35 Burst results for "Nine Hundred Hundred Dollars"

Volleyball Player Averie Allard Pledges to Walk for Indigenous Justice

Burn It All Down

02:00 min | 2 weeks ago

Volleyball Player Averie Allard Pledges to Walk for Indigenous Justice

"Most recently every has committed to walk with her dog. Rory and whoever else is willing to join them in supporting the students that have been found on the grounds of residential schools. She has committed to walk. One kilometer for every child found and has already raised over nine hundred dollars in hopes to continue her fund raising through the summer. Okay so let's start by also offering this space to recognize what it incredibly difficult month. This has been not just only because of the recently more recently found bodies that have been unearthed in saskatchewan where you are and not very far from where you are from what i understand but also the two hundred fifteen that were found in kamloops the beginning of the month so when you decided to walk rory did you know that this would just be the beginning I wasn't sure because when the first group of children were found it wasn't really a canada wide search From what i understand. It wasn't curious. Search this residential school to find the children Kind of happened I wasn't aware that the government would put out the money to search the residential schools. Because as i understand two thousand nine there was a big push to do so and the government flat out said a million dollars is too much money to search these grounds So knowing that. I wasn't too sure if all the other schools would be searched and there are so many of them but knowing this i kind of said okay. Well if they do you know. I don't have to time my walk. i don't have to say by the end of the month. But if they do. I i won't keep killing myself to walking because at the end of the day i i think that every child that didn't come home deserves the justice and i think it's ridiculous that it's been eleven years since that was the first demand to search these grounds. And now we're finally doing it. I'm old enough to understand to do something about it.

Rory Kamloops Saskatchewan Canada
Lumber Prices Dive More Than 40% in June, Biggest Monthly Drop on Record

Denver Real Estate Investing Podcast

01:30 min | 3 weeks ago

Lumber Prices Dive More Than 40% in June, Biggest Monthly Drop on Record

"Prices are up like four hundred percents as compared to eighteen months ago. You have a shortage of sawmills. You've shortage of raw. Lumber mills have been shut down due to cova all these other things that pile up and at the same time. You've had this increasing demand for lumber because people want bigger homes. People wanna do home renovations all these things. And so you've had this disparity between supply and demand which leads to increased prices. Well actually over the last sixty days. Lumber prices have come down about forty percent from their peak at one point. Lumber prices were up to sixteen hundred dollars thousand board feet which was a record more expensive price than ever actually down now as of i think last week closed at like nine hundred dollars for a thousand board feet now the two by fours the plywood everything you see at home depot still going to be more expensive than what it might have been three or four years ago but we are seeing that come down. We're seeing supply pick back up With help with people renovating their homes help with new builds It's just kind of really been just a short term problem. I don't think personally the prices are gonna go back to pre pandemic levels because that's not the way inflation works but it's kind of a nice little relief that we're seeing For some the home builders some of the people that are thinking about remodeling some of the people are thinking about buying a new home and wondering what's going to happen with prices of construction in the future. Come down a little bit. Which is i think a good sign. Yeah thank goodness i mean. That's that's needed. And i mean prices can't go forever road they want them to. So that is great especially since we have not been tori and lots of

S6 E12 - This is how to get (financially) healthy

Courage to Fight Again

19:24 min | Last month

S6 E12 - This is how to get (financially) healthy

"Your housing your food your transportation and then medical and absolute necessities so if you have prescriptions or you've had doctor's appointments or you absolutely have to have daycare because you don't have family or friends that can watch and you have to pay for daycare. Those are absolute necessities. Everything else is extra fluff lifestyle spending. So when you're going through and figuring everything out these four things need to be taken care of welcome to another episode of the we serve now. What podcast the show. Where i do my best to answer the questions veterans and their families are already asking so you can make your post military life your best life. My name is aaron perkins. I'm a us army combat veteran husband to a beautiful wife. Daddy to amazing kiddos. I'm the author of the resolve book and that is a step by step guide. That takes you the veteran through a process of rediscovering. Your life's purpose. After you left the military. And i gotta tell you i have so been looking forward to today's episode because my special guest is here to talk about something that matters to every single one of us is topic money. My guest today is quite boss. Marco is a twelve year navy veteran who deployed in support of operation enduring freedom. He got out got his bachelor of science. Degree started a side gig as a financial coach in two thousand sixteen while working in the nonprofit industry in didn't take marco long to realize that he was struggling with a lot of the same financial issues as the people. He was trying to help so in an attempt to fix his own struggles. Marco applied business cash flow principles to his own finances with an eighteen months. He added nearly one hundred thousand dollars to his net worth and his skills are skills that anyone can use. Marco now has his own financial consulting business. Called live like others. can't marco. it is so good to have you on the show today. Welcome to we serve now. What a thanks for having me on. It's pleasure to be here to serve all the rest of the veterans. They're listening absolutely man absolutely. Been looking forward to have you on the show. So what just take a few minutes and introduce yourself. Tell us a little bit of your back story how you got here. Well you covered a lot of it which was great but like it said so. I served twelve years of military. And when i got out i had a mountain of debt. I think it was like sixty thousand dollars in debt. When i left active duty was going to school got my bachelor business management and when moved down to florida a job. They're kinda help me pay down some more of The debt that ended up having once i got back from afghanistan. 'cause so side note. I went to afghan volunteer to to afghanistan to pay off my consumer debt and paid off the debt and then had a ton of money when i got back and did some investments that were really great but the problem was is. I didn't change my spending habits and some other habits. That i had that were really ingrained so i ended up building up that data again and was down in florida before i moved back home to ohio i ended up with like it probably about another twenty grand worth of debt when i moved back home and i was like said twenty twenty sixteen. I started looking at my personal finances. I got married in two thousand fifteen and after a year of trying to manage to all that we finally got everything into really like one pot start applying the business finance principles to my own personal finances and when i first started i was negative. Twenty five thousand dollars in my net worth so because all everything and i still wanna own twenty five thousand dollars so when i started applying some of those principles and turned it around and it was like oh my gosh in eighteen months be able to get to seventy five thousand and net worth. It was not so. I started taking some of those same principles and teaching some people. I knew some friends. And it's like okay. I really got something here but was really interesting. Is that these same principles basic math principles but these are the same things that have teaching the low income. People that for the nonprofit that i was working at so is really crazy that. There's so much parallel. The only difference is that my mistakes were spectacular because there is a larger amount of income to work with so it's it's really interesting the mindset that we don't teach so i that's what it was like. Okay there's a group of people working in the nonprofit world and the rule low income side of things. There's a whole support system around that but there's very few supports for this this middle class. The wealthy know how to do it. The low income have a ton of support. And when you're trying to make that transition to from low income or even the lower middle-class into an upper middle class even making that transition if you don't have some the fundamentals You're never gonna make it or it's gonna take forever by the time you retire like oh okay now i get. It would have been great thirty years ago. Sure so that's why i got into. That's what i got into being a coach. Cool man all right. So so the first question i have for you is it. It's a simple one. But i think it's one of those things that needs to be addressed because a lot of us find ourselves in a situation where we think that our finances are kind of like a bygone conclusion. You know i grew up in poverty. You know song going to stay in poverty. And so i don't even think about i. Just go through the motions. I you know. I get the car loan. I get credit cards. I get in debt. You know i do all these sayings in. I'm not really focused on my financial health right so when it comes to finances why should i even care. How big of a deal is it. Well i would have to say just starting out. It's actually perfect timing because this last year taught all of us. I mean how many people lost their jobs or were furloughed or laid off and maybe two never even get them back. It can come at any time. And if you're not prepared for it is what a lot of people don't realize is that when they signed their name for alone they're trading future time for something right now and it takes a special type of person to be an entrepreneur to be to be able to go out and create wealth but the majority of americans work for their money as opposed to creating their money. If that makes sense and there's nothing wrong with that. There's nothing wrong going to work and and working a nine to five job you can be in everyday millionaire working a nine to five job you can. It's entirely possible but it's just. It's really crazy that when when wrenches thrown into it that we lose traction so fast if thing was like bank rate. It's on the ads that you've been running for me so it's six hundred ten. Ten people don't budget seven ten barely budget. An eight out of ten are living paycheck to paycheck. It's it's crazy as stupid number. Eighty percent of the people in the us are living paycheck to paycheck. That's nuts. That really is so eight out of ten people living paycheck to paycheck. Just you know if if you miss a paycheck or like you just mentioned you lose your job because of whatever reason pandemic or anything else. It's a huge impact. Not just. I don't know how i'm gonna pay bills for the next couple of weeks but it can like really really set you back. I think it's a perfect setup to talk about. What you just mentioned budgeting a little bit right. A lot of people don't budget so let's say for example. I know what a budget is. You know i've heard the term of. I've seen it on the news talk about but i've never tried it for me and for my family. Can you give us an insight into that. Like where do you even get started. Well sure an you can do a search on the internet for how i do a budget and almost all of them are going to give you the first piece of bad advice that you will ever hear when it comes to budgeting track your expenses for the next month. No you don't have to track your expenses for the next month. You know why because what you do. This month is the exact same thing he did last month. Just pull your bank statements. Look at your bank statements. That will is a great snapshot of your personal financial behavior and what your lifestyle choices are and when you take a look at that then you've got you've got gotta place all of those into a it or as we'll talk a little bit here a of a wall for foundation. There are four things that you have to take care of everything else is fluff and you can create whatever whatever other buckets you wine or i mean flake from an accounting. Were coming perspective. These are lineups okay. So you've got you've got your income and your expenses and then your expenses or all of your line break it down and then it breaks down even further when you file your taxes so every category that you make is a line item but there's four that are super important. Four and a lot of the times people tried to budget everything and they say okay budget down every last dollar and even the even the dollars that you're gonna put into savings if you don't have a good foundation to take care of the basic things that you need to have. It doesn't matter what you put into savings. It doesn't matter what what you spend on clothes. It doesn't excuse me it doesn't matter what what extra expenses and entertainment things that you wanna do. You've got to have these four things. Take care of i and what's interesting about them. Is it lines up. Perfectly with maslow's hierarchy and i'll leave it at that for further on all right so talk to us a little bit more about the four walls right. You mentioned the four walls and you know unite chatted about these a little bit before we go kind of hit the record button here as we were preparing for the show but that i'd never heard that term before the four walls. Can you explain like what those four walls are shirt. A quick back story on on the four walls. Is that if you do any personal financial searching on the internet. You're probably gonna come across the name. Dave ramsey dave ramsey. Oh yes some guy of phenomenal mindset really. Is there some things. Because i'm a business guy. There's some things that i can't entirely subscribe to because for me personally. There is some good debt. Because i'm a business guy. I used other people's money to make more money for my business. So that i can go ahead and potentially hire somebody in sure. Grow the economy that right right so for me. There is some good data. But from dave ramsey's perspective. There's no debt is good so the four walls are the four basic things that you need to survive. And when i say talking about maslow's hierarchy the bottom two levels of maslow's hierarchy pyramid are psychological and safety and that deals with food shelter and essentially money and i clued transportation in that because you need transportation get to and from work sir so the four walls are actually order. I it's it's your housing your food your transportation and then i. I don't like saying catch off for this last one but medical and other absolute necessities. So if you have prescriptions or you've had doctor's appointments or you absolutely have to have daycare 'cause you don't have family or friends that can watch and you have to pay for daycare. Those are absolute necessities. Everything else is extra fluff lifestyle. Spending this is still considered lifestyle spending as well but this is your baseline lifestyle. So when you're going through and figuring everything out these four things need to be taken care of and as you're going through the math and figure out okay. I'm not bringing in enough to cover the us basic four things. you're living to lavishly. You have played into the game of catching up with the joneses. You're trying to find too many influencers and live like them and showcase to the world. What all the amount of debt that you're bringing on is essentially what you're showcasing. You're not living the good life you're actually living a really crappy life. So that's kind of the premise of the four walls. And it when. I didn't really know that term when i first started doing my own budgeting but i realize kay. I've got regular monthly expenses that i always have to pay out have to pay my mortgage. I always have to pay the insurance. I always have to put gas in my car. Food on the table and a couple of medications and and some clothes. Those are the things that always spend money on every single month. What's fantastic about that is because it is you have the ability to look back over the last twelve months and really identify what your lifestyle is just by those expenses alone. Yeah that's that's interesting and it's it's definitely a a i won't say it's that different but it's definitely different than like you said what a lot of folks are gonna find when they do that. Google search for when they do that duck go search right on the internet of. Hey how do. I do a budget you know. What are the first things. I i should consider and and using hierarchy of needs and for those who are familiar with it. This basically just a pyramid that that stacks from bottom to top the needs. Every person has basic needs like markos already talked about psychological needs and then tops off. Self-fulfilment needs achieving your full potential including creative activities. And things like that. But with the four walls i know. They're all critical right but is one more important than the other. Is that the all really really for lack of a better term foundational for your financial health. They all are foundational. But dave will argue. And i kinda back this little bit. Is that if you have a choice between spending money on your electric bill and spending money on food you buy food and you can work with the company to to keep your electricity on food. Would probably the be the highest priority. Next would be your housing so everything that's involved with your housing your mortgage your mortgage. Iran's your utilities and then transportation would be third because there are things that you can do if you're spending too much on transportation. There's things that you can do to to lower those expenses but we can get into that little bit and then obviously medical. Now it's it'd be a toss up then if you've got to take medications or you need food a well. Okay then yeah but but at the same time. If the majority americans being healthy and not needing a whole lot of medications food would be the top priority so food station and then the other necessities sure sure so that so that kind of helps me prioritize as far as you know if i do find myself in a situation like I don't know what i'm going to you know. I only have so much money this month. And i can't pay whatever this one bill. Is you know kind of helps me. Prioritize food housing transportation medical. You know and then if it's more detailed it's down to the really really fine details of a few dollars here versus a few dollars here then. I think that's something you really just sit down like. If it's if it's you by yourself you just make the best decision right an absolutely. If it's you with your family you know you sit down with your spouse and or with your partner and you you talk about it like what do we want to do this month to make ends meet well and and i would say to that the amount of people who actually don't realize where their money's going is phenomenal so he say eighty percents living paycheck to paycheck. I would say one hundred percent of that. Eighty percent have no idea whether money's going and they don't realize that they probably have enough coming in to cover these four walls and then some that the problem comes is when they make all of the additional lifestyle choices and then they're like oh. I don't have enough money for food while it's because they just bought a thousand dollar iphone. So i mean like i know that's really rudimentary example. Because most people are buying their phones on the month to month plan that they put on that they tacked onto your bill which side note really crazy. I was trying to buy a new phone for my wife. No cellphone store will let me pay full price outright for the phone. They forced me to put it onto a monthly plan. Really i is crazy not i was like. I've got nine hundred dollars. That i'm gonna pay you right now and they don't want it. They want it on the monthly plan. So what's funny is so my family. We are an android family. Okay we've always been. We've never gotten into the iphones. You know my daughter. She's a teenager now. So she's kind of leading me toward the iphone but we've always been an android family and for the past few years. I have bought all of our phones directly from samsung. I don't know if you can do that with apple or not if it has to be carrier specific and you have to do over a month to month plan but if i go to samsung dot com. I can just buy that phone outright. I couldn't yeah. I basically i swipe my card more or less you know and you type in my numbers. He and then a couple of days i get new phone on my on my doorstep and so have to remember that for my wife because she's a samsung guy. I'm an iphone. Yeah for sure and so we when we started doing that. We've been with our with our carrier for. I don't know five six seven years now and so we're not really planning on leaving and going to another carrier. But i do get the unlocked phones just in case i need to right and so and so it is really nice to just be able to swipe their credit card and be like. Hey here you go. Here's all the money up front. I don't have to worry about that That money coming out every month right so off that sidetrack for second sorry about that it was just. It was really crazy when i was trying to do that. I couldn't believe that is crazy for phone. So why things that. When when i sit down with somebody and i'm going through this. Is that a lot of people. Don't realize all of the essentially the line items within each of these categories so under housing. There's a couple of lines you've got your mortgage or your rent which includes particularly if you have a mortgage. It also

Marco Aaron Perkins Dave Ramsey Maslow Afghanistan Florida Us Army Navy Ohio United States Markos KAY
Matt Gaetz Reportedly Sent $900 to an Ally Now Accused of Sex Trafficking

The Daily Show with Trevor Noah: Ears Edition

01:06 min | 3 months ago

Matt Gaetz Reportedly Sent $900 to an Ally Now Accused of Sex Trafficking

"Matt gaetz florida congressman and fraternity brother. Who wants to show you something in his room under fire since news broke of him being under investigation over possible sex trafficking but like a karen in boston bodyworks. He refuses to back down tonight. Florida congressman matt gates defiant. I'm built for the battle. And i'm not going anywhere. The house ethics committee. Launching a new bipartisan investigation into gates examining allegations of sexual misconduct elicit drug. Use and accusations of the congressman may have shared inappropriate and explicit images on the house floor. The justice department investigating whether gates and his associate. Joel greenberg paid women who were allegedly recruited online for sex and travel according to the daily beast gates sent. Joel greenberg nine hundred dollars in too late night then. Mo transactions in two thousand eighteen greenberg use the same app to send three young women including one who had recently turned eighteen varying sums of money that amounted to nine hundred dollars. Greenberg made the payments to the three young women with the descriptions tuition school and school.

Matt Gaetz Matt Gates Joel Greenberg House Ethics Committee Gates Florida Boston Justice Department Greenberg
Matt Gaetz sought blanket pardon from Trump

Real Time with Bill Maher

01:11 min | 3 months ago

Matt Gaetz sought blanket pardon from Trump

"Matt gaetz listen to this. He asked before. Eddie we knew any of this. He asked the trump white house. When i was still office. If you can have a blanket preemptive pardon as as innocent people do for any future. Crimes isn't even festive. I just a blanket. Pardon donald donald trump today spoke out on this. He said that is bullshit. He said it is a total fake news story. Everybody knows that. When i was in the white house all legitimate requests for pardons had to go through the kardashians and today it's in the news with matt gaetz a report. It was reported. I don't know but that his associate in this endeavor with the young woman is pleading not guilty but is going to change it. Guilty and probably testify against matt gaetz and say that matt gaetz. Listen to this us then mom to send nine hundred dollars to this guy who then sent the money to the women which ironically is one of. The only times that trickle down economics has actually worked.

Matt Gaetz Pardon Donald Donald White House Eddie
Verizon Recalls 2.5 Million Hotspot Devices Due to Fire Hazard

Geek News Central

01:08 min | 3 months ago

Verizon Recalls 2.5 Million Hotspot Devices Due to Fire Hazard

"Verizon rises recalling two point five million hotspots it could overheat and cause burn or fire damage the consumer protection safety commission says the devices. Batteries are the source of the overheating. So it's the lipsius jet. Pack model hotspot e. l. i. p. s. i s. jetpack model models m. h. s. nine hundred dollars m h s nine hundred l. s. in the m. s. nine hundred l. p. p. were reported by franklin wireless corpuscle between april two thousand seventeen in march of this year. It's the round one. I don't have the wait a minute. Wait for the screen to catch up here. Come on there. We go It's it's around one. That's what it kind of looks like. It's not a square one. So they're going to recall one point three million of these devices which is Which is pretty crazy so anyway. If you've got one of these horizon hotspots. Please be aware of that recall effort. Get yourself a new one before burns your house down

Consumer Protection Safety Com Franklin Wireless Verizon
Hagop Akiskal And The Bipolar Spectrum

The Carlat Psychiatry Podcast

04:46 min | 4 months ago

Hagop Akiskal And The Bipolar Spectrum

"Rare for a scientific paper to fetch much on the black market. These days but i got the kisco was no ordinary psychiatrist. This is a book that has been made into many editions by cycads clinics. But if you go to latin america mimeograph versions are xerox versions on the market access for three hundred dollars like market for this book brazilians particularly loved so that in defiance of the even the the sim and that monograph he's talking about is currently selling for seven hundred to nine hundred dollars on amazon. It was an issue of the psychiatric clinics of north america. That gop guest edited in nineteen ninety nine and a paper that he wrote in that issue became one of his most influential and controversial in it he laid out a spectrum of bipolar disorders from the most manic psychotic extreme that schizo affective disorder two cases of bipolar that are only unleashed by substance abuse antidepressants or brain atrophy from dementia. Excuse me affective bipolar psychotic less than skis. Affective psychotic bipolar one bipolar to. There's something we call the half because there are psychosomatic less type. Which is medication associated Type for which is hyperthermic with depression. Because they people looking at the press is for the half which is substance used as five. Which is the knicks states. There's a pipe. Six which is in the context of dementia all but two of those categories have actually been absorbed into the dsm which now includes bipolar one disorder bipolar two disorder psychopathic disorder which views as the temperamental underpinning of borderline personality disorder and calls in his list bipolar two and a half when it occurs with the longer depressions of bipolar to then what about his bipolar three well antidepressant. Induced mania is now categorized as bipolar disorder in dsm five largely based on the research of gop and others who showed that over ninety percent of patients with antidepressant induce mania. Go on to develop full bipolar disorder with long term. Follow up a switching on the presence indicate by piloting. Now finally this and five is going to accept that then. He had bipolar four. That's hyperthermic the real charismatic. Hypo manic type temperament with depression. Okay this one didn't make it into the dsm actually and bipolar four and a half substance induced by polar disorder which is now categorized in the bipolar chapter india. Sem bipolar five depression with mixed features which was recognized for the first time in. Dsm five bipolar. Six mania in the context of dementia got believed that the brain atrophy of dementia could unleash a latent bipolar disorder in people with genetic or other risks for bipolar. But this category is not recognized in. Dsm unless you count as bipolar due to a general medical condition and yet you can hear in that court. That hookup is not satisfied. He's looking for a fight. He says his conceptualization was done in defiance of dsm that in defiance of the even the newly sm was a passionate man wore his heart on his sleeve. I am not very much of a political individual. Actually shy individual. Relatively speaking intellectuals tend to be. Yes oh you did do poetry and art. I saw on your cv you you. You were a poet and artist. Right of. I would say a young man. Everybody lies poetry. But some you fall in love with my wife. I always thought that way because When we were college students she said to me you one of those people who can bring science and art together and she said that's the ultimate aim of all our knowledge and i think that She she really saw something in me that time and predicted that my career would rise in methodic way bob Would only seventeen in college.

Bipolar Dementia Affective Psychotic Bipolar Disorder Bipolar Disorder Psychopathic Disorder GOP Depression Xerox Latin America North America Knicks Amazon Latent Bipolar Disorder Mania India Bob Would
S6 E4 - How do I use my Post-9/11 GI Bill? - FULL

Courage to Fight Again

21:30 min | 5 months ago

S6 E4 - How do I use my Post-9/11 GI Bill? - FULL

"Welcome to we served now. What were we seek to answer. The questions. veterans and their families are all ready asking. Don't today show. I want to share three things with you. Just three and here they are. I won't answer the question. Hopefully definitively how do you use post nine eleven. Gi bill number two. I will share with you how to maximize post nine. Eleven bill benefits and finally. I will tell you how you can buy side eleven. Gi bill benefits with another amazing benefits. That you've earned the most notable programs if you're interested in hearing more about that which i have to assume you are stay tuned and you are going to hear every single bit. Stay with us. Who am i. Why am i still here. How can i uncover you. I was meant to be during my own transition from the. Us army the wounds of war especially those not visible continued to play. I walked through the pain of job loss of ptsd diagnosis often crippling anxiety by finally discovered the reason. I'm here to earth. And i knew i couldn't keep it to myself. So i wrote a book simply titled resolve resolve is a book that is apologetically faith-based a step by step guide designed for maximum effectiveness in the context of a small group of other veterans resolve provides veterans everywhere with the tool to help you step into your new life a life full hope purpose and vision for the future to pick up your copy of resolve head over to courage to fight again dot com. That's courage to fight again dot com so today's question surrounds the post nine eleven. Gi bill as no doubt. You've figured out by now and specifically how you use it but the truth is if that was the only question i answered on today's show who would be a very short episode now using the post nine eleven. Gi bill is really really easy now. Of course. I want you to listen to this entire episode and if you do i have a special gift just for you toward the end of the episode. But i'll tell you right upfront. Using the post nine eleven she i bill is probably the easiest thing you will ever do when it comes to taking advantage of the benefits you've earned through your military service now before we dive in. I want to share some of my method with you kind of how we came to put this episode together posted a question on the courage to fight again facebook page. I shared that question on several veteran focused facebook groups and we got more engagement with this single question than with anything we've ever posted and the question was just this is what has been your experience with a post. Nine eleven jabil. We got over eleven hundred comments and i've read almost every single one of them and around ninety nine percent of those responses. Give or take. They were very positive in nature. Talking about how easy it was to us how it was the best benefit you can take advantage of and how to get the most out of the post nine eleven gi bill and not only did those who responded answer that question but they answered so many more as well man here. I am rolling right into the episode. And i haven't even introduced myself yet so if you were here for the first time you may be like. Who is this guy. Talking about. The post nine eleven. Gi bill well. My name is aaron perkins. I'm us army. Combat veteran husband to a beautiful wife. Daddy to amazing kiddos. I'm the author of resolve a step by step guide. That takes you the veteran through the journey of rediscovering purpose. Meaning and passion in your life after you've left the military and as you've probably already guessed on the host of this podcast so let's dive right in at the top of the show. I promise you three things. Let's tackle the first one. How do i use my post nine. Eleven gi bill. Now i'm going to assume you're already eligible for the gi bill. So i'm not going to dive into that part. But i will post a link in the show notes about your eligibility and how you can determine your eligibility in case you need to dig into that a bit more but step one is apply for the benefits on the va website. And guess what. I'll post that link in the show notes as well. You need a few things when you apply. Here's what you need your social security number your military history and that just basic military history. You don't need your full your your details of where you're stationed in when you were stationed there and all of that. He just need basically the years you serve and the date service egypt education history of the schools. You've attended other degrees. You hold things like that and finally basic information about the school or trading facility that you want to attend because you don't have to attend just a traditional community college or university or state scored like that. You can attend a variety of training facilities. Let's say you wanted to become an h vac technician. There are schools or training facilities that you can learn how to do that if you want to become a cybersecurity expert while their schools training facilities we can do that so again just some basic information about the school or the training facility that you want to attend now. You can do this by mail. Apply by mail using the va form or obviously the most preferred way is to apply online. That's going to be the fastest takes about thirty days or so for the va to verify eligibility. And that's it for step one. Step two you're just going to reach out to the school. the understanding. here's that you've already been accepted or you're well on your way to being accepted to the school. So you contact the school and request to speak to the va rep and these are your best friends in the post nine eleven gi bill business. Now i know i've heard some mixed reviews about. Va reps But they do know the school and they know the va. So they're going to be able to share some things with you. Some indepth information that you're not gonna be able to find him the va website. You're not gonna find on the school's website you're going to have to talk to them directly and step three. Follow the directions of your. Va school rep number. Four step four. Get your education. It's really that easy now. Look with nearly all things. Va there are multiple paths to get to the same destination but those steps has share with you apply online. Contact the school link with your. Va rep. That really is the simplest and most direct route to taking. Hold of your post nine eleven. Gi bill benefits. So if i would have had just a single question for this episode. We'd already be done. But i promise you i would share with you and the next is really important and that is how to maximize your post nine eleven. Gi bill benefits now. There are a bunch of ways to do this. And i'll mention those in passing and you can do your own homework and figure out if those are something you want or need to explore. But i want to focus on just two ways to maximize your benefit so your options. As far as maximizing your benefit goes find a yellow ribbon. School is one option tuition assistance. Top up that's another program that the va has. You may be eligible for you may need to look into There's also the option of a stem scholarship science technology engineering or math. If you're majoring in any of those categories you may be eligible for scholarship. Veteran education courses aka vet tech also tutorial assistance if you're struggling with biology or chemistry or calculus or whatever may be and you need a tutor to get tutorial assistance with the. Va actually pay you to go to a tutor. She can pass that course now here the two i want to talk about all the ones i just mentioned are in this section of the website that talks about the posting. I love jabil bill. But all the ones i mentioned in this section are in a section called additional information very simple and one of those is finding yo a yellow ribbon school. Excuse me and the second is not mentioned in that additional information but it is getting that monthly housing allowance and again. I'm going to dive into that but let's talk about the yellow ribbons school here for just a minute. So the yellow ribbon program can help you pay for hire out of state private school or graduate school tuition. That the post nine eleven. Gi bill does not cover so tuition might be higher than what the gi bill will cover or you want to attend a school as a nonresident student. Non resident of that state in other words. Another thing this is more of a side note. Not yellow ribbon schools specific. Your state may also provide additional benefits for you as a veteran. And that is something you should look into with your state. Truth be told your. Va rep at your chosen. School should be able to answer that question for you or at the very least be able to point you in the right direction. All right so that is the yellow ribbon school piece. I wanted to talk about and the other piece. That's not listed in additional information. section is section one. Oh seven sounds very boring but it's very very important. And that is the location based housing allowance the location based housing allowance. Now you will get a housing allowance for using the post nine eleven gi bill and if you attend all online classes this rate that it is set at is half the national average of an e five with dependence for their basic allowance for housing. So that doesn't change unless the national average changes. I know when i was taking a few online courses. It was eight hundred dollars a month. I don't remember the exact number but we're the location based housing allowance. Really comes into play is when you were attending in person classes. Now i want to set the record straight here then. There's this common misconception that your housing allowance rate is based on where you live. This is not the case. Your housing allowance is based on the zip code of where you're attending classes. I'm going to say that again. Your housing allowance is based on the zip code of where you are attending classes. Let me just share a little story from my own experience. I decided to take some undergraduate courses my undergraduate degree before went into the army. But i wanted to just take advantage of the post nine. Eleven she i built a little bit wasn't ready to work on my master's degree or anything so i was like you know what. Maybe i'll just take some courses. I know i have to take at least one of those in person. So i can get that in person Housing allowance right that location based housing loans. Well right up. The road from probably ten minutes or less away was a campus of the school. I was wanting to attend. They had multiple campuses all over the city and the housing allowance. Right there was. I don't know eight nine hundred dollars. Something like that. But if i would drive an extra seven or eight minutes i could get the location. Based housing allowance ended up being like eleven. Eleven sixty seven. Ninety i don't remember now. It's been a few years but i was like. Hey i will totally drive a few extra minutes to get the extra couple hundred dollars or so a month because to three hundred dollars a month because that just makes more sense because i want to get the same education and going to get the same course the same credit for the course. Why not just drive a few extra minutes so again. The housing allowance is based on the zip code of where you were attending classes. And i just mentioned this but keep in mind. You only need to attend a single class in person. that's it you can take the rest of your classes online and still collect the housing allowance based on the zip code of where you attending that one class. Now let's talk about kovic for a minute though we're we're still in the midst of this pandemic. I don't wanna say the middle. Hopefully we're nearing the end of it. But cova has missed a lot of things up our way of life our jobs our relationships a lot of things and it has changed the way a lot of schools do business and that is i'll say inadvertently affecting those of us trying to use the post nine eleven. Gi bill and some schools. They're not even holding in person. Classes yet and and veterans are facing this never before seen challenge and in fact. This was one of the concerns. someone maybe more than one person brought up when i ask about experiences with the post nine eleven. Gi bill. so. I just mentioned that you get paid at half the national average of an e five with dependence if you attend school all align. Let's say that's eight hundred dollars but if you attend at least one class in person you'll receive your housing allowance based on zip code of the school year attending so again when i attended in person. Who's eleven dollars a month so it made sense to at least attend one school. Excuse me or one class in person and this is where co vid really comes into play some schools. Excuse me some schools or universities that were previously holding in person. Classes do not even have the option to register for in person classes. Now which means that. If he veteran was attending in person in receiving that in-person housing allowance rate that housing allowance rate has suddenly changed to the online rate. And i've done a good bit of research into this. I have not found anything in my research for my conversations with veterans or anything social media no way to really get around this so to speak. So if you found a way to continue receiving the in-person housing allowance rate while attending only online due to covid. I would love if you would share that with us by reaching out to me at podcast at courage to fight again dot com. So i can send it out to the rest of our listeners. Finally and i'm really running low on time here but i promise three things at the top of the show how to use your gi bill. We cover that outta to maximize your gi bill. We cover that and now how to combine your gi bill benefits with another benefit. You may or may not have heard of and that benefit is vocational rehabilitation or volk rehab as it's often called now technically its known as veteran readiness and employment or vr and e but no one actually calls it that or at least not yet. It just hasn't a katelyn voc rehab. Though in fact is probably a better benefit than the post nine eleven. Gi bill pays for literally everything. You need special equipment for your degree. Plan pays for that. You have to pay for parking at your school. Pays for that. You'd pay for books pays for that pays for pretty much everything and just about anything you do that has to do with getting your education and i'm saying this because i want to reiterate it vo korea will pay for that and so it does seem at least initially to be a better benefit than the post nine eleven gi bill. But here's where you can. Combine them nate. Because you can't use them both at once you can use either one or the other because if you use vocal rehab or any it will cut into the total time you can use your gi bill. So here's the hack if you will if you use all thirty days of your post nine eleven gi bill and then apply for your vote rehab benefit. Frankly i'd opt for a bit more. Forty five sixty days. Something like that just to be on the safe side. But thirty days minimum is what i found volk rehab or vr knee or whatever. You want to call. It goes through a different process than the post nine eleven. Gi bill but leveraging these two benefits together is really the best of both worlds. And here's why. I say that because let's say you use just about all of your post nine eleven gi bill to get your bachelor's degree in psychology. But you wanna be a licensed professional counselor. Will you need at least a master's degree for that and you've used almost all of your jive. Ill what are you gonna do. Well then you go to your local. Vr knee or volk rehab counselor and say. Hey here's what i need to do. And then you move into the vote rehab program now again. Your mileage may vary. Because i've heard again a lot of mixed stories mixed reviews of working with folk rehab counselor but that is your process and again i will post a link to these processes or actually there's a few links but all these processes and all these resources in the show with that we have reached the end of season six episode. So what are your questions voice memo on your phone and send it to podcast kurds. Fight again dot com. So what's on your mind. What questions are you asking. What are your family members asking or join the post. Nine eleven veterans families facebook group and post your question. There have block of questions but the most important question we can ask ourselves. Is this have. I accept the forgiveness of sins. That only comes through faith in jesus christ well. I'll see you right back here. Two weeks from the day and the next veteran questions we'll be asking is this. How do i increase my va. Disability rating ohio and for the special gift. I promised every thursday evening is hosting a sous vide for justice guys who are veterans. Sorry ladies you're coming soon. The training for that. We will be walking through the resolved journey. Together get your copy of resolve for thirty percent off using the code asked and just head over to courage fight again dot com and click on. Get the book and if you like to join the group on the lincoln the show notes to let me know. And i'll be in touch tone next time. Thanks for We served now. What is a production of courage to fight again.

Today Gi Bill Resolve Jabil VA Aaron Perkins Va School Facebook Us Army Kovic The Post Egypt Cova Army Volk Nate
Here's the new Democratic plan for $1400 stimulus checks

The Economist: The Intelligence

07:11 min | 6 months ago

Here's the new Democratic plan for $1400 stimulus checks

"Over the course of the pandemic america's spent about four trillion dollars supporting its economy. That's pressing nearly twenty percent of gdp before the crisis. Henry curve is our economics editor. The big question is how much adds to that support for the remainder of two hundred twenty one. And so what is in mr biden's plan as it stands now well. The total proposal from the white house is four one point nine trillion dollars of new spending. So almost half as much again is what's been spent already and actually the biggest item in that is for these. Nearly universal checks go to most americans. The biden proposal would send an upper forty nine hundred dollars to most americans and that would top the six hundred dollars they received as a result of the last stimulus bill in december to make a total of two thousand dollars which was a number that was popularized by president trump. Democrats seized on. So that's the biggest item but there's lots of other stuff in there as well as three hundred and fifty billion dollars state and local governments. That has money for vaccines testing. There's somebody to help schools reopened and there's a program in that fight child poverty by increasing america's choice tax credit a near universal hand out for families with children and republicans have have made a counter offer on the order of six hundred billion dollars. What's missing from that while they would tone down the checks as they called universal handouts make them much more means tested. That plan doesn't include any new money for state and local governments. The republicans have always said that democrats just want to use the federal government bailout states who are spending too much so they don't include that money and that's quite a big chunk and they trimmed and some other areas as well they do still have the same amount for vaccines testing and healthcare and all this discussion is going on just a few months after the the most recent round of economic aid i mean. Is it already really necessary. So what i do is i. Divide into two buckets. There's one set of things which is essentially like disaster relief. Spending the unemployment insurance extension for instance is replacing lost incomes of workers who have being turfed out their jobs through no fault of erron and are in need but then sometimes the debate about stimulus is framed as what does the economy need from a top down perspective to sort of get gdp growing again. And that's why. I think the debate is a little bit more confused. Gdp is currently down because the hospitality sector hotels restaurants and entertainment venues and transportation. Just not operating close to capacity because social distancing and it doesn't matter how much you pause that's not going to change immediately so then the question is. How much stimulus does the economy to recover. Once you can reopen and that's quite harder due to because there's a lot of debate about how quickly you're going to see things rebound wants the happens because there's so much stimulus in the economy already. What are the downsides to passing the one point nine trillion dollar bill if that number is as you say too big. So that's the big question of the moment. A lot of people think that the economic era has shifted in a way that makes that freed exploring free interest rates silo and of course to a point that is true. I think the danger is that if you do more and more stimulus that you won't overheat the economy now because so much of a shutdown but when the economy reopens maybe lots of pent-up damore doubt that so the cost is that you might get a burst of inflation later when the stimulus is if you like unleashed fully that said we have undershot our inflation targets for a long time the american economy certainly deal with a one off burst of inflation but perhaps the way to look at. It is the white house. Joe biden. They want to spend on other things as well as this bill. They also want to spend on infrastructure. Which could be bailed running into the trillions of dollars to so you may want to hold some of your firepower back in reserve for infrastructure or other priorities and so if that number is simply too big than than to think of it in that top down way what do you think a good number would be so. I think it's very difficult to come up with a good number from the top down perspective because of the uncertainty so to give you a idea of the scale here the congressional budget office. Which is america's official congressional forecaster just projected that the shortfall in america's gdp from his potential with the end of next year will be about one point three percent. The biden proposal for one point nine trillion is six times that gap. So it's really massively overshooting. So i think the right way determined how much to spend is just to look at it at disaster relief from baltimore perspective. Guard line by line and say what is necessary. I think the unemployment insurance boost is definitely necessary. The vaccine spending was obviously very high return. But when you start getting into the ferry generous checks. I think the case is weak and that also goes for the money for state and local governments at the start of the crisis. There was a lot of concern. The state and local governments in america would lose a lot of tax revenue as a result of the economy shutting down by natural fact. They've done a lot better than expected so their budgets have held up. So i think the right way to look at it would be that you should do is necessary for as long the pandemic assists and you'd probably get some close to a trillion dollars and then later if the economy needs more widespread stimulus because growth is disappointing. Maybe dan that's the time to do more. By the moment. I think is quite difficult to build a case for full nearly two trillion dollars and certainly the democrats are struggling. To make that case. I mean having said what you think woodwork What do you actually think is going to happen. Well that's quite difficult to judge at the moment. So there's this interesting trade off. The democrats will per year more or less. Have the power to override or circumvent the republican filibuster in the senate so they can get through that plans even if there's republican opposition. So they have if you like a free hit and they could use it on getting this one point nine trillion proposal through that said it's not just republicans that the white house got to worry about the moderate democrats in the senate may not support the full bill so it will probably come down a bit anyway. I think one point on trillions quite unlikely. But if they did compromise with the republicans on a small number they could save that free. Hit if you like for some other priority or indeed for passing more stimulus later. Should it prove necessary. So i think it depends on the outcome of that political judgment the white house. I think probably that they are sufficiently far away from the republicans they will use reconciliation. That's the procedure to get around the filibuster. So you will get a large stimulus. But i still think in the end is gonna come down a little bit from the one hundred and

Henry Curve Mr Biden President Trump America Erron White House Biden Damore Federal Government Joe Biden Congressional Budget Office
Mark Gurman Dishes On The Apple VR Headset

Techmeme Ride Home

04:44 min | 6 months ago

Mark Gurman Dishes On The Apple VR Headset

"It's a mark gurman apple scoop thursday this time. Mark has a whole mess of details about the rumored upcoming apple headset. Mark says its planned for a twenty twenty two launch will focus on vr gaming but also video and communications and it will only have at least at this point limited. A are features. Also it's not been easy to make and if you're expecting the low cost surprise of the first ipad. say maybe think again quoting bloomberg. The initial device has confronted several development hurdles. The company has conservative sales expectations illustrating how it will be to bring this nascent. Consumer technology to the masses apples. Typical playbook involves taking emerging consumer technology such as music players smartphones tablets and smart watches and making it reliable and easy to use for everyone. This time though. Apple isn't looking to create an iphone kit for its first headset instead. The company is building a high end niche product that will prepare outside developers and consumers for its eventual more mainstream. A are glasses. The plan suggests that apple's first headset will be far more expensive than those from rivals which cost about three hundred to nine hundred dollars. Some apple insiders believe the company may sell only one headset per day per retail store. Apple has roughly five hundred stores so in that scenario annual sales would be just over one hundred and eighty thousand units excluding other sales channels. That would put it on par with other pricey apple products such as the six thousand dollar mac pro desktop computer and apple spokesman declined to comment. Apple is aiming to include some of. Its most advanced and powerful chips in the headset along with displays that are much higher resolution than those in existing vr products. Some of the chips tested in the device. Beat the performance of apple's emlyn mac processors. The company has also designed the headset with a fan. Something that company usually tries to avoid on mobile products. That people said the headset code-named n three one is in a late prototype. Stage but is not yet finalized so the company's plans could change or be scrapped entirely before launch the aarp glasses code-named and for two one are in an early stage known as architecture meaning apple is still working on underlying technologies. This product is several years away. According to the people though apple has previously targeted as early as two thousand twenty three to unveil it the powerful processors and the inclusion of a fan initially led to a device that was too large and heavy with some concern about neck strain in early. Testing apple removed the space. Vr gadgets usually reserved for users. Who want to wear eyeglasses. Which brought the headset closer. To the face and helped shrink the size and to address consumers with poorer eyesight it developed a system where custom prescription lenses can be inserted into the headset over the vr screens. The people said apple originally planned to include less powerful processors and offload much of the work to a hub in a user's home that would wirelessly beam content to the headset. But that idea was squashed by johnny. Apple's design chief at the time. Bloomberg news reported last year. The headset designed to work as a standalone device. Meaning it can operate on a battery rather than be plugged into a wall or a mac that's similar to facebook's latest vr products while sony's requires a playstation gaming console to further reduce the devices. Wait apple is planning to use a fabric exterior. That's a departure from the metal designs apple uses for most products though it has used plastic for devices like airpods that need to be light and fabrics for the homepod speaker to improve. Acoustics prototypes of the headset. Some of which are about the size of and oculus quest include external cameras to enable some a are features. The company is testing using the cameras for hand tracking and is working on a feature. Where a user can type of virtually in the air to input text. It's unclear if that function will be ready for the first version of the device or if it will ever leave the exploratory stage and quote gherman hence that had covid nineteen not delayed development. We might have seen the headset this year. But he also stresses that the aarp glasses are the ultimate end goal. Here as apple sees that as a more mainstream product something that could sell numbers that could eventually rival the ipad apple watch or even iphone sales in the long run.

Apple Mark Bloomberg MAC Bloomberg News Johnny Sony Gherman Facebook Aarp
Is Student Loan Forgiveness A Good Idea?

Money For the Rest of Us

09:16 min | 6 months ago

Is Student Loan Forgiveness A Good Idea?

"Right now on the. Us government federal balance sheet there's loan receivables over a trillion dollars of student loan debt sitting there as a receivable for the fiscal year ending nineteen total assets of the federal government worth three point nine trillion of which one point one trillion was direct student loans. But here's the thing. Three point nine. Trillion in assets twenty six point nine trillion in liabilities. The difference the deficit is twenty two point nine trillion dollars. The us government is effectively insolvent. It does more than its assets. And if the us government road off four hundred and forty billion dollars of student loans it would just increase the level of insolvency. It would not sink. The government by any means the education department according to some private consulting work that they contract it out understand what the potential losses are on their student loans found. According to a report by the wall street journal that losses on the one point three seven dollars of student loans outstanding at the time this report was compiled would equal four hundred and thirty five billion dollars. Only nine hundred and thirty five billion would be paid back and that didn't include about one hundred fifty tonnes originated by private lenders that are guaranteed by the government each year. The government lends a hundred billion dollars to students to cover tuition to more than six thousand. Colleges and universities doesn't look at credit scores or the field of study or whether students will make enough after graduating to cover the debt. The wall street journal article reported that between two thousand five in two thousand sixteen four intent student loans. Most of them federal went went to borrowers with credit scores below the subprime threshold. That's assuming they actually had a credit score. Which at the time. That i took out my first student loan which i'll talk about a little later in this episode. I didn't have a credit score. Nor frankly i know what i was doing. But here's the thing. The consultants found out that a major driver of those losses were students. Who went on some type of income driven repayment plan. An income share to wear they only had to pay a percentage of their income and ultimately the loan could be forgiven after a number of years. If a loan isn't paid back in full because the payments are based on income in income isn't growing and ultimately the alone is written off after twenty years or so then that will lead to a loss in addition that study found that there are millions of other borrowers that would default on smaller amounts typically less than ten thousand dollars after the drop out of a community college or a for profit college one of the comments in this wall street journal article on the private consultants conclusion regarding the potential losses. For the us government. Student loan program is that taxpayers would be on the hook for this if the government off four hundred and forty billion dollars of student loans. Us government would receive less interest income and principal payments annually interest if we assume a five percent interest rate on one and a half trillion dollars of student. Loans is is only about eighty five billion dollars. now. I say only because total. Us government revenue is three point four trillion dollars. Interest income from student loans is only about two and a half percent expenditures in fiscal year. Twenty twenty six and a half trillion dollars. The deficit was three point. One trillion fourteen point seven percent of economic output or gdp nominal gdp and fiscal year. Two thousand twenty was twenty one point two trillion dollars. This deficit was fourteen point seven percent of that number the highest since the great financial crisis where the deficit was nine point. Eight percent the highest deficit ever was in nineteen forty three at twenty nine point six percent of gdp. The us ran three point. One trillion deficit in twenty twenty and the federal reserve increased the amount of treasuries on their balance sheet essentially funding that deficit. Two point two trillion dollars is the additional treasury bonds that the federal reserve bought so two point two trillion of the three point one trillion dollar deficit. These student loans are tiny percent of what the government is spending much of which the federal reserve financed indirectly. Veterans are didn't just give the money to the treasury. they went through the county mechanism of buying treasury bonds. But that's what happened. The federal reserve created the money out of thin air to purchase treasury bonds to plug the deficit now when i started hearing about forgiving student. Loans cancelling them. My impression was the student loan. Burden is as high as it's ever been. That students are struggling tremendously compared to when i took out student loans in the late eighties and early nineties. What i found was the average student loan and again this is based on data from marc canter wits. This is just the average student loan balance for graduates with bachelor's degree when they leave school in one thousand nine hundred nineteen ninety-three. It was ninety three hundred dollars. Forty six percent of students had student loan debt. That's about how much i had little over ten thousand dollars in student loans. When i left graduate school today. The average student loan balance is twenty nine thousand nine hundred dollars just for students. With bachelor's degrees sixty nine percent of graduating students have student loan balances. That amount going from ninety three hundred to twenty nine thousand. Nine hundred was a four point. Six percent annual increase. Now that's a burden no doubt and if it growing at four point six percent it's growing faster than inflation yet if i look at what students are making when they graduate in nineteen ninety-three or year after they graduated so in nineteen ninety-four an engineer. Starting salary was thirty thousand. Nine hundred dollars. A humanities graduate was making twenty one thousand three hundred dollars so if we compare that salary to the amount of their debt engineer made three point three times. The amount of student loan debt they had and the humanities major may two point three times the amount of student loan debt they have if we look at what engineers typically make coming out of university. Today it's close to seventy thousand dollars or about two point three times the amount of their student debt back in one thousand nine hundred. They made three point three times the amount that they owed now. It's two point three times so they own more relative to their salary but the interest rates are lower now. So they're able to handle that. But it's not this huge change that i had expected for the humanities graduate. They went from earning two point. Three times Student loan balance to one point eight times now. Part of that is pell. Grants which are grants given to low income students to essentially pay for school. I got a lot of pell grants when i went to school. That program has only grown about three point nine percent per year the maximum payout amount per student so it has not grown as fast as student debt levels. Now we can say well may be. College graduates are able to find jobs. The unemployment rate for recent graduates was five point one percent in nineteen ninety-two it was three point. Nine percent before the pandemic hit in february twenty twenty and so a greater percentage of recent graduates had jobs in early. Twenty twenty then back in nineteen ninety-two now. The unemployment rate at least in september was nine point one percent according to some data from the new york fed which suggests that yeah Graduates are struggling to get jobs. It is harder today than it was in nineteen ninety two but not that much difficult. And i don't recall calls to cancel student. Loan debt back in the early to the mid ninety s

Us Government Wall Street Journal Federal Reserve Treasury
Should I Take a Job I'm Not Passionate About?

Ramsey Call of the Day

02:58 min | 7 months ago

Should I Take a Job I'm Not Passionate About?

"Eric is with in tucson arizona. Higher power you dave. Thanks for taking my call. I greatly appreciate it sure. What's up my wife. Rena hey hey here's the scenario. We moved to tucson a year ago. We both left our jobs for me to take a position here in college. Athletics and my wife accepted a position with a nonprofit christian organization as a local ministry missionary with a two year commitment here in tucson And here we are a year. Later position was eliminated dakota and we are left with paying off seventy four thousand nine hundred dollars in student loans. We had a hundred and fifteen thousand a year and a half ago and because of our two year commitment here in tucson. I'm unable to pursue my passion in college athletics of this time so my question is in order to pay off these student loans. Do i risk looking for a job. That i may not be passionate about that as well or do i pursue a job that i'm more passionate about. That may not pay as well. How about how about picking an option. That doesn't suck. Yeah one that pays well that you're passionate about. Why is that off the table. it's not good. Yeah you've got yourself in a corner man. You dreamed all this upper. It's all going bad for you. I don't know why. I think one of the dilemmas here. I've committed two years in tucson and if arab wants to continue working in college athletics. I mean really. That's not an option at the time and so that's the only way. There's not a lot of going on in college athletics. have you noticed. There's nobody in the stands right. All of them's budgets are blown up with an atomic bomb. So i don't know how how you or causing him to not be able to do that. I think the pandemic is causing him to not be able to do that. So you need to figure out what about college athletics that you're passionate about and find different ways to do that until college. Athletics can come back. Oh and by the way during that time two years could run out now. Let's let's play pretend on just one other thing and then i got to get john on this E- eric your your wife's name. What again brianna. Okay brannagh you said you gave a two year commitment as a missionary it so let me just tell ya. As far as i'm concerned as a christian you're released from that commitment if your husband has to move because your family has to eat right you go to those you go to your supervisor and say hey here's not able to fulfill this missionaries voluntary organization. It's a nonprofit situation. And so you know you're making twelve twelve cents a minute or something and he gets a chance to you. Get a chance to make a living in the city. But i don't think that's really an option anyway. I think he's going to be doing something completely different. Don't box yourself up into this binary choice. Don't be choices living. But you don't have enough options that's

Tucson Athletics Rena Eric Arizona Dave Dakota Brianna John
The Bubble is Bursting for One Card

The NBA Show

04:29 min | 8 months ago

The Bubble is Bursting for One Card

"If only i had started in two thousand eighteen. I'd be able to retire. I would have invested so much money into luke. Oh boy what. Four now luca. The silver prism the standard one. Those like those. Want from like two k and like february. Two eight k nine k. Now it's insane. What the hell. Hey how about this. I never knew cards. Went for this much money chris booker. The rookie was nine hundred. That silver prison nine hundred dollars all right. They traded for chris. Paul within two days they were selling for thirteen and fourteen hundred dollars. Wow well. la repeat that. I got to hear that again one more time. They were nine hundred bucks. When i checked nine hundred. No devon booker. Okay sorry okay. I heard desmond being in my brain out devon booker day traded for chris paul and within a couple of days those i saw him for thirteen and fourteen hundred in auctions. I mean that's how fast it really is like stocks. Now it's crazy. Yeah i mean. Stocks stocks are usually that good stocks are good but not that good but you could see people ran out there and it became supply-and-demand people. Were like book rookies. Because these are the next ones that are gonna fly up. I mean that's my understanding. I have somebody of done. Some research and have some had some conversations in recent weeks. My understanding is that if you're in the buying and selling business with cards and is very reactionary when it comes if a guy's name to an all star game or a guy. The team trades for big name player or the team. Their team gets hurt. Or whatever it's very reactionary and it's sort of i mean sometimes it's it's unpredictable from our standpoint. That's why i would say this. If you feel like you really know basketball. This is only tip. Give out daybreak. If you are thinking about getting into this. And i'm i'm not the guy as somebody that really knows about all of this stuff to to give you tips on where to look how to start all this kind of stuff because i'm not that guy Because i do get a lot of questions about that. Because we've mentioned on the show i would say this if you're gonna go into basketball and you're gonna buy basketball and you want to bank on somebody now because you think the cards are gonna go go do it. Now before this damn season start you've got about whatever two weeks because once the season starts it's exactly what you say of the night that guy drops fifty people go on there and try to start by rookie cards. Those jamal murray things went through the frigging roof at one thing. I think it's also important to have a frugal mindset when it comes to your finances earth when it comes to investing when it comes to investing in stocks or bitcoin are or even cards. I think it's important that you have enough of like disposable income like not like not like you don't need a ton necessarily like you do things that you enjoy and things that make you happy maybe start buying video games or whatever else it might be but you know you gotta have a cushion to support you in case things get real like jobs get lost especially right now during a pandemic investing a lot of money into something can be incredibly risky. Especially if it's all and one you know basket all in one player all in one stock or whatever you need to have a cushion to support yourself especially if you're somebody who you know is on the younger side and may not be living with your parents or whatever. I just think that's important to mention and what stocks as well you know sometimes being conservative and having stuff that builds long-term and grow don't for for i'm trust me i am. I am very much in the middle. But i think it's lawrence to offer conservative Advice for a lot of people who may not have A conservative mindset. But i'm by fall. I find myself in the middle. Quite often doesn't mean. I don't take good risks. So do you think it was unwise for me to use my tire children's college fund. The john mara was you find that on. Wise should have put it into luca. There's a lot of when you when you look at. What for josh cheaper when you look at what Steph currys and the lebrons worth now. There's luka doncic have a giraffe named after him chamrann. Jau wrath do

Devon Booker Chris Booker Basketball Luca Chris Paul Jamal Murray Desmond Chris Paul John Mara Lawrence Steph Currys Wise
Google Photos now charges, so what to do?

Talking Tech

03:54 min | 9 months ago

Google Photos now charges, so what to do?

"Dot com slash talking. You may have heard many people ranting this week about google which chains its plans for google photos for five years. Google has told us. Hey upload everything for free and the will not charge you well now that they've got four trillion of our photos. They change their mind on that in june. It's going to start charging a minimum of the dollar ninety nine per month. Probably a lot more for folks to be able to upload and access their photos on google photos. i'm mad. I assume you are too. And i'm not gonna use google photos anymore. I'm done the question for many people is so what now. Well let's run through the options. Amazon photos is probably the next best. Step anybody paying one hundred and nine hundred dollars. Yearly for prime membership to get the faster shipping and entertainment also get free unlimited photo storage now. Amazon photos is not as easy to use as google photos. It's not as easy to use. His icloud for prime is a good place to go. My recommendation though is created albums. So that you'll be able to find the photos. Don't just throw everything up there. Apple icloud over. A billion of us have iphones. And we're taking zillions of pictures and we're getting next from apple all the time saying that we've run out of room They can do something about that but they don't want to because they want to sell you this online storage program which starts at only a dollar fifty gigs. Which is really tiny. Three dollars for two hundred gigs or ten dollars. Monthly for two terabytes. I've got forty terabytes on my desk. So that shows you where i'm at. I don't know about you. But i do not like getting nag messages from apple. So i'm not an icloud. Fan dropbox very simple. They're not they're not trying to sell you advertising. They're not trying to sell you other products very simply ten dollars a month for two terabytes which is great microsoft microsoft. Three sixty five seventy dollars a year for one terabyte which is not enough but you also get access online access to word excel outlook and powerpoint back to google. Here's how much. Google charging ten dollars a month for two terabytes or fifty dollars monthly for ten terabytes. And don't forget that your storage also includes g mail. Google docs google drive all of it. I believe that my g mail is forty gigabytes. And i don't have the years to be able to sit there and start deleting like a madman. So i pay and i'm not happy. The best deal in town. Best deal in. Town is smug and flicker smug mangas aimed at pros and photographers. Who are really into it. And flicker is for the general. Crowd flicker is sixty dollars a year. Unlimited photo storage. Smug mug starts at fifty five dollars yearly unlimited photo storage. So again apple is and twenty dollars. A year for two terabytes smug magas fifty five dollars a year with unlimited photo storage. Does the best deal in town. They need to do a better job of letting people know about this. Now if you don't wanna do online storage there's always hard drives. That's good and bad. You get a lot more room on a on a traditional spinning disc car drive but they will eventually fail. You can pick up an. At drive for about one hundred fifty dollars

Google Apple Amazon Microsoft
T-Mobile CEO on fighting the scourge of robocalls

The 3:59

05:19 min | 1 year ago

T-Mobile CEO on fighting the scourge of robocalls

"Mobile's event was all about fighting scan and robocalls. We've got CEO Mike Seaver to talk about it. Rod Chang, and this is your daily charge. Carrier, events are generally when you attack. The big annoyances are wireless service. So what are you addressing with today's news? We call them pain points and we've done this sixteen times before. Can you believe that and we're taking on today? One of the biggest pain points ever in this industry, which is Robo calls and scams, an unwanted calls and I'll tell you what this this is huge. This is the number one complaint to the FCC Can you believe about eleven? percent of calls on our traffic were blocked by our technology just last week. I mean this massive fifty. Eight Billion Robo calls were placed last year in two thousand nineteen. That's eighteen hundred. A second and people are being robbed. robbed the these are crimes. They're being talked out of their money. Ten billion dollars estimated lost last year from this and it's getting worse. I mean this is just awful, but this is the way criminals are. They're preying on people during this pandemic because we've got fears, people are losing jobs. They're looking for jobs. They're interested in their stimulus checks and other things and criminals are preying on all that, and so it's gone up and up and up through the pandemic, and it just has to stop, so we're launching this major initiative today that we hope like the rest of our own carrier moves in the past, the rest of the industry follow suit, and we can really make progress against. Essentially these criminal elements that want to steal from tens of millions of people, and so let's let's dive into it Scam Shield. What is it? What? What are some of these other programs that you are offering today? Well, it's a comprehensive left to right solution. Because one of the things we've learned is that it's this issue is too big and too complicated to solve with any one thing. At the centerpiece of it is scam, idea and scam block our breakthrough technologies that are network driven. Hey, I driven to identify calls and block them, and we're making them better already just in the last three years. We've blocked. We've blocked or identified a scam, likely twenty five billion calls, and so we've got a head start on this, but the thing about it is. This has gotta be. Be Thrust into the public consciousness and people need to start participating in order for us to take it to the next level. You ever get those calls those scams, and then you go into your phone and you block them on your phone. The truth is that doesn't do much good now with the Scam Shield. You'll be able to go into our APP and with one touch block. Block that call or essentially report it to us, because it's not just the ten digits they called with. Because as you know, they randomized those they call with new numbers every time that tells us to investigate the source of that call, and so with the feedback loop from tens of millions of customers using scam shield, our AI driven network technologies will get better and better and better. Better at identifying and blocking these calls for you and already we're thirty percent better than anybody else in the industry. So this is just taking it all to the next level, so let me let me stop you there just just to get some clarification because I know some of the stuff the other carries off horizon. You know. Todd touted the fact that they've stopped six billion calls. Fundamentally you all use a similar system that's one that's mandated by the FCC to be rolled out by the end of next year or sometime next year. So what is different about this? In what what? What is new exactly in terms of some of these I know some of these services like the caller ID feature had been offered in the past. So what is new? What is different from the rest of the industry? Well, let's first talk about scam. ID and scan block. What's different is that ours is network based, and it's for everyone on the network literally. Literally speaking, and so it doesn't rely on a certain rate plan or or APP or having something installed or paying for a feature, which is exactly what verizon offers which is seven dollars and ninety nine cents. A month seven nine hundred dollars a year just about in order on their most popular plans in order to get the best levels of protection. Protection which aren't as as much as we're offering today for free, and and honestly as an industry. We need to do better than that. We you know this is. This is an issue that the carriers are helping to bring to customers. I mean their own networks are bringing you these scams and yet they're profiting from technology. That might be proposed to stop their. Their own technology for bringing you these scams that's crazy and so part of what we do with on carrier moves as we call out industry practices, sometimes practices that we've participated in the past and said look, this is a pain point, and it's gotTa Stop So these technologies at T. mobile or not just better because they're network based and don't rely on Hap. But they're free, and we're not going to charge them. Including as you mentioned caller ID, which is now free, t mobile. And as you mentioned being made better, that industry standard technology talked about stir shaken is basically a pool database of being able to see not only the name of a caller which is important if you have caller ID, which is free now, but that it's a verified mobile user and not a call center, or a robot calling you, and that's really important information for you in order to know, you can safely answer the phone. It

FCC Rod Chang CEO Mike Seaver T. Mobile Verizon Todd
Podcast listeners 39% more likely to drive a hybrid

podnews

02:20 min | 1 year ago

Podcast listeners 39% more likely to drive a hybrid

"Co Friendly podcast listeners thirteen nine percent, more likely to be hybrid tribe, US kind where three hundred two billion dollar opportunity for the US auto market, says Nielsen highlighting that ten and a half million podcast listeners was shopping for a new car at the height of the pandemic restrictions in the US. And exclusive APP. Company Maple Media. Which purchased PODCAST APP PLAYER FM on April the thirtieth has bought another android podcast APP podcast. PODCAST has had more than half a million downloads player fan more than five million. We're told a formal announcement is to be made in the coming weeks. Megaphone will now offer attribution standard for ads books through the megaphone targeted marketplace, following an agreement with Hod sites. taught joined a media analyst for Bernstein has decided. It's unlikely spotify will generate much earnings from podcasts and has downgraded his rating on the stock. It's not the first time. He's taught spotify down this year and he's been wrong in the past. Has Launched the third edition the Audience Awards which is open to Spanish speaking podcasts we to the rules, and if you are eligible podcast, Buf- until July twenty six to enter your show. At world says it's the world's largest online advertising advantage scheduled for November the second to the fourth with over fifteen tracks including one on podcasting this year you can get an early bird pass now for just thirty nine dollars, apparently, the final price, two, hundred, nine, thousand nine hundred dollars. Nominations are open for the podcast awards. You can vote for anyone you like. Though you know. This podcast is in the politics and news category. Just saying you've got until July, thirty first to vote dressed to to vote to vote. ANDROID, user someone I've read Hacker News is building an open source android podcast, APP, and they right I was wondering if I can add any specific features to make it more interesting for frequent podcast business. You want to tell them we give you link in our show notes and our newsletter today and Ramsey solutions are looking to grow their team of speakers, writers and broadcasters I'm in the legacy. Stage of my career has Dave Ramsey where I now get to share my success and platform with this next generation of speakers, authors, some thought leaders and helped them be successful.

United States Bernstein Spotify Megaphone Dave Ramsey Ramsey Solutions Nielsen Maple Media Media Analyst
With Moratorium Lifted, Houston Becomes Largest U.S. City Where Evictions Can Resume

Weekend Edition Saturday

03:41 min | 1 year ago

With Moratorium Lifted, Houston Becomes Largest U.S. City Where Evictions Can Resume

"Tenants behind on their ranch can be kicked out of their homes in Texas the state has lifted its moratorium on evictions some Texas cities are taking additional steps to protect renters many of whom of lost jobs because of the pandemic Houston is not one of them it's now the largest city in the United States were evictions can resume Elizabeth drove all of Houston public media reports before cove in nineteen life was good for Houston resident ridiculous all of the heck grandma taking care of her great job just going about my everyday living doing what I do wake up in the morning and say my prayers for my coffee then coronavirus hit everything out wow yeah it is like my life do you know that he would talk to me over the phone from her apartment where she lives alone she used to make money babysitting her granddaughter and niece that ended with covert nineteen and her eight hundred dollar disability check doesn't cover her monthly rent of nine hundred dollars she said her apartment manager warned her eviction notices are on their way nobody needs to be stressed out whether they're going to have a place to live today in the homeless to March I can't think like that right now you know I can't I can't think like that I'm not only I don't want to think like that people like you it are vulnerable now that the Texas Supreme Court lifted a ban on objections this week attorneys who work with low income clients are preparing for the worst Donna Carney works for Lone Star legal aid which provides free legal representation to low income Texans Carney expects more families on the streets in the months ahead and we anticipate that there will be a tsunami of affections files I have no doubt about it we are going to see homelessness nationally there's been a patchwork of protections in place for renters other statewide moratorium's are expected to expire in the coming weeks and unemployment is through the roof James roller is with the national housing law project forty percent of households under forty thousand dollars your income loss of job in March and since it's staggering to sort of like to try to get your head around what that means in practice ruler says there's still a federal moratorium on evictions through late July but that only applies to rental properties with federally backed mortgages and that that's only a third of all properties for now moratoriums and government assistance like expanded unemployment benefits have kept invitations at bay in cities like Houston but as these protections expire experts say a wave of evictions is on its way and with corona virus spreading roller says these evictions create a public health risk displacing people from their housing and sending them out looking for additional housing or sending them into homelessness a danger for all of us in Houston so many people applied online for the city's rental assistance program that it ran out of funding in just ninety minutes rejects you it was one of the lucky few who were able to submit an application but she's still waiting for final approval if the rent money doesn't come through she expects to be forced out of her home waiting in hope that if I do that I'll be able to get into a shelter among doctors who opened the door to the thing will open to the mall she would like many Americans will be at the mercy of friends and family when looking for a place to live for NPR news I'm Elizabeth Troy fall in

Texas
Texas Lifts Moratorium On Evictions, Leaving Renters Vulnerable

Weekend Edition Saturday

03:36 min | 1 year ago

Texas Lifts Moratorium On Evictions, Leaving Renters Vulnerable

"Tenants behind on their ranch can be kicked out of their homes in Texas the state has lifted its moratorium on evictions some Texas cities are taking additional steps to protect renters many of whom have lost jobs because of the pandemic Houston is not one of them it's now the largest city in the United States were evictions can resume Elizabeth drove all of Houston public media reports before cove in nineteen life was good for Houston resident ridiculous all of the hefty grandma taking care of her great job just gone about my everyday living doing what I do wake up in the morning and say my prayers for my coffee then coronavirus hit everything got why yet it's like my life do you know that he would talk to me over the phone from her apartment where she lives alone she used to make money babysitting her granddaughter and niece that ended with covered nineteen and her eight hundred dollar disability check doesn't cover her monthly rent of nine hundred dollars she says her apartment manager warned her eviction notices are on their way nobody needs to be stressed out whether they're going to have a place to live today in the homeless tomorrow I can't think like that right now you know I can't I can't think like that I'm not only I don't want to think like that people like you it are vulnerable now that the Texas Supreme Court lifted a ban on objections this week attorneys who work with low income clients are preparing for the worst Donna Carney works for Lone Star legal aid which provides free legal representation to low income Texans Carney expects more families on the streets in the months ahead and we anticipate that there will be a tsunami of affections files I have no doubt about it we are going to see homelessness nationally there's been a patchwork of protections in place for renters other statewide moratorium's are expected to expire in the coming weeks and unemployment is through the roof Janus roller is with the national housing law project forty percent of households under forty thousand dollars your income loss of job in March and since it's staggering to sort of like to try to get your head around what that means in practice ruler says there's still a federal moratorium on evictions through late July but that only applies to rental properties with federally backed mortgages and that that's only a third of all properties for now moratoriums and government assistance like expanded unemployment benefits have kept evictions at bay in cities like Houston but as these protections expire experts say a wave of evictions is on its way and with corona virus spreading roller says these evictions create a public health risk displacing people from their housing and sending them out looking for additional housing or sending them into homelessness is a danger for all of us in Houston so many people applied online for the city's rental assistance program that it ran out of funding in just ninety minutes rejects you it was one of the lucky few who were able to submit an application but she's still waiting for final approval if the rent money doesn't come through she expects to be forced out of her home I hope that if I do that I'll be able to get into a shelter among dogs who opened the door to the thing will open to the mall she would like many Americans will be at the mercy of friends and family when looking for a place to

Texas
"nine  hundred dollars" Discussed on 3D Printing Today

3D Printing Today

04:04 min | 2 years ago

"nine hundred dollars" Discussed on 3D Printing Today

"Hundred nine hundred dollars with shipping was about twelve. Yeah. Retail was about twelve or thirteen which was like half of what it originally replicator one was selling. But I remember about the cater one was something like twenty seven hundred hundred I came out. Remember it wasn't a kit. It was a fully assembled. She was not sold as a kit. I'm so I ordered what from what I could. Tell was one of the earliest flash forge creators in the United States. None of the other people on at least within the world of cyberspace that I was living in had one yet. I received it. And I was telling everybody about it. And I remember when I got it printed ABS, very very well did great. And I printed it with ABS came with the spool baby. As soon as that spill was gone. I thought oh, let's grab some of the P L. I have for my rep to not it could not print LA Pele was a relatively new thing back, then there was a lot of variation in and the quality of the Piel was being produced and a lot of extremes couldn't handle year. But the the the extruder that was in the flash forge which was not the Mark seven. The Mark seven is a very explicit design with threaded a threaded tube that threads into the aluminum, coal, cold block or cool block and threads down into the hot blocks. And then meets the threaded nozzle in the threaded nozzle and the threat of tube mate with pressure. And that locks the hot block. That's the way the Mark seven is they decided flash forage in China that the threaded the threaded tube. Hebrew could. Well, is that what you call heap break? And in case that threat a tube to get them aligned in the dual situation was so tricky to do that they said well are people that's going to take too much time. Let's just remove the threads on the upper part between the coal block and the tube. And lock it with a set. Screw will. They didn't understand how it worked. So the heat from the tube that came from the hot block did not dissipate into the cold block those fans that are in the front did virtually nothing. There was no heat dissipation at all. So the PL ages melted and turned liquid and clogged up the extruder. Well, I wrote them about this guy's you've kind of blew. It is stupid. I can't. Well, this this is not going to work. And so they're like they they kind of panicked and within a week. I got a whole new set of extruders in the mail package. Basically, it was the coal block with the to extruders attached to it with the coiled wires for the heaters in the thin. The Thermo the thermal couples, and I removed the old cold block. But this went in pop in and didn't take it apart because of frayed take it apart in what was in there. I figure the alignment of the two hot ends is right. They want to mess with and back. Then I wasn't as experienced with relief with desktop three d printing as I am today today. I'd be like, hey before I put that in my machine, I'm ripping it apart. I want it's easy to take it apart before you put plastic it. Yeah. Exactly. But plastic had already been in. Oh, yeah test. So I saw that. So you gotta heat it up. No matter what. So I figured what they did was they made some change in how they machine the tubes. I didn't know what they did. And they wouldn't tell me, but it worked at printed PLA, just fine. And I ordered five of them for the initial sale of machine months later, it stopped working, maybe six months. It was after I met you. And you bought yours. You bought a later version opened up the nozzle the tried to clear it, and there's this plastic tube. That comes out of it was the definite Teflon liners up. They jammed in there to overcome their inability to cool the. Peel day. Okay..

LA Pele United States Piel China Hundred nine hundred dollars six months
"nine  hundred dollars" Discussed on Pet Life Radio

Pet Life Radio

02:04 min | 2 years ago

"nine hundred dollars" Discussed on Pet Life Radio

"Got this nine hundred dollar course, they're going to be like, no way. No, thanks. No how. But if you send it to. A warm traffic, your conversion rates would likely go up so warm traffic would be hey, maybe somebody that came to your site and surfed around a little bit. And they know a little bit about you. Now, you can put a pixel on your site Facebook pixel and that person you can go back and send them an ad. That says, hey, you know, maybe you're insen dog training. Check out this group course, obviously do better copywriting than that. You could also do something like you could look, and maybe you put a video on your Facebook page that was popular you can go and see everyone will you would be able to see it. But you could make a group of people who watched that video and send them an ad through Facebook and said, you know, because you know, that there's somewhat interested in what you're doing or or dog training or whatever. And so that's another sales channel that you can use those are typically the channels that we use. We don't put it on the website. We want this to be something. That captures people who didn't take the big big ticket and sell them a lower big ticket. And so use our Email list that's been segmented. We use ringlets voice or we don't like used ringlets voicemail for others. But you could use ringlets voicemail. You could use retargeting people that came to your site things like that. I would not do a whole lot of cold traffic when you're selling a big ticket item coal traffic is not the way to go cold traffic is the way to go. If you've got a free seminar coming up or twenty dollars attrition seminar or something like that that's better for cold traffic, but for big ticket item. You want people that they're in your universe? You know, they've come in contact with you. They've been to your website. They know who you are. Maybe even like, you maybe even considered you but didn't pull the trigger because he was too expensive or whatever the case might be. So anyways quick recap before I finish. If you were going to sell big ticket. There's five things that I believe you need. Maybe there's more. But there's five that I believe you need number one a signature program. Number two a way to create added value number three exclusivity number four positioning and number five sales channels that you control if you can do those things you can have big ticket. Hopefully that helps hope that makes sense please, go listen to the rest of my episodes. Because like, I.

Facebook nine hundred dollar twenty dollars
"nine  hundred dollars" Discussed on Pet Life Radio

Pet Life Radio

02:03 min | 2 years ago

"nine hundred dollars" Discussed on Pet Life Radio

"Got this nine hundred dollar course, they're going to be like, no way. No, thanks. No how. But if you send it to. A warm traffic, your conversion rates would likely go up so warm traffic would be hey, maybe somebody that came to your site and surfed around a little bit. And they know a little bit about you. Now, you can put a pixel on your site a Facebook pixel and that person you can go back and send them an ad. That says, hey, you know, maybe your dog training. Check out this group course, obviously do better copywriting than that. You also do something like you could look, and maybe you put a video on your Facebook page that was popular you can go and see everyone will you would be able to see it. But you could make a group of people who watch that video and send them in ads through Facebook and said, you know, because you know, that there's somewhat interested in what you're doing or or dog training or whatever. And so that's another sales channel that you can use those are typically the channels that we use. We don't put it on the website. We want this to be something that captures people who didn't take the big big ticket and sell them a lower big ticket. And so we use our Email lists. That's been segmented. We use ringlets voice or we don't like I said use ringlets voicemail for others. Stuff, but you could use ringlets voicemail. You could use re targeting people that came to your site things like that. I would not do a whole lot of cold traffic when you're selling a big ticket item coal traffic is not the way to go cold traffic is the way to go. If you've got a free seminar coming up or a twenty dollar nutrition seminar or something like that that's better for cold traffic, but for big ticket item you want people that they're in your universe. You know, they've come in contact with you. They've been to your website. They know who you are. Maybe even like, you maybe even considered you but didn't pull the trigger because it was too expensive or whatever the case might be. So anyways quick recap before I finish. If you were going to sell big ticket. There's five things that I believe you need. Maybe there's more. But there's five that I believe you need number one a signature program. Number two a way to create added value number three exclusivity number four positioning and number five sales channels that you control if you can do those things you can have big ticket. Hopefully that helps hope that makes sense please, go listen to the rest of my episodes. Because.

Facebook nine hundred dollar twenty dollar
"nine  hundred dollars" Discussed on Bloomberg Radio New York

Bloomberg Radio New York

01:55 min | 3 years ago

"nine hundred dollars" Discussed on Bloomberg Radio New York

"About you know what's the typical loan amount and who's your typical customer who's asking for money and i'm also curious about default rates do most people end up paying it back i mean the average loan is about nine hundred dollars i mean you usually have in the in the lenin circle about nine to ten people and the actual loan amount is really determined by the people in that group itself you know so some groups may decide to do five hundred other groups may do seven hundred others may do like you know twelve hundred dollars or so so they're the ones that started decide that and they also decide who goes first who gets alone i try second try and so forth and so well we all we do is sort of a former allies and ensure that particular loan i mean we do this at a zero interest zero fee basis because ultimately what they're the ones that are capitalizing the loan for them for themselves and we'll just sort of the loan servicer in that regard you know and and and because we do that you know our default rate is their point seven percent which in our industry is extremely low in the microfinance world you know that without the typical default is fourteen to fifteen percent and so to get to the point seven percent is i something significant is happening in social one of the thing that's happening is that you know we're basically acknowledging the social trust i know that that comes win this communities and they're really trusting us as a nonprofit to actually services loan and so and so because of all of that you know everybody's sort of follows through with a commitment to paying dina japan that velos forward and how much scepticism if any did you encounter jose when you went to the credit bureaus and said we've got a little bit of a different take here did they immediately embrace it or did you have to sell them on it one of the things is that this activity there's a lot of people that benefit from it you know one banks and financial institutions benefit from this because we're expanding the pool of eligible bars for them and.

jose seven percent twelve hundred dollars nine hundred dollars fifteen percent
"nine  hundred dollars" Discussed on WBSM 1420

WBSM 1420

01:57 min | 3 years ago

"nine hundred dollars" Discussed on WBSM 1420

"And almost nine hundred dollars in cash a loaded nine millimeter handgun was also found an arrest warrant was issued for hinson charging him with multiple gun and drug charges anyone with information on his whereabouts is asked to contact fall river police police are charging in new bedford man after reported disturbance in the city's north end last night at bedford police responding to a fight between two men at the central plaza car wash on nas at st behind save a lot after seven pm yesterday police say one of the men thirty nine year old robert jones a third of new bedford was making threats and refuse to cooperate with police police arrested jones and found he was in possession of a knife larger than is allowed by city ordinance jones's charged for threatening to commit a crime disorderly conduct and carrying a weapon new bedford police chief joseph cordeiro bestowed certificates of commendation on two civilians and one of his officers yesterday at a ceremony at police headquarters honoring them for their heroics in saving the life of a suicidal woman the incident took place in the parking lot of the cvs on ashley boulevard on february twenty fourth antonio lima found the woman lying unresponsive in the parking lot and while he called nine one one alan belong came over and tried to attend to the woman with an awoke pulled out a knife and began cutting herself officer james marinelli's and arrived on scene and wrestle the knife from the woman and restrained her although he ended the situation marinelli tells wbz news the two civilians deserve all the credits nothing that i didn't look at it as anything that i did the spectacular i just look at those two guys you know they the first ones that decided to interact and luckily their training was able to kick in and do the right thing to get her she needed marinelli along with lima senior probation officer in new bedford district court and belong a retired corrections officer will call true heroes by chief cordeiro during the ceremony news time five oh five in wbz sports it's a battle of division leaders tonight as the red sox opened a four game series against the astros at minute maid park i picture that eight ten with game on wbz beginning at seven twenty five now your local forecast from abc six were cast for tonight cloudy with a few isolated.

fall river police wbz lima james marinelli alan robert jones new bedford hinson astros sox officer antonio lima joseph cordeiro bedford nine hundred dollars thirty nine year
"nine  hundred dollars" Discussed on Liberty Talk FM

Liberty Talk FM

02:06 min | 3 years ago

"nine hundred dollars" Discussed on Liberty Talk FM

"To nine hundred dollars in donations yes i'm currently at one thousand one hundred sixty dollars that's not including the matching funds that have been matched but not received right loading out there right it's you know there that's been batch just needs to wind up coming in so basically about nine hundred dollars away from the goal okay and that's doable because you have to do it by this fall based i've got to do it by november i would like to have it done by midsummer so the end up yeah okay no later than the end of the summertime hopefully wanna just briefly tell them what the innocence project is sure yet so the project is an organization that was founded in one thousand nine hundred ninety two and since then they've helped over two hundred people get exonerated for crimes they did not commit the vast majority of those people have been exonerated because of dna evidence that means that there was evidence that and a lot of cases the prosecutors knew about but failed to inform the defendant about that is hiding exculpatory evidence and that is should be a crime should be but they very rarely you'll never see any way to go to jail i believe there has been one prosecutor that has ever gone to jail in the history of the united states for such the innocence project helps these wrongfully convicted men and possibly women yes get resolved fair number of women how many total number so far that you know of at least i've helped i know they recently celebrated their two hundred there two hundred exoneration shabby right and that's in the last twenty five years and then there are a bunch of others that have been exonerated that the project was not either not able to work on or just did not for some reason and i know that there are more innocent people sitting in jail right now for crimes they never going to be able to handle them all but the more money they have the more attorneys they can hire system is so lopsided l it's a message this is why this is such a great project so if you want run dot freetalklive dot com let's continue here with we're discussing.

prosecutor united states nine hundred dollars one thousand one hundred sixty twenty five years
"nine  hundred dollars" Discussed on WMAL 630AM

WMAL 630AM

02:02 min | 3 years ago

"nine hundred dollars" Discussed on WMAL 630AM

"The company that third as og your epi pen meets there now but carshield over nine hundred dollars yeah i remember that scandal that was about two years ago wasn't it oh yeah yeah yeah you know he he he tells us one thing he goes to washington and does something out yeah well you see now pam i hear you and you're a citizen of west virginia you're allowed to say that but you know if your uh ted cruz or if you're mike lee or if you're mitch mcconnell he doesn't want that being raised by those people they shouldn't be able to come to west virginia or by the way a mike pence a vice president mike pence who earlier this week tweeted out to remind the people of west virginia the joe manchin was on chuck schumer side on the tax bill here's what mike pence or any of his other colleagues in the senate guess mike pence is technically a member of the senate to what swing out over there and come to west virginia and remind y'all about who joe manchin is daniel in west virginia you her on wtma all too thanks larry appreciate it joe joe appointed himself senator so he never had the really run a race and i think he's paying themselves on the corner because he's been on every side of every issue the only thing he has left this task is democrat colleagues to support him and his republican colleagues to play nice and the uh a lot of us in the state uh recognize them for the mental mitch just that he is rex me daniel when he last ran didn't he promised to repeal obama it could have sworn he did that but when he had the chance to vote for it he didn't well he's been on both sides of every issue everything from abortion so appealing robot bomb of care do the second amendment issues to pack station the he he really is one of those politicians that says something uh different when he's in charleston west virginia then he then when he's in washington dc and you know frankly if if he has had to run for his first term.

obama joe joe larry daniel chuck schumer mitch mcconnell washington charleston west virginia west virginia senator senate joe manchin vice president mike pence mike lee ted cruz nine hundred dollars two years
"nine  hundred dollars" Discussed on WFAN Sports Radio_FM

WFAN Sports Radio_FM

02:05 min | 3 years ago

"nine hundred dollars" Discussed on WFAN Sports Radio_FM

"The morning schumer would bridge the boring to yo i've got an alternative headline or one of the headlines on our sheets here says gambler could win ninety nine thousand dollars if jagr's win the super bowl by alternative headline that kill up alternative headline is the gambler almost certain to lose nine hundred dollars on stupid beth i think cub odd this guy you've you've where we reported the fact that he could almost ninety nine thousand dollars where they have to beat the patriots and then go win the super bowl already who pets nine hundred dollars on the jaguars the win the super bowl i got a long way to go either they got a bigger problem if if vegas will a bigger problem if the vegas nights win the stanley cup and they're one of the best teams in the league right now well why would that be a problem because all these people bad on the just novelty bet let me just bet on the first year team that on the first year team nobody there in a expansion team is going to make getting all this other stuff and they are right dare dude yeah could you imagine if the vegas goldeneye said the jacksonville jaguars or your two champions in the nhl in the nfl you imagine that no we i i guess you could could yeah i guess i could i mean one people would talk about the other not so much thanks so nine optics now let's go to kyrenia new jersey new jersey mary what's happening harried mobil all right i got a quick question for you what's up me are you a bike is fan right well i umbro yes yeah um i'm gonna give you a list the coach youths and i would like you to please some or all lanes before you even going to your whole spiel here then i know you prepare your on hold if you think that i don't like mike tomlin you're totally wrong i am than follows i'm in full support of mike tomlin they guy was out there for five years watched him anybody who thinks he should be fired he's crazy i think he's the second best coach in the nfl his record as a hundred and sixteen in sixty and he shouldn't be fired is that what you think you're going with this whole no quick quite without are you a.

schumer jagr super bowl patriots jaguars stanley cup nhl nfl mike tomlin super bowl i vegas ninety nine thousand dollars nine hundred dollars five years
"nine  hundred dollars" Discussed on I Don't Get It

I Don't Get It

01:50 min | 3 years ago

"nine hundred dollars" Discussed on I Don't Get It

"You know i i have artists for parents so mom like things with the greatest thing ever and iraq about how she same so much money i'm petals nine hundred dollars in free cuddled that is so you might not be like lauren something's wrong with you santa fe hers in you charge me for a hug yes both of my industry that's hilarious omega weight so tell us more about the poses there's more or the biggest ones yeah that there's 43 there's 75 currently uh the newest one is the mummy's which is you know and invented around halloween and uh and basically one person well like candid dumped their head and to be like arm of the other person you know nose up so it's not in their actual armpit um and then you'll rest your shins along their size so you're kinda bald up and they put their arm over you and you feel like you're all wrapped up got as well what is like one of the most advanced ones are one that like may make someone the most uncomfortable out of all of them uh the tarantino is usually the go to answer for that like klein guaranteed out yeah to see people feel uncomfortable in their movies i loved shared with because he's an introvert with a foot fetish wait stocks and really quentin tarantino i didn't know a foot fetish so where who now diagnosed with you on this movie and you'll start to watch for it and you think he'd lawyer being yeah you've grapeseed you get seats down you know let me see now imagine if you'd better if he'd been ashley guests that is for sure way of what's the tarantino then.

halloween tarantino klein iraq lauren quentin tarantino nine hundred dollars
"nine  hundred dollars" Discussed on KFI AM 640

KFI AM 640

02:20 min | 3 years ago

"nine hundred dollars" Discussed on KFI AM 640

"Dollars a month from company he in nine hundred dollars a month from company b o k and so i like rix idea of reaching out within your company because i'm sure other people have asked this question they should have answers you can also go to that website i told you about and it will show you if your plan is ensured they have a nice search box you can type in your company and you will hopefully see a pop up in know that as of right now that it's insured by the pdg see if it is ensured how does the pbc determine what my payments will be after they have uh acquired this uh this plan so it's going to be based on a percentage of what you were receiving from company in this case i companies as c and d as well as your age and probably a highly hood that it's going to be less than what you were receiving now so there is a formula and you can look at it on the website there is also a maximum annual allowed i think you're under the maximum with the amounts that you've described here but it is probably likely to be some percentage of what you are receiving not the full amount all right well thank your euro you're very welcome we hope it'll works out for you very misleading and it's just another example why we tell folks that if you are working for an employer that offers a pension you must not assume that your retirement planning needs are solved because you're not in control of the pension you don't know what the fortunes of war are going to be sometimes literally there you don't know what's going to happen in the future you don't know of that employer is going to honor the promise to give you the money that they tell you you're going to receive so you need to save for your retirement as though the pension doesn't exist whether that pension is being promised by the employer or by your union or by a government agency you need to act as though the pension does not exist otherwise you could be finding yourself in retirement with empty promises hope that's helpful if you need assistance with this calculating okay i didn't know i was going to have this pension issue now i do what do i.

pbc nine hundred dollars
"nine  hundred dollars" Discussed on WTMA

WTMA

02:02 min | 4 years ago

"nine hundred dollars" Discussed on WTMA

"The real action now till christmas is going to be trying to war you from who your wit in using the bait of a better deal on a phone is a way to do it now one other thing you should know is there is a phone out there now than is winning absolute rave reviews from techies and consumers that is a very affordably priced bone four one it's very featured in it's the motorola motoji five s i've been reading the reviews and they are both from consumers and the techies off the charts for a phone that retails it to seventy nine so i know a lot of people or salivating overpaying apple twelve hundred dollars for an x paying samsung a thousand dollars per the top end of the note eight and paying goal for the pixel to excell was at about eight or nine hundred dollars there are people that wanted to do that and then there are people that are cheap like i am in one of phone that's just a good phone networks and the modo g5 s plus is the one that seems to be the real sweet spot in the market one other thing if you're really cheap like joe who makes me seem like the biggest spender of all time joe gets his phones hand me down and used i did actually out chris does old phone and how much did she charge you for it i got her some something to hurt one of our favorite places which is what can you guess starbucks yes larry rice you got her old phone for a measly starbucks.

christmas motorola joe chris starbucks samsung larry rice twelve hundred dollars nine hundred dollars thousand dollars
"nine  hundred dollars" Discussed on Bloomberg Radio New York

Bloomberg Radio New York

02:13 min | 4 years ago

"nine hundred dollars" Discussed on Bloomberg Radio New York

"To nearly fifty nine hundred dollars bitcoin's meteoric rises sparked a wall y debate over the future of digital currency here to discuss bitcoin are three experts catherine what is the founder and ceo of arc investment management paul vinya is a reporter at the wall street journal and the co author of the age of cryptocurrency how bitcoin and block chain are challenging the global economic order and lilley cats is a reporter at bloomberg news i am pleased to have all of them i at this table so welcome and pull them we start with you for a lot of bitcoin talk recently as we mentioned where where where is it out right now we're right now exceeds probably in a gun covering for no to the front of the fourth or fifth wave of interest to this thing throughout its history it's kind of into its waxed and waned in terms of speculative fervor and the attention in the mainstream this is i mean certainly in terms of just price in dollars this is the biggest move it's ever had in terms of interest part of blinkist to me i don't know that you could say it's totally in the mainstream but it's much further into the mainstream than than it has catherine's is still at hype phase well right now the and the market capri network value of bitcoin when you include birth bitcoin into cash lesson attack that is a little over a hundred billion dollars and so it's come up scott come very fast but it's at a fraction of apples valuation of amazon's valuation and we think it's a much bigger idea the neither one of those as early as small small fraction of the overall economy yes very small faction i think i think the mark cat's like one hundred eighty billion last tennis i now maybe there are like a thousand different digital coins and that's it was twelve billion a year ago so it's been hunting wild alas here the global the global economy is is tens of trains of doll delaware valley log silver's clint foreign where the most popular that he has more more than half of the total ecosystem that one hundred billion okay so poltically a little bit.

bitcoin founder and ceo paul vinya reporter wall street journal catherine scott amazon tennis global economy lilley bloomberg fifty nine hundred dollars hundred billion dollars
"nine  hundred dollars" Discussed on BBC - Tech Tent

BBC - Tech Tent

01:37 min | 4 years ago

"nine hundred dollars" Discussed on BBC - Tech Tent

"When it said customer seemed less inclined to renew their phones as often they said perhaps is going to be every two and a half years instead of two and that leaves the big hole in the market that's pretty a wider concern across the industry isn't it absolutely especially in the high end where fans are more and more expensive with samsung your close to nine hundred dollars in a rumors added that did the new iphone toppled the line model is a pass mathausen dollars in a few making that kind of investment in a world that is less and less about subsidy in become in a just basically in these stolen payments for your phone you are going to hang onto it for longer and from the hardware perspective dean ovation is not as obvious there's a lot of innovation that comes from software which is no as a parent to consumers any takes longer from a sales cycle to actually as splaying to consumer what's different in a phone and some of the trends that you have like a i n a are in vr that will really impact the market are taking longer is nelsonian is going to take six months to get to the market caroline a miller nysa isabella kaminski our special guest do you get excited with each new phone launch or you can hear it blase i'm afraid i'm getting a bit blase adam and my consumer decisions now of very much motivated by a desire but by my desire to not be captured by one particular brand so i did defect to blackberry early this year in ah in the hope of breaking free of the apple monopoly per.

iphone adam samsung blackberry nine hundred dollars six months
"nine  hundred dollars" Discussed on BizTalk Radio

BizTalk Radio

02:20 min | 4 years ago

"nine hundred dollars" Discussed on BizTalk Radio

"A charge nine hundred dollars and deliver it in a day and a half well that other competitor loses the business in says we gotta do better so we'll get a charge nine hundred dollars and delivered in a day my goodness that's how competition occurs government in government there is no competitive forces there are no profit motives and that's why all government programs are massive failures propped up by tax payers propped up by printing of money propped up by deficit spending propped up by things that should not have to prop up social security i want you to think this what you're seventy years old right now you're listening to the show you smart person you and you're getting your social security checks cynthia right do you think you're getting your money that you put it the security years ago no it's gone you're getting money from workers today that's the only way you can get paid workers today ponzi scheme government bowl all the money and spent did on other stuff they tell you they have the money but it's all in i owe you there's no lock box this no a compound that has all the social security money in its you're getting paid by may medicaid started out as the program for the indigent it's now what the seventy million people and under obamacare goes to one hundred ten million people i got news via ain't gonna happen camp happen money's not there that's why socialism never works always fails.

social security ponzi scheme nine hundred dollars seventy years
"nine  hundred dollars" Discussed on The Personal Computer Radio Show

The Personal Computer Radio Show

01:43 min | 4 years ago

"nine hundred dollars" Discussed on The Personal Computer Radio Show

"All the way up to a against the most expense while most expensive general market where the outside of the the the the luxury market which i guess we can talk about later but the the the the most expensive general purpose smart watch i've seen is sitting nine hundred dollars i think from garmin um but the but but smart watches in her really segmented themselves really very well well okay so let's talk about some of the the applications that where where do you see them fitting in i mean apple apple watch has you know it's it's everything from an extension of your smartphone sort of a remote interface for your smartphone to a health sensor platform but at where do you see the sweet spot lamont theories that people aren't buying the apple launched because it's a great health device would because it's it's it's a great fitness tracker anything like that i think the binding apple watch because is a isn't attractive piece of technology jewelry in any does everything okay but but more than that it it looks nice that's why with the apple should the it it it looks nice it actually the second screen to my to my of smartphone and the old by the way attract steps in in activity and all that and and that's that's okay at the low into the market uh they're the people who are extremely pricesensitive a or can't afford anything else who don't want to afford anything else uh you can get a.

apple garmin lamont nine hundred dollars
"nine  hundred dollars" Discussed on The Personal Computer Radio Show

The Personal Computer Radio Show

01:43 min | 4 years ago

"nine hundred dollars" Discussed on The Personal Computer Radio Show

"All the way up to a against the most expense while most expensive general market where the outside of the the the the luxury market which i guess we can talk about later but the the the the most expensive general purpose smart watch i've seen is sitting nine hundred dollars i think from garmin um but the but but smart watches in her really segmented themselves really very well well okay so let's talk about some of the the applications that where where do you see them fitting in i mean apple apple watch has you know it's everything from an extension of your smartphone sort of a remote interface for your smartphone to a health sensor platform but at where do you see the sweet spot lamont theories that people aren't buying the apple launched because it's a great health device would because it's it's it's a great fitness tracker anything like that i think the binding apple watch because is a isn't attractive piece of technology jewelry in any does everything okay but but more than that it it looks nice that's why with the apple should the it it it looks nice it actually the second screen to my to my of smartphone and the old by the way attract steps in in activity and all that and that's that's okay at the low into the market uh they're the people who are extremely pricesensitive a or can't afford anything else who don't want to afford anything else uh you can get a.

apple garmin lamont nine hundred dollars
"nine  hundred dollars" Discussed on WIBC 93.1FM

WIBC 93.1FM

02:07 min | 4 years ago

"nine hundred dollars" Discussed on WIBC 93.1FM

"Nine hundred dollars and this is this is some pollen cut out there was like sure out in the nine thousand nine hundred dollars florida xito yeah what's it into that well bennett what he's going to play in the last play yes it will be and load cabal and look added xito fondly three solid for more monday all right hartley now even around may and amanda knew what he did that i thought he had leagues it and films it i do you guys i wait for he managed let us thriller nine thousand dollars for additional so i know i know i saw the story and i just not miss cannot we is in fact it appears to be real it's real and and this makes the question everything i'm never going to he again have are like i want to study everything before but i'm i'm them a starting job is that looks like something i i can say how line started todd amounted what about the good implies we can sell any of our good and plays because they're just shape like a little pills seattle sell them because they're not shaped it i don't i was like i know what about that you know sometimes from doesn't now because it's just like ground it's like a round of sometimes there's little designed to waivers in his maybe plus and to face him jesen now jesus and none of them on your stretching i mean you can probably stretch yourself into the varies and jesus best something now i feel like ten grand for them nope nope i mean it has to be jesus you can't make it ended jesus that's the thing now but i mean and this is how he was ninety nine hundred dollars shy i mean that dollars i now i now and this is an pass hundred and thirty two bids i mean a hundred thirty and thirty two people hope our clamoring this man wanted to her rob h e down the same didn't ty law like rely i'm not gonna say that it doesn't mean or let all heads it's like andrew miller on its side and it really would take i had when you notice that like if you pull that out and happened.

hartley todd florida amanda seattle andrew miller nine thousand nine hundred dol ninety nine hundred dollars nine thousand dollars Nine hundred dollars