35 Burst results for "Morningstar"
Pastor Rick Joyner Urges Americans to Prepare for an Inevitable Civil War
"Joy of speaking with my friends Rick Joyner and Chris Reed Morningstar ministries. Rick, you just said something huge. An important you said that the lord spoke to you. Now, I love the fact that there are people listening to this program or watching who don't even believe in any of this stuff. So we're going to challenge them here. But you said that the lord spoke to you showed you that what is coming is a second American Revolution, a second Civil War, before I read that you had said that. Months ago, I've effectively been saying the same thing. That's what it feels like. But tell us more about that because I don't get the sense that that means we're taking up arms or do you think that's possible? What do you think the lord said to you? And also I'm sure there are many people that think that even to mention this, we should be locked up because we're a clear and present danger to the republic, even by mentioning this metaphorically. So what do you think? Unpack anything you can. Well, I was first shown this in 1987. That America was headed towards a Civil War revolution. But I took it as if you don't change your direction. You're going to end up where you're headed. And we still had plenty of time to change our direction. And that's the way I was moving, praying that, you know, doing what I was doing. But in the dream I had 2018 when I was shown clearly that no, it is now inevitable. We crossed some kind of line there. And the Civil War revolution is inevitable. So that changed my thinking from trying to avoid it, help us in any way to avoid what has come in to preparing for it. It is coming. And of course it would still be my ultimate hope and any sane persons ultimate hope that it would not degenerate into violence. There are a lot of ways to fight wars besides using guns and bombs. There are economic wars there. All kinds of different ways to do it. But what I saw in that dream was no, it was physical fighting in our streets in our cities. It was worse than I've ever even expressed publicly.
Chris Reed & Rick Joyner Tell Us About MorningStar Ministries
"Remember that I said I would have my Friends Rick Joyner and Chris Reed on the program? Well, here they are. Rick, Chris, welcome. Well, good to be with you. Good to see you. Don't get too excited. This could end at any time. I could pull the plug on this interview at any point. You know, Rick, I was joking that you passed away in a hang gliding accident and that Chris took over the ministry. But evidently you're very much alive, you're looking vibrant. Why would you pass over Morningstar ministries to a young pup like Chris Reed? That's my first question, but I'm not going to let you answer it yet. First I want you to tell me or maybe I'll tell my audience that you founded Morningstar in 1985. So you've been doing this thing for a long time. Maybe I don't know. Tell my audience who don't know about Morningstar. What is morning star? And then explain why you turned it over to that young that kid sitting to your left. Well, born east star is a multifaceted ministry. We have churches, fellowship of churches, ministries. We have publishing we published, I don't know how many books we have music recording. We have television, we have we bought the old heritage USA property is now our headquarters. We call it a heritage international, so we have a conference center. We host conferences. We do just about everything we can in order to take over the world. Now, if you want me to explain why I'm turning all this over to Chris, it could be insanity, but honestly, I believe that it is something the lord is ordained and I'm honestly very excited about
"morningstar" Discussed on Motley Fool Answers
"I would like to see them get more engaged with this sort of financial freedom idea, which comes out loud and clear if you fire if you follow some of these fire blogs. Yeah, I think the main benefit of the whole movement is just being very thoughtful about your spending. We all spend money on things that one month one year later, you just don't value it, whether it's going out to eat too much, stuff that's just clogging up your closets or your garage. Just being very mindful of that, I think is very valuable. Another person you had on your podcast was Tonya Hester, another significant figure in the fire movement. And she's written that to a certain degree we all should be practicing fire because we don't really know how long we'll be able to work something like a quarter or a third of people who retire retire sooner than they expected. Sometimes due to health issues or job loss, something you're colleague, David Blanchett, I think, calls retirement date risk. Right. Right. No, I think that's such an important point. It's really worth thinking through that we don't have as much control over this as we might think we do. When we look at the research on when people thought they would retire in the pre retirement years relative to when they actually thought they would, when they actually did retire, what we see is that there's a disconnect. So you've got a lot of people in the pre retirement you're saying, oh yeah, I'm going to work past 65. I might even work past 70. In reality, it's a fairly small subset of the population that is either able to do that or wants to do that. So I think keeping in mind that you may not fully have control over your retirement date is an important aspect of planning and retirement planning. So since we're talking about retirement, it brings us to our final question, which is we generally ask retirement expert about their own plans. So what does retirement look like for Christine Benz? And was it influenced by a sabbatical you took in 2017, which you call your faux retirement or your Fatima? I should say. Yeah. Morningstar does offer a sabbatical every four years, which is a, I think it's a 6, 6 week break..
"morningstar" Discussed on Motley Fool Answers
"And we've had several women leaders over the years, but even the male leaders have been incredibly receptive to having women be in leadership positions. I think of kind of my main sort of mentor morning star Don Phillips who was one of Morningstar's original founding members was always just so supportive of my career and so supportive of everything that I worked on. And I think that that's cultural. And so I would like to see more companies get better at including women in leadership positions. It's a heavy lift, but I think we're going to get there. I'm hopeful. I'm thinking and hoping also that it's generational when I think of my mom's generation. It's certainly much more the case where you left money to your husband and you took care of the kids. I think the studies that look at the financial literacy gap between men and women find that younger women are doing much better because it's just changed a change in society in terms of giving women more opportunities equal treatment in various ways, things like that. I think that's absolutely true. And I've been interested in some of the data on how women invest relative to men when you look at the data, you do see that there's a gap that women tend to be more conservative. And that gets repeated again and again and again. But then when you drill into that, that's really an income gap that women do tend to earn less than men over their lifetime. So perhaps quite rationally, they take less risk in their investment portfolios because they don't think they have the funds to risk. It's interesting when you look at some of the more finely tuned data that look at investment choices when you control for income, you see that men and women invest almost in the same way. So I think solving that income gap, that is still something I'm very interested in. And I think part of that comes back to do we create an environment where women can stay engaged with work even while they want to be very involved with raising their kids at home. And do we create an environment where men can do that as well? I think that that is key to solving this income gap, which has been in my view very important in terms of causing women to invest more conservatively. At this point, your career, you've written hundreds, if not thousands of articles. I don't know if you've ever tried to count them all, but I'm scared to. Are there a few that you consider sort of your all time favorites? Maybe because you thought they were particularly well written. You saw it published. I'm like, dang, that was a good article. Are you thought that they covered a really important lesson or maybe you hit upon a new insight? Yeah, one that comes to mind referenced my sister and I wrote a column out of pure rage, not toward her, but toward a situation that happened when she was staying with us and we had a door to door financial adviser come I think it was one day when I wasn't home. And came and spoke to my sister and later dropped off some materials at the house about retirement planning. And it was pretty clear to me that she would have understood the situation..
"morningstar" Discussed on Motley Fool Answers
"I had actually had some contact with them through work related things and think a lot of their abilities. They're quite sophisticated. I think that sometimes people think that this sort of hourly model of paying for advice is for less sophisticated investors as well as less sophisticated planners. And I would say that this particular planning firm and several others that I know of really puts the lie to that notion in that they are incredibly sophisticated, especially with respect to their tax planning expertise. And also their clients are pretty sophisticated in that one of the planners shared with me that their typical client portfolio is $10 million. And I think those clients have done the math and have said if I'm going to pay for advice, it's probably better for me to do it on a surgical basis rather than handing over. A percentage point of my return per year, which is not to say that isn't a good model for some people, but I think that certainly for people with very large portfolios that won't be the most cost effective way to pay for advice. So absolutely get advice from a financial planner. And do so either on a holistic basis or on a surgical basis. I think that it can be really economically quite efficient, the planner that we work with does have a high hourly fee, but if we only need their services once every couple of years and we only need ten or 20 hours of their work, it'll be more cost effective for us than for paying the paying an ongoing fee year in and year out. Since we're talking about the financial profession, the financial world in general seems very male dominated. And whether you're talking about financial services industry, financial media, even the consumers of financial media, The Motley Fool audience skews very male. And I assume that's true of the morning star audience. You could tell me if that's accurate or not, but based on the 5 or so conferences Morningstar conferences I've been to, it seems that to be to be the case. So assuming you agree with all that, why do you think that is and what can be done to close the gender gap? Yeah, you have bro in your name. So let's start there. It's very brewery. I would say overall, I do see signs of change. And I think that's happening for a couple of reasons. One is that I feel like the dynamic in the financial industry is moving toward and appreciation of financial planning and moving toward and appreciation of goals versus investing strictly and beating the benchmark. So I feel like the whole conversation is moving more toward goals. And I think that's where women really shine. And I think that that idea of reaching goals achieving tasks resonates with women. So I think that we'll begin to see more diversity as the industry evolves to show a greater appreciation for helping people achieve their goals as opposed to beating benchmarks. And of course, these are huge generalizations. I'm sure there are plenty of women who are very geared toward beating benchmarks and plenty of guys who I know plenty of guys who are very goals focused. But I think as the conversation as the industry shifts more in that direction, I think we will see more women enter the field. I think culture is really important. I come back to Morningstar's culture. I think Morningstar has always been a tremendous culture for women..
"morningstar" Discussed on Motley Fool Answers
"They tend to use it. If they purchase it, the insurance company tends not to be able to shake them off with these premium increases. They hang on and say, well, I've been paying into the policy why would I quit it now? So we've seen premiums go up on pure long-term care. I still think that that's probably the right answer for a certain set of consumers, especially for those who have kind of tighter financial plans where it looks like they will need everything in their portfolio to live on during their retirement years when they're healthy. So I think that pure long-term care can make sense in some situations. Increasingly, there are these hybrid life slash long-term care policies, which is really a life insurance policy with a long-term care insurance rider. That was something my husband and I delved into when we were looking at long-term care decision making. We had a whole life policy. And you can do these not to get too in the weeds. And in terms of all of this insurance aspect, but you can do these conversions called a ten 35 exchange of an existing life insurance policy into one of these hybrid policies. That was a spot where we did get some help from a broker who talked us through the available options if we wanted to do that. I think that that can be kind of an elegant option in that it helps you switch off one risk the risk of dying while you have dependence for the risk, the new risk, which is the risk of having long-term care. So I wouldn't rule it out, but I would say that it's an exceptionally complicated space. And then finally the last option for covering long-term care is to require to rely on government resources and in fact the U.S. government and Medicaid is the largest payer of long-term care expenses in the U.S.. But there are significant strictures around who can use those resources. You need to essentially deplete a big share of your investment resources. And this is a big issue, especially if you're part of a married couple where you would essentially have to not impoverish but really drain the resources in order to have the person who needed.
"morningstar" Discussed on Motley Fool Answers
"Morningstar investment management team will look at longer time horizons. And there we return to more normal levels if you push it a little further out into the future where you can use long-term historical returns for U.S. equities, which are certainly brighter than mid to low single digits. What I saw, though, in the latest run of capital markets assumptions and I've looked at this within the past few months is that to affirm they are expecting better returns from non U.S. equities. And I know that a lot of people myself included have been beating this drum for a while and it really hasn't happened, including in 2021, where we have seen better returns from non U.S. equities, but it does appear that there's a convergence on that front that most firms do to lower starting valuations overseas are expecting better returns from international equities. Yeah, and I've been pointing that out too for a good 5 years or so. One of these days, Christine we're going to be right. So obviously, when you think of your portfolio, how much cash, bonds, and stocks, you're really thinking about risk and return. But you recently wrote that there's actually more to investing than just risk and return. So what are some of the main lessons you wanted to pass along in that article? Yeah, I had been just sort of toying with this idea or thinking about it about how there are all these non tangible intangibles that we don't think about or we don't certainly don't talk about with respect to how we create our financial plans. So peace of mind is a big one that I come back to again and again, where I realize that a lot of smart decisions that I've made over my financial life have been in the name of peace of mind. So big one that I would point to is my husband and I a few years ago we're looking at our mortgage and we're like, well, why do we really have a mortgage we have cash on our balance sheet and I'm kind of thinking, well, we could probably invest that money and earn a higher return in the market. But gosh, wouldn't it feel good to have a paid off home? And so we did that and have never looked back. And I think that people if they are thoughtful about their financial life. So probably find that there are other decisions that they might make that they made first and foremost in the name of peace of mind didn't necessarily deliver the best quantifiable ROI, but nonetheless was a really smart decision. So peace of mind I think is one of those important factors that should affect how you approach your financial plan and your investment plan. I also really love the concept of enough and figuring out if you have enough and how that might affect how you invest..
"morningstar" Discussed on Motley Fool Answers
"Last Tuesday of the month, which means you get to eavesdrop as rose sits down for a nice chat with someone he reveres in finance. This month, he's joined by Christine Ben's morning star's director of personal finance. They'll talk about how people should approach the long-term care conundrum, how to close the gender gap in finance and much, much more. All on this week's episode of Motley Fool answers. It's the last episode of the month, which means we get the chance to interview a bright shining light in the world of financial planning. And this month, it is a real privilege to spend some time chatting with one of my favorite writers at one of my favorite websites. Christine bends the director of personal finance at Morningstar. Christina's work that morning start for almost 30 years. Some morning stars 401k committee co hosts the long view podcast. And in 2020 and in 2021 made baron's list of the hundred most influential women in U.S. finance. Christine, welcome to Motley Fool answers. Robert, it's so great to see you. Thank you for having me on. So let's start with your story. How did a political science Russian language major end up as morning stars, director of personal finance or finance, as you pronounce it? It was around about path. I studied Russian language for like ten years, so four years in college as well as 6 years prior to that, had always had an interest in politics and government and international relations. So I emerged from college thinking that I would do something putting those two things together. And at that point when I emerged from college, the job offerings that would leverage my Russian language experience were seem to kind of dull to me. So I interviewed with the NSA, I remember position as far as I could tell and tell just kind of listening and on phone conversations of Russians who might be living in the U.S...
"morningstar" Discussed on WCBM 680 AM
"Rating from Morningstar. Yields 11.3% on a monthly basis 11.3%. That's right you by Q Y LD on the market like you buy shares of a T and T or IBM. And it works very, very well. You can match that with Symbol D P g. That's the Duffin Phelps utility income portfolio, utility and infrastructure portfolio. I should say and with all the money with the infrastructure buildings coming in They should benefit from that that closed at $14.91, and that yields 9.3%. The last one we're going to talk about is simple. Why? Why? Why? $17.25? That's a high income portfolio. Uh, yields 8.9. So if you add 23 yields up 11.39 point 38.9. The average yield is 9.8%. So if you invest in these three funds equally, you can generate income returns. Of 9.8% for yourself stretching for income incomes a little tight If you don't know what to do if you had something mature. Consider this and again. You're not putting all your eggs in one basket because each of these are portfolios. Out of portfolios. So you're diversified. And the average field as of Friday's closing price is 9.8%. That's the way to generate some serious income for yourself. If you'd like to receive information on these exchange traded funds are closed and fights. I'll be happy to send it to you. Again. Just dial the hotline number. 877 Cargill 877 c A l l G i l 92 66 days, and we haven't had one phone call yet today, So I guess everyone's sleeping in because it's the holiday. That's fine. I understand that, but I love to hear from somebody just so we can have a conversation so I wouldn't feel so lonely here, okay? Let's talk now in a minute about the buffered portfolio buffered portfolio something I've been using it awful lot. And it's an investment that allows you To invest in the Standard and Poor's 500 index, The 500 largest stocks, which is what Warren Buffett tells us all to do. One bucket says individual investors should just by the S and P 500. But this is as and P 500 with a safety net. It gives you can percent. Protection. What this means. It doesn't have a 15 month maturity when it comes to in 15 months. And absorbs up to 10% of losses. So if you are negative in this when it matures, you don't 1st 10% of losses are absorbed. If you're down, for example, 5% in 15 months your break even because 10% absorbed if we're down 10% your break even because he's enjoying if you're down 15%. You're only down five because 10% of those losses are absorbed on the upside you make with the Standard and Poor's 500 index does up to a limit. There's a there's a cap C A P rates are you limited in how much you make? We can work around that. Also, I'll talk about that little while but before we do that. Let's talk about willpower. Leo in Kingsville, Leo. Good morning, Jill. Morning, Sir. Uh, years ago you had a Sunday morning. Show em back when we had the high flying dot com Stocks, 1999 and Yeah, well, this would have been a little later on that I had just discovered your Show in the air and you were warning people. Uh, beseeching people not to be lured away into those high flyers correct and stick with their, uh, reasonable investment. Um Roger Sanborn. Robert Sandler with everything was he was managing.
MorningStar Ministries' Chris Reed's Prophetic Dream Ties Biden's Election Win with Chinese Collusion
"Talking to my friend. Chris read with morningstar ministries. So chris you told us about the first thing july twenty third. You had a dream. It's extraordinary You had this before. There are any reports of taliban talking to the chinese before any reports of the taleban taking over afghanistan. But after that. There's a second piece to this so give us the second piece where you see biden meeting with With the chinese give details. When did that happen for you that you saw so it was actually an august. Sixteenth just happened my hikes birthday and it was right about the time. When the taliban assumed control of afghanistan it was three weeks after My dream my dream have already shared. Will that night. I went to bed and I had this dream where. I was watching this meeting in the i remember. Somehow i knew in the dream was before the twenty twenty election presidential election and in this three my cd's darkened windows. And but somehow i'm able to see in styled the room and it is joe biden sitting with his campaign lawyers were campaign representatives. That was what i understood across the table were the chinese government representatives and. I knew that they were talking back and forth. It was almost like a negotiation or talking going on and the next thing. I notice in the dream. This stood out to me is biden. Got up out of the chair in went out of the room so the next part. He wasn't in the room to hear this. But i somehow understand what is being said between the chinese government reps and the biden campaign reps and basically was what was said. The chinese government rep said. We will help you with twenty twenty election. If you will in turn gives us afghanistan so i mean in our wake up and i'm like oh my gosh i mean the first thing that can my mind was quid-pro-quo right the very thing. The accused trump of in two thousand sixteen with russia. This is what. I literally saw my dream. But it was biden's campaign slash rap slash lawyers talking with chinese government
"morningstar" Discussed on Wealth Management Today
"What's really going on with individuals starting to marry that together with what's going on or floyd aside different than what we've seen partly done spaces. We thought again to do our our new better job in doing that. I think what a lot of people don't realize what a large that morningstar everyone thinks morningstar. A data moist portfolio analytics. But really you've a huge footprint in software in our space between morningstar office Morningstar direct Advisor workstation and now the risk ecosystem your position so how how will the adviser a client experience. Which is your air of expertise. How will that change with this new technology that how this new ecosystem and how will it be different than how advisors are working today. So what we are going to do is Wants a rich ecosystem is already been integrated in ju Advisor workstation american be serve with pleasure of serving one hundred eighty five thousand members of that community. Today's numbers subscribers show is already within that that experience. We are in the process of integrating in do all those other affliction solutions well so Morningstar office morningstar direct. But here's the other and more important to brag is we are bringing it to how we sir zuber's directly today so we have over two and a half million people that come in today into morningstar dot com been. That are using their doing your own research. Some of those are also become a members of our our premium communities. So it's it's a. We provide tools at studios individuals that they want you to do some planning or financial manage portfolios on their own or in conjunction living adviser that they actually work with so we are taking the morningstar risk ecosystem at the end of the day. In putting in every one of our flagship box that served advisors professionals institutions and also ultimately to be in consumer as well. Because when you look at the transfer going on around the Experience we look to help your space other industries looking at what individuals are looking to do And they want to what they wanna do. They want educate themselves. I want to be able to really understand it. So that's where we got the inflection point of how are we serve this to the end the end investors communities that we serve their than how we enable that really that collaboration it's happening between the investor community in the more seamless way against the robert that we see to be able to lead into to help advisers better served investors and you've got a more informed investor being able to understand the questions that they should be asked as well break from this episode..
How Morningstar Ministries' Chris Reed Describes How He Heard the Voice of the Lord at Age 8
"We were just talking about your your career. I love to get to know people and for my audience to get to know people so you said that when you were a young kid eight years old you heard the audible voice of god. I've never heard the audible voice of god most people. I'm sure have not what. What was your environment like. Your parents were very serious about their faith. So this seemed maybe normal to you. What did it. How did that manifest itself. When it first occurred so i was bad ties in the holy spirit at eight years old. And the first time i heard the audible voice of god. It was actually in a dream and the best way i can describe. It is sounded almost like a mixture of thunder anna trombone. I know that doesn't make sense at all. But it certainly. That's that's how it resonated with me and in the dream you know it was the voice of the lord which i- firm i firmly believe it was the voice of the lord telling me don't try to fit in. It's okay that you're different you know. Don't try to gain acceptance from your peers in school and such. You know there is a calling on your life. And and don't try to conform to anybody's image of you. That was basically what the lord said and i you know hearing audible voice of god. I'd probably have had it happened. Maybe five times in my whole life so it's not something that happens all the time but it definitely will shake you to the core and make you realize it's a serious thing. The fear of the lord will get a hold of your heart and there's nothing like the fear of the lord when you fear the lord yet. Nothing else to
Chris Reed of Morningstar Ministries on How He Started Preaching at Age 14
"Have a fascinating story. I want to tell my audience really that you. I guess this is so strange. It's hard for people to to think about but you began preaching and an extremely early age. Tell my audience about that because now you are. You're thirty six. You're very mature beyond your years. But you were preaching like as a kid. How old were you when you started. So by the time i actually got started speaking on a regular basis i was fourteen and just my parents were driving me to i respective opportunities to to speak in such and then So by the time. I was eighteen. I had ministered in over two hundred churches so i started pretty young. Here's here's a dumb question. But now that i'm in my fifties i think if fourteen or fifteen or sixteen year old or seventeen year old or eighteen year. Old guide in the pulpit. I'm not sure that i could sit there. It seems odd to me that a kid would really have anything to share homily speaking or whatever. Now what do you. What do you think it was kind of curious thing. Now that you're older. If a fourteen year old gets into the pulpit what do you what would you even make. It almost seems like a parlor trick like a crazy thing like like the midget batter. You know what was his name back in the nineteen forties. They put a three foot eight midget into bat. So the strike zone we. It seems like it seems kooky like you can't really take it seriously but obviously it was serious but so what do you make of it today. The idea of a fourteen year. Old preaching so i look back and think how thankful i am that i would even have crowds of people especially adults. Sit through and listen. Listen to that but i not only thankful for that but i also am appreciate the fact that even at the young age i felt like that one of the gifts that god gave me was just the gift of wisdom and so beyond my years. You might say i seem to be able to study the word of god. Break it down and with passion and excitement share it and so i think that maybe helped make up for lack of age. I have no doubt that it made up for it. And just as i know you. Now you're you're you're wise well beyond your years and i imagine that they wouldn't have put you out there as a fourteen year old unless you actually had something to say and listen. The people in the congregation would immediately get that they would immediately understand that wisdom wisdom. There's no such thing as fourteen year old wisdom as either wisdom or not. But it's just amazing that you got your start that
"morningstar" Discussed on The Tattness Podcast
"Up you guys tata's this podcast before we get started with today's show. I just wanna say My condolences to the family of joey jackson What a terrible loss. Way too young in my view. And now i just found out we've also lost dusty hill from cc top who passed away in his sleep. So my condolences to everyone on that side of things to his family. Friends and whatnot Such such a terrible loss man. So mike nolan says to everyone involved today. My guest is none other than beautiful and talented mira morningstar returning again to put up with my ass. Because just can't seem to get enough of that sucker for punishment. Right now we talk about A lotta things man about the movie industry working together in movies and everything else in between all the crazy rumors that get started about you. When you reach a certain level of fame and shit that gets nuts and Just working together on a lot of things. In general we get into the masters of the universe reboot as well. I don't know what you guys have heard about it. But heard mixed things i i hear. A lot of people are bagging. It so we'll see how it turns out. I'm watched it yet. So we're probably a little harsh on the show about it. But i do reserve judgment until i've seen so we're gonna watch together at some point and see what we think of it so anyways. Let's jump into it. Man babbled enough mirror morningstar returns all right now. That's yeah. I don't know why it does. I don't know whatever So anyways i order business now that we we touched fucking so much off air that so much time has. I probably forgot everything that we're going to talk about on the fucking job that's fine So there's that by far most calm down now. I know you want me. But you're gonna have to control yourself on you're kidding trying autists onto using For people that don't know. I assure you not just a narcissistic fuck I i'm joking. Because you've been slated for at least two so far rocketing roles in movies with me and in spider house. You're gonna be my fiance like eric down saying whatever so your movie. Yv so cheesy like that now. Nobody can say shit So that's why. I have fun when she liked that so before people think. I'm just that fucking egotistical and some kind of narcissism undertaken the pressman. How the fuck are you besides heiberg on stupid amounts coffee like i'm great haifa. A bit too hot but not really really. Well how are you. I'm not sweating like a fucking piece of rotisserie gold as it's a cooler for me But this is what date you all the time i fucking have you go to your attic in swelter in fucking heat. Just talk to my steve. So it is what it is. I guess you're trooper. I appreciate it. I know i i love it all of it. It's fine years. we are I gotta tell you though. We didn't talk about this up there. And there's you know want to say something to the bucket show We kind of agreed to watch the new human show together one day and i started to hear things about it and i was like. Oh oh no it's not. It sounds like it's fucking terrible So the more. I looked into it As i got down. I think i'd rather watch fucking paint dry. You know jesus christ You know. I thought with you i in i watch paint dry with no problem. Then i read about the show and i was like could we maybe watch that instead. We watched it just. Sounds like so fucking full on agenda Apparently he man dies off in the burst. Show he's kill law and then it all about teela. She's like fucking raging lesbian. And and it's a whole thing where it's so virtue signaling. Whatever it's not sincere or genuine. Like i don't buck who's a lesbian. Who's bucking whatever. But it just seems like it's by design trying to be all like you know. I'm sorry but you know. People are kinda right when they say we have share abro. Why can't he manhattan's goddamn show. Why why do we have to make this. Like some feminist agenda like kevin smith bucking dropped the ball and you know i hate to hear that because i really respected her and i still do. But let's say i'm not i don't have any judgment right now on him at the moment until i know more. The general vibe is he sold at suck money. Dick and Got chat tail face Everyone has to have their teeth sentence. Currently even cats So anyways it it just seemed like everything about it is so like agenda driven and then to find out that at one point kevin smith even said he was never a human fan. So good buck josh. So everyone's like oh you know he went off fuck in hollywood shit before people say fucking day. Yes okay. I get it like you know. Technically i guess i would be considered hollywood movies and whatever but we're not talking about that. We're talking about a person in terms of selling out for money. Not what they do for a living. You know what. I mean. I will never go fucking hollywood. Like and sell-out suck the money. Just shit that. I don't really agree with that. Stupid and just ingenuous and If getting a lot of backlash and you know there's some arguments for it where people are like. Well it's not called. He ran motherfucker. It's you know it's most of the universe there for everybody spoken story except it's focusing around one character And i get that you know what a lot of people might not get in. This industry is that it does have Several companies involved the have the rights to the character. One gumby has like universal has the rights to the show now Were mattel has the rights to the character and whatever so you're going through a lot of different channels to get right so therefore you kind of have to do at different than the original show. I get that but this just seems like they're beating you over the head with virtue signaling fucking agenda trying to be like you know politically correct for certain I guess.
"morningstar" Discussed on AI Today Podcast: Artificial Intelligence Insights, Experts, and Opinion
"That the human movie and we're taking today. Yeah, that's great. And it's a really great segue into the next question that we have cuz it today our listeners know we talked a lot about Automation and how automation is incredibly useful but it's not intelligent. So you're right. It is very brittle and it's not able to deal with some of birth. Complexities that people needed to so Morningstar has been leveraging machine learning to collect financial data on many different instrument types across Global markets. How have you seen this impact the speed and accuracy of the.
"morningstar" Discussed on News Talk 1130 WISN
"He's the co owner of Morningstar. He's with us via phone from suburban Philadelphia. Also with us on the phone is the managing partner. At Morningstar, Jim Fruity, the third and Michael Crowley is with me in studio. Michael is the head golf professional at Morningstar Golfers Club, which is located right off of the rock Freeway, both three miles from the 1 64 exit three miles west, about another mile back north. From where I sit here in the studio in Greenfield takes me 13 14 minutes, They get their tops. Well, maybe I should do it right after the show has run out there and convince you guys to let me on the golf course anyway, that that was standing in a bucket full of times. That's well, It's one thing we're going to talk about here, Jimmy getting near the end of a very, very unusual someone say odd golf season. As a recreational gulf resource did. The Colbert situation, by your estimation, actually helped Morningstar by exposing more players to the golf course into the Gulf value. No doubt about it. Anybody who says otherwise is an idiot. Point blank. Um, how you really feel about that? What do you really feel? You are throwing the idiot or other it got people. It's not only golf, Jerry, I shoot a local archery club. They're through the roof with people. I mean, they're booked solid from three o'clock eight o'clock every single night, standing room only people in wanting to get in there and get arrows and get fit. New hunting gear, things like that. Any outdoor activity can think of is through the roof exploding this year because people are reinvigorated to get outside and do different things don't be cramped up inside of the Owen club that I hunt presents with their pact. Just jam packed with training right now going on because he was trying to get their dogs ready to go because this season is gonna be gangbusters for him. So any outdoor activity right now is is crazy. Kayak sales are through the roof. Those types of things and golf is no different. It's the it's the tiger boom, 2.0, which is what code Waas mean? Yes, we all had the inconvenience of being shut down for a little bit of time. But We're seeing right now on Michael can attest this more ladies and more Junior's taking up the game then I can never remember which is more impressive to me. More people are talking to me that have always been individual member holders. Now talk about adding their lives to the membership. We had more female play this year than we've ever at, which is a part that ah, the USDA and the PGA has been trying to do for years and years and years of growing the game. Especially in the female category. And this this whole situation this pandemic has done that. Especially for the golf industry in any outdoor recreation room with a surprise. I mean, Michael, maybe the illusion. I guess if I try to sneak on the golf course. Good luck, because times are are they're like unicorns and hard to find, you know, do you? Are you at all surprised that demand has remained this strong for this long That's deep into the season. No, because I think and reinvigorated everybody. Everybody realised how much fun they used tohave doing it and maybe they would come up with excuses in their lives. Why they couldn't do it, And now they're realizing I don't care if I could only get out there for nine holes or seven holes. I'm going out to play. I cannot tell you how many times this year you answer the phone. And somebody says, Yeah, I'm looking for a tea time around 2 30. You're like the first thing I got available 6 20 any after I'll take it, they'll take it at 6 20 knowing it's dark at 8 30 showing early going to get in nine holes or its dark eight o'clock knowing that they're only going to get in Rituals. They're taking the tea time because they want to get out. Do things that the other thing that is factored into it. Jerry is how many people are doing to meetings and working from home. Yeah, that's true meetings till eight o'clock, and that's been a difference for mourning. So we've always been busy from First he from 7 A.m. until 5 p.m.. It's spin the after five PM crowd, which is thrown our numbers through the roof. Any evening. Michael have the other side of the business, the merchandise sales club fittings. We got, like 45 seconds Have that had been normal. Less Maur. What about normal? Maybe a little bit of an uptick. Yeah, definitely getting clubs for some newer golfers that air looking that had been playing so getting some or you know whether it's ah kind of a box set or full set formed. Something that's not great that people have dusted off their clubs. And they're like, Oh, my God, these are, you know, 45 year old clothes that I you know was going to use so doing that. You know our junior golf program that was bigger. So a little bit more equipment that way as well. Andi. People are, you know is there play more golf through lies and hey, I should you know, upgrade my equipment now where if they were only golf in two or three times a year, they didn't see the benefit of upgrading. And now now that they're playing 10 15 20 more times a year. They're saying the I would think you would think things like Sone golf balls, Golf, Glove, golf balls and gloves have been in saying, like We can't even keep him in style. It's so crazy, and so many more people are playing. And you need that. You and even the companies, you know, I'll have, you know. Hey, I'm supposed to have 24 dozen sent to me. You know on, you know, on September 5th. Okay, well, you're going to get in October Town cos air behind as well. It's really been an interesting golf here and morning stars come through it with such In such a shining fashion that it's really been amazing if you haven't played the golf course there's still a lot of time left fall golf. Morningstar is absolutely spectacular. It's beautiful. It's fun mounted a teatime reservation, make them well in advance. He can make it up to two weeks in advance. You can call the golf shop at 262662 1600 or better Still, you could make reservations online. Had golf. The Star Dotcom play better golf segment swing doctor..
"morningstar" Discussed on News Talk 1130 WISN
"30 W. I said, it's the swing doctor. Here is the Big voices filled Jerry Bod along with our full complement of PJ professionals, all of whom are associate ID in one way, shape or form with Morningstar Golfers Club, which is located in South Central Walker shot County town of Vernon. Technically kind of near Big Bend if you know where that is right near off the Rock Freeway excellent golf facility. The owner, co owner of the Morning Star Golfers Club is the swing doctor himself, Jim Fruity Jr. Who joins us via phone from his home in suburban Philadelphia. Fruits. How you doing? Hey, I'm just fine, buddy. Nice to be with you. Good to be with you as well. In studio with me is the managing partner and morning star, Jim Fruity. The third, Jimmy. Good to see you in person. And you've been so busy lately You have been able to get in here but we drag you in today. Nice to be seen and also the head, golf, Professional and morning star who played and stayed open earlier this week. I want to talk a little bit about that before the end of this show. His name is Mr Michael Crowley. Michael. Good to have you Good to have you get afternoon. Good afternoon to you, too. You all first week of the FedEx Cup playoffs going on as we speak. Final round teamed up today, but I want to go back to last week and talk a little bit about what all transpired and lead into who made the FedEx Cup feel who made the playoffs. Etcetera, etcetera. The first thing I want to talk about is Jim Herman, who won the Wyndham Championship. That's the tournament in North Carolina 42 years of age fruit. He missed 11 cuts in 18 2 events. This season before winning last week. He is, I would say the classic journeyman grinder on the PGA Tour and I ask you this question, and maybe we'll go around the table on this. But first in your mind What story is the more compelling story? Is it the red hot young gun to serve, blazing his way into contention every week? Or is it the redemption of the journeyman grinder, winning a tournament and sort of reviving his career at least for a few years? For me. It's the latter by a long shot. I mean, this guy's had a brutal year. I mean, as you said he's missed 11 of 18 cuts and eight of his last 11 cuts. He was 192nd and FedEx points in his best finish, which 27. But it was only a 30 man field. So yeah, not great 70 time for 77th at the PGA. Here in this event and the bird in the last three holes on Friday to even make the cut. And then he goes out and shoots 61 63 on the weekend won the event and moved up from 190 seconds. When the FedEx list to 54 His life has changed in so many ways. I mean, a million bucks. The master's all the other majors. Two year exemption. Uh, what a great story, you know, And you're right about all the life changing stuff. What's interesting about that is that he was by his own admission. He was missing the kind of thing by two strokes with four to play on Friday and was already thinking about how to get home and what what plane reservations needed to be made, and he had some stuff to do with his kids for the next three weeks because he was going to be playing in In the in the playoffs and the FedEx Cup playoffs. Jimmy have any thoughts on? I mean, we talked so much about these. The column are colleagues of the world just coming out and just going great guns and being in contention every week. But these guys that work so hard and anonymity for so long that you come up and grab a title. It's just I I love that story. Well, it's it's the one we all gravitate to. Because I think that's the one world closest to you. We're all we're all imagine that Roy McIlroy balls in the back of the range and all the singles. You know, I'm just gonna go play on the PGA Tour in and making it. It's a Cinderella story ideas and I think that's why more people would gravitate towards that. I mean, either way, it's a great story, because how life changing it is. But when you're 23 years old, you haven't lived life enough to even understand what life really is. Your 42 years old with kids, you know what life is all about. And what what? What's important and what isn't important, But I think that's the most By far that's the most compelling story from the standpoint of comparing it to being one of the young, blazing hot guns as opposed to the journeyman. That's still making a heck of Ah, living for themselves playing on the tour, you know, play to very rich tournaments, one going on this week and then the following week, and if he does well in either of them, it's not inconceivable that he could make the top 30. You know, a top five finish tomorrow's good enough points, toe confidence and just the way he played the last hole. We'll talk about that in a minute. Michael having you having played Ah lot of competitive tournament golf. The guy shoots 61 63 on the weekend 16 under par for those two rounds. He made 444 ft of putts during the four tournament rounds. That is what I would call stupid hot. I'd like your overall thoughts on that. But answer this question for me. Why is it so difficult for a tournament player? After you go low one day to kind of go Lo the next day, you almost never see it. No. Yeah, it's.
How Tom Ellis Pulls Off Playing The Two Main Characters On This Season Of Lucifer
"Fans of Netflix Ticha Lucifer have been waiting for the arrival of season five to see exactly what Lucifer Morningstar's evil twin brother Michael is up to it's a fun story line for fans but it creates incredibly challenging job for lead actor Tom Ellis who somehow seamlessly plays both characters and Lucifer show runner ill the motors says Tom deserves all the praise in the World pulling it off. She tells et in the table rates when Tom Master Polite Lucifer and Michael. It's amazing. You're staying with them because he grounds both performances. He plays both characters with very different physical mannerisms and speech patterns. So it's this weird back and forth where he's having this crazy conversation with himself. He's brilliant sees a five of Lucifer it's Netflix tomorrow
"morningstar" Discussed on Power 106 FM
"Warning Morningstar grocers news alerts lines have been so then you go do you drive I guess other past as my house burned down a system where the baby to term and what it does support a baby can you make sure you wake up with me and my celebrity parades every morning weekday morning six to ten on power one oh six to do miss a lot only you you went through and I knew this is nav in Ghana which Travis Scott and it's called her on the scenes twenty in the mean time you too will be some visible set in my piece of meat I want to smoke in the in the peas give me a radio and I'm in the keys open them up just like a surgery don't know where it went he pulls one medley up he got shot in the cold chop it right out of the old twenty on Thursday the other one is in the fifties this little baby Iraq twenty minutes she's dropped out of the heart please another body got a whole song top into the new way to weekday afternoons at two o'clock and then we got the new at night every night at midnight Los Angeles every kid counts so let's make sure we.
"morningstar" Discussed on WCBM 680 AM
"Virgil Morningstar with Casey and Elliott furnace guy had a car dealerships used to be in Roseville for awhile frescos forwards and think of what it was all right now that Biden is the is the front runner this week you know or at least through Wednesday perhaps longer than that everybody is now getting in on the act for example I don't usually watch Saturday Night Live because it's too late for me away from my bed time however well last week we had six democratic candidates and this week it's become like my dad's favorite radio station just feel these it is now the front runner and just picked up an endorsement from Michigan's governor only days before the state's primary and makes sense to Michigan would love bite in because it kinda looks like a hand trying to touch a lady's hair if you take a look at Michigan and the upper peninsula is basically what you're looking at there that's true it does no no so it's fascinating to me is to watch what's happening behind the scenes here as we mentioned last Friday that the bill o'reilly said that was his sources told him Obama was busy on the phones getting people to drop like flies out of this race a look let's look at the timeline Peter judge out of Sunday March first okay allegedly after Obama call at any club which are out the next day Monday March the second allegedly after Obama a phone call super Tuesday is on the third and of course that means of the of the judging call much our votes could go to because I enjoy fighting right then on the next day after super Tuesday many Mike Bloomberg drops out who's indoors Joe Biden the following day was with Warren she suspends her campaign then you'd think she was gonna doors Bernie now she was indoors anyone okay and then this past the Sunday just before the next big race Pamela Harris I had already dropped out comes out in the doors is Joe Biden before the big day in Michigan and five other states tomorrow so again this is the Democrat party doing everything they can to rig the system so that Bernie gets denied the nomination form everything from from top to bottom optically think historically are one of the very first debates when they have the full the full group up there you're a Calaveras going directly after Joe Biden because he is a racist that's what she was saying because he was involved in the school busing thing when he was a county exec of new castle county in Delaware before it became a senator okay so that's the same camel Harris who just give me a high five this past weekend's he's the best guy she's ever met him he's got to be president now so here's the next theory is Joe Biden a place holder is is Joe Biden once he if and god forbid because I think president trump's going to win easily but if god forbid he would get into office with the then invoke the twenty Fifth Amendment remove Joe Biden is a very very very close to who the vice president running mate's going to be yeah I says so he's thinking or could be a full only of our pants suit actually interestingly Amy called Afshar this past weekend she kinda let the cat out of the bag.
"morningstar" Discussed on Power 106 FM
"Warning Morningstar grocers news alerts lines have been so then you go do you drive other past as my house burned down grocers were the baby to term and what it does support a baby can you make sure you wake up with me and my celebrity for every morning six to ten on power one oh six this allowed only Jill in the okay for so what you see you want to one I want to want to see thank you so make you crave it Jesse may since the days yes the boys once one one yeah he the boys say hello because they know I'm going to be I want to dance with you is the hi the.
How to Land a Better Job
"I might have a few things for you in fact I have three things. I love it when they're number one. Get a raise fall behind. Well so maybe at the end of two thousand nine hundred nine or the beginning of this year you got a raise or maybe you listen to one of our episodes about how to ask for a raise and it worked or maybe you'll listen to today's episode. Get a new job and make more money however it happens. Earning more is always a good thing right right. That's the whole premise. Of Why we're doing this episode. Are you trying to undermine this episode? Well don't blame me. Blame a new report from Morningstar which is entitled more money more problems how to keep a bigger paycheck from spoiling retirement. So here's the problem. So according to their research most people don't increase increased their savings rates after they raise. What are they instead do increased lifestyle? Go out to eat a little bit more by nicer. Cars get a bigger house as report. Put it quote yesterday's indulgences become today's new normal tomorrow's expectations and quote in other words? Lifestyle creep right. The problem is the more you increase the cost of your lifestyle. The more you have to have saved to replace that lifestyle in retirement. Because that's what people WANNA do. They WanNA maintain their lifestyle. Nobody wants to cut back when they retire The report included analysis a hypothetical now so someone who earns one hundred thousand dollars a year eleven percent of their income and his on track to have enough safe retirement but then a huge raise twenty percent. Raise the make a hundred and twenty thousand dollars. Good news right except that they don't so they are saving more. They're gonNA continue saving eleven percent of that salary so they are saving more on absolute dollar terms. But it's not enough to make up for the increase in their lifestyle so that person who was at one hundred thousand dollars on track to retire with enough money. Now what is falling behind so the question is then. How much should you be increasing your savings rate? Every time you get a race. They actually offered three guidelines and analyzed. Which one was best so number one? Spend twice your years to retirement.
The Aldi Haul Episode: January Edition
"All right now? This is the hall but their brother. It'd be their brothers store. Career Joe's has just announced their version of plant based Burger. They're calling them protein patties and the box. It looks pretty much like the beyond Burger packaging like the almost exactly the same just with with their own name on it It comes What has eighteen grams of protein made from a blend of protein sunflower oil beats and seasonings and for the package which which comes with two? It's a four dollars and forty nine cents which I believe is significantly cheaper than beyond so I thought why don't we try them. So I went to trader Joe's to go get them and and I did not come back with them. The stats are crazy. High Two hundred ninety calories a patty and twenty grams of fat. That is very high. Weren't aren't they calling them. Protein patties. It should be called Fatty Pettis. No seriously I have to say like I. I would have tried them so I think we should try them. But I don't understand. Like I am a big proponent of plant based Patties I've been eating the Boca patties and the Morningstar patties forever and I thought they were amazing. Doing what I love the most about the original Boca patties. They were seventy sometimes eighty calories. They tasted a lot like burger. There were very low in fat. All all of these new patties are there just loaded with fat and a lot of them with saturated fats. And I don't quite understand why I think they just trying to add so so much fat and flavor and intern calories. They're just trying to fool people into thinking. This tastes as rich as full. Fat Fatty Fat. Now they call them like the bleeding patties. Is there supposed to be like juicy like real burgers. How many calories are in our normal hamburger probably around the same as a lot of these impossible burgers depending on how thick the Patty is? But they're pretty thin. Kim I mean if you go to a restaurant with a big thick burger your pet. He's going to have a lot more but these are not gigantic patty so I would say typically I. I'd be shocked if there was more than three hundred calories and twenty grams of fat in a thin Burger. I honestly think less because think about it even regular ground beef. What to fifty to sixty four ounce portion Kevin probably yeah? I don't know it's upsetting but we'll try. You've ruined everything. Mike Saving the day by not making your try it and now you want it thank you. You're very thoughtful and I know that if there was peanut butter involved in some way we'd be eating those patties right. I found out that it's not today that this podcast airing today that we're recording it. National Peanut Butter Day. What wow law? I hope we get to celebrate Pyotr. You can have more all right. We're GONNA jump into the Aldy Hall. We love all the all. The is a sister store to trader. Joe's I don't know if you have an all near you. I feel like it's even more inexpensive offensive than trader. Joe's there are some fun cool things. What are some of those dickey things? I don't get to go to all these as much as So everything that they have. That's it's their own brand. Looks like the real stuff. So like frosted flakes looks like frost. The other version looks like frosted flakes are. I'm trying to think of some of the healthiest like their their protein. Eighteen bars mirrors and what about checkout again. There's something crazy right so checkout you you have to bag your own groceries. Jamie thought it was kind of funny. Aw I thought it was weird. Because she's putting everything into our cart and I'm thinking if I just open a bag and put it in the car. She's doing the same amount of work. Oh she won't put it in the now we have to take Out of a cheese but she picked up each item and put it in our card so I just wanted to be like. Here's a bag of weight. And so so wait. She won't let you just take it has to. I put it in the car and then you have to go to. Mike said No. You have to go to the bagging station and I think it's efficiency because there are things that go through that line really fast. So I think it's an efficiency thing was inefficient. Whatever it is? They're able to sell things very inexpensively. Mike actually has received today so he may rattle off just how inexpensive some of these finds are truth be told I had nothing to do with picking these products out. They were brought to me. I am being surprised with all all of them sometimes and fake it. I'm sorry like a lot of more new but some of the things we have to talk about this so we did a good job. I hope you did
Fiat Chrysler and Peugeot agree to merge in giant auto deal
"Chrysler and Peugeot makers among them dodge ram jeep and Alfa Romeo's well as Peugeot situation an Opel have announced the final terms of their merger. A company were fifty billion in dollars. The number four carmaker buy cars sold in the world which is big. But let's get back to that making money thing shall we the automaking business right now. Now is expensive. You gotTA figure out electric self-driving for starters but car sales are lukewarm and more people are sharing cars. Every day so profits fits marketplace's Mitchell Hartman gets going. Consumer demand for autos is soft from North America to Europe to China. They're global trade tensions since and says Garrett Nelson CF RA research. Automakers are really looking for a way to increase their scale to share the enormous cost associated. Did it with electric and autonomous vehicle. Carmakers now have to make massive investments in research and development and engineers says Carla Baillaud at the Center for Automotive Research to produce for both the current and future market an internal combustion engine many times hybrid and now many any customers are demanding a pure electric. Then there's the vehicle of the future is brain. The software says Ned Hill at the Ohio Manufacturing Institute. A two and that's the autonomous driving systems. There's no vehicle brand the wants to give all that money to Google or apple and in the future. A lot of people may not even buy cars Carla. Bela says the whole industry is moving toward usership rather than ownership with fleets of electric an in autonomous vehicles shared. Or least I think nobody knows right now. Really if they're gonNA be profitable with these new business models we certainly haven't seen many of the Guarda be profitable yet. There is one potential bright spot with this shift to to non fossil fuel combustion engines and non human driver's says David did wisden at Morningstar. I do think there's potential for better margins at least for the firms that survive in the New Paradigm on electric vehicle has a lot fewer parts arch meaning the cost of materials and labor. Should eventually go down leaving more money in the pockets of
The Frozen Meals Haul
"Today's episode is the frozen meals hall frozen you know what that means everything came from the freezer aisle we're cooking right I mean we're not gonna eat it as a as a popsicle that would be funny you know when I was a kid I used to make these frozen weavers chicken dramas and I would have no patience because you couldn't like thought in the microwave you couldn't there were no cheats I would just put him in the toaster oven if it was supposed to be twenty five minutes I format after fourteen and just eat them all frozen or they they were fully cooked I though yeah okay so they were cold icicle chicken legs I was an animal do that with things that I if I do it for says like two and a half minutes all at two fifteen I can't wait the extra fifteen seconds I'll take it out so it has a little ice in the middle bears hopefully today these finds will not right half that all right so what what do you got here today Michael Okay this is a strange one on you can now take an AC bath the lemonade and Blue Raspberry and cherry the ice by they now have bath bombs oh you make bath and you put the bomb in there and you can soak in lemonade cherry or blue raspberry yeah don't drink it though because that's probably ooh who would want to turn your honor was drinkable soup in Blue Raspberry so they've been spotted dollar general stores but you can also get online at a site called Holler dot com and we can link to that on the how lar- alario would you take I e Senator Beth I mean I probably was so obsessed with icees when I was a kid but I was angry at them too because they were the drinks unlike slurpy by the way isis tastes better but I like the Cherry and the about them as when you put the straw in you cannot move the straw the icy stops working it does not function in the Cup if the straws moved so I just remember being a kid if somebody grabbed it or you bumped into your would be ruined it's terrible terrible so slurpy I wonder what came first slurpee or the icy the icy maybe it'll be chew to or false question in an upcoming episode and now I'm confused too because like AC so seven eleven is the slurpee right so where did ice get sold I just felt like carnival Oh yeah that's right you'll have the movie theaters like my niece Lauren who the Vegan was like can you take me to the local theater for dinner so I could get a giant tub of buttered popcorn an icy so I did that moved in that so I wanted to be a good and anyway so today we have frozen meal finds that came from various and sundry supermarkets and other places and and I'm so excited to try them as a lot of and they look great in a lot of plant based stuff not because were vegetarian just because there's a lot of stuff out there but we're going to start with some breakfast fines right we have rooster and Lark skillets and they come in three flavors rocky mountain Greek and South West thirty to forty calories I'm assuming without the eggs so these are the kind of yeah they're just add things so you throw these into skillet you cook them then you add eggs I love this trend it's like dumbing down and omelette wonder if this would work in an egg Mug I bet might get wonderful get watery we could try it all right so let's try them I don't know where they're available but Jamie he's going to tell you so these by the way have one smart point of serving you can find them at high vis a whole foods shop right and more you can even order them online and we're GONNA be starting with the southwest skillet so it's avocado butternut squash onion bell pepper you remember how the frozen avocado debacle let's see what the it's watery or gross in any way I will not enjoy it I'm GONNA put it in Iraq in Rome I'm the thing is like I this doesn't seem like a ton of egg to me it's like Africa okay you would do I would add more egg to this but there's no rule I would add because I egg great taste fresh he's like a diner scramble mikey could not be making more notice is the new lally we now so this is South West yes how's it taste is it well seasoned it's wall season it's it's okay I'm not a lot of good my Egbo with like laughing how it's kind of bland ends a little salt but everything needs a little salt so Ireland's tributary yeah we're gonNA plow through the breath this one is rocky mountain. What does that mean hockey mountain so this is chopped sweet potato onion and bell pedal sweet potato Kale on all right here you go we're GonNa try got a fair warning because I know you don't like some of these it's got Rosemary thyme Regen Oh boy so much rosemary I always say she's such a jerk yeah you hate those married Rosemary tastes like Maximus cream if anyone agrees with me they should write in text you because it tastes like like nausea skin cream I don't know it's too much rosemary I've never thought about rock nausea I could see that I guess my dad used to put it on his face like lewd long vacation when he got a sunburn he would put it on his face and like watch him and then I would play with my hands and times I ate it so I would know what it tastes like I didn't eat it on purpose but I would accidentally taste it and it tasted like Rosemary also when you face gets in your nose and so you kinda get that whole thing in your nostril grotesque anyway that's not that's not my favorite flavor well this one is the Greeks Gila look shop mushroom Cherry Tomatoes Spinach Fettucini he's right I'm hoping Mike fetter fetter is better right we're going to try new that's good thank you that was good Oh did anyone get that off the frozen avocado in the first one I didn't I saw it and I voted it the best you go how many calories in the week one thirty it's weird because everybody's out a little bit of butter in there but there's probably not right data the fat yes definitely the this one's forty yeah nice it's got the cheese I would eat though I like the Greek one all right again those are rooster skillets we will link to a store locator yes and I'm so glad that we tried all three member we were debating combat third one is definitely the recommend Asian show okay moving on we are moving onto some trader Joe's products trader Joe's we have trader joes mildly sweet and spicy beef and Broccoli mildly sweet and spicy is it mildly sweet and mildly spicy? No that's a good question and it comes in a big bag yep big green bay Ugh so it's multiple serving K.. This is one that's one serving Yeh Cup with the sauce doesn't large how many cowry shells so this is two thirty pretty small portion for that to thirty eight grams of fat nine grams of protein and nine smart points oh well you know what it looks like the is the beef breaded it looks breaded Broccoli's not supposed to be ready to leave British beef that is unnecessary that's not true delicious I'd say it's very sweet eight and almost very spicy most really grown it's delicious is it worth it I would load it up with more Broccoli leave and then maybe it would be worth it look a giant bowl for what two hundred thirty two thirty yeah that's what time I go to the dentist there's plenty of sauce Yup exactly so you had more edge and you're good okay that's a trader Joe's and you can find it a truth now we have trader Ming's should Taki mushroom chicken so this is real chicken for one cop it's a hundred and eighty calories eight grams of fat twenty grams of protein and it's good this one has got you're talking mushrooms at Amami Green beans and ginger soy sauce okay so these choice of white meat chicken this is not breaded I see little pieces of Eta Mommy and green beans it's all there and this is also a big multi serving bag how many servings in the back I think it is just I love talking mushrooms do I do I love I love restrooms think this is anything special the chickens a little robbery in a way that I don't expect from trader Joe's either outlier I love it because I love Chautauqua Mushrooms rubbery chicken I do it's like my favorite thing rubber chicken reheated as such a hit and Miss drink and this one is only four smart points by the way okay good well you might like it and if you add more veg again you can get a nice big bulky it's good as like a fallback uh-huh keep that in your freezer and if you have some fresh vegetables you can just throw it in I feel like that's the biggest hungry girl take away when it comes to frozen meals is always have in addition into those frozen meals a bag of frozen veg yeah and keep Mixim I do I get Broccoli slaw and I keep Broccoli slaw in my fridge at all times and I just use it as much as possible for those of you don't know what Broccoli Slaw is I get it in the produce section and it's Broccoli stems that have been shredded carrots and Purple Cabbage Yummy uh-huh okay we're moving onto meatless this is sands meat I up morningstar farms popcorn chicken chicken so it's fake chicken plant based chicken twelve pieces two hundred calories eight grams of fat grams of fiber so it's so must be fried they they are they're cute you you need twelve of them when Aaron saw these errands ago when she saw this she flipped she like we got goes directly she was dancing in the hallways dancing on the highway it tastes like a stuffing ball so these a half a point each I like that you get
The Impossible Burger Is Coming to a Shop Near You
"We have some plant-based news to start what we do. We do it's happening. The impossible burger is making its way to a store near you. Yes that's true. It's going to be in the stores so here's the deal at debuted in southern California last weekend at Elson around. It's like our took a higher end store. I guess but then it's GonNa be in all other stores after that and then it's going to debut on the East Coast Post in just a few days and then as the year goes on it will gradually be released throughout the rest of the country and they're sold in twelve ounce packages for eight ninety nine and we have a package right here at least is holding. I'm squeezing it so this is impossible burger made from plants and by the way everything here today is we're calling plant based but it's it's all things that are will fit in with a Vegan Diet we're not saying every single thing we're trying as only made out of plants so hopefully you guys will forgive her for that but no animal mall no animal byproducts exactly no animals were harmed if I didn't no you're holding a package of the impossible murder packed the meat ground beef it. Does it look easy as my mom would say chop meet. Jamie was like what are you. What's chummy? It's such a New York thing but it does it really looks like ground beef the thing about impossible the impossible burger her and you know a lot of these substitutes. They're high in fat. Your high in calories like sometimes higher in saturated fat than regular beef especially extra extra lean ground beef. It's so strange it is. I don't know what what if my eyes weren't so bad. I'd be able to tell you the tagline off flavor. No Cow so one third of this twelve ounce package is two hundred forty calories fourteen grams of fat and eight of that saturated so it's not even like that's a terrible. We'll stop at like what's in it if it's plan paced like where's all the fat coming from like you. Can you tell okay so the ingredients yep. The ingredients are soy protein concentrate coconut oil sunflower oil natural flavors potato protein. It looks to me like it's the oils so a lot of oils. That's what's GonNa make it taste rich like. Is this the one that bleeds or is it the other one. There's there's what's the other on call them on C. on exactly beyond meat. I like all of them like they all taste good to me but I've been eating like fake soy meat for a million years I thought was the originator Morningstar farms. I love all that stuff. Through this stuff. I guess is more popular because they're like okay. Infuse it with fat make it tastes rich and and people will embrace it which they have and like now the thing that's all the rage is the impossible walker which we are going to be taste testing. You excited. I'm very excited excited. I told you I had my first dodger dog the other day so this is like a big
Airbnb and Marriott Each Want What the Other Has
"Is a little bit of point counterpoint in the hospitality industry to report on today. First of all Airbnb says it's thinking about getting into more formal hoteling it's going to take commercial properties and rent them out at the same time. The Wall Street Journal reports that Marriott is going to start its own Airbnb like thing for renting out vacation homes, cozy atmosphere neighborhood vibe without the sometimes dodgy wildfire clogged sink when confined in an Airbnb. Marketplace's Megan McCurdy Krino has more on what am I take for Marianne to compete in the home sharing market that is so disrupting its business Marianne it's been pointing out in a recent commercial that there are a lot of ways to spend the night with them. Homeboy for Tony. There's Ritz-Carlton for hip. There's w for family friendly, they're Springfield sweets, and for a plain old hotel room there Sheraton thirty hotel brands, endless experiences. Adding home rentals tha that ecosystem makes a lot of sense says Howard Adler, a professor of hotel management at Purdue University really benefits them because they're expanding their their network already. Adler says home rentals could allow travelers to stay under Marriott roof for every trip. They take for business or pleasure and get loyalty points. But there's a catch much of Maryanto. Tell business is independently owned MorningStar analyst, Dan wa- select says home sharing may cannibalize some of that business. There is some, you know, risk vats alienating the traditional hotel franchisees that are joining the Maryanne brand renting out private houses. Even high end ones. Also, poses risks homes and hotels are built with different safety standards. Aroon soon Dhiraj on a professor of business at NYU says that's one example of why it's going to be difficult for Marriott in another hotel chains to compete head on with Airbnb. I think Airbnb has made depot. Inroads into the hotel business than any of the hotel chains will into the home shedding business. Andy says Mary interest in the market makes the home sharing business. Look more attractive as Airbnb prepares for its IPO later this year.
"morningstar" Discussed on News Radio 690 KTSM
"I do it all over again all the of yesterday in Greek style, the lamb spat started around what four five o'clock morning MorningStar turning badboy. It'll be ready. Be ready. Come afternoon. So yes, it is Easter again for me. But I hope everybody had a wonderful wonderful time. One of the things we say here on the program often this gonna keep a scoreboard just for myself. Like, a see I told you so see I told you so scoreboard where you know, people. There's another one, and it's pointy many of the things that we call. They're not. It's not stuff that is short term. Sometimes it is sometimes I'm I'm I'm able to spot a gassy right away. For instance, snapper left and many other companies over the years that I watch implode. And I warned you about here on the program. But many things are are trends. And that she's been wrong way of putting it trends lifestyle issues or conventional wisdom. How about that? We'll take it in this direction. Oftentimes here on the program. You hear me say conventional wisdom is poison. Poisoned. It is a sales pitch. It is something that was crafted by some person at a advertising firm, a marketing firm, somebody is looking to sell you something. And these people are good at this. They're they understand human nature, and they understand it. Well. And they're able to craft their various different narratives to get you to believe in something. Many times they could actually be a way of life..
Tesla's Elon Musk may be in contempt over tweet
"Well, some more drama at tesla today with the SEC facing a new round of fines on or punishments for allegedly. No, this is actually from the SEC on tesla, which is facing the fines or punishments for allegedly violating Elon Musk's agreement about what he does on social media shares. However didn't fall much on the news less than half a percent. Here are the views of David Westin. An analyst at MorningStar if you're cracked down too hard on them. He might just say I'm out of here. And you don't want that. It's a very tricky balancing act, and you've got a lot of friends family and very strong cheerleaders now on the board and people like Larry Ellison. They're not going to tell the on what to do they believe any long long-term, even so not so good to have your CEO facing, a contempt action from the
"morningstar" Discussed on Talk 1260 KTRC
"And also Dr utilize Vig who is a nationally renowned expert on Alzheimer's and dementia. So welcome again, we're back. I just have these three sets of eyes staring at me. Like, I'm supposed to be the daily entertainment. I could do that. I could sing and dance for you. So when we went into the break, we were talking a little bit with Melissa about some of the things we do at MorningStar with lavender sky, and so on so you can certainly continue to to expand on that. Well, thank you for the opportunity. Lavender sky is an ambition. That's the way that we like to call it some ambition that MorningStar really only started last June. It's pretty new in our understanding we created a place where we could gather better education support each other as care partners and caring for folks with memory impairment. This ambition is to enter to embrace into explore explorer is my favorite part. And then we really want to meet that person where they are understands what they are understanding and try to find that unmet need. There's really something to be said, even when someone is saying something like I want to go home. What does that mean? What's the symbol right behind it? So it doesn't necessarily mean that they want to go home to the little brick house on one two three main street. It could really mean something else. I always joke that I've lived in three homes myself when I'm on the road like being here in Santa Fe, and I'm in the hotel, and I'm missing my home. I'm not thinking of the brick walls. Right. I'm thinking of my family. My husband and my two poodles. I know that if I have dementia, and I'm asking to go home if you hand me a poodle or probably come down right away. Right. So are you saying we should keep poodles in stock at MorningStar, then pre K several? They'll have to settle for Dolly. Yes. I wanted to ask you how much work went into this lavender sky.
Once Impossible, Engineered Burgers Catch On
"Business wars daily is brought to you by papal when it comes to growing your business. You need a partner you can trust for today and tomorrow and pay pal processes over ten million payments per day. That's experience you can rely on. Visit pay pal dot com slash growth to set up a free business account today. From wondering, I'm David Brown. And this is business wars daily. Happy Monday, everyone if you're like me, you may be feeling like you indulge just a little too much over the holiday weekend. And that it's time to return to some healthy eating, maybe even give up meat. That's true. You're hardly alone. Consumers have been snapping up new kind of plant based burger that not only tastes like ground beef. It looks and bleeds like it. It hasn't been available everywhere. But that's about to change in the process, creating what could be a well bloody rough war between rivals backed by some of the biggest names in Silicon Valley. So far impossible foods are Redwood City California start up as made it's impossible burger available only in restaurants from fat burger to white castle. But next year it's coming to grocery stores. The company announced this month that'll put impossible foods head to head with beyond meat who's plant based burger was the first to be sold. And supermarkets not next to the veggie burgers. But in the meat section ten days after impossible foods announced it supermarket intentions rival beyond meat said, it's planning to go public with the one hundred million dollars at hopes to raise a company will expand into restaurants. So what are these things exactly they're not veggie, burgers, like Boca, burgers, and MorningStar farms patties, which have been on shelves for years, rather, they're engineered from plant proteins and intended to look smell and sizzle just like meet the products, which in beyond case also include fo-, sausage, and chicken strips are designed to tempt omnivores not just vegetarians founders of both companies see their missions is feeding a world with nine billion people without harming animals or worsening climate change impossible food CEO Pat Brown molecular biologist has an even greater ambition. He wants to end the use of all animals in food production by twenty thirty five. The broader mission has captured the attention of social investors like Bill Gates who's invested in both companies on a more prosaic level. These burgers might just help with those early December diets that is before the Christmas Turkey and ham Tempus all over again. From wondering this business worse daily? Hey while you grabbing a quick snack. Take a second. Give us a five star rating on apple podcast, Google podcasts. Stitcher or your favorite listening? Apogee? Thanks. I'm David Brown. Be back with you tomorrow. Business wars daily is brought to you by pay pal when Zeke was a kid spending summers on his grandfather's farm. He knew he wanted to be part of bringing wholesome food to people. He started his artisanal Honey company be raw by creating a network of dozens of beekeepers across the country. When he got his Honey into high in national stores, he thought he'd made it, but when he saw his margins decreasing due to distributor fees and seasonal production. Made it difficult to meet retail demands Lee decided to take his products primarily online from the get-go. He featured pay pow prominently on his site because he knew it gave his customers confidence that he was a legitimate business with quality products over the past five years. Pay palace helped him convert more clicks into sales and expand his business. He's grown every year and added new items like t candles and beauty products. So when you're ready to grow your online business pay pal can help you turn shoppers into buyers. Visit pay pal dot com slash growth to set up a business account. You can sign up for free today. That's pay pal dot com slash growth.
CNN's Jim Acosta has White House press badge revoked
"The White House has suspended the right house pass of CNN's Jim Acosta, accusing him of harming an intern who was trying to grab his microwave during a contentious exchange with President Trump accuster responded on. CNN but didn't put my hands on her or touch her as they're alleging. And it's just unfortunate that the the White House is saying this, you know, we all try to be professionals over there. And I think I handled myself professionally in a statement CNN said White House spokeswoman, Sarah Sanders. Right. They said the White House revoked a Costa's press pass in retaliation for his challenging questions during the conference. Jury selection has wrapped up in the New York trial of Mexican drug Lord, Joaquin El Chapo Guzman. The jury of seven women and five men are to hear opening statements next Tuesday, the notoriety of the case has prompted extra security measures that include keeping all of the jurors anonymous. You're listening to USA radio news. Hi, I'm Wayne Allyn root, the conservative warrior my show. Wore now airs every day right here on USA radio from six to nine PM eastern. I'm also the star of the Wayne Allyn root show on Newsmax TV reaching over fifty million homes, but my favorite roles speaker extraordinaire, I was opening speaker at many. Donald Trump for president events, I speak at Republican conservative in college GOP events. And I'm available to be the star your next event. Contact me arranged for a Wayne root keynote speech. Call toll free eight eight eight four four four route. That's eight eight eight. I live alone and rarely have visitors. So when I slipped and fell in the kitchen last month and couldn't get to a phone. I knew I was in trouble. I could barely move. I tried calling for help. But no one could hear me as I lay there. I couldn't help. But think of my kids and grandkids having to go on without me. I was terrified it took eight hours from my neighbor to find me it could have been the end of me. That's when I knew I needed life alert one press this button. I'm connected to the life alert center where I can get the help I need even when I cannot reach a phone with life alert. I'm never alone. Go one eight hundred four one four one thousand nine hundred fifty eight for your free life alert brochure. That's one eight hundred four one four nine thousand nine hundred fifty eight one eight hundred four one four nineteen fifty eight call for your free life alert brochure today at one eight hundred four one four thousand nine hundred fifty eight. This is the Ray Lucia show. The best for the answers here. The one show that helps you make better money moves the program all about your money, your business and your life. Really? Than even. Call right now at eight four four ratio. Four. Why Joe w? This is the Ray Lucia show. Thank you very much. Thank you. Welcome to the one talk show in America. Helps you make better money. Moves Brad have you on board for this hour. Money power. Boy, the headline stocks set Bal another ten percent before finding a bottom. According to the piper Jaffray technician. Stocks due for a recession and a tumble CNBC's are cash. Stating that every decade since the eighteen fifties in the US has had a recession. We haven't had one yet. So it's gonna happen. My advice, you do not obsess over fear of recessions. Wayne, why also last hour I was discussing the seven-year asset class return forecasts by none other than GMO. Jeremy Grantham, the G in GMO also wanna talk about the market what's happening with the market right now because you know, we went from record highs. Everybody's now concerned that we're in the midst of a bear market, which is true, by the way for a lot of the SNP stocks down twenty percent from their high. But I'll get a chance to talk about that. But I wanna start today with the piper Jaffray prognostication. Just over a month ago, the standard and Poor's five hundred. Was setting record highs. According to leave now more than seventy percent of the indexes components isn't a correction or worse. With some high profile names like Twitter, Caterpillar, Ford and AMD deep in bear market territory. So what are you going to do about it? I mean this. This is really amazing to me because people will come out and say, yes, we're the stocks could fall another ten percent. But they sure as h won't tell you when because they don't know. And so what if they do? Another ten percent. When when you're up four hundred percents since the bottom back in March of two thousand and nine what the heck's ten percent. And will we recover along? We'll take for us to recover from another ten percent fall six months a year. I don't know. I do know this that obsessing about recessions, and so forth is not a good thing. You can go a long time without a recession. But art Cashin very highly respected person on Wall Street says that every decade since eighteen fifty we've had one. And since the great recession ended in two thousand nine. Obviously means we haven't had one this decade. But in reality. You can go a lot of years without having a recession. Australia hasn't had one since one thousand nine hundred ninety one according to Ben Carlson. Who's a researcher? And does this kind of research? Could we not? The entering into a period of time where we're not gonna have a recession. I find it highly unlikely to be honest with you in the near term. I don't know anything about the long-term. But I look at the economic numbers right now. An absent some squirrelly stuff with trades and so forth. That you have to hope that the president figures out a way to worm his way out of the pickle. He's gotten him with China now with Russia nuclear treaty and all that stuff. But but so far this dude is figured out. How to do that stuff? He's got the strangest way to negotiate, but it's it's pretty darn effective. So assuming he does and a lot of these companies that are freaking out like, Caterpillar and so forth. Because of tariffs with China at cetera et cetera. That too shall pass. No one ever said making money in the stock market was easy. No one ever said that it was easy. And it's not. But over a long time period you look at the charts. I mean, I'm not charter, it's okay. I hate looking at charts. I think it's a waste of time to look at charts unless you're looking at one like the past thirty or forty years and just put your finger at where it started thirty or forty years ago and put your finger where the other finger from the other hand, I should say where it is today. And you will see a nice line that goes from the bottom left to the top, right? That's what the stock market has done, historically. In between times. There have been some pretty wicked selloffs. I mean, pretty darn wicked selloffs we've had some pretty wicked ones over the last several years as a matter of fact. Since the market bottomed in early two thousand and nine. There have been corrections of minus sixteen percent minus nineteen point four percent. Minus twelve point four percent minus thirteen point three percent. And mine is ten point two percent. That's in the standard and Poor's five hundred and I can assure you every single time. The pundits came out of the woodwork said. Yep. It's over now. Harry dent probably said, Yep. This is the precursor to Dau three thousand. Which he has actually said in the past that the Dow was going to crash the three thousand and instead of crashing to three thousand it's stored the twenty five thousand. I mean. He's a smart guy. No question about it. He's from Harvard, and he's not the only one by the way. I saw Ron Paul the other day on some TV commercial, and he's expecting a whole world to go to heck and a Handbasket and many many many others. But let me repeat since two thousand nine we've seen the market, correct? By sixteen percent. Nineteen percent. Twelve percent thirteen percent and ten percent. So when I read about piper Jaffray prognostication that we're gonna fall another ten. Oh cares. Who cares? If you were smart enough to get out, and then doubly smart to know when to get back in then perhaps you would care, but I don't. All right, shifting gears to the market as I said, Jeremy Grantham produces his seven-year asset class real return forecasts and as of September thirty two thousand eighteen. Here's what he had to say. Now when I say real return that means after inflation. After inflation. US large-cap stocks after inflation. Minus five point two percent per year. For the next seven years. That doesn't look good. Now, I have to also tell you that Mr. Grantham has also been wrong small-cap, stocks, minus two. High quality stocks minus five. Large companies international minus point five small international companies, minus point four emerging markets. Plus three point two percent. So after inflation. Three point two percent. Which means a nominal return about five and a half percent. That's the best. You can do. According to grant them bonds. Don't look any better. US bonds flat for the next seven years. International bonds down minus one point eight emerging market bonds up two point two percent. Cash up one percent. So check this out the emerging markets have how do I say this? Really been sucking fair and wind lately. He had according to Grantham. That's where you should put your money. I'm not suggesting that you do. I am suggesting that your ten to fifteen percent or whatever you've allocated to the emerging markets stock and bond markets, you hang onto even though the emerging market stocks have been. But I'm also suggesting these stay the course with your plan when we come back. We'll talk more about the market where it's been and where it is year to date where it might be going and some ways to build wealth outside of the stock market. Jeremy Grantham is correct around. 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There are no application fees, no annual fees, just quick access to up to two hundred fifty thousand dollars. If your business did not receive your approval letter to get up to two hundred fifty thousand dollars. Call main street business loans approval desk now eight hundred four three seventy five seventy eight hundred four three seventy five seventy eight hundred four three oh, seventy five seventy that's eight hundred four three O seven. Five seven zero folks. Helping you make better money. Let's talk about the GMO seven-year asset class real return forecasts, and it doesn't pretty at all. Real. Meaning after inflation. US large-cap stocks expected to earn a minus five point two percent after you account for inflation. Which means they're gonna lose three percent. Per year for the next seven years. Nominally? Crazy stuff man who wants to lose money in the market. International stocks pretty close to break even down a little bit. After inflation. But emerging markets are the only ones. That actually are above water three point two percent. And on the bond side. It looks equally as dismal. International bonds down minus one point eight percent. Emerging market debt up two point two percent. So it's just not looking all that hot. I'm gonna talk about some alternatives here in just a moment. But I thought that I would refresh everyone's memory on where we are year to date. In terms of the market performance. And this could change. Any moment because Marcus have been pretty volatile lately, haven't they? The Dow's up three point seven two percent. The NASDAQ is up seven point seven four percent. The Russell small cap index is flat point three eight percent. And the standard and Poor's five hundred is up four point zero nine percent. Now, if you've got an adviser, and they're charging fees. You're going to have to subtract that that's just from the index itself. Now bonds have been in the tank this year. And I wanna talk about this a little bit later, hopefully an opportunity to do that. But core US bonds are down minus two point four one percent. Long core bonds minus six point four four percent year to date. People buy bonds because they're supposed to be safe. But in a rising interest rate environment and can be nasty corporate bonds. Minus three point three two percent long corporate bonds. Minus six point five five percent. Government bonds, the safest of all. Minus two point two one percent. Intermediate minus one point five eight percent. Long minus six point three five percent. Make alone that the government this year. A long term loan twenty thirty years. You lost six percent mortgage. Bonds minus one point seven seven tips treasury inflation protected securities, minus two point six percent. Knowing that really looks okay and the bond world high yields are up one point six percent. And T-Bills cash basically one point four one percent. So where do you go to build wealth in a market like this? Well, number one is you do not. Bail on your stock market portfolio. But as I have mentioned for years and years and years looking at alternatives to the stock market can make some sense. And alternatives to the bond market as well. Alternatives to the bond market. Could be other forms of debt private debt and so forth. And you gotta look hard for this stuff. You need a very very good financial adviser. You don't have to look quite as hard in the insurance world because insurance companies compete favorably with bonds with certain annuities. We talked yesterday about multi-year, guaranteed annuity contracts. They compete with CDs virtually no risk if you hold until the end and you'll get a better rate of return from most companies, then you'll get from treasuries. Fixed annuities index to new itys variable annuities with guaranteed minimum withdrawal benefits, locking in some kind of a guaranteed income stream in the event the whole world collapses. Those are great ways for you to diversify away from the stock market, but still have the benefits of the stock market. If things do well if they don't do. Well, you're still okay because you locked in a guaranteed income stream for the rest of your life, which will probably translate into a bond like asset, and depending on how long you live. It could be a dog on good bond. But more importantly, it gives you the ability to wait out the storm in the stock market. So what are some of these fresh alternatives to the stock market? Well, we've talked about rental properties and vacation homes. A lot on this show. And there was a company now I forget their name. It'll come to me that evaluated. A lot of these different strategies in terms of how much orders yield street. How much it costs and how hard is it to do? So rental properties, the drop in home ownership rates is obviously led to a rental, boom. But you've got to be very very careful here because some markets you could lose your shorts in. So here's what they said about rental property and vacation homes. The setup is hard. It is got to do your homework time commitment is high. Money required, medium, twenty to one hundred thousand bucks, and the research is on you. Then they went to commercial property. You got to put a lot of money into this money required. Two hundred and fifty thousand time commitment medium setup again hard. Franchises like a subway or Dunkin donuts and all that you can earn ten percent. But it's very very difficult to make that work for you, unless you're the person behind the counter, and even then you're not going to get rich. Now, if you own twenty six Dunkin donuts or Jack in the boxes, you can make a fortune if they all work, but they're not all going to work perfectly. But your time commitment is high. The setup is hard the money required. Big fifty grand for the little Mickey Mouse franchises. And even Dan if you hired a manager you still got to watch over them. If you put fifty grand down, and he made ten percent five thousand bucks a year. I don't know if it's worth the risk. There's peer to peer lending this actually pretty easy to do. Go online, and you can get pretty decent rates of return. Anyway. Some alternatives at least to the stock market. I wouldn't get too crazy here big allocating some of your money to alternatives wise move. My preference is to find a fund that does these types of alternatives for you be willing to pay a fee, and let them do all the hard work. So you can sit back and go to Dunkin donuts. Have a Cup of coffee in about eighteen hundred calories. We'll be back. 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You just have to understand them and understand the role that they play in your portfolio. I mean in an ideal world. You'd figure out how much money you want to spend from your portfolio each year and ladder out some reasonably safe bonds and every year when the bond matures. You'd have the money go spend it and everything's cool. But as we discussed the other day. Most small investors get hosed when they do that. Because of the bid ask spreads and so forth. And you never really know what you're getting until you got it. So hence the bond fund over the years has come to fruition. And for the most part, they're pretty efficient way to buy bonds. In particular, if you're reinvesting all of the dividends, and you have them there for some form of safety. It's not what I would recommend you do with one hundred percent of your fixed income portfolio. But the question I get more than any other one on bonds is why do bond funds lose money. When interest rates are going up. I'm buying them for safety of principle. Well, we haven't had the deal with that much over the past decade or so because interest rates really past thirty years or so because interest rates had been on the decline. So bonds didn't really lose. But so far this year. They're hitting the skids, pretty hard. Pretty hard. Two six percent, depending on what you own. So as I've mentioned many times before there's an inverse relationship between interest rates and bond prices. So as interest rates, go up the value goes down. Let me give you an obtuse example to make the point. Let's say you went to the Bank. And the Bank was paying five percent interest on a CD. So the bond that you went out and searched for at least earn the same five percent or the person go to the Bank. So let's say you decide to put a grand thousand bucks in a bond that pays five percent. So now, you're getting the same interest from the bond as you're getting in the Bank. Now, what would happen to your bond? If the Bank happened to raise interest rates from five percent to say ten percent. You already bought the bond. So you're sitting there earning five percent. But you know, you can walk across the street and get ten percent. In a CD. So if you wanted to sell the bond. Paid five percent you'd have to reduce your price. Because anybody that would buy that bond from you would obviously prefer to go to the Bank and get ten percent rather than paying you par value for the bond and earn five. So the bond that you originally bought for a thousand dollars that pays you fifty bucks a year in interest. Would have to be reduced in price to five hundred dollars. Because a ten percent interest rate on five hundred bucks produces a fifty dollar per year interest payment. So therefore, you would have to reduce the value of your bond by fifty percent. That's what happens in the bond market. Now interest rate Dongo from five to ten percent. But I think you get the point. Now the Federal Reserve. Held interest rates at near zero for almost eight years. So we have not experienced this kind of dilemma with bonds and bond funds in the recent past and with interest rates rising bonds tend to look more attractive from a yield standpoint. But if they continue to rise, the total return may not be nearly as attractive. We've talked about alternatives. Many many times before. One alternative is to hire a bond manager that can go anywhere. Remember, I said before that high yields we're actually up so far this year not much but nonetheless up long bonds were down substantially. And most financial planners. Not me. Recommend allocating forty percent bonds. I didn't do it. When I was practicing and interest rates are on the decline and bonds were great performers. Because I always knew that at some point interest rates would change and people wouldn't understand why the safety portion of their portfolio was losing money. That is not to say, I wouldn't have some money allocated demands are just wouldn't do almost fifty percent of the portfolio. Especially when I can find alternatives like fixed annuities and fixed indexed annuities that produce returns that are very similar if not better. Especially when the stock market's doing well, but I wouldn't abandon them. But some people think well, wait a minute. Maybe my bond fund manager is asleep at the switch here. So maybe they are. But the problem with some bond fund managers is. What they're hired to do is by let's say government bonds. It's the government bond fund. So they can't switch to high yield. Because that's not doesn't have the same risk profile. So many times even if the manager frankly wants to go to cash or do something else. They don't want to let let the cat out of the bag here. They're in the business of managing money Abban managers in the business of managing money. Just like a stock managers in the business of managing money. And they don't want to not buy government bonds if their strategy is to buy government bonds, even when they perhaps think the buying government bonds not so hot. So rather than by a single purpose bond fund. You can buy a bond fund where you trust that the money manager will try to go to the right place to find the right bonds. I'm not suggesting they'll do better or worse. I'm just suggesting that they have more flexibility. I mentioned other alternatives fixed index the newest he's why are interest rates going up interest rates are going up because there's a fear of inflation not necessarily inflation. But a fear of inflation. And the unemployment rate is going down and wages are going up. And that bodes well for stocks. It does bode well for stocks. So if you have interest in a quote bond like an annuity, and the interest was calculated based on how well the standard and Poor's five hundred or some other stock index did. And there was no possibility of a loss. Why wouldn't you take some of the bond portfolio and put it there? I don't know it makes sense to me. Hi, did it to the tune of millions and millions of dollars for clients back in the day. And they never got angry because they never lost money. Now, they didn't make much either. There are making fourteen percent. When interest rates went down two hundred basis points on their bond fund, but they didn't lose six percent on a long year long bond year to date, and if you looked at the performance over a five six seven years, and in fact, there's academic studies on all this stuff. You'd find that their performance has been very competitive with bonds, and in some instances even competitive with stocks, although I would never ever buy. It has a stock market alternative. But if you want something that's safe, then has an underlying guarantees. You can also slip in one of those guaranteed income benefits. If you prefer that. And they're priced earn three to five percents. Don't let anybody give you any Gulf about eight nine percent. That's bogus information. They're price earned three to five percent. Just like bonds only, they have no downside risk. And bonds today with interest rates going up, certainly do have downside risks. Don't eliminate all the bonds because of interest rates come down. You'll do very well in a bond fund. A rising interest rate environment. Not so much emails next right here in the. He like business content. I mean, if he did like business, you wouldn't be listening to this show. Right. What if I can give you even more of what you like we've never met. But I'm willing to bet you are very busy between your work, family and outside. This little car ride is your time to catch up on your favorite show. But you always get to tune in. Exactly. Now, there's a business club with you in mind. This is the place for business videos on demand. We have partnered with this show to provide you more of the content. You like the best part? It's all on demand. That means you log it anytime from any device and watched shows the answer all of your business questions. For a limited time, you can try it for free for thirty days. Simply go the biz dot com, promo code radio, VOD dot com, promo code radio. It may have been a messy divorce that suddenly cut your income in half. But not your bills. It might have been an injury or illness or your boss, just cutting back your hours. It doesn't really matter. How you got in over your head? It only matters that you are and that we're here to help. If you've got over ten thousand dollars in credit card debt, and you can't ever see breaking free call action debt and do it now being in over your head is a vicious cycle one day late. They charge you a leap. Miss a payment w rate. You just don't think of fair and neither do we. 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It didn't get to everything. I wanted to get to today, but I do get to a couple of emails here. We'll start with Allen. Alan. Says right loved the show. I'm self employed. It looks like I'll have about fifty K leftover this year. How can I say some taxes? I take eight K per month out as income, pardon me. Well, self-employed probably means you are unincorporated. I might be thinking about a corporation. Probably not for this year. All though depends on how much money you're gonna earn between now and the end of the year. Because what you may be able to do. Is incorporate? As of mid November or something like that. And then not take any income out of the company until after the first of the year that way any money that you would earn the balance of this year, the corporation would earn and not you wouldn't show up on your tax return until next year. And you'd be able to do something. That could shelter that money between now and then. So really? That that tactic. It's probably something you'd wanna do for sure. Next year. This year and talk to your advisers. It may or may not work. Now, if you are self employed, and you have kids under the age of eighteen I've talked about this before. But we now and the end of the year is Christmas break there's thanksgiving. There's a lot of time those kids could work for you. You can
What are the 10 things successful retirees do?
"Is the rain Lucia show. Get that excited me. The raylucia program bringing you the best in money information. That's exactly what I have planned for this hour. Money power as I talk strategy with you. Also, one of the ten things successful retirees do John wash who's been on this program before four. A good writer. No doubt wrote about that. He doesn't look old enough to be retired. So I don't know where he's getting his info, maybe reading books and stuff. But it does have some interesting ideas here on retirement, and since I am an expert when it comes to trying to retire. But can't. I should be able to have some commentary to go with that. Robert C Lawton rights fiduciary investment advisers may add more than six percent in value nine talked about the Russell study. And all that the four percent four percent is kind of the number. You get that from Russell you get it from from vanguard. Good best practices advisor gross of fees about four percent and Etta vs. It's worth three percent per year. That's been proven out MorningStar did a report as well. And without behavioral coaching. It was still about one and a half percent whip behavioral coaching. It's about three percents. Morningstar study was even more interesting in my mind because it generated twenty five thirty percent. More income in retirement, that's really important. Anyway, I don't know about this six percent number may get a chance to talk about that conversions for the older, folks. If you're over seventy and a half, should you consider doing Roth conversions Mr. Ed slot wrote about that I'll have my own comments. But I start today with strategy and a mistake that a lot of retirees especially those that are a little bit wealthier and charitably inclined are making Larry light from Forbes actually did an interview with a felon. The name of Rick keilor's from the Keillor financial group in rapid city, South Dakota, where you're listening to this program right now, I believe I do appreciate that. Kayla. Brought out some interesting points when he talked about the mistakes big mistakes. I think that those that make charitable contributions each year are missing, and that's the cue CD. Remember when you're over age, seventy and a half. You're able to send money directly to your charity from the IRA a lot of people say, well, that's not that big of a deal. Can be a big deal. Remember when you're seventy and a half, you have a required. Minimum distribution a required. Minimum distribution must be taken every single year based on the account balance as of twelve thirty one from the prior year, and that's the account balance of all of your IRA's set by are as simple IRA's, traditional IRA's, non-deductible IRA's, rollover, IRA's all of them, Adam altogether. What's the balanced? The end of twelve thirty one seventeen. And if you're seventy and a half this year, you've gotta take approximately four percent of whatever that number is and pay tax on it. Now, if your age sixty five or older. Under the new law. You get thirteen thousand three hundred dollars of itemized deductions if you're married that's twenty six thousand six hundred dollars. So by donating out of your IRA, you can reduce that required. Minimum distribution by an amount equal to your charitable gift. Think about that for a minute. You must take and our MD that's a requirement required. Minimum distribution. So have you take your required minimum distribution? And then on Sunday donate a bunch of money to your church. You got a double whammy on that had to pay tax on the required minimum distribution. And you may not get a deduction.
Elon Musk says he wants to take Tesla private at over $70 billion
"Tesla CEO Elon Musk's at the internet and stock market players of flurry. Yesterday after he took to Twitter to say, he might turn tesla from publicly traded company into a private one Tesla's stock soared because to do this tesla would have to make an offer. Shareholders could not refuse. The stock ended up eleven percent. Is this vaporware or is this a real plan? If it happened, tesla would be the largest company ever to go from public to private musk claims. He's lined up the huge amount of money. This would take marketplace's jed Kim has more Elon Musk can't seem to stop making headlines these days. David Wisden follows tesla for MorningStar. He's tired of getting called almost all my interactions with hustler actually not with clients. There was members of the media. Yeah, still, he says, tesla going private would be a big deal for the company and for investors who would have a choice. To make you would have the opportunity to not sell, or you could sell a four hundred twenty dollars a share. If they stay shareholders would become external investors with the option to sell twice a year. It's a structure that exists at another musk company SpaceX. What does he Lon musk stand to gain by going private. Carl brower is with Kelley blue book in his mind. He would have full control and he could think long-term, no, more quarterly earnings reports, no more shortsellers. Let's focus on immediate profits. Nobody would be able to really say anything about it. If you're a private company must holds a twenty percent stake in the company. So he'd still have a lot of private investors to answer to, but it'd be, you know, private
NYC helicopter company had 3 crashes in 11 years
"The new york senator says a helicopter company in sunday's crash should not be flying correspondent warm levinson reports new york senator chuck schumer says the operating certificate of liberty helicopter the company that owned the chopper in sunday's fatal crash should have its operating certificate suspended while the incident is investigated no one knows what's happened i don't think liberty should be flying until we get to the bottom of this schumer noted the companies had three crashes in the last ten years five passengers died when the sightseeing helicopter crashed into the east river capsized and sank fire department rescuers say the victims were strapped into their seats in a way that they couldn't free themselves warren levinson new york we mal investigators in austin texas believe a package bomb that killed a teenager and wounded a woman in austin is linked to a similar bombing that killed demand elsewhere in the city this month investigators say they're considering with i'm bruce veil with your money now president trump's tariffs on imports of steel and aluminum could push car prices higher by a few hundred dollars analysts said morningstar predict the price of a car will rise one percent overall due to the tariffs based on its conversations with ford and general motors car prices have been steadily increasing in recent years has buyers flocked to more expensive and more tech savvy pickups and suvs any further price increases could be tougher customers to swallow potentially hurting.