. I I did. And it's just a whole thing about you. Know Asian representation in media. It's really really bad. were either martial arts masters freaky not ask ghosts and horror shows or in the case of women like sexual curiosities or cutesy like personified. Hello Kitty's or both so for me just amazing to see a story. I come out of East Asia that deals with universal themes of here human experience experience that resonate with a Western audience. That was quite a pitch. I have not seen the movie but I did watch the Oscars and they cleaned up. They clean up in all the categories. They were single singlehandedly. Like taking on Oscar so white. If it weren't for that movie the Oscar would have been trouble this year a lot also so for my highlight of my last week. One of my New Year's resolutions I don't really make make like a new your to do list which is so lame but so me And on my list to master eggs benedict and the hardest part of the eggs benedict is the holiday sauce. And I've tried multiple times. My My holiday just tends to break so the you know the butter separates from all this stuff and it looks like you have a tiny little EXC rambled eggs sauce which is disgusting but over the weekends it held together and it was beautiful delicious and very bad for my calorie count. Oh my goodness major. Achievement bent nores holiday sauce packets. No you don't do it. A dollar ninety nine market basket. That's cheating I can't I can't I wouldn't satisfy my new year's resolution so I guess us we're going to jump into Iowa I so one of the most interesting things. Coming out of the Iowa caucuses Aside from the election outcomes was that Edison research funded by the Washington Post Did entrance polling. So this is where they serve people who are going into actually vote talking actual visit. Is it so entrance. Pulling an exit polling tend to be the most reliable more so than just like calling through phone banks and trying to figure out who is voter and who's not a voter and asking them questions And they asked I o caucus-goers whether they support Medicare for all but because this was a Washington Post poll The wording was highly I'd say antagonistic towards Medicare for all this is the question they asked. They said How do you feel about replacing all private health insurance with a single government plan for everyone they don't use the word Medicare for all which pulls very well nonetheless six out of ten Iowa? Voters said. Yes they they. They support Replacing all private health insurance with a single government plan for everyone take away from that only because they've been inoculated against that argument it already because the Washington Post has been using it for the past year and I think it that poll sort of belies the establishment narrative that supports ports of that single payer plunges support for single payer plunges when people realize that means getting rid of private insurance. It's always interesting. I think these polls also test what happens to support for Medicare for all when you tell them at take something away and they never test when people find out that it actually. Yeah well you gain that you get you know get your co pays and deductibles taken away or you still get to see the doctor of your choice and actually your doctor. Twist of course expanse because it eliminates networks Would love to see polling on that. Yeah and I mean. Some people claim that it's polling. Like what happens when you when you add details to what happens with a metaphor plan but in reality. A lot of this is just opposition research. So they're testing. What are the lies you can tell about Medicare for all that work the best and and what they found generally is that if you scare people that they're gonNA lose Medicare that works effectively the Mecca? They have right now under Medicare for all ironically And then if you scare people about losing their private health insurance that's the other thing that works really well I'll also ally And of course using this framing of like government run in healthcare tends to scare people off so po just kind of combined together all those opposition research findings into one question and yet still six out of ten Iowa Caucus Photo voters supported. It and to me was interesting is that that is way way. More voters than voted for Bernie Sanders or Elizabeth Warren. Right this is clearly quite a quite a few biden. Supporters Butcher Spurs I mean especially supporters into really well in Iowa any other takeaways from Iowa before we move Yvonne to the wretched state of the Union address. No but just to add on to what you're saying about that. I think Medicare for all suffers from political political feasibility in the same way that progressive candidates suffer from concerns about electability So I think that in the same way that candidates it's can benefit from mental so can progressive ideas like Medicare for all. Because you know people they may support Medicare for all but they think it's not politically feasible people and then when they see that it does become politically feasible than they can jump on the bandwagon. So I think that you know the polls that show. There are people who voted for P. Booed ejb or some more moderate moderate candidates but also do support Medicare for all can easily be captured by our movement wants the momentum is going because they're not you know. Ideologically opposed a Medicare for all and Lo oh and behold even a lot of independence vast majority of independent sport Medicare for all and not a majority of Republicans most most posed but a very sizable percentage of Republicans Republicans as well voters to. That's right and all the other fringe parties. I think. A thousand percent of Green Party Supporters Support Medicare for all so speaking of Republicans. Shall we transition so this week trump gave his state of the Union address in which I could not bear to watch. So we're going to have to rely on Ben's insights here I did read the coverage. Apparently among many of his trump straight eight up lies about you know his record on healthcare he claimed he protected preexisting conditions during his term that he brought down drug prices. An addition to that he also went full McCarthy on Medicare for all so. Let's listen to that clip and I suffered through this whole state of the Union address. Just so I could pull pull out the clips and you could listen to them in isolation but even the small sections are going to be a little bit painful but let's let's listen now but as we work to improve Americans healthcare healthcare. There are those.
"medicare" Discussed on Medicare for All
"Socialized medicine which leads to long waits for care. Lack of choice in healthcare rationing is never the answer see her planet team waggled Dot Com. I'm Susan Waco and I approved this message. I love how the voice over call the team Wagle though she introduced himself as wiggle. I really want to join team Wagle. I don't know why. So what do you make of this ad That's been being run in key throughout Kansas. It is unfortunate that you can't see the visuals because it just straight up nineteen eighty-four. Mum Mom starts as it's describing sort of the nightmare system of a single payer healthcare. I'm sorry socialized medicine You're you're basically in this underground Soviet era compound In this breadline or something. It's it's just extremely dramatic attic armed security guards like policing this long slow line of people shuffling along thinking Muse of you. If you know the band Muse cover art move very much That sort sort of aesthetic and then there's the dude who is Blindfolded sort of groping forward blindly walks through a door and then walks up to a precipice blindfolded and then at the end of the video falls off the precipice. I'm not sure what the Metaphor Metaphor is there. it's supposed to be government controlling. But yet he is walking blindly and falling into a pit of despair or something So anyway and really subtle music. Change their nascent. Matic Nice job. Tim Weigel So let's just let's plow through. Let's listen also to the Gary Peters Attack Ed and then we can kind of take this all together and try and make sense of at all So here we go. This is the better future Michigan ad going. After after Gary Peters ideas extreme their policies radical and Garry Peters is falling right in line Peter Supports Medicare medicare for all siding with radical liberals Gary Peters even supports the green new deal killing millions of jobs devastating Michigan's auto industry. He so liberal. He's voted with his party. Ninety four percent of the time. Call Gary Peters tell him to represent Michigan not radical Washington Washington liberals amazing. I wonder how many times the word radical was used in that compulsive compulsive use of that word. God I love how they assume that the the mainstream Democratic Party is is liberal. So you can measure someone's liberalness by how often they vote with their party But you know the one thing I appreciate about this ads. Compared to the partnership ones. They go really old school. It's like Affiliating thing Medicare for all with the left and with socialism That's like the old school attack on Medicare for all where the partnership is like trying to confuse medicare for all with with centrist ideas which is a confusing developments in our movement. I have to say So what do you make altogether of Why are they running? These ed's I mean. Is it going to make an impact. Do you think in these races. Well that is interesting. What you're talking about with the Titus Socialism you know I think Obama received more than than almost any President that we've seen and yet he was re elected immigrants. Yeah Oh my oh gosh exactly so I think the first takeaway is that socialism. I don't know if it's really gonNA work anymore I don't think I saw another poll the other day that showed that even when you you mentioned that Bernie Sanders is a socialist And makes a very small dent in people's public perception of him And also I think it says something about our messaging that you know. Our messaging doesn't really matter like whatever we say about it whether it's single payer whether it's Medicare for all whether it's socialized medicine all that stuff because I think that the opposition is going to frame even if we were fighting for a public option as socialism And you know we don't get to decide whether other opposition calls a socialist or not so. Yeah and I mean that was like the big thing I remember going into the CHARAC- fight Obama and and and sort of Democratic leadership made this calculated decision that you know if we push for Medicare for all now. We're just going to be characterized socialists. We're going to be like seen as left left as a takeover We'll pay you know all this costs. And then they decided instead to push a public option and they were still characterises Socialists They paid exactly the same political price just as we were talking about with this partnership ad as if they had pushed for the thing that would actually solve our healthcare system which would be the Medicare for all type system. Opposition isn't GonNa go with your focus. Group tested message. You can just forget about that. And this is the great thing about advertising is it's just basically the lying. Yeah I mean everything we listened to is just lying in both of these at Senate. Ads are kind of funny because they're trying to link These Democratic candidates who are actually kind of the center under more center right of the Democratic Party Both of these two senators Bully I believe is a former Republican. Who Switched Party affiliations to run in Kansas And to link them to like ABC and Bernie and Elizabeth Warren This great free advertisements for AFC all over the country it. She could run for National Office at some point because everyone knows her name calculation to tie the most popular politician in America Bernie Sanders with this person who is not nearly as as progressive. Or you know in our is good as as Bernie. So there's there's one interesting twist to both of these ads that we haven't haven't yet revealed then makes it truly bizarre and interesting. You know where I'm going with this so both of these senators WHO had attack? Ads Run against them for supporting Medicare for all. Do Not Support Medicare for all neither Gary Peters nor Barbara Bully are on on the the sanders bill in the Senate. They haven't cosponsored the bill. They have not been running on Medicare for all they haven't expressed support anywhere for Medicare for all so that is like the twist that makes these ads to me truly almost unfathomable like what is going on here. What's the dynamic it's also screwing up our our campaigns? Were trying to flush out candidates positions on medicare for all. And that's why we're you know we've been doing this. Bird dogging campaign so that we get them on video saying yes. I do support this bill or no. I do not support the bill. Although in there you could say in a way that it's helping the movement from Medicare for all in it all these candidates who are probably getting pressured by their constituents to support Medicare for all I mean something like eighty to eighty five percent of Democrats support Medicare for all by most polling And it's still strongly popular among independents usually upwards of sixty percent and then shockingly more than a third of Republicans even and Support Medicare for all. So you know all of these senators are GonNa have intense pressure to sport Medicare for all But now they're kind of paying the price for supporting Medicare for all even if they don't I kind of feel I wonder if it's going to start changing their political calculations if it's like well I'm already getting attacked supporting this. What's the reason not you too at that point right? It's probably just industry money right. Yeah absolutely I mean I think both are side and then the partnership side or the opposition side. They're both. We're both making a gamble. That revealing you know that this person does support Medicare for all. His person does not support Medicare for all is going to help are cause for us. We feel like making that reveal is going to cause pushback from their constituents to actually get on the bill and they feel like it's going to shit cost them politically And I think that The polls really are with us here that most people do support Medicare for all I feel like we're the strategy. Asia is one. That's going to work for us but I don't know how well it's going to actually work for the opposition I think that a lot of candidates will see that there The opposition is making in this gamble on tying them with Medicare for all and that I think could impacts you know how brave they feel about coming out for Medicare for all but ultimately I think that this this is a tactic that belongs in our court right and this is like the big question is does it help or hurt you to run a medicare for all and obviously that's going to be different state to state district district But by and large nationally. I think we've learned pretty quickly that you can run on this issue and win. And it's a populist position Which I think one of the big reasons for Donald trump kind of winning nationally was that the Democratic Party really retreated from? I'm in populist. Is kind of a broad rod phrase that includes some terrible right wing populism in some progressive like everybody in type policies But I think you know. The Democratic Party kind of leaned corporate for years and it just been getting destroyed and elections across the country So you know. I think we're finding over and over again that you can run on Medicare for all all even kind of working class more centrist it. It's not an issue that polls that is a left right issue all the time I mean we have like I think. Half of the Blue Dog Caucus in Congress is on board the Medicare for all bill in the house And that's because they're fiscal conservatives and Medicare for all saves money so it's not a traditional left-right thing but there is a concerted attempt to make it look that way to look like a left issue and shore up support on the Republican side. Because because they must also see that Republicans when polled actually support Medicare for all Either up to a slight majority or almost a majority. So yeah so this is super interesting And we're gonNA continue you know. Elections have just started again. Feels like we've you've been doing it for a year now already But the official primaries are actually rolling. Now so we're GONNA track how Medicare for all is being used by the How the opposition is trying to attack us? I'm also we're GONNA try and follow like the breakthroughs in the movement Elections are kind of a weird time for issue based organizing for social movement organizing It can.
"medicare" Discussed on Medicare for All
"Right here this is not about politics kiss is a health. Emergency can't wait. I have some theoretical face about the better. Well never ever. We have been reporting on prepaid daily in Europe and this matter of medical care Ross position that means you have a right to come to my house and conscripts believe in slavery lever. I'm Benjamin Day Stephanie Nakajima and this is Medicare for all the podcast for everybody who needs healthcare except for Michael Bloomberg Mike Bloomberg. What did he do this time? So so as you know. He's been running for president. You don't say I wish he was running out or something so elevated profile a little bit yeah and the. DNC has changed the rules so that he can participate and the next thing Without having as reaching reaching the threshold for donors That previous candidates had had to meet to attend the debates. I'm glad we're making some provision for billionaires because we haven't done enough for them yet in this country I think we should really ease their way into the process. All Right I agree with cutting Mike Bloomberg out of the Medicare for all coverage. I feel like usually I think that it's a solid solid Eric Policy. That everybody should have it. You know well like in Scandinavian countries whether rich or poor but if you can buy your way into the democratic debate stage then you can buy your own damn healthcare and besides we're cutting at least one personnel each week during the someone's gotTa go So speaking of the primaries as we are recording this the Iowa caucuses just just started today. So I mean it feels like this. Election has already been going on forever but in reality the election is just now starting. Today's recording this You'll be listening to it on Tuesday after the caucuses finished And if you're lucky enough to live in Iowa or one of these primary states not only are you just drowned out submerged with advertisements from the candidates but The Partnership for America's Healthcare Future Future. which is the like Orwellian slash dystopia phrase that That has come up. They come up with for the coalition that it was created basically to defeat Medicare for all so this is the Health Insurance Industry Pharma. This is the for profit hospitals. This is the Chamber of Commerce All of the powers of a line to try and undermine Medicare for all and they are actually also spending hundreds of thousands of dollars running ads in the primary states. It's and We thought we would actually Take a short break from all these candidates and talking about the candidates running for office and like like put a little bit of focus on the Partnership for America's healthcare future and how they're trying to undermine Medicare fraud shoe. Listen to this ad or sure. Okay Get ready to enjoy some good old fashioned advertising. We come from different walks of life but we agree on one important thing. We don't want WanNa be forced into a one-size-fits-all government insurance system. The politicians may call it medicare for all medicare buying or the public option. But they mean the same thing a higher taxes or higher premiums lower quality care politicians and bureaucrats in control of our health care. We can't afford one size. Fits all planned and we need to fix. What's broken? Start over so What was your first take? That was like a lot a lot of gobbledygook thrown at us in the span of thirty seconds. Every single possible talking point smashed into thirty seconds sometimes sometimes repeated two or three times. You know you don't you shouldn't be afraid of one. Size fits all healthcare. I don't know if you've ever had it before. It's like a ill-fitting sweater sweater. You know. When I lived in England everyone basically does have the same healthcare and it turns out? The comprehensive healthcare fits every single person. AH regardless of your body size. That's right. I mean every single person has a body. So I kind of like the idea of one-size-fits-all home insurance. No the name of this. This ad which you can see on Youtube is called same thing and actually what they're arguing. I think the main argument of the AD is that Medicare for all is the same exact thing as a medicare buy in and a public option. So why the hell are they renting this in in primary states like Iowa and what's the point of like conflicting those those two. I wonder any any expansion of public health insurance. is perceived to be threat. I think which is a strategic mistake on on their part I think because it rather than co opting One of the more more corporate solutions like a public option. They A. They'd rather just go all in against any sort of reform which I think is going to backfire on them. Yeah I mean they've they've stated that one of their goals the partnership schools is to keep Medicare for all and public option off of the Democratic Party Platform Twenty twenty which seems very unlikely given that every candidate it under stages backing one of those two And I I guess it's confusing to me like WH- every debate medicare for all. Is the number one issue in the presidential in and the democratic debate and all in the main thing they talk about is how different. Their healthcare plans are So people are constantly exposed. The huge gap between a Medicare medicare for all proposal and a public option. Buying and these guys are like running ads swimming upstream like trying to convince you that basically they're the same thing Another thing that struck me in there. I mean. Do you think that this is GonNa work. Like who are they trying to help one candidate win. Or what do you think. The goal is ultimately Emilia running these ads targeted at Democratic primary states. Yeah whatever their plan is It's not actually working all. The ads have not only failed to really make a dent in public opinion about single payer but they've also failed to prevent The more you're liberal candidates like Sanders and Warren. From doing well in Iowa on factor in fact sanders is surging right now And in two thousand sixteen trump won the IRA fifty one to forty one. And if the polling today is correct If you know we were in the general and Iowa was voting. Today he'd win by a smaller smaller margin against any Democratic candidate reforming from you know the public option. Democrats to the all out Medicare for all Democrats Democrats by only six point spread Went up against you know Sanders or Warren So what is the lesson here. Money can't buy you love. Yeah they haven't won my love yet. I wonder I mean the other thing that's interesting is they're kind of they're they're imposing the same. They're they're trying to punish certain candidates for running on these issues But they're imposing the same costs on candidate support Medicare for all and a public option. So there's there's really no disincentive for Democrats to support Medicare for all and it's also I think a lesson about how you know. I think the Democrats who are pushing a public option. They're saying thing. Hey look this more moderate choice. It's not GonNa get the full opposition of the healthcare industry right We're just going to tinker around the edges. We're going to expand access a little that we're gonNA try and do things here and there to not make healthcare right but to like expand coverage Maybe make things a little less horrible But they are actually really triggering the full opposition of the healthcare industry the same exact Resources and money and messaging that Medicare will fight gets So the establishment government is going to have to come up with another reason to taxing pair over a public option because in terms of political feasability I don't really see an advantage advantage anymore. Exactly this gets to the core. The most common pushback we hear on Medicare for all his political feasibility. And that's like a reason to do a public option instead it turns out that there's the same existential crisis in the healthcare industry. That and I mean it's worth remembering. The partnership is not just the health insurance industry. It's also also Pharma. It's also hospitals. It's also chambers of commerce and all of these groups have agreed to fight a public option equally to fighting Medicare for all so much so that they're running ads trying to convince you that the same exact thing which is incredible to me so next? We're going to look at it. A couple of ads been run. Also attacking Medicare for all Again I think premised on the notion that you can get something politically after going after Democrats for Medicare for all and or the public option. Same thing if you didn't the same exact thing And in this case we're looking at two Senate races in Kansas and Michigan So in Michigan Senator Gary Peters is being attacked by this pack called Better Future Michigan a right wing pack and in Kansas Barbara bully a a sitting. US Senator is being attached attacked by a Republican Competitor who's running for a seat Named Susan Weigl who is the current And this is incredible to me. She's the current Senate president of the State Senate in Kansas And we're GONNA listen to her at first because it is just almost unbelievable I'm I'm so sad you can. We cannot give you guys the graphics of this individual imagery. But we'll try and describe to you so I'm going to play that now. It's called socialized. Medicine also known as Medicare for all the government decides what doctor you can see when you can see Dr. It's expensive leads to long waits and about as efficient and your local DMV DMV and this is the Healthcare Warren Sanders Eos and Barbara Bully. Want to give you Susan. My family like many other families his hand. Our share of healthcare battles are manuals instilled in me a strong on commitment to provide a healthcare system.
"medicare" Discussed on Medicare for All
"This is a whole right here. This is not about politics. This is about health emergencies. Can't wait brought to have some theoretical face about the better idea. Well never ever we behind. Every Humphry Humphry pretty nearly in Europe. And this matter of medical care Ross innocent. I'm physician that means you have a right to come to my house and conscripts me means you believe in slavery. Anyway I am Benjamin Day and I'm Stephanie Nakajima and this is Medicare for all the podcast for everybody everybody who needs healthcare except rampal. Yeah except for Rand Paul. Wait a minute why not ripple the Rand Paul was the voice that you just heard in the intro reasonably pointing out that universal healthcare is actually just like slavery. Oh my God we can definitely out for this system. He's a doctor right right. He can take care of himself. Maybe Canada will have pity on him. He can apply. So we're here. We're making podcast. This is a little bit crazy but Stephanie. Why why don't you tell me? Why did you get into this Movement for Medicare for all I spent several years either underinsured or just totally uninsured until I basically moved to a country that had universal health care I moved to Tokyo in two thousand ten about I walked into City Hall to register stirrer my residency in the word and I was asked while I was destroying if I need health insurance which is like Oh are you handing that out and it turns turns out that they were I had no idea before I moved there that you could just sign up for health insurance in Japan. I'd been used to working jobs in the United States. That didn't give you health health insurance and I came to view it as a luxury item Even though I actually really needed health insurance I had asthma And my the second shock after realizing leising that could sign up for a public health insurance in Japan was that you don't pay a set premium and Japan so you pay just a percentage of your income and and at that point I was unemployed. I just moved there and so I got a full comprehensive public insurance. It wasn't like a bronze plan or like Shit it plan or whatever for the equivalent of twenty dollars a month. Now I'm here I don't know why no I'm the director of communications at healthcare. Now the National Grassroots Welfare Organization. Even though I was really comfortable in Tokyo with health insurance and I wasn't sure what was GonNa Happen with the affordable care act I my friends and my family Identity was still American and I wanted to come back and fight for them And Fuck up the insurance companies so ben tell me tell me about you. I also want to fuck up insurance comedies comedies because my story I actually got screwed over when I had health insurance I didn't lack insurance and I actually had decent health insurance I've been living in upstate. New York And I ended up Being admitted to the hospital for few days with a panic disorder kept having panic attacks. Although although I didn't know that that's what they were I thought I had some terrible physical illness. And actually my doctors misdiagnosed me. A bunch of times And when I was being discharged From the hospital my doctor sat me down and he said you know. I don't want you to freak out panic CIA but your insurance company is not going to cover your stay in the hospital. They've denied your claim And I didn't freak out until I got the bill which was about four thousand dollars At the time I was earning fourteen thousand dollars a year so so it might as well have been four million to me So when I moved back to Boston shortly after that and this whole fight with the with the health health insurance a company I haven't organizing background and I found this organization called mass care. They were The Massachusetts single payer nation. I didn't even know there was a social movement in the United United States to win. Healthcare is a right And I was like ready to fight. I was ready to go so they hired me and this was almost fifteen years ago. And I've been a fulltime organizer in in the mood for Medicare for all ever since right now. I am the director of healthcare. Now an organization you may know as one you also work at the desk immediately next to yours We work out of Boston. And you know we decided to do as podcast because we wanted to kind of let the public in All the amazing news that we hear around the country about the fight for Medicare for all the organizing that people are doing and just You know how far we've come since I started those fifteen years ago but also how hard it's going to be to get it over the edge one of the reasons I'm really looking forward to this. PODCAST is because I think there isn't really consistent pro Medicare for all voice right now For people to hear to go to for a clear understanding of Medicare for all or For reference point four how to understand like the news they're hearing about Medicare for all attacks and what different you know. Candidates are saying The mainstream media isn't really faithfully reporting on this issue They report on it. They're very centrist Lens and sometimes with a very obvious bias. And we're here. I think to dissect the the news. We already do this every day. Sitting next to each other and the offense that we thought why not just stick Mike in front of us and then at least other people can wasn't in on the conversation station And so we're here do that to look at these attacks through the Lens of you know frankly the rest of the world at already has universal. Healthcare debate is ridiculous. I I don't think you even need like a pro medicare for all I would settle for like a balanced dot totally pro healthcare Industry Lens. So we're going to cover a few things with this. podcast cast one. We're going to go over the big political fights over healthcare Both at the national level obviously in Congress Medicare for all has really gained steam but also at the state state level which You don't hear as much about often but that's where a lot of the fight is happening. Also we're also going to talk about like the big breakthroughs in the social movement. Meant to make healthcare right. Big Organizing Victories This is never covered in the news but we hear a lot about it and it's our job actually to coordinate the grassroots efforts around the country and then we're going to break down like the constant total stream of bullshit that ends up being pushed into the media about healthcare era and Medicare for all. And it's honestly I kind of see this. This podcast is like a form of personal therapy for me so I can like event unlike. Get all this stuff off my shoulders. I don't know about you but this is already been Cathartic. Yeah I'm feeling a little bit better already. It's just going to be better from here so please everyone everyone Thank you for joining us on this journey Share on social media. That we're here we're alive we're GONNA be coming back to you next week with content and please tell everyone you know because we are coming..
"medicare" Discussed on Your Medicare Benefits
"How would you really like to understand the difference between a Medicare Advantage program at a Medicare supplement program? Whether you're new to Medicare for the first time or curly looking at open enrollment or thinking about switching this particular podcast is exactly for you. Welcome to another episode of your medical benefits, presented by Tracy mcmanamon, president of one source benefits with twenty nine years of experience in Medicare. Tracey takes the confusion out of how Medicare works and shows how to make it work for you. I especially love when customers commit to my office or prospects. And they bring in a box of pamphlets, folders, whatever from all the different insurance companies are trying to solicit their business. And they say helped me understand this. I don't get it to get information from the federal government. You get information from all these insurance companies get information from a ton of agents, and they just drop it on my desk. And they say, I don't get it. What's the difference between the advantage program in the supplement program? Well, we're going to cover that. But I also have some tools and some items that I'm going to give away to you. If you go into this show notes, you'll see link that you'll be able to download the information printed off at home and be able to have this handy or simply call me, and I'll be glad to go through this in great detail with you. But there several different distinct advantages that you should know about when you're evaluating whether an advantage. Program or a supplement program is the right program for you or someone that you cared deeply about now the advantage program it it's all over the that. There are plans that are free as they say on TV or zero premium is really the term that we're supposed to use not free but zero premium. That includes some include dental vision, drug son include hearing, certainly the medical portion of it. Some of them are HMO some of our PPO's. Okay. I'll stop there. I lost you already probably some have a premium associated with it and some do not which ones right for you. Is my doctor in the network. What if I'm traveling what if I go to visit my grandchildren? Am I going to be covered? What if I get in an accident? What if I go on a cruise ship or go out of the country is Medicare going to cover me? Well, these are all the questions that you should know about and be able to have someone that you can trust that you can call opera text, which is how I get most of my questions. People text me their questions about Medicare. And I just respond to them. About what the right type of plan is for them the supplement program the same thing. Now, the up program is medical only does will it cover all of the out of pocket expenses of Medicare. That is not covered. The answer's yes. Some will some won't. What's the premiums? Am I going to be underwritten? You know, these are all questions that have to be discussed with someone. And I just encourage you, whatever you do don't put your phone number and your Email address onto a website all those places or call centers or carriers, which is a call center. And all they wanna do is sell you a Medicare policy, and that's it two days from now, you have a question you wanted to talk to the same person that you talk to today's earlier guess what we don't know where they are. I don't know how to reach them. I can't transfer you. How can I help you gotta start over and over and over again, and it just becomes a nightmare. So there are. Are some very very distinct disadvantaged disadvantages to the advantage program. And or the supper program, there are some advantages that are very very important to you that you understand on both programs. What about Medicare Part d her all about drugs? How do I get my drug card? Some plans include them and some do not. So it's really important. And I really encourage you to call and talk to someone that you feel that you can trust. Because you know, what your situation is totally different than your next door neighbors or the person across the street, and you can't just go to a website or talk to some call center person in whatever part of America or outside of the United States that wants to do nothing, but sell you a policy move onto the next call. This is too important folks understand the difference. Finding out what plan is best for you, a true professional will listen to your needs. And then make a recommendation to you and. Then if they're really good they'll help you enroll, and that's exactly what I do. And I've been doing it for thirty one years. Most of my business is referral business. You won't find a quoting tool on my website that you can run your own quotes. Because frankly, if you're just looking to run quotes there are other opportunities for
"medicare" Discussed on Your Medicare Benefits
"Again treatment free for the last two years. Not a problem. Now, again, you you can't have nine different health conditions. But yet one of those was cancer, and it was seventeen years ago. You know, they're still going to be some other underwriting factors that are going to come into play. But so many people. Once they've had a difficult health condition. That's normally or I shouldn't say normally, but that's many times, they're only health condition and their treatment for either taking care of themselves. They're not smoking there. High. Wade is very good there. Plus hall is good and you know, lifestyle conditions. We call them are all very very good. I just can't wait to call some of the people back that have called me over the years and said, can you help me I had leukemia six years ago. Well, now, it's just two years. If it's within two years, I can't help them. But if it's two years or more, I'm going to call those people and offer them this particular program. This carrier offers all of the plans that you would be most interested in certainly plan F plan G in most states, not every state, but in most states clan is another good plan. So let's talk about it. Let's see if we can help you get out of that bad. Situation that you might be in you've been wanting to change Medicare supplements. Now's the time you've been wanting to get out of that Medicare Advantage program. Now's the time give me a call. You know, if you've heard my other podcast, you know, offer free consultation. I don't charge a fee, we get paid by the insurance carrier. But I'm here to help people. I've been at this for thirty years, and I want to help people as much as I possibly can. I've been blessed already. I'll continue to be to be blessed. If I help people the right way and do the right thing. So give me a call. I'm on eastern standard time, I'm at eight seven seven five four nine one two one two eight seven seven five four nine one two one two or go to my website, one source benefits dot com, again, we'll tell you who the carrier is. But I'll submit the application for you with your assistance. We'll find out what they have to say. And then finally finally you may be able to get out of that bad situation. Medicare's great deal. Medicare is awesome program. I love Medicare. That's why I've devoted so much of my life to better care. But over the past many many years there was nothing I can do while Dow can let's give it a try eight seven seven five four nine one two. One to thank you so much. God bless you. Thank you. For listening to another special episode of your medical benefits with industry expert, Tracy mcmanamon to take advantage of the free consultation session on your own Medicare benefits. Call him today at eight seven seven five four nine one two one to thank you for listening. And God bless you.
"medicare" Discussed on Your Medicare Benefits
"Welcome to another episode of your medical benefits, presented by Tracy mcmanamon, president of one source benefits with twenty nine years of experience in Medicare. Tracey takes the confusion out of how Medicare works and shows how to make it work for you. Hi, thanks again for tuning into your Medicare benefits where we deal exclusively with Medicare Medicare benefits Medicare supplements and Medicare Advantage programs today, I'm going to share with you some information that is very timely because this is what I get asked. Every time someone is new to Medicare or is looking at open enrollment for Medicare. So that open enrollment period is usually in the fall. But this is the time where you should know the answers to these questions before you make that decision. You know, most people once they make a Medicare decision their Medicare insurance. They normally don't change. But if they do want to change they really need to understand what some of the ramifications are especially when selecting their initial Medicare coverage because sometimes they may not be able to make a change if. Their health deteriorates. So what I did was I developed a checklist that I actually hand out to people how Senate to you, of course, no problem, and you should print it off. And record the answers yourself when you're interviewing your broker about Medicare. You should ask these questions to him or her. And if they don't know the answers to those questions than you really should find somebody that does because these are basic, but these are critical important questions for you. Now, these are not in any order. I'm going to go through them randomly, but on the checklist that I developed they're very important that you get each one answered because if you don't you could end up selecting the wrong Medicare plan, you know, I had a gentleman come into my office recently. And unfortunately, he contacted a call center, and they sold them their plan. Well, his health deteriorated. And now he. Cannot make a change in his health insurance for Medicare forever because of his health situation. So we don't want this to happen to you. You've got to get this. Right. The first time, and I'm gonna give you some tips on making sure that you do that. So here the questions, I'll give them to you. And as I say if you call me at eight seven seven five four nine one, two one two just Email it to you. You can also go to my website, one source benefits dot com forward slash blog. And that's all spelled out. Oh, any source benefits one source benefits dot com forward slash blog? This information along with a large number of other helpful tools are contained in my blogs. So here we go. Question number one. And again these are in random order, but these are all important. This is when you're comparing Medicare Advantage program versus medic medi gap program or also the Medicare supplement medi gap and Medicare supplement, by the way, folks are the same thing. Here we go. Number one is my doctor or hospital in the network. You got to know that it is changing rapidly. Some of these networks are shrinking so small. It's unbelievable. You could go to the doctor next door. But you can't go to the doctor across the street or you might wanna go to a different hospital is that hospital going to be in network, very important question. So when you get ready to go see an interview someone or talk to independent Medicare broker an expert. They should know the answer to that question. Very very quickly because we can pull it up on the website and find out what if question number two. What if I need care at a different facility? Let's say I go to the local hospital, and they say, you know, what we just can't treat you here. We need to send you to a specialist. Let's say the Cleveland Clinic for heart procedures or Anderson hospital for cancer or Johns Hopkins hospital because you have something special or. Or whatever that may be will that facility be in network. You gotta know those kind of questions number three do I need a referral to see specialist. Oh my gosh. So many people think that their primary care can do it all, but what happens if they have any type of cardiac problem, and they need to go see cardiologists. Well, some of these plans you've got to get a referral to go see cardiologists, and it may not be the cardiologists of your choice. So do you need to see do you need a referral to see specialist? Here's an important question which Medicare Advantage programs, and what Medicare supplement programs do you offer? Now, if you call some of these folks that you see on TV all the time guess what they're only going to offer that particular product or that one insurance company, you really need to get about five different carrier quotes from diff-. Companies some of the companies you may not ever hear of some. Hopefully, we'll be on the list are name brand companies or national companies that you've heard of but you really need to look at. Maybe maybe five is too many probably three for sure you need to get three different quotes and ask these questions on all three of these different. Programs. How about this question is their premium charge? And if so is dental covered what about vision and don't just ask is it covered. You wanna know what is covered in dental, or what is covered envision a lot of these companies say all we cover dental and vision, but guess what they give you an eye exam for ten dollars big deal. But they don't give you any hardware glasses lenses context thing with dental. They might give you a dental cleaning once a year, but that's not really a huge deal. You can buy dental insurance or vision insurance and just talk to your broker about that or give me a call. Glad to help you you know, number six is kind of a funny one, but do you offer silver sneakers? What's what's silver sneakers, silver sneakers is a nationwide program? Specifically for senior citizens that offers free gym memberships around the country. I had people just had one about a month ago. He switched insurance carriers because that one insurance carrier did not offer silver. Sneakers and he was paying forty two dollars a month. I think to go to the gym and silver sneakers free. So asked that question, it may not be a big deal for you. You may not be Jim person. But it might come into play. How about this number seven? Is there a household discount? What if my wife, and I take a Medicare policy with the same insurance company? Do we get a discount?
"medicare" Discussed on Your Medicare Benefits
"Welcome to another episode of your medical benefits, presented by Tracy mcmanamon, president of one source benefits with twenty nine years of experience in Medicare. Tracey takes the confusion of how Medicare works and shows how to make it work for you. Welcome. Thanks for joining me again today. I can't believe how many changes are occurring in the Medicare world. And today, I want to announce a really really exciting change that's going to happen in two thousand eighteen probably around April will start to see the roll out of this. But I can't tell you how many people that are on Medicare talk to me about an asked me the question. Why is my social security number right on my ID cart? They really don't like that. They don't like carrying their social security card. We've now been programmed for the last several years not to REVEAL OUR social security number let alone carry in our wallet. Well, I have good news for you. Stay tuned. This is going to go over the big change in Medicare one of them. Anyway, for twenty eighteen in fact, there are so many coming out. The new premiums for Medicare Part B that duck doubles are they're going to change. We don't know yet. But we'll find out probably the next couple of months. So here's the big change that I'm aware of at this point for twenty eighteen. Your medicare? Ide- card will all be changed. Everyone in the country is going to get a brand new Medicare ide- card or Medicare insurance card as you call it because your social security number is finally going to be removed from those cards. And now they're going to have something called a Medicare beneficiary indicator or an M B. I so what's the NBA the NBA? I is a randomly assigned eleven digit number. That means nothing to you. It can't be your. Birth date and your couple of initials or your children's aunts uncles ages or anything like that. It's going to be a computerized randomly assigned unique number two just you. So people will not be able to figure it out it'll be eleven digits long. So what does that mean everyone that's on Medicare or newly applied will start receiving new Medicare insurance cards, beginning April twenty eighteen now don't panic because not everyone's going to get their card in April or may or June or even maybe even twenty eight team because it's going to be a gradual rollout across the country. So it's supposed to take about a year for to be fully implemented nationwide. Whether that happens on time or not remains to be seen. But we're being told that beginning April twenty eight teen new Medicare cards will come out what you should do. You should throw away cut up. Shred your current Medicare card or place it in an area that no one's ever gonna find it. Hopefully, you will. But no one else will be because it's got important for mation yourself security number. Probably maybe out of ten Medicare clients that come into my office to talk about their existing plan. Nine of them bring that up when are they ever going to get away from the social security number being my Medicare number now, not only are you going to be getting new idea cards, but all of the providers doctors hospitals to clinics. What have you all will be able to accept the new M B I, beginning April part of the reason it's taken so long, quite frankly is because the providers have had a change their systems. So that when this card is sent to the public. They will be ready for that. Don't worry, they'll still take yourself security number and your in your Medicare number which as you know, is your social security number plus letter, they'll still be able to take that. But begin to use the new car the NBA number because over time the card with your social security number will be discontinued, and you will be required to use. Your new MBA card now, can you imagine? I don't know how many millions of people are currently on better care. And so that's why we've got to be a little bit patient with all this. But it will happen. You will get a new ID card in the mail, please put it in your wallet right away. You know, I have one wish on these Medicare cards, and that is it doesn't come out in a simple plain paper format the way it is today. Hugh should see the cards that come into my office when people pull them out of their wallets their food stains on their rip. They're torn they're bent. It's just ridiculous. When you think about your health insurance car that she used to get remember the days when they were plastic. Well, now, they're a different kind of plastic, but they don't care or soil as easily as the cards that are out there today. So that's my hope is that they become more sturdy card, whether it be stronger paper, or whatever we'll we'll see. They haven't told us. There's been no designs released yet or anything like that. So it all remains to be seen. Exactly what those are going to look like now think about this. Most of us carry our Medicare card in our wallet, right or are poppers in that same wallet or purse is your driver's license, which in most states also has your data birth. Certainly has your photo it has your home address, and it has your driver's license number. Now, I'm not a hacker or a thief, but think about that. That's exactly what these hackers and these these are out to try to steal when they want to steal your identity. They've got all the information in one spot, and if it's not a driver's license. Well, if you're a Medicare recipient, it's red on your Medicare card, which should probably be in that same wallet. Will finally that won't be a concern of yours anymore. Okay. They still going to get your driver's license. If someone steals your wallet or your purse, which will have the other information, but they won't have your social security number. Now, you know, just research. Gently equifax one of the largest data companies in the world was hacked. Can you believe that they were actually hacked? I forget how many millions and tens of millions of people's personal data was compromised, probably mine and possibly yours. What they do with it. The the hackers remains to be seen. But it just shows how vulnerable our systems are even a company like equifax has been hacked. So it all remains to be seen. What's going to happen? If they do anything with that compromised information or not, but at least now you have one thing that will not be out there for everybody to see and that's your Medicare card with your social security number. Thank god. It's finally come come out. And I just hope I pray that those cards are a little bit sturdier than the ones that we are issued nowadays. So don't panic again, don't call Medicare don't talk to your provider, your insurance carrier, or whatever. But that's going to be one of the big changes that will occur in twenty eight teen I expect the part B deductible to change. I don't know. What are how much and I also expect the part B premium to change again. I don't know what are how much now remember when they calculate your part B premium. They look back two years at your tax return. So that's the. Income figure they go by is two years prior. So keep that in mind. Okay. So those are just some of the big changes the other big change that is going to occur, and you may not be aware of this. But if you have a Medicare Advantage program. You really have to understand what may or may not happen to your network of facilities, doctors hospitals. What have you? We've been told in if you Google it. You'll find out that the networks on the Medicare Advantage programs are getting smaller and smaller and smaller. And so I'm not saying that yours will or years will not. But you just have to ask the questions. Okay. So those are the changes that we see right now that are going to occur when we get further information about the part B premium, and or the part B deductible will send out another podcast if anytime you ever have a question about Medicare. I'm all about Medicare twenty nine years. Call me directly. I am not a call center. I answer my own phones. How about that? You can call me directly at eight seven seven five four nine one two one two eight seven seven five four nine one two one two. Check us out on the web one source benefits dot com. Thanks have a great day. God bless you. Thank you. For listening to another special episode of your medical benefits with industry expert, Tracy mcmanamon to take advantage of the free consultation session on your own Medicare benefits. Call him today at eight seven seven five four nine one two one to thank you for listening. And God bless you.
"medicare" Discussed on Your Medicare Benefits
"Medicare and Medicaid policies. Don't cover our drugs. So you have to buy a drug card party. Try care, by the way is not a Medicare supplement policy. What about vision hearing as dental eye glasses private duty nursing? Those are all things that are not normally carried in a Medicare supplement policy some carriers. Offer you discounts and the discount actually quite substantial looked at one the other day for a hearing aid or four vision, for example. So call me, and I'll be glad to tell you which one of those carriers do offer that. But those are some things that are not covered. Now. The probably the most chilling question. I get is what if I get really sick. Can they cancel me? The answer is very simple. The federal government is very very good about policing these carriers and these policies, but you cannot be cancelled unless one of three things happens. You lied on the application. You did not divulge some information or you don't pay your premium. Those are the only three ways that you can have your Medicare supplement policy cancelled. Stop paying your premium. You worked truthful or the insurance company becomes insolvent or bankrupt. Now, we haven't seen much of that lately. There was one this year pretty big one actually, and it was rumored to go bankrupt for a long time. So I think for the last few years several people steered away from that. If that happens the federal government steps in they will not leave you without coverage. They'll work with you to get you covered to get all those policyholders covered. But those are the three reasons insolvency or bankruptcy of the insurance company. Do not pay your premium. Or you've lied or falsified the location just a small tidbit. I normally courage people to just put their Medicare supplement premium on a Bank drafter credit card. Then you don't have to worry. Let's say you go to Florida, and you're visiting the grandchildren, and you decide to stay an extra couple of weeks and your supplement policy is do what do you do? And you forget to pay. Well, if you have it on auto draft, then you don't have to worry about that. Lately, I've had a lot of people come into my office and say, I don't take any medications or the medications, I take are so cheap. I can get them at WalMart or wherever for four dollars. I don't really need a drug card. But you need to understand what happens if you don't buy drug card during your initial guarantee issue enrollment. They're penalties involved, which you could end up paying for the rest of your life. So you need to be sure that you look at the drug card and and selected drug card because of the penalties that are involved. So what do you do if you're new to Medicare? Well, first of all, you gotta make sure that you get your Medicare Part a card you should already have it by now, if you're within sixty days of if you're Medicare date Medicare policies are always affective on the first day of your birth month. So if you're born on the thirtieth of the month, your coverage starts the first of that month. You also have to make sure if that Medicare Part if Medicare card has Medicare Part B auto enroll if not you have to call the local social security office and enroll in Medicare Part B you need to do that right away. If you're within sixty days you need to make that appointment. Once you have Medicare Part A Medicare Part B, it's gonna say that on your card, then you're able to purchase a Medicare self in policy. But you can't do it without the Medicare Part A in part be affective date listed on your card. So that's all confusing. I actually wrote a handout, which I'll be happy to Email to you. If you call me eight seven seven five four nine twelve twelve eight seven seven five four nine one two one two I'll send that right out to you via Email this guide that I wrote on how to enroll in Medicare. How to get your part b the phone numbers to call the websites to go to and so forth. It's very very handy. I compile it after working in the Medicare world for twenty nine years now. So the last thing I wanna share with you is to take advantage of something that I only offer to my listeners, and that is an exclusive free consultation on Medicare and how to enroll. There are lots of things that you need to be aware of. And you're never gonna get them all down by reading all the brochures that are coming in the mail. So wouldn't it be nice? If you could just talk to somebody that's done this for a long time. It my case twenty nine years and find out what you need to know about Medicare, and what's going to be the best way to enroll. To pay for and to be satisfied with your Medicare plan. Not only that by the way, I service Medicare recipients had been Medicare people throughout the year. Now, we do things right. The first time we don't have a lot of service issues. But if you run into something you call me, that's what I'm here for you're not gonna call a call center and that person's. No longer working there. This is my own company. I am the owner. And I'm the one that you would talk to so call me today. I offer free consultations help you understand Medicare and help you enroll in Medicare something policies by calling eight seven seven five four nine one two one two eight seven seven five four nine twelve twelve. This is Tracey mcmanamon. Thank you so much. God bless you. Thank you. For listening to another special episode of your medical benefits with industry expert, Tracy mcmanamon to take advantage of the free consultation session on your own Medicare benefits. Call him today at eight seven seven five four nine one two one to thank you for listening. And God bless you.
"medicare" Discussed on Your Medicare Benefits
"Welcome to another episode of your medical benefits, presented by Tracy mcmanamon, president of one source benefits with twenty nine years of experience in Medicare. Tracey takes the confusion out of how Medicare works and shows how to make it work for you. Hi, thanks for joining me. Again today today, we're going to really dive into what is a Medicare Advantage plan. And I'm gonna lay out the pros and the cons of the Medicare Advantage plan. And so this podcast is going to be strictly limited to the Medicare Advantage plan. I am doing a subsequent podcast on the Medicare supplement plan also called the medi gap plans. But if you're looking at Medicare for the very first time, you are more than likely being inundated with mail phone calls postcards emails from insurance carriers offering you Medicare Advantage or Medicare supplement program. So in today's program, we're going to exclusively deal with the Medicare Advantage plan. And maybe you want this, and maybe don't now we're not going to get into what one carrier offers over another carrier because. We're not allowed to do that number one by law. But number two, I think you just need a general overview of what the Medicare Advantage program may or may not do for you. Because if you're watching the TV every other commercial seems to be a Medicare Advantage plan or now they're promoting the Medicare supplement program, and by the way, the Medicare supplements outweigh or in popularity anyway the Medicare Advantage plan by a significant margin. So let's talk about Medicare Advantage programs and to confuse you, hopefully, a little less within the Medicare Advantage program. There's something called the regular Medicare Advantage program, which are the ones that you normally see advertised on TV for zero premium no cost, and there's also some called the select Medicare Advantage or the regional Medicare Advantage program. And they do have a cost associated with an explain that in a few minutes. So what really is a Medicare Advantage program? Well, when you turn sixty five and assuming that you've already. Had some knowledge through my previous broadcasts of of what Medicare parts ABC indeed do for you, and you likely have Medicare by now, and hopefully you have Medicare be by now. Now's the time to decide how do you want to be your claims to be processed going forward? So you could just essentially have Medicare a and b guy Medicare is free, as you know, cover some hospital charges the operative word being some Medicare Part B covers some hospital sucked. Charges me some doctor charges and again, the operative word being some, but there's all kinds of co pays co insurance deductibles out of pockets, and so forth excess charges that you could be involved in. If you just have Medicare parts a and b b likely have to pay for a free those claims would be paid for by the federal government. So if you go in. To the hospital, and you only have Medicare NB they send the claims directly to Medicare. So what is the Medicare Advantage program? Well, what the Medicare Advantage program does is that replaces the claim payer from the federal government to an insurance company like mutual of Omaha at bluecross blueshield, a carrier like that. Okay. So they just. You go to the hospital. You have claims the claims now go to this insurance company that you have selected to be your Medicare Advantage carrier. So that's really truly the major difference K. So. With Medicare Advantage programs. You also in some cases and put this on the table right now, you also have some dental and or some vision benefit and some even give a hearing aid either benefit or discount, and I say some because not all carriers have the exact same thing. So if you were to watch TV call that insurance company and say, hey, I watch your Medicare Advantage program. And they say, oh, great. You get this for free and the discounts on here. But if you don't know what the other carriers are offering you're missing the boat. So my suggestion is don't call those insurance companies and don't call the associations that are marketing. The advantage program because the only represent one carrier. You've got to find out what is carrier ABC in Diaw 'ring. To me, whether it be what we call the answer. Larry like dental vision or hearing aid. But is there anything else? Okay. So you don't wanna just call directly to that insurance company because you're not going to get the full perspective of what's out there. Not all carriers offer that but some do and the other thing that some carriers will offer on the Medicare Advantage is some drug benefit now. Again, you really have to look into this the drug benefit has called part D as in drug, but you really have to look into this to see what is truly covered. And in some cases, where can you get your medication from you may have to only go to one or two different preferred pharmacies to get the discounts. So again, you've got to look at all the different than all of them. But you know, the top four five carriers out there to see what they offer what are the bells and whistles do. They offer dental vision or indoor hearing and what about the drug what about the drug benefits? Okay now. I'll stop you right here because I'm sure that's a lot to cover and tell you that. You're welcome to call me if you wish. And I will lay this all out for you in plain English tell you what carriers in your zip code or your county or your state do this or that. And whether they cover those other benefits like dental vision or drugs. But if you don't wanna call me, that's fine. Call an independent insurance agent that you know deals with Medicare and someone that is advantage certified first of all because there's a special license that we have to secure every year to be able to represent advantage carriers like mutual of Omaha or at or anyone else, and this is special certification that we have to go through. And it's it's pretty difficult to be honest with you, but the independent insurance agent that has the certification will certainly be knowledgeable because the training is actually exceptional that we take to recommend suggest. The different Medicare Advantage carriers to you. Okay. So that's in a nutshell. What that really means? Now, I mentioned earlier what is the difference between regular Medicare Advantage and select it's huge. The difference is the networks under the regular Medicare Advantage programs and more than likely the ones that you see ever touched on TV that are zero premium means that your network your access to doctors, and or hospitals is very very very limited. May only be your zip code it. Just it's all different every carrier has a little different rule in terms of how that works and how that plays out. So the advantage program that's zero premium has a very small network, and you also need to be aware that what if you're traveling, and you're visiting the grandchildren, and you need to seek care more than likely