35 Burst results for "Ninety Eight Percent"
College Basketball: Schedule, Latest COVID-19 News for the 2020-21 Season
"The NC Double A. has voted to keep recruiting visits dead in bands until January first. So you cannot visit players till basically next year. No scrimmages or expeditions at all this season so you know how? Basically. You have those I guess scrimmage Games whether teams or those tournaments exposition expedition tournament basically. They won't be a part of the season. Regular season capacity has been reduced by four games so Now season will not be as long as the season was already like thirty two games. I believe it depends on the conference in the team, but it wasn't as long. And teams can start practicing as much as twelve hours per week starting September twenty first? So those are the things that come along with this restart. Obviously, the season was initially scheduled to begin November tenth, but obviously, it was pushed back and said, they wanted to make share. where it was where we were. Overall. So obviously you can tell the instability is definitely trying to. Get sports rebounded backup and going, and you know obviously. That's really been big that they're able to get the basketball season on a certain due date. Obviously. Now, the big question would be scheduling which I feel like some coaches and some schools are trying to do right now trying to figure out how we WANNA prayer schedule how do we want to make our schedule? If the season does move forward as scheduled. Now, there's on November twenty fifth. There are eight early season tournaments scheduled to take place in Orlando Florida and it will provide teams like with a bubble like atmosphere like the NBA Wmba Nhl has successful used to play. Amid pandemic. Around thirty games per year. Is What they're GONNA pay for regular season but obviously depends on each state, each college guidelines everything like that. So I think that's that's big. Obviously? You know if you remember Mike conceptually said as he stressed the importance of the big dance on appearance of ESPN NYQUIL when he said. We we're the thing that the incident blaze much concerned about because men's college basketball. In the term, it pays for for something like it produces ninety eight percent or more of the money for the NC Double A.. We need to have the tournament. We can't have it where it's two years in a row and you don't have the NCW. Obviously sketchy can chefs he and his fellow AC coaches proposed an exclusive edition of March madness allowing all eligible one programs to participate in the event. But obviously, the NCAA senior vice president of basketball said that idea was not under consideration. But basically, as you know now we now have. A. Start Date. You know when the scenes coming back. And it's very excited for people who Miss College basketball. Because Obviously College basketball I'm sure we'll be loved this year. Just as much just because we're having games. I'm assuming with the arenas they might not have fans I'm assuming. So I'll know if we're going to have any fans this year those games but briefly, but I'm but I think they were GonNa try to have fans at March madness because of just again how much. Money That it brings in. So. Obviously, that's going to be the big deal they're.
National Polls (MM #3467)
"The Maisonette with Kevin Nation the presidential election is about forty-five days away. And of course if you turn on TV right now, especially on the news channel, you're not only seeing the candidates but you're seeing more and more of the national polling data. The national polls are somewhat important but the kind of a misnomer because as we know it's not really a national election but a state-by-state election and what's more interesting to me right now is when you look at the national numbers, it looks like ninety-eight percent of America has already decided whether they're voting for either Joe Biden or Donald Trump by this time normal life still got ten to fifteen percent of the people either voting for an alternate candidate or undecided and right now from darn near every poll. I'm seeing ninety-five to ninety-eight percent of Americans have decided between two people the question wage actually going to go out and vote. It's one thing to give your opinions on the phone or in an email. We'll see what happens. But right now it looks like everybody's decided on who they're voting for. So can we do away with all the rhetoric? Yeah, you know we can
Tanya Rad Breaks Down Why Chris Evans Is Trending and That NSFW Photo
"I. The question was raised moments ago from Tanya. Rod. Do you have nudes on your camera roll nudes of ourselves? Or other acts ourselves yourself tubs, you got a naked photos of yourself on your phone. I store all those in heart. hard-drive dry that's appropriate. Put them in hard drive. Yeah. Exactly WanNA put your nudes in hard drive. Howdy any on your phone? No no no no. No. No No Oh yeah tons member. I. Got Mine in Dropbox in our company dropbox. Yeah I remember that yeah. Yeah. The company's never been the same actually. Transporter Yeah John IV I I mean his his beard grew in just that dropbox he didn't eat. Only our engineer. Only, our engineer Andy. You'd think alien shown to everybody. Left. So He left you send nudes that he quit. He said send them. I accidentally uploaded them because I was charged changing phones, and so all of my photos downloaded onto my work computer as their reason, we're having this conversation. First of all, do you have any news on your phone I? Do not take pictures of myself like that Let. Me Tell you why. That's a smart idea. Why? I can't. Connect, dot. Thank you don't don't need you to tell me because Chris Evans over the weekend he was. He had he shared a screen recording of his family playing the game heads up the game where you kind of the clue on your phone and it's on your head and so it's on your phone. Obviously. So when the video ended a camera roll displayed on the screen, it showed a photo of his manhood. And he quickly quickly took it down but obviously, people got screen shots and stuff like that. So this story went everywhere. It's not one hundred percent sure that that photo wasn't necessarily his phone or that it was his manhood in the photo. But I mean, the reactions were seriously like the tweets everything that happening over the weekend or so funny girl said I did not have Chris Evans accidentally sharing his. Manhood picks on instagram stories as one of my co Bingo. But Twenty twenty roles on I'm going to need a minute. Captain America. Let me shield down Do we have the photo, you put the photo on the report. No. Everywhere for this. Some described it in positive light. I guess I could just say and some deny another. Other person a tweet that said. It looked like a picture of a manhood and like a giant sidewalk Filled the entire sidewalk and I said, oops Chris Evans fell. Confused I don't. Go. When you go to the restaurant and they and you get a delicious salad and Go from yes. Would you like some pepper with that? Yes. Pepper back. To the camera I, can't even understand what that is sending texts. I can't tell what that is. Senate in the text, it's currently at ninety eight percent on rotten tomatoes apparently. Bigger. Ken. Why would you? Not Put that picture in the report I. Mean That's all I. WanNa see. I KINDA WANNA. See to now. Yeah compare and contrast. It's like. I can't I already got in trouble for having minute in dropbox I can't have this report. We're not going to this. This is you're doing a report. It in the con- put in the subject for my report and then send it. For work. Purposes. For for this is content. Tania's techs clean look at it. I've just seen it I've just seen. It I WANNA see it now here I'll put it in the group chat no, no thanks. No. Thanks not after. I can just send it to me directly. Okay, yeah don't don't include me on this one that's saying it's inappropriate. It's totally inappropriate. How disgusted am I even listening to? Wish. Because you put in the report normally she puts a photo evidence of things in my report page, she skipped it. I'm GonNa from Eastern and Tanya right now walking around with that thing. Y- walking around with that. Where's eastern. Let me hear the sound Mois. Engineer Eastern isn't a vendors fan. So He may have this on his phone you may be right. Marveling at it right now.
What Patients Are Saying About Antipsychotic
"In the early nineteen nineties about half of US patients with bipolar disorder took lithium now, it's closer to fifteen percent and the use of antipsychotic says more than doubled to fill that gap. A new survey reveals what patients think about these newcomers. This was an online survey of two hundred US adults who by their own report were diagnosed with bipolar one disorder and had taken an antipsychotic within the past year. Era Paul was the most common followed by Qu- Pina Spirit Own Olympian and Larizza on there are others that fell off after that. Overall people were satisfied with the efficacy but dissatisfied with the tolerability ninety, eight percent had at least one side effect on the NS psychotic and most of the side effects were not trivial. Ninety two percent felt the side effects had a negative effect on their relationships. Patients were embarrassed by the side effects. Particularly, anxiety weight gain followed by involuntary spasms or movements and trouble concentrating. I'm reminded here of Dr Magas Warning in June twenty nineteen issue on side effects that patients are not likely to put up with a side effect that they find socially embarrassing. The side effects that bothered people the most worrying Zaidi with gain and feeling like a Zombie or having no emotions And the rates of these three burdensome effects were large in the seventy percent range. ANTIPSYCHOTIC side effects carried over into all areas of life family, romance friendships, and work. Thirty to fifty percent felt that the anti psychotics impact their job sixty to seventy percent felt that the bipolar symptoms impacted their job. So from the patient's point of view, the side effects are a little better, but almost as bad as the disorder itself in the workplace. The bottom line while the PDR can tell us what side effects to expect surveys like this. Tell us just how damaging those side effects are. And the numbers here are much higher than what we see in the PDR. What's unclear is whether lithium or the Anti convulsants would raise the same level of complaint in
Healing Properties of Shungite: A Crystal for Healing & Purification
"And, now it's time for us to dive into our main topic for today the Healing Properties of shown guides with as I mentioned is crystal for healing and purification. Now, you know that I usually like to start these healing properties episodes off with a little affirmation that has come through from the crystal. But today we're going to approach this episode just a little bit different than usual. So Sean Guy is an amazing stone for healing and of course, for purification, but it is a little bit controversial due to some of the claims being made about its use and I was actually recently interviewed for an article at mind body green about the properties and benefits. Of. Shown guy for this reason, it has really become super mainstream but there are important things to keep in mind when it comes to shun guy and I received so many requests for information about this particular stone, and after this with mind body green, I was feeling really inspired to share a little bit more with you about Sheung Guy, which is not technically a crystal is a non crystalline mineral Lloyd. So it doesn't actually have an internal crystal structure. So you might be wondering, why would we use it in crystal healing? If it's technically a crystal and we often do turn to other mineral Lloyd Type Substances that we incorporate into healing work as well. So. Before we really dive into the healing properties of this stone in some ways to work with it. It's important to note that not all Shung guy is created equally. So the name shown guy was first used to describe this mineralized way back in eighteen, seventy nine, and this name was use to describe a really high carbon mineral Loyd found in Russia near the area of Suga and the lake on Negga area of career Leah. So this high carbon variety of Shangai and when I say high carbon I mean ninety eight per cent of the mineral Loyd was composed of carbon. And so think about how carbon comes from organic material. Carbon is what makes up all life on earth we all have carbon. So over ninety eight percent of this. Mineralized, found in Cornelia in Russia was carpet and this high carbon variety of shown guide is the stone that's linked to the claims of water purification and antibacterial properties. However, there are many other Sean, Guyq containing minerals, which are often just called guy by name that have much lower proportions of carbon, and sometimes these are distinguished as Shangai variety one, which would be the high carbon variety, Shangai variety two, three, four, five, and these vary really greatly with their carbon content ranging from less than ten percent all the way up to about eighty percent. But think about this that's a big difference from the really high carbon variety that comes from Korea and Russia over ninety eight percent carbon. All the way dropping down to eighty percent at the next highest concentration of carbon going sometimes down to less than ten percent carbon.
Dont Mess Up Your Recovery
"Hello Mike Brands Welcome to episode Number One, Hundred Twenty six of the addiction unlimited podcast. I'm your coach, Angela Pugh. Thank you for hanging out with me today listening to the pod today. We're GONNA talk about some of the most common ways I see people when they are trying to stop drinking and just can't get it to stick right. Some of the most common ways we screw up or sobriety, and one thing I want to be clear on with this many of these are not struggles specific to addiction, right? These are struggles specific to being human. But we focus on recovery. So I'm going to make it fit with that but this is not a thing that we have and nobody else has it right? These are all things that everybody struggles with in every area of life. Some of our greatest obstacles in this journey are just human nature. We're all super committed to the big change we want to make in the beginning it's easy to be committed in the beginning you feel good your motivation is high on top of your game. The hard part is staying committed for the long game. In this is something that ninety eight percent of the population struggles with. I. Just made up that number by the way I don't know. I would say might be more than that. But so does it yourself up about it like there's something wrong with you there's nothing wrong with you. It takes practice to learn how to do things differently than you've done them for your whole life or for many years. These habits and mistakes will also pop up in different parts of Your Life at different times for me. I've made huge strides in being committed when I want to achieve something and that doesn't mean that I'm easily committed in every area of my life. Okay. I'm fantastic with commitment and dedication to my sobriety, and I'm pretty good at it with entrepreneurship because I'm a workaholic and my work is so much fun. So that's kind of easy for me. But I really struggle when it comes to other things. Time management isolation food sugar. I still fall into the trap of binge-watching, a new TV show when I should be recording a podcast or creating social media graphics or returning phone calls, and then I get way behind on things and I don't feel good about it and start beating myself up about it and Yada Yada Yada. We're not perfect creatures that will do things perfectly and make the right decision one hundred percent of the time and never make mistakes and never hurt each other's feelings and always do the right thing. Forget that thought. It's not about trying to do everything right all the time. It's about consistently learning from the decisions and actions that don't work and consistently making an effort to do the things that are good for you and make you a happier person. And you have to do it like a million times to get good at it. I get the feeling sometimes that we have this misconception that if we do things a few times, we should be finished like I went to a five or six times so I should be cured. or I worked out for two weeks. So I should totally be in shape. I ate healthy four meals. So I should have lost that ten pounds. I put in five job application so I should have a job by now. We are hard wired for instant gratification in that definitely makes things a bit more challenging, but it won't you to start thinking about it as a long game instead of a short game think about it like the actions you take today may not give you instant results. But you know by doing the right things over and over again, you're building your future in creating long-term relief in results. So, let's dig in to this list I. Put together. Number One. You've heard me say two million times. Being noncommittal meaning, you are not making an actual commitment to stop drinking. Many of us want to stop drinking for a little while. We make deals with ourselves that will stop for thirty days or sixty days or ninety days, and then you're shocked when you start drinking again and it goes terribly The truth is you wouldn't be stopping drinking if you were able to drink in moderation, right? None of us would do that if we could control it, we would. and. The unfortunate part of this lack of commitment is that it puts you in a position of having to constantly. All Day long every single day of your life you're having to decide over and over again whether or not you're going to drink. and honestly it's exhausting. Nothing will wear you down faster than being in a nonstop argument with the committee about drinking or not drinking.
Why The San Diego Padres Are The Big Winners Of The Trade Deadline
"Normally we go through a list of winners and losers. But by acclamation, we'll say the San Diego Padres, where the winner Sarah, what did you think about what the padres did? Oh my gosh. So I have been embedded in spreadsheet since like eleven thirty this morning trying to really quantify exactly what they did and I think I have the stat here. So they've acquired eight players who will go through the mall you know, but they've acquired eight players who played in the majors at some point this year. So that's everybody you've heard about except for Austin Adams who's hurt came from the Mariners I am ninety, eight percent shore. That's the most. League talent acquired in the month of the deadline because some of these trade were a couple of days ago by any team in that just tell you exactly what you need to know it is just there are so many players Clovinger we have Mitch Moreland Alison Nola Jayson Castro. Dan altuva. Trevor Rosenthal, Greg Allen until it will so lot lot mainly tolerate there What do you think it does for the padres. I would say this, the dodgers are still the team to be, but I think four days ago the dodgers were so far ahead of every other team in the National League they were the overwhelming favorite to win the NFL caveat anything can happen to the playoffs but now to me, padres are a very strong number two team in the national they gave up a lot. They gave up a lot of future depth, but they're better in two thousand twenty Mike is going to be around presumably for a couple more years. So they're going to be better in twenty, twenty one they were already the most exciting team. I think baseball this year, and now they ratcheted up another notch.
The Meal Prep
"Hey everyone. It's me Lisa. Lillian also known as hungry girl I am here for another episode of Chew. The right thing with my good pals and Co workers and BFF's Mikey and Jamie Hey guys. Hello Lisa, how are you? Good. We missed you last week and we missed you last week. I mean. By we I mean me. Yeah, we were podcast last week. We had a busy crazy week. And we took a little time off I. Hope People Forgave US was anybody said Did, they even notice Regina Regina might have been sad. All Sir number. One. Fan Regina's GonNa love that shout but I'm really happy to be back. I have to say like this week's episode is so good. It's one of those episodes that we have been toying around with for a while and the requests for have just been pouring pouring pouring pouring in. So this is I like to call it the meal prep assode get it. Because it's a meal prep episode so it's the meal prep assode. And meal prepping is so hot right now and we are going to dive into. So much of what people can do to make their lives easier were answering fan questions. Is it weird to call them fans? No. It's all right. We're friends and FRENEMIES. From our hungry girl peeps and I am super excited. Are you like I know you're a big meal pepper? Yeah, I'm excited Oh good Mike you. I'm the meal prep or the family for the most part but what do you do like just like lineup jars of peanut butter is that how you meal prep much that's about. Ninety eight percent of the work is July up the jars. And the rest is knives. You have the smaller I the bigger nine for the chunky peanut butter I know. Exactly All Right Mike. I'm sorry I'm sorry for giving you a hard time time giving you a hard time and now you're going to give us. Who does sit like were there's right. Everybody Likes Workers Right Yeah Oh yeah. Okay. So they have new flavors coming out this fall. Are you ready to hear what they are share? Okay. So we got pumpkin spice, Caramel, apple and cinnamon cream, and this makes me extremely happy because I don't have the patience for hard candy. So they're going to be available in the soft choose which means. Less, work for me. Less work no, it's more work you have to get that. Out of your teeth. Yeah. That's true. Good Point. Good point I didn't do. They have soft candy now I think. So I think the don't you. I only know like workers, my grandmother who was like the cutest human being alive was obsessed with warriors and when I was young living in New York, I would drive to us every Sunday and I bring her a bag of workers and we would enjoy them. I love them and I was like looking forward to these I will try them but I didn't realize they were. Chewy. Bet really good though. Maybe, put him on top of like ice cream or something I don't know what? The not be really hard to eat. They'll be in Mike have you met us? Does that really sound like something we would do probably not something I would. Maybe. A. Well I have your weekend plans already for you. Are you ready? You know what you're going to be doing this weekend Lisa. Tell me tie dye with wine. Okay. This is the newest craze I guess in with people who are still in quarantine. So basically, what you do is you use wine as the is the die and you make tidy shirts with wine. I can link to a website on our food cast page. They'll show you how to do it. The only thing I would suggest is use a cheap bottle. You don't WanNA use like a forty dollar bottle of wine to make touch short. So get like two buck chuck at Traderjoes what about if you only use like? The white wine what if I only like Chardonnay and the House without worrying. Pattern. Do Tie I. Don't know I've been tie-dying Teen I. Think I've. I've dyed like six or. Items Minimum I made my sister birthday tie-dye pants. I've made I've taken a lot of my vintage t shirts I'm GonNa, try this I. think it sounds it sounds really fun and the best part is like if I do open a bottle of wine a very rarely finish it. So it's something to do with the wine the extra red wine that's just been sitting in your fridge. If you get thirsty, you can like ring out the extra into your mouth. As long as it's clean shirt. That's all I got. Okay. Well so let's get into the subject of the day. Subject of the day is meal prep and you know I personally like I always say I'm kind of uncoordinated in the kitchen I don't think of myself. I was like I'm a meal prep or do I have the patience to sit and prepare things and put them in cute little containers and I was thinking no, that's not very me. But when I thought about it further I was. Like that is not really what the definition of meal prepping is to me and to US Jamie and we've had this conversation philosophically. It's really anything that you can do to make your life easier when it comes to thinking about what foods you're going to be eating for the week, right? Yes. It is preparing for your meals, not necessarily just preparing meals exactly, and especially you know during this time when we are home a lot more we may or may not be. Getting takeout or bringing in food a lot of our food is being made by us like it's now is the best time ever to start thinking about what you can do to make your life easier. So you don't fall back and make that phone, call an order that pizza in or just grab something that you might not be happy that you ate afterwards. So the best thing you can do is really thinking advance about what you can keep on hand how you can. Either prepare it or how you will prepare it, and so you're ready for anything. It's
Caregiving & Employment Make It All Work
"Welcome to fading memories a supportive podcast for those caring for a loved one with memory loss. Me Day is Larry Nice Nsen actually got that right for a JJ me. and. He is with Care Jen we're GonNa talk about caregiving and employment, and some of the things we need to do. So that, we can care for our loved ones and still work and earn a living and keep our economy goings. Thanks for joining me Larry. You gotTA. Jennifer. It's my pleasure. So tell me a little bit about yourself I within we've been chatting for half an hour and I don't think I know how you got into the care end of things. Absolutely and Like like you I am a caregiver I was thrust into it. With the the typical call right? We all get the call that says. I know your life was on a path. But it's now going to go in a completely different direction and you may or may not recover on that path but here's what's happening the way it happened for me. I'm actually has a good ending to it. So I'll I'll give you the the end of the book as I give you the beginning of the book and my father I was driving down the road with my mother he was in his mid seventies and. Started to drive radically in his turned out my mother who is much smarter than medically anyway than she should be said, doesn't look right and drove my father to the hospital where they found out he had an advanced brain tumor. and. Everything was fine until it wasn't right and so he had a brain surgery. And a hundred percent recovery from the brain surgery except for one little problem. Is paralyzed from the neck down. And Yeah didn't expect that to happen either they stocked her said there's no reason it should happen but here we were planning. Just, a normal Tuesday afternoon we were planning on a normal Tuesday we're going to do whatever. We really do the rest of the week and working and see each other and that will get time and now. Instead my mother and my brother and I were trying to figure out. What do you do with somebody who is paralyzed from the neck down who can't speak WHO's basically in a coma and they don't know what the prognosis is. Now fortunately for us I told you the story ends well. My father. After about nine months of having to learn how to speak again and walk again and all that stuff. About Ninety eight percent. None of the only thing that he had as a residual was he had what they call it drop foot right? His his right foot doesn't pick up all the way and so he ends up wearing a brace on to help him keep his foot up because otherwise he'd have the second biggest problem, which is what most older folks have, which they trip and fall and hurt themselves right But. He was really fortunate because he had a long term care insurance policy. So. When I talk about caregiving. One of the first things I say to people is we were incredibly fortunate were incredibly fortunate that the outcome was positive as I said, he's now my father turned eighty five in May and he is. As cantankerous Z. was. For my whole life, and so he's everything he should be and we didn't have to worry at no point. Did we have to worry like most caregivers do on how to pay for things? He had a long term care insurance policy. So money wasn't the issue it was just a matter of emergency care and what to do and so. I broke into this industry twenty five years ago in the insurance business. And came to genuine. To. Help them build out a portfolio of products and services around caregiving and the financing of aging in so. It's something that's near and dear to my heart is near and dear to most of the folks including our CEO. And all of our senior leaders were all caregivers in one way or another, and so we bring to the idea in the solution, not just the technical or academic end. But we're all We bring the empathy of people who provide care on an ongoing basis to, and so we think we we kinda understand what the average caregiver GOSTA.
July Mailbag with Jason Moser
"The. Multiple answers I'm out Southwick and I'm joined, is always by broke camp. Personal Finance expert here at the Motley Fool. Hey, BRO, well! Hello Alison. It's the July mailbag where we answer your questions and this month it's with the help of multiple analyst Jason Moser. Should you buy a house now? What is modern portfolio theory and also here Jason's thoughts on a lot of stocks all that and more on this week's episode of Molly fully answers. Jason thanks coming back. you know I mean i. told you you invite me. I'M GONNA. Be here every single time. Thanks for having me back. I mean we appreciate it because we know you're a busy man, and so we do appreciate that you carve out time for us in our little show, don't. Always always make time for those important people in my life rule number one make time for allison and Bro I love. It sounds like a good one to me. Everybody wins. All right well, I guess we should just get into it, so the first question comes from Darren I've subscribed to the full for over a year and I'm really pleased with the service. I would like to know your thoughts about my holdings in Shop Affi- I've bought several times over the last three years, and it's now over thirty five percent of my portfolio and I. Don't know if I should continue holding or trimmed down. What would you advise a good problem to have I was gonna say that exact same thing? That's a good problem have? In a very glad, you have subscribed to our services in your really pleased. That's that's what we aim to to do. We aim to please help you make money and so yeah. This is one of those situations that we will find ourselves in from time to time as investors. A nice problem to have but something you do need to address at some point because it is going to be a little bit different for everybody. In so coming from the perspective of I, also own shop, a Fi stock in it's it's a wonderful investment. It certainly is taking up a bigger. Part of my portfolio a not at thirty five percent where you are. I think for me. It really does boil down to. That sleeping at night test in other words, you need to be able to go to sleep at night without worrying about this kind of stuff, and if you feel like shop, a Fi represents too much. Of your portfolio if you feel like you're overly allocated their, then, you may need to consider pulling it back a little, but now I mean it's. It's I think it's always important. Note you know. It's a big difference between building up a position buying a position to make this size to make this type of allocation in your portfolio. It's another thing entirely to have position grow into beat into becoming that size i. mean that that is that is in a little bit of a different dynamic there, so people all the different ways, some sometimes folks will, they will just sort of looking at it from the house money, concept or you. You just sell enough shares to recoup your initial investment, and then you let the rest of it go. Some people are perfectly fine with thirty five percent. Some people are not. They want a pair back so i. do think you need to kind of figure out what helps you sleep at night I do think that shop by a great business. I think the biggest risk in only shop, if I right now is valuation, just because it's dominating, it's space, but it's not making any money yet, and it's probably going to be a little while until they do so that valuation risk is there, but ultimately yeah I think determine. Where you feel most comfortable with it, and if you feel like you need to put a little bit of that money off the table, and he thirty five percents a lot, certainly very understandable. If they've said something you need to do if you do decide to pair it back a little bit. You've made multiple purchases, so you can identify the shares to sell to manage the tax consequence if this isn't a brokerage account and not an IRA. All right next question comes from Steven. If you are forced into unemployment, you are paying federal income taxes on unemployment payments are not contributing to social security nor to Medicare. How does this affect your future calculation of social security benefits and can one contribute to the social security fund during unemployment to mitigate any adverse effects on benefits, it is a little bit adding insult to injury, but you do owe federal income taxes on your unemployment benefits, and if your state charges has a state income tax, you probably have to pay state tax on that, although there are a handful of states that exempt unemployment benefits, so that's good news. And by the way you, you could have taxes withheld from your unemployment benefits you file. This form called form w four V. if you want, they withhold ten percent, or you can do quarterly estimated payments if you wanNA avoid that big tax bill at the end of the year, but if you're strapped for cash is probably just better to get the money now worried about your taxes later Eh. Stephen notes out. You do not pay payroll taxes. Those are the things that go into social security and Medicare so. So. It could result in a lower social security benefit, however, keep in mind that social security is based on your thirty five highest earning years, so if you enter the workforce at say twenty two and you work until you're mid to late sixties. That's more than forty years where the working so hopefully. If you miss out, if this year is not so good somewhere among those other forty, five or so years, you've had thirty five really good year so that this year won't be that big of a deal. So it probably will be okay. And then to address the last question. Unfortunately, no, you cannot make voluntary contributions to social security. There is at least one academic working paper out there. That suggested that people could buy into social security by like extra credits as opposed to contributing to your 401k, but so far that has not been passed by Congress I had an ex. Question comes from Sam. I heard to stocks discussed on another full podcast. When I read articles about them, it mentions they are thinly traded. I have two questions one I'm sure my position would still be quite small so I think I'd still be able to get in and out, but are there other things I should think about when it's a thinly traded stock and question number two. Is there a certain amount of? Daily volume you like to look for when considering a stock foreign investment. What volume do you want to see to not be? Quote thinly traded stock. Yes very good question in thinly traded stock just refers to the either the amount of shares or the dollar volume of shares that would trade on any given. Market Day and so. The. Thinly traded stock. The the problem is that you may not necessarily able to buy and or sell at the prices. You necessarily think you might be able to in other words when you look at a stock's price and you're looking through the. What what's going on throughout the day on the market, you'll see that did ask spread, which is essentially the bid. Ask spread is it's what someone's willing to pay for the stock versus what someone is asking to be paid for the stock? Because you know you have a buyer and a seller on on in every transaction they're. Normally most cases, these business business bread is very tiny, the couple of pennies maybe for most stocks because they're. They're heavily traded right there. There are plenty of dollar volume. But there are a lot of smaller companies small caps in particular in in you know a micro cap, specifically that don't necessarily meet these kinds of thresholds, and so you definitely have to be aware of that now I'll go back in time just a little bit, too. When we were running the service here at the fool called million dollar portfolios Roman Romani portfolio that we help manage members, and it was never really a problem, but we did have a condition in there. We were always looking for at least ten million dollars in average. Trading volume total daily volume now understand I'm not saying the number of shares saying the amount of money so basically shares times price, but we're always looking for at least ten million dollars. That wasn't set in stone it. It was an idea for us. It wasn't ever really a problem because we had a very diversified portfolio with a number of different types of companies, but when you're looking for smaller companies, you would've just keep that in mind that did ask. Spread is is something that just because it says the stock is twenty dollars. That doesn't necessarily mean you'll pay twenty dollars if there is a a big spread there between the bid, and the ask in so I think whenever you're considering stocks that have any lighter trading volume or thinly traded stock. Just be sure to use limit orders. Limit Orders of let us stipulate the price that you are willing to pay for or that you're willing to. To accept a if you're selling a limit, order is just a really good way to protect yourself from any unwanted surprise thinly traded stocks. You might not always necessarily get them when you want them, so you might have to lead that limited are in there for a little while, but but a limit order is a great way to protect you from any unwanted surprises. Next question comes from Randall. I'm in my late thirties now, but earlier in my life. I was very very bad with my money. Collection Calls Welfare and bankruptcy or not strangers to me. I've been at the bottom then I met the love of my life, and she convinced me to turn things around ten, and a half years later and I have done a complete one eighty, I took control of our finances rebuilt my credit and started investing and listening to all you find folks all. I opened it investing account with the goal of saving and building enough a down payment on a home. I'm happy to say we've now reached that goal. I recently sold at a profit because I didn't want that. Money tied up in the market. If we are close to needing it for a house, but now that we're here, I'm not sure what to do. We currently rent a basement apartment and our neighbors general living situation are less than ideal to put it mildly. So, we're champing at the bit to jump into the housing market that being said the experts have been calling for a drop in the housing market for a while, and that was before the pandemic hit now I'm worried that if we buy right away a year or two or three from now, interest rates will spike, and we could be put in a difficult situation. I live near Toronto. Canada or the housing market is already highly inflated in relation to the rest of the country should I be worried? While Randall first of all congrats on turning your financial life around love hearing success stories like that so good job on that. So I'll start with my standard answer with the rent versus buy decision, and that is just pull up spreadsheet and compare the all in cost of renting, including what you could earn on the money that use for down payment versus the all in cost of buying including the opportunity cost of putting down payment as opposed to having invested as well as insurance and taxes and maintenance, and all that stuff and project, where you might be in five to ten years based on various scenarios on what happens to stocks, if you. Rent an invest the down payment versus what happens to? What you'd look like depending on where home prices go. Generally speaking. If mortgage rates go up, that could way down on real estate prices we did see mortgage rates. Go Up for a bit a few years ago, but the housing market did find, but you could certainly envision a scenario where rates went much much higher, making houses, much less affordable and prices would have to adjust. But I don't expect that to happen anytime soon. I think we're. GonNa have low rates for awhile, but beyond that I don't know I've given up trying to predict where interest rates are going or even paying attention to people who try to predict where interest rates are going, so who knows? That said since you live in Canada. I thought I'd check. In where rates are these days and I and I got a brief reminder that things are actually different in Canada so I did a little bit of research. And then realize I had reach out to someone who knows, I reached out to Canadian Motley fool analysts Jim Gillies, and he had some thoughts so first of all just for you non-canadians out there. It is really different so in America. We get this thirty year mortgage than we have the same payment for thirty years. It's fixed. They don't have that in Canada. What's the most common is a twenty five year? But only the first few years or fixed. And then adjusts so in that context you can understand why Randall is worried about interest rates going up because over the next depending on which alone he gets the most popular is a five year fixed, and then you basically have to go get a new loan probably. So that put that in context, a little more, but also Toronto, really is crazy expensive. Vs from the end of last year that put it as the most overvalued real estate market in the world behind Munich. As Jim pointed out in our call here in the US we had our housing peak in two, thousand, six, two, thousand seven, and then we had what he called a reset, which is basically prices came down significantly candidate and have that slight downturn at home prices, but then they just kept on going up, so it really is different there, so when Jim explain all this to me, the difference in mortgages and the difference in home prices. Frankly he was inclined to say to this guy. You Might WanNa rent for while more and see what happens, but he also had the good advice of okay. What if you buy in prices? Come Down Fifteen percent twenty percent. What if they come down to a point where he upside down? You owe more than the home is worth. Are you okay with that? If. You're okay with that. Maybe it's okay to do that. But it certainly sounds like dicey situation than if someone were telling me like I'm thinking of do this in Dubuque Iowa or something like that. couple of other differences. In case you're curious about Canada in the US. Your mortgage is portable in Canada south. You Buy A. Get the five year mortgage, but then move get to take the mortgage with you for the next house and interest is not tax deductible. US Look at you, Robert, broke? Camp Can Canadian real estate experts there you go. Next! Question comes from Chris. I was on twitter the other day and saw that one of your contributors Brian Feroldi tweeted that he doesn't believe in a long list of technical trading terms and then modern portfolio theory. Can you help me understand what not believing an MP? T with mean this? He believed that diversification doesn't reduce risk. Also every financial adviser I've ever talked to his preached empty, so I would love to hear the counterargument. Jason you're not Brian for all the. Question I am not Brian for all the do get the talk of Brian Pretty good bit though. I I must admit I. Don't know what he said here in regard to modern portfolio theory and all of these technical trading arms. But I think I can take a guess. Generally speaking I agree with them, and I think you could sit there and look up the portfolio theory in you know read about it as much as you want. Just go to google modern portfolio theory, and you can dig right in there, but in a nutshell ultimately, what modern portfolio theory is the intention behind it? It's meant to reduce risk while maximizing returns. It assumes that investors don't like risk. They prefer less risky portfolios to riskier ones in order to achieve a certain level of return so right there. I kind of kind of lost me right there because I don't believe that every ever investors risk averse I think some investors have a very. Healthy, appetite for risk, and frankly I would say I got a pretty high tolerance for risk when it comes to investing, made it just because of what I do for a living but I. You know to me I like having that trade off least unhappy. Happy to take some risks there. If I feel like that upside, it's going to be potentially worth. So with modern portfolio theory, it introduces a lot of fancy math in the form of variances and correlations in order to come up with this. Quantifiable, investing strategy that ultimately helps reduce risk while allowing the investor to achieve. Certain returns in. Maybe it works for some not I'm not dismissing it personally I. Don't use it, I don't personally subscribe to it I. Don't need it. I think honestly for us. In a really believe it's extends to to most people in our full universe is that is individual investors I think a more meaningful way to reduce risk. is to just extend your timeline like invest longer. So like Tom Gardner said a number of years back when we were. Working on Motley, fool one basically take your take the time line that you think you want to own any individual stocks you buy shares of starbucks and I plan on owning it for you know five years. Okay, we'll just double it. Cloning it for ten in all of a sudden right there. You've given yourself more time. Time is one of the big advantages we have is individual investors. Money managers don't have that advantage, Wall Street done generally handed abandoned, either, but if you can be patient and just invest in good businesses. That risk really starts to come down over time. There are plenty of studies out there. That show that risk comes down the longer you hold onto those stocks, which into me, just renders modern portfolio, theory, more or less not useful mean on things, not useful for everybody, but it's not useful for me and based on Chris. Question It sounds like a agree with what Brian was saying there. We think I'll add to. That is I agree that risk is really not that much of a consideration if you are saving for retirement. But once you are in retirement man, and just say like you know what the market's not I'm going to extend my time highs in ten years. Because you need to spend money in that situation, I think diversification is important. It's important to have assets that don't always move the same direction at the same time. For some fools. That's just as simple as keeping any money need the next five years in cash, so you're right out any ups and downs, and that can be fine. But I. do think it makes sense to have. A mix of investment so that right now, technology stocks are doing very well, and we hope that continues to do well, but we remember was that happened in two thousand from two thousand to two, and there were down for quite a while anyone who retired in one, thousand, nine, hundred nine, or so it was very happy to have some small caps value maybe a. A little international, some reits to ride out the storm Yeah I think we talk about that often like recognizing where you are as an investor in life, are you in the grow your wealth stage, or are you in the protector stage, because they are two very different strategies, and we're all hopefully going to be in both of them at one point or another right? I personally and still on the grow your wealth stage I. Think we all probably are, but you will at some point get to where you need to focus on protecting the wealth that you've made so that you can then have that money to spend, and that definitely will dictate your investment strategy things that you're invested in and whatnot. Generally speaking I do like the idea for people who are just risk averse and have this notion that investing is just too risky. I mean the fact of the matter is not investing as far away greater risk like not investing. You will never grow your money if you don't the best, so if if if risk is a problem, I think generally speaking. Along the lines of diversification idea that that bros. talking about him, he just invest in invest in SNP index fund is something that just follows the progress and p. you know you're going to be participating in and if you look at that over the over the stretch of time, their five ten twenty thirty years, I mean that trend does go one way. It, but clearly the older you get, the more you need to start focusing on protecting your wealth, and that will change the way you view things. Right next question comes from Alex from Alexandria if I buy Muny bonds from another state in my IRA. Is it still taxable and Alexander with who we have a bond on and we do have a bunch. I know Alex up super excited about having a bunch on in Alexandria to I can't believe I haven't been there. It's like two miles from my house, but we still haven't been oh i. know because there's a global pandemic going on and we. saw. Alyx if we buy me bonds from another state in my IRA is still taxable. Bro, help him out or her or so Muny Barnes. People Invest Immunity bonds because they're free of federal taxes and in many cases. If you're buying bonds issued by the place you live, they might be free of state and local taxes, so that can be doubly triply tax free. That's why people buy 'em. There are some times, however that if you own immune, abound outside of an IRA. Pay Taxes and this surprises some people. There's something called the minimum tax. If you buy immunity bond at a discount, and then it matures at par. If you buy a distress, Muny bond for like you put an eight thousand dollars, and you sell it later for ten thousand dollars as a capital gain. You'll be taxed on that. So, there are some times when you would pay taxes on media. Now, Alex is asking what if it's an IRA? Do I have to worry about paying tax interest. If it comes from another state and the answer is no, you won't have to worry about that. The only thing I would say is. Generally speaking immune bond already has built in tax advantages, so you wouldn't keep it in an IRA, unless there's the example of the stuff I was saying previously like for. It's one of those exceptions when him UNIBOND would result in taxes than you might WanNa keep it an IRA, but generally speaking. If you're going to buy Muny Bond, keep it out of an IRA. Next question comes from Boone. I just did my first. Roth conversion and looked at that old account for the first time in. There was the expected dividend producing fund I remembered, but there was a stock chesapeake energy that I had completely forgotten about since I purchased the stock in two thousand, six fifteen. It's down way down like eight point five percent off the purchase price. What should I do with it now? It's in a tax deferred accounts so I. Don't think the loss is realized until I. Start to pull money out of the account and that might not. Not Be for fifteen years current value of all my shares will be about one percent of the value of the account after the conversion. Do I sell in the very little value? I had left and depend on E. Trade to keep up with lost for me or should I hold on based on the slim chance. The stock will be worth more in the next ten years. Oil Stocks do act unusually on occasion, only oil stocks. Stock everything else makes that usually. Chesapeake has been really. Interesting Story to follow and frankly. I don't I. Don't know that I would look at it today. As a business that I'd WANNA own so typically if I. You know I think it was yet idea. Didn't sound like a position are actively building united investment didn't work out. I mean that that happens to all of us. We don't get them all right. We have a philosophy here at the full. A lot of do we like to? Water flowers and pull the weeds, and that's just a nice way of saying. Add to our winners in to get rid of losers in. This I think is more than likely slated to continue being a loser I mean. Chesapeake has lost a lot of value. In it does sound like based on when you purchased this, these is absolutely busted I mean. There there are all sorts of reasons to sell one of them is if you thesis busted and the reason why you invest in the company is is no longer the case, and I would he probably is the case with Chesapeake so to me like you know, you could sit there and let it go, but but what's the goal trying to get back to even, or are you trying to get back a couple of bucks for me a lot of times? I'll I'll take a little opportunity here and there to just go ahead and pull those weeds sell it. Be Done with it. In even though it's just unique out a little bit value there, you can still take that money and do something more productive with it. So. Yeah T to me. I can't tell you to buy or sell obviously, but I can certainly understand. Selling in this case, but I you know. As as oil and natural gas energy can can turn around. This is going to be one that has a lot of headwinds in in. You might be waiting a very long time to to get any of this money back. I point out here that I it seems that maybe boone has a slight misunderstanding of how taxes in aries work because he talked about realizing the loss when he takes the money out and trade keeping track of the loss for him, it sounds to me that he thinks that he can write the loss off whence he takes the money out. That may not be the case, but just to be clear. One of the great benefits of an IRA is you don't pay taxes on the gains, interest and dividends from year to year. But. One of the drawbacks is. You can't take a capital loss on that as well so there's really no no way to benefit on your tax return from this loss. Next question comes from Benjamin. You recommend seeing a fee. Only financial adviser for check in every so often I know there is the Garrett planning network and others to help find an advisor. But what questions do you ask? And what answers do you listen for when trying to find one that is worth his or her one hundred fifty to two hundred fifty per hour. So I would say start first with asking yourself some questions. What are you looking for? You could go for the whole launch. Lada where someone is managing your money analyzing retirement plan helping new save and a five twenty nine. Maybe even doing your taxes with some financial planners do help with the state planning, or are you looking for something more targeted? You just want advice about am I saving enough for retirement, or are you close to retirement? You're like I just WanNa make sure that I'm doing right when terms like choosing my Medicare plan and claiming social security at the right time, so first of all just be very clear of what you're looking for. Then if it involves investments in any way, you WanNa, make sure that you find someone who is at least in the general same area philosophically and I say this, because many financial planners are hardcore index. And if you come to them as a motley fool, listener member with a lot of individual stocks. They may say okay. I'll give you some general asset allocation guidance, or they'll say I don't care if you like to pick. Stocks are not my advises, sell the stocks and go to index funds, so you want to make sure that if you're gonNA, ask for any sort of investment. Advice that you wanna find someone who's someone somewhat at least aligned for what you're looking for. Once, you've got that then. Just asked some of the typical stuff. You might expect so credentials certified financial planner. Are they a CPA either their personal financial specialist. How long they've been in the business. There are lots of people who. have not been in the business very long. Even though they're not young people, a lot of people choose financial planning as a second career, which I think is great, but just because someone may be look like they're in their forties or fifties. Sixties doesn't mean they've been in the business that long, and you WANNA. See if they've worked with someone like you right so if you have. Maybe. You have a large amount of wealth large income huge portfolio. You WanNa make sure that they have experienced with dealing with those issues, but on the flip side to if if you have, are you know middle income, decent size portfolio, but nothing too complicated. You don't WanNa. Go to someone who's used to dealing with someone who's wealthier partially because those people charge a lot more. You want to find someone who's kind of a little more lined up with what you're doing. Then make appointments with three folks. All of them will do get do free. Get acquainted means, and you're just looking for someone who you feel comfortable with. Since, you mentioned Garrett Big Fan of the Gary Planning Network and other is is not for the National Association of Personal Financial Advisers. But Garrett on their website has a how to choose an adviser section. Just Google attitude visor Garrett Planet Network has a great chapter from a dummies book that they wrote about how to choose adviser, and they have a good questionnaire that you can print out in US asking lots of good questions of financial planner. It's tough. Choosing a financial planner like my mom just went through that Bro! Is You know and she didn't really have a lot of options in Boise Idaho. Maybe two and one of them, she I never called her back, and never got back her, and the other one was just so busy just so busy, and just she just never. It's it can be rough. Finding a financial planner can be I. Think what we'll see is one of the consequences of this. Of the coronavirus pandemic. Just, like we are all used to working from home, many financial advisors and financial planners an now working from home. So in what they're doing is they're becoming licensed in more states. So, if you are more comfortable, working with someone over zoom remotely I think you don't have to stick with someone in your area. You can go beyond your locations, but you know some people don't feel comfortable that if if they're going to have someone managing their life savings, they want to be able to meet them in person. That's just a personal choice. All right next question comes from twitter. Is that right from sully what I hear? Okay? I just listened to the episode mentioning Your Weakness Two. Shopping carts and Tj, Maxx that me or you Jason. Accused me. Thoughts on the stock. If I had a war on Amazon, basket would be Costco TJ maxx Home Depot tractor supply. What would be your basket against online retail? That's funny. Well okay, listen I wouldn't have basket against online retail, because online retails where it's at. The whole idea. The whole idea behind the basket approaches to find a long term trend that you feel like the world is headed toward and so the war on cash basket, for example that was always one about people using cash war, traffic payments now with that said I get the spirit of the question some going to answer it because I do like some of these ideas. And I I would definitely include Costco in their in Home Depot's well. Home Depot gets a lot of my money. Doesn't, but they have a very loyal fan base of customers that just are happy to renew year in year out. So I love those membership models there, so costco and a Home Depot for sure you know I'm going to give a little shout at my wife Robin I. Know that she would approve of my adding target to the mixer. She hasn't been raving about targets APP and ordering on the APP the able to go to the store. Just pick it up right there I've talked with Ron Gross on more than one occasion about target and how this really has. Become a twenty first century resale right they're doing. They're doing everything online and in physical stores. What they call Alma Channel and then my fourth and I'm GONNA. Take this. You probably aren't expecting this when Alison. I'm GonNa Shock and all you. I'm ready. I'm ready Alta. We're going. Make up my I know my daughter's love. It ugly ugly Mug like this. What do I know about makeup? Tell you what. Get! A House with two daughters and a wife. That's what I know about make. There's a lot of it in an Ulta is a really really good business. They actually have a very nice diversified revenue stream. They've got the salon a`dynamic of the business which encourages people to go there they do have an online business. They have an augmented reality function there at where you can actually like. Try things on makeup to see how it looks. Mary Dillon just a phenomenal other adults of that's my fourth, their Ulta but they I appreciate the spirit of the question I like the idea I'm not saying this is the basket. I'm not tracking this basket in a not a not backing this basket, but in the spirit of the question if I had to develop. A basket, such as this one I think it'd go with those four. Yeah, I mean I guess you just have to think about what retail out there is something that you would still physically go to. Because the actual retail experience is being in the space is the experience and what you're there for? And I know I mean before Corona virus we I would go to target and just just couldn't believe how much money I had spent from walking through a few of the aisles. TJ Max is just a phenomenal business I mean what they've done through the years. Is really capitalized on the nature of the business, the advantage they have in that treasure hunt kind of nature like you go to TJ Max, maybe not necessarily looking for something, and then you end up finding a lot of things, and it can be a little bit lumping at times, but but generally speaking like management's a very good job of running that business, and they know how to exploit the advantage of experience. I think they're online game. Though I think they could probably get something going with online, and they just have not have not yet and so I. Haven't since Corona Virus for example. I haven't spent a single dollar there, but I continue to still shop at. Home Depot I. Think Yeah! We still shopping at home depot because we're doing. You know you gotta buy lumber somewhere. And I know my grandparents out in my my inlaws out in rural Virginia. They love tractor supply store, but that's not. That's not in where we live, but. Still New deck at the house there allison. I mean you, can you see? A big exposed beam behind me and some drywall work that needs to happen. Have lots of drywall work that needs to happen now though. Yeah Anyway get to that. All right next question comes from Matthew. I got married to my amazing wife nine days ago in a small Kobe nineteen wedding in our front yard after we postponed it from its original date in April all. It was definitely different, but still very special. My question is in relation to this wonderful event. My salary has been at a level that has allowed me to fund a roth. Ira I love the optionality of it, but after marrying my bad ass, wife are combined. Salaries are now over the limit that would allow me to fund the Roth. IRA does this affect occur immediately? Do I need to now open up a traditional. IRA and begin funding it or do I have until the end of the year. Matthew wants a Roth Bachelor party one last. Well Matthew I have bad news. When it comes to most things in taxes, your status and your age and things like that depends on where you are on the last day of the year, said if you're married on the last day of the year, you were considered married for the whole year. So that means if you contributed started contributing to a Roth IRA for twenty twenty. You need to call up your brokerage. Firm and re characterize that as a traditional. Now don't have any other traditional IRA, as it's very easy to do the back door, Ross which we've talked about before you can just google it or even when you call the brokerage, just say I want to do the backdoor. Roth and they'll tell you what to do. If, you have other traditional IRA as you can still do. It just becomes more complicated and you'll probably pay more taxes. So you, but you may not be totally out of luck and I should say that's only if you have a traditional IRA doesn't matter if your wife has traditional areas. One exception by the way of of what I just said. In terms of tax status and last day of the year is distributions from retirement accounts before it's age fifty nine and a half, you actually have to be age fifty nine and a half to avoid that ten percent early distribution penalty, unless some of the many exceptions that are out there exist. Right next question comes from Warren Warren Buffett. Maybe I don't know that's why I was thinking. He's asking about coq, so maybe maybe. Once James Opinion on coke. By? Or hold? Wants to now. I'd give buffet night give. Kiesel Warren of the same advice and I would say. For some I'm not buying it. Not Buying it I'm not holding it if I own it. I guess that means sell it. Even Atlanta Georgia person like you i. feel like it's almost sacrilege. I am pretty close to probably not being ever even invited back. But the facts are the facts. Okay, I mean you do have to look at the stock itself has been ain't bad stockton for the last five years. I mean I do understand why when you look at it what they do, I mean they have. Four hundred master brands, and less than fifty percent of them are the big global brands that are actually responsible for almost all of their revenue when I say almost only ninety eight percent, so it's a business. It's very reliant on on. You know a small portfolio of really successful grants. The problem is now. We've always talked about cocoa beans such a great distribution story and that's true. They've got a distribution network. It's just phenomenal, but the problem is now. They're what they're distributing is is being seen as not so good for you in so you're seeing them. Have it into to essentially pivot away from what you know brought them all of the success for all these years. Years in soda and that that's not going to change I. Mean you're always GonNa have people to drink soda? People are not to drinking as much soda going forward in the numbers of just kind of the kind of shown that through that through the quarters in the years of Coca, Cola and Pepsi Pepsi. Has the salty snacks division, which I've always been very. Impressed by I, mean I love a good Cheeto, and so I mean anytime you can throw a bag of those cheetos in my Patriot Amok GonNa, turn it their coq. Interrupting, but I think this is also very important point. You tried the Jalapeno White Cheddar crunchy cheetos. The White Shit or so. I've tried to Jalapeno ones but I've not seen the white Cheddar White Cheddar Jalapeno crunchy cheetos. Don't get the puffy. The poofy ones are not as good, but the crunchy white Cheddar Jalapeno Cheetahs. them by them. They're amazing. I have to back. Pain you. I'll get those next time. I promise I, mean Eh. One. crunchy wants the puffy ones, so that people won't you're not? You're not seeing poopie. Who using poofy Joe Copy? We'll be Coca doesn't have that dynamic of their business. They don't have that dynamic to their business, and they've suffered from that Pepsi's Pepsi's outperform coca-cola over the last several years. It's not safe. Pepsi or coke get it back. I'm sure they probably can. But what I am saying is I think there are a lot of better ideas out there, and so I wouldn't be putting new money into Coca Cola and frankly if I did own it. I probably would look at selling it and you know if you've got a beverage company, maybe own starbucks. It seems like the science coming out in support of coffee, right? It's coming and telling you that these sodas. They're gonNA. Make you fat. Coffee, it could extend your life. It could help you live longer. SMART Mexican looking this a starbucks as well is. That sounds like study from the copy roasters of America. Do! Something that Chris Hill sent me the other day. that. We sleep at night. I'm glad I've been drinking coffee as long as I have God knows what I would look like otherwise. You're a good looking man. Rick. good-looking next question comes from. A. I'm trying to save money for my kid's College. Fund while the five nine is a great option. I'm limited to investing in mutual funds, which means at best I'm going to get what the market gets assuming I do some sort of low cost index fund and I be a capital F. Fool investor have been doing much better than the market in the last three years of being a member of. Of Stock Advisor Enroll breakers, even during this pandemic mess by listening to every full podcast and following David and Tom's and yours and every one else's in the full universe. My portfolio of about one hundred stocks is up here today. Thirty percent to the market's down five percent as of day as of today weighed down by three sluggish five to nine plants that are also down five percent each. I feel like throwing away money by using the five to nine, and not being allowed to select my own great companies in which to invest. What's more, my understanding is that the five to nine does not count as an asset for the kid when applying for student aid, but the coverdale does. So I come to you with a simple question. Can I have my cake and eat it, too? What if I wanted to use the coverdell to buy individual stocks? Until the child is nearing college? At which point I then converted to a five to nine. This allows me to get better returns and avoid it being an asset for financial aid and get the favorable tax benefit. So, chose this question, because first of all Dune does a good job explaining the benefits of the coverdell over the five twenty nine, you can buy individual stocks. You can buy and sell them all day long. We recommend that, but you can. Whereas with the five twenty nine, you can only make two changes to the investments a year, and it's all mutual funds. So. That's you did a good job of explaining that. I will point out with the coverdell. It's gotta low contribution limit of only two thousand dollars a year, so for some people save more for college, but they can max out to cover it out, but then put the rest in a five twenty nine. One thing that doomed does not have quite right. Is The financial aid treatment the financial aid treatment? Coverdale's and five twenty nine is identical. They're treated as assets of the parent, not the kid that is favourable from a financial aid perspective. It's not negligible doesn't mean it doesn't have any effect on financial aid, but it's better than an asset that is owned. By the kid. He can. Transfer money from the Coverdell to the five twenty nine. If for some reason, he decides to do that, but you can't transfer it. The other way around so were convinced to try out the covered. You have money in a five twenty nine. You can't move it from the five twenty nine. To the coverdale. What other interesting thing that he pointed out is that he is doing very well with his investments, and he owns about one hundred stocks. We get this question a lot. Either on the show, or on the full live that we run every day for members of full services, and that is how many stocks should I own, and if I owned too many are not just owning index fund watering down my returns, but here's an example if someone owns a one hundred stocks is still crushing the market. Idol last question comes from Cameron thoughts on the valuation of Stone Co in light of the corona virus for a fragile country like Brazil. This could be the tipping point after so many other headwinds. But how does that affect stone? coz Business Jason I. Don't even know what Stone Co is. What is still business? Yes, don't Coz a payments company that's focused on Latin American markets in Brazil and particular in so I guess it could be. Draw you can draw a parallel to to a with square through pay pal at, but generally speaking I mean it's payments. Company focused on Latin America. Primarily Brazil. Is the big money making market kind of like Marco Libra, they're. In I, I, it's a it's. A NEAT opportunity, gained a lot of headline recently, when and it was, it was seen that Berkshire hathaway. Warren Buffett's company Berkshire hathaway taken a five percent position in the company, which is pretty considerable i. Think in the near term. You have to acknowledge the fact that. They're gonNA, be some real headwinds in in Brazil particularly because of the pandemic I mean. The flip side of that is role in same boat kind of in that regard. The entire world is dealing with it, so it's not specifically you know it's. It's not particular to one economy or one country some. To get hit harder than others I, do feel like Brazil. Be at a place where they can recover from this given You know some of the other businesses in the area. I mean that that that I think is. Who knows ultimately how? That's GONNA shake, but generally speaking. I think the move away from cash towards cashless. Transactions in and financial software that's not stopping if anything, this hastens that which which is what I think, Cameron's talking about there and for a company like stone. Co, neither are other companies in the space pags bureau in roquetas libra to but you know moving money around is a big big market opportunity, and there's nothing that says they won't be able to expand well beyond the Latin American markets, too, so I I'd say cautiously optimistic I mean I
Stephanie Fleming on organization, life hacks, and how she built 'The Happy Planner' and 'Me & My Big Ideas'
"Are so excited to. To introduce incredible Stephanie Fleming. She is a creative entrepreneurs speaker of and wellness seeker. Most notably, she is the CO founder of me and my big ideas creator of the happy planner, and what began twenty years ago as a tiny garage business is now an industry leading lifestyle brand and offers a wide variety of products that inspire customers to live creatively and plan a happy life. Please welcome Stephanie to the show. Okay, we'll Stephanie. We are so excited to have you on the here for her podcast. Thank you so much for joining us. And we are so curious about everything that you've created and your and so I think. Our audience is going to be very very interested in the business aspect of. Everything that we're about to talk about some super excited cool. I'm so excited to be talking to you. Guys for those who don't know. Tell us a little bit about your health. I'm Stephanie. Fleming and I'm a creative entrepreneur. I actually call myself like an accidental entrepreneur. I started my business me and my big ideas with my mom twenty actually over twenty years ago started in my garage with an idea of just one idea for making stickers for the scrapbooking industry at that time and. And really just kind of wanted to do it too. I needed a creative outlet. Yes, but I needed to pay the bills like I. was you know a young mom and struggling to make ends meet, and just really wanting to like. Go out there and I would do anything because I you know I wanted a better life for myself, and for my kids and and so I was definitely you're. You're? The definition of a hustler like I was like I have no money, but I will put in the sweat equity so. We been hustling with me and my big ideas for. Over twenty years now, and we've created everything from paper stickers and now planner, so planners is our latest the happy planners, our latest product line and It's just been such a a wonderful thing for us to get into because we get to share a love for creativity for positively, and that's been kind of where I have fallen in the last probably five or six years which. Not only being an entrepreneur in a business person, but also being able to be the spokesperson for our product and our brand, and that's something that I've been totally passionate about. It's amazing. I'm curious. So, what did you do before you started your business? Were you a stay at home? Mom? Did you have have a job, so I was? I was pregnant when I was eighteen. Not Married had had a baby, and when immediately from high school to I need to find some way to take care of my son and I did in home daycare for eight years, and was daycare provider for six kids usually at one time and it was you know it's honest work? It's hard work. It's eleven hour days for you know for eight years and you know all I to do is be a good mom, and and so I didn't have a college education. I grew up in the craft industry though my. My parents had a manufacturing and distributing business so I grew up from picking orders in the warehouse. To you know watching my parents who are entrepreneurs basically navigate the craft industry and come along with them to trade shows and things like that so I always had that creative bug, and and even as an entrepreneur as a kid I was making little catalog, so you can buy these cards here, my designs and so, but then life hits, and then you have to go out, and you know and do the best you can and and so at the time. In one, thousand, nine, hundred eight. My mom and my mom had sold that business, she and my stepdad divorced and they sold their business, and so she was kind of at this place in her life where she was like okay. I'm ready to start over, I need. She was probably my age now, and it was like thinking I need to start over and figure out what life looks like for me. Now and I was saying I just I want to start something something I want to do anything and so my mom had some seed money and. Like I said I would do. You know so. I stayed up all night trying to find just hustling to find hair. Competitors are advertising in this trade magazine. So that's a potential a mailing list for so anything possible. I was willing to do so. Yeah so it was not like I had this pedigree of an MBA, and I'm going. Go start a business, and that's why I say I'm definitely. An accidental entrepreneur, but I've I've loved it. We'll story. It is very very cool. It seems like you had it in your blood like raped in the beginning. Though like it was something that you're meant to do. I, think so. I think without knowing that that's what it was like. I was just cleaning out. One of the things we've done in quarantine is cleaning out our garage and so all my memorabilia. That's where I found my card. Catalogue of here are the things you combine I'm like I always was. Experiencing entrepreneurship right in front of my is growing up but I never really knew it. In fact, my mom was in charge of all of the creative side of the business, and was the one in charge of new products, and out there trying to find out what creative women were doing next, and so when my mom would go on an rnd shopping trip and take all of us with her. We didn't realize what we were doing was watching her shopping trends and seeing what was out in fashion, and how we can bring that into the craft and creative industries, so when it just seemed like something natural, and now I'm trying to identify people go. Where do you find your trend Mic-? Just Watch I. Just look and so yeah. We were Kinda groomed without knowing that that's what was happening. So cool and so. You had your first business you? You began doing that twenty years ago. And then you landed to the happy planner, which has been a huge success and It's a it's a beautiful book. It's something that you want to. Hold in your hand, and just like carry with you all the time. It's so cute and fashionable. Where did that idea come from? And how? How did you of get to that point? Where like I want to be in this market of making planners? Happy like honestly we've had a lot of great products that of sold weller mckellen's pretty cool, but the happy planner is like it's so me. It's totally me so the the way we came up with. It was pretty much the same process that we did it with anything. As we and my sister is heavily involved in product about men in our company as well, but we watch in decide okay. scrapbooking was huge for a while, and so we were able to kind of ride that. That wave and we've kept coming out with products and line extensions and and then you kind of see that it was kind of starting to taper off. It was not as popular and the products weren't as weren't selling and going doing the having the sell through that they did before, so we're like okay. We need to know what creative women are doing next. which is what my mom did, so we would always be looking for what. What what do i WanNa do what is something that's interesting for me. and and then also kind of searching pinterest looking around water, creative women doing so for some reason on pinterest people were taking just regular planners from staples, or whatever and they were putting our scrapbooking products, stickers and things and making them cute but the scrapbooking don't really fit like they don't fit size-wise. They didn't fit if you're you know the stickers we were. Were to commemorate memories and things, and that's not necessarily the things that you need for planning so I kind of just you know, and they were boring to staples like office supply things. They have black brown different color bays. You know really great. You know what I think. Someone would would think the businessmen would like. And then there was like three designs that were like purple. Paisley or some ugly grandma color. You know I'm a woman, I. I don't want that, so we thought definitely we could do better in design. We could get them more affordable. We could create accessories that would go specifically for them, and then you could put in those accessories like things that are positive so that every single day when you're planning when you're having fun putting stickers out ever, there's this creative positive message that makes you happy that keeps you going, and so it was just a kind of another. Offshoot into what we normally do. What are creative women doing? And at this point? It was like people are busy, and they want to be creative, but they need that little bit of licensed to say it's okay when you're planning your schedule. You can kind of put a sticker downer. Says you can do it or just. Those little positive affirmations make a make a big difference. I love that so much were all about positive affirmations and There's something that I still love about having a planner in front of me like an organizational planner. Where where I. Can you know touch the pages and I can mark things off. It's so different than a calendar on Google you know and I've always I've i. still have a planner, so I love that, but I'm curious because you have built such a successful brand and obviously. You've separated yourself in so many ways by having something very unique You offer as something that's very I would say year to the millennial woman. But how how have you separated yourself with your branding? I'm just so curious about like where your sales come from utilizing social media, you have a huge social media following. So, how what kind of what was your? What was the method to your madness at that point when you started thinking ahead? Yeah, so at that point. We had we had a very successful company in the craft industry and up? Until that point, we had what I figured successful products. We didn't really have necessarily like brand. Following social media was just coming up, but you know there was something about the happy, and I think my own personal passion for the product helped in planning it. No Pun intended. because. I feel like we got to this place or like this product line. I just feel like we need to be able to have a brand. There's gotta be a message behind because the message of the product is so powerful and so really. What happened I mean there wasn't? A Master Plan I love this product so much. That I just started talking about it and sharing on social media back in the periscope days. You remember, periscope yeah. Remember. About it and I just said you know what I would anytime we would come up with something, or we had something new exciting happening in office. I'd like I'm just GONNA share. It's just going to be I wanted to our product and the brand to feel like like we were just friends sharing like. If I was you know to call you up and say Oh, my Gosh I'm so excited. We just got this prototype in, and here's what it looks like. Here's how I'm going to use it and every. Every new products came in. We previewed it on periscope did live Q. and A. is, and and that's before people really doing that and we were sharing the process and the product, and sharing my excitement, geeking out over stickers and a paper planner you know, so. It became I thought there was really no plan other than to share authentically, and that was really before, but you know everything authenticity be authentic was just such a overused catchphrase, but that's what it was because I didn't actually want to be the spokesperson. For our company, and because it's such a team effort, and so I'm not. I'm not maybe maybe I wouldn't had the idea for. Let's let's look into to paper planners, but I didn't create designs, and I not the artist, and I'm not the one who source the product and sold it in such a team so but. In order I felt so passionately that. Don't have relationships with companies. They don't have relationships with products, but they have relationships with people and brands, and if I could be that conduit. To Give A. Personality to our land our company then. I'm like all right. I'm willing to do because I was the one before it was like no, I don't really want to know I'm just I'm fine to not do it, but when I was sharing something, I was so passionate about the following just came. We did not say hey. We want to get to I. Think we're over six hundred thousand on instagram. We didn't have a plan for that. I mean eventually to grow. It takes you get to a certain point. It's like okay now. You have to plan, but we grew our numbers very very organically, and by just engaging with them. You know true engagement and it's. It's not even just the number in the plan, but it's like. Are you engaged? Do you care about your followers? Do you care about your customers and deal you know? Are you engaging that way? Are you doing it for the rise near following? Are you doing it for the sale? Are you doing? Are you doing it because this? Just feel so right to you know. Yeah while you're on that topic, too. Because so cool that you grew organically because. I mean it's such an easily marketable product, but also like how how do you stand out amongst your competitors are? There's other planner companies out there. So what's your differentiating factor with your product? So at the beginning? We were the only ones pretty much doing what we did, so we stood out really quick, and it's almost like I. Always say like it was like. Like when I had my first when I said WHO's very well behaved typical. I am such a good mom. And then my daughter came a second, and she is like great, but she's you know totally like wild spirit and I'm like oh my gosh. I need to to work at this little more. So when we did when all of a sudden you're like It's growing and you're thinking. Oh, my gosh is great. People are just listening, and then all of a sudden when you're onto something, people and other brands and other companies go. They're onto something I. Think I'm going to try that, too. And then what you were doing so authentically is being duplicated right so. So what we have always done I think and even back in the scrapbooking and paper. Crafting days was just advice. My mom gave me is just really don't worry too much about what other people are doing. Find out what you uniquely do. What is it that your company or your brand do what do you? How do you stand out and for US There's a lot of people who have high end stationary and people. People that are saying a professional and I want it to look like this or I. Don't like this about your as well. This is who we are. We are colorful and fun and were affordable. We have a disc bound system where you can change things in and out, and those are some things honestly and with the brand that will turn people off when you really claim like who you are. Some people are going to say. Well, I. Don't know but I. don't like that well, but this is who we are when you can really find that those are the things that just kind of narrowed down, and you nail it down so much that these are the things that make us unique, and so for us. We embraced all of that. That is who we are fun and colorful, positive and an interchangeable, and all these things about the product and about our messaging. That's what we focused on, and I think even especially going forward when it becomes harder and you. Maybe at this point, we're going like you see a slowing in not just gaining followers as fast when you get up high. And there's more people in the space so for us it's how can we find? What, we, what is it that we offer? That's unique whether it's the message product. And, you kind of have those pillars of our being authentic. Is it something that's different or are we just white noise in the space? Should we be making a change? We be pivoting. Right now do. Is there something we need to be doing to be more aware of the surroundings of the economy of this of society so You're constantly looking for you have to just be aware. Of who you are where you're going and not being paying too much attention to. The competitors and the people aside. It's really hard though it's hard to do because you find yourself looking. They're doing so good over there. Maybe I should change and go that way so knowing who you are is a huge part of that success for us. And, I love how you really made an emphasis on. Being okay with not being a good fit for everyone, and you know we talk about this even on social media. How you know people always give us questions on. You know my Gosh I I lost if I don't post for three days. I'll lose one hundred followers well if those people want on, follow you because you haven't posted three days. They're not your people. Like they were never people anyway, so I love that you have you have a focus and you understand your branch so well. The you know who you're catering to, and also you mentioned pivoting when you need to because. You know I think that people get so focused on the end goal, and if it's not if it doesn't turn out exactly how they anticipated that it would be, they give up right, so I think that's I. Love that so much and it kind of brings me to my next question on. The hardships entrepreneurship because I think that when people look from the outside, they see this beautiful brand that you've built a successful mom who's who's doing it all, but it takes so much work and behind the scenes that the people don't see. Can you walk us through some of those hardships that you faced in how you've kind of gotten through them? Oh yeah and I think. I'm so glad you brought that up because you especially on social media, people will see their, so they'll say. Where were you because I'm pretty active on my own, and then also I with the happy planner, but it like where were you? We Miss John there. I'm like you guys like if I would have shown. What I was doing for the past seven days, it was get up in the morning. Go to work. Stay there till seven o'clock have like meetings altay come home barely figure how I'm going to get the door dash before I wanna fall asleep, and then you know over it over and over again and I'm like it's not glamorous. It's hard There's a lot that goes into it. You know and you have to love it if you are somebody who has your own business or your own brand? You have to love it because it is not I mean I would say. Ninety, eight percent of it's not glamorous, but it's rewarding. You know it's something that you love, but you're GONNA have failures. You can't be afraid to work hard and fail. Because, you're GONNA. Do both of those all the time? And you know and learning from your from your failures for me. It's like you know we've had products that the ones that you've mentioned like happy planner that quadrupled the size of our business in the matter of two years But in the in between, and we had already had like a pretty successful company, and we were like well, but what you don't see, are all of the things where you come out with the product and you're like that's a dog. You Know Kate next. What do we? Can we learn from that? You know that's what you can't. You can't shy away from it, but nobody wants to see that nobody, but those are the lessons. Are you know what you're seeing? When when you see the happy planner is our success of you know Gosh over twenty we did that. It was fifteen years. I think into the our business before we hit that like Grand Slam, we'd had several. You know that was. This product was a triple. This one was a strikeout. This one was a base hit. And then you know, we never know we not. Even we're not even. Promise that we were going to have that big of a success that we just kept going and every time we did we learned something like Oh we didn't do. The packaging wasn't right or you know. Maybe we rent to too early into that trend, or maybe we didn't research it enough or maybe we learned something every time but I mean we've had. We've had product failures. We've had really difficult times in the economy I've been around here through September eleventh through the two thousand eight crash where the business was doing great, and then all of a sudden we've had were having to like have layoffs and figure out how to make the hard decisions. To keep your business healthy and around and surviving, and that's really hard. I mean that's something that right now we're going through. You know we have. Luckily we've got a great basin. We've had a very successful business, but this is a gut punch, and for a healthy business like ours. This has been really difficult and I can only imagine if you're struggling before this, but you just have to figure out you. It's almost like a business as almost like being a parent. You've got to make those tough decisions. Decisions you know that not everyone's going to understand. That's going to be hard. It's going to keep you up at night. and those those you don't see those on social media. No one's sharing like we had to really hard today and or have been meetings all day, and if they are, they're showing you the picture of themselves looking really cute, and you know here I am with my thing and it's. It's just not always like that victims hardly ever like that, so I think it's sometimes i. I've shared lots more real version especially on my own personal social media on instagram. Especially because I, think we do a disservice to. Everybody but to women's in general specifically where it's like if you're trying to be an inspiration and trying to share with other women, this is what if I can, we can all be here for each other. You, know in business, and this is how we can succeed. We are doing a disservice if we are just showing what our lives really never looked like And how how then do those? How'd you push through? How do you push through at the worst times for people that are listening that are entrepreneurs have launched their business or not seeing success right away. Like what have you learned to cut has kept you going. I think i. mean this sounds like something that my husband would go. No, if you can't measure it, you can't manage it because he's. My husband was our CFO CEO and. But for me, I, it's so much into an instinct. And then pushed through because I believe in my instinct very strongly. There's a thing like I feel like you know for us. We were very fortunate that the business that we started stayed healthy, and was viable forever, however I. Kind of look at our product launches in our product releases and different product types almost like many businesses, because there comes a time when you know this isn't working, you know there comes a time when you're like. We just need to let this keep going. We need to work at market. We need and you just you kind of. If you're really being honest with yourself, you know when it's like am I pushing too hard for something. That's not really making. Any headway or do I just need to keep working harder and I feel like You know if we ask ourselves how we done everything. HAVE WE EXHAUSTED EVERY OPTION? That's what I think. We need to kind of listeners, though because I just feel like if you are sitting here like. With a struggling business, let's say whether it's from the economy or just like I'm just not going anywhere It's hard because some people will say just keep going. Just keep going all the time. I don't think you should do that all the time. Sometimes you want maybe need to move onto. Something different doesn't mean you're not going to be. In business or start your own company, or but maybe this, isn't it? Maybe it is? Maybe you're just sitting there going. You know what this is going to be tough times, but I believe in this business i. know we have and we're going to keep going, so you kind of have to listen to that. You know you're got to say. Where are you? Are you? You know? Do I need to keep pushing through this, or is there something else that I need to be? Doing are exploring. It's such a weird time to because with everything going on I. Mean People are obviously doing less news less really to plan but I think there's still an opportunity and it's great that the product isn't just a manner planning out your daily activities that can also be used for intentional set goal setting in just writing down thoughts that you have journaling so I love that it's it's I town that regard Have you guys thought of ways to during this tough time? Kind of still sell your product in different ways or maybe thinking about different product lunches. Were you know what kind of has been brewing in the last few weeks, so it's like a perfect example of. Of evolving and pivoting right so like. Yes, when you're when we're looking at people that are planning your days just filled. My days were just like I couldn't even have the whole damn thinking. How tiny can I right because there's so much going on, but you know one of the other things we have in our product, minus positively journaling and guided journals, and then when you you know for us, it would be so tone deaf to be talking. Talking about we know you're busy. Let's just talk about busy busy busy schedule Hustle. Let's go because this is not the time for that, so we had to look at. What do we have in? You know in our offering. And what do we have What do we think is important or is there something else we can offer so for us? you know slowing down journaling 'cause for me. It's all about putting the pen to paper. I Love I love my. Technology and I. On my computer as well, but there's something to me about writing stuff down whether it's my schedule and prioritizing key efficient or whether it's like you know just journaling what I'm grateful for writing that down I did a whole like wellness like year in two thousand eighteen, where every single day for the entire year I journal. Like what am I feeling I thought it was going to be like more. Of a fitness thinks I like. My cholesterol is high, and I needed to lose weight, and I was going to do all these things I'm going to travel the stuff and what it became was. Oh my gosh, I'm realizing that I'm tagging my emotions now like when I would write things down the journaling became the biggest part for me is what I was feeling like I was really I felt very marginalized that meeting today, and I came home, and I think like I was going into hibernation. You know and I was angry and I was, but I was identifying my feelings. Why was I instead of just going like writing down my food log? You know it's like it wasn't helpful for me. I. Know How to eat healthy. But to realize that when I feel angry, I don't know what to do with those feelings and to eat them you know, or and I'm like an eye stuff them and I. Try and do anything in Canton. and that was like a realization for me, so we're kind of leaning into that and saying hey, right now when you're stressed or you're afraid or whatever it is that you're going through. What can you lean into? And how can you get in touch with your feelings whether it's do journaling or if you really do maybe you're a mom who is trying to work fulltime at home and also. Also home school your kids to the distance learning the. Maybe you need to be really efficient, so you need to you know. What is it that you need and listening to that? Do you need to be productive? Do you need to be kind of moving a little more inward, and then just writing it down and really getting out of your head and onto paper, so you can help process it. Yeah I need to start journaling. That is something that. I know he's for the whole year. Did you notice that it had a huge impact on? It changed the way I thought it totally and I'm the same way because I'm like I'm so famous for starting a journal. And then it's really good for like a couple weeks, and then it's empty, and I keep it and all these like you know journals that have a little bit done in the beginning, and then like I wish I could combine them all. And are they now? It's like so I just said I have never made like a year long commitment to myself I. Will I mean I will do anything for my kids. My husband, my family, my, you know the team of me me and my big ideas, but for me. It'd be like I'm always the first one to get shoved off the list and so I, said I need I was stressed because just like what you were saying. Our business was. Wildly successful that year, and the year before that but I was so stressed out. Because when you quadruple the size of your company, and you're trying to do the same things that you did before scaling it and learning how to do that so quickly is really stressful for a for a creative person who likes to do things like. As I'm inspired. And so. So dealing with that was huge, so all of these things that I saw which were gaining weight having high cholesterol, not sleeping at night, having hiring Zaidi I was thinking, it was because I'm out of shape or this and I didn't really realize accepted the journaling. which that's not what I started to do. That it was more than just that and so this journaling process just gave me. Such clarity and insight into my own feelings that I had no idea and I don't think if I if I just tried to do that at the very beginning for just a little bit I, don't think I would have. Gotten as deep because like doing it every single year someday the destroy today sucked. He knows the worst day ever and I didn't know how to see it through, but then as I got used to journaling just as an exercise every day. I learned to go. You know to just kind of. I guess like look a little deeper. Really. Shed light on stuff that I had no idea I was looking for. I feel like now. I'M GONNA. Go buy one of your journals because I'm so inspired by that by just what you said and I think that I'm someone that just keeps everything in my head and I talked to myself all day every day just. All the things that have to do all the things that should you know that are behind me? That I should have done yesterday it's that's great. I love that with you. You know you don't realize that when you're not like kind of emptying out. It's like for me I was not able to. I was not able to like think of I was kind of creatively blocked, and then I was like even motion. Lee blocked and they just didn't realize because I'm the same. I am an over thinker. I like I process everything and I just I kinda hold onto it and I get very wrapped up in my own head, and so it was just almost like an emptying of it and helps me sleep. Helped me do all that stuff, so my guys. I think you'll love it. Okay. I'm sold. journaling. Borsch, now let's talk a little bit about living intentionally, which is very much related to what we're talking about now, bite. What does it mean for you to live intentionally? And how can people cultivate a more meaningful life? Because obviously you found your passion, you work really hard at you. Know keeping your mind rate, and it seems like you're a very self, reflective person, but how how have you gotten there? I think. I've always been somebody who really likes. Growing looking inside I ask a Lotta questions of myself and. Other people like I. Try and tell my husband like I'm not really trying to psychoanalyze you. Even I would love to just get into everybody's head, but I think that there's so much we can learn. And one of the things that I have learned just by trying to grow as a person and being teachable. Has Been You. Know there's nobody in the world that is going to take charge of my life, my happiness, the things that I want that me. Matt what happens around me it doesn't you know we can all we can all be complaining about what's happening in the world with your job with your relationship, but when it really comes down to it, you're the one that's responsible for what it is. You want in your life and how happy you are. And so for me, it started with number one. I needed to. Learn how to love myself because I didn't love and accept yourself believe you're worthy of all those things, and then once you believe that those things started kind of coming into my life and a realize it's like you know. That was something that I had to really focus on. I had to work on with myself I am. We're a project, so if you go out there, and you really want a job, or you really want to start a business, or you want a relationship. You have to almost I think. Go for the life that you want with that same passion and I mean for me. It's just been about really starting to identify. What is it that you want? What is it that makes you happy? And how do you need to get that? I think that's why I'm a planner at heart, because living intentionally as really planning, you're trying to like you have to identify something first and then figure out how you're going to get it right, so it's like for me. Identifying. What makes me happy? What the name of our podcast plan? Happy Life at the Tagline for our company. Or for the for the happy planner, because really feel like you know if if for me, I need to identify what it is, that makes me happy right, and so I'm not somebody who is an Adrenalin Junkie I'm not someone who needs a lot of activity in my life, I need I need serenity a need. Calm I need a place to be creative I want to go travel I want to be with my family so when I. Start to really identify Granular Li, like what it is, that makes me happy and what I want I can easily say you know okay well. Then I am intentionally going to make the choices that get me closer to those things that I want and. It's really a responsibility. You know it's really taking responsibility for For the actions that we take and you know and I think it's empowering I actually feel like instead of going like Oh. My Gosh I'm responsible for all of these things in my life and no one's going to do about me that makes me. I think it just gives it gives me the power back to say you know. Stuff can happen all around me. Crap can just be going on like everywhere and internally I can live intentionally with what makes me happy, which what? And I can be. Responsible for especially this stuff that's going on in my head. You know so setting intentions of you know whether it's daily whether it's setting an intention for a year or whenever you're feeling like you need a little more clarity into. What am I working for I think it's a really powerful thing to do and I know sometimes when things get more popularity. They gained that whole like people in Oh. Yeah, okay. Setting intentions are doing all this, and it sounds a little Wu, and all that and I'm like it, but it really really makes a difference in how we live our lives, and the decisions that we make yeah, and it's all it all goes back to taking accountability, right and totally nine I. always talk about this on the podcast where a lot of people struggle with that I. Think they kind of have this. Poor me, mentality or you know I could never accomplish that I'm not ex- enough. I'm not educated. Enough I'm not. You know fast enough smart enough pretty enough whatever it is, and I just do I. Hope that if pe- when people listen to this episode, they really if they take anything from it. I really hope that they listen to what you just said. Because it's so powerful, that's such a like. I can't I've had a lot of things. People will ask me like well. Of course, it's easy for you to be happy because where you are today, you know and I said, but but here's what you don't understand is that? The reason I'm happy is not because I have all the things that I have the reason I have all the things that I have is because a happy positive person who believes that I have. that. What happens in my life is a result of you know of the way that I go about it and what I believe I deserve and how and then I can have those things I'm happy. And I'm positive period. Doesn't necessarily. Happy happy I just mean like I'm going to be content and positive and optimistic in my life. No matter what is going on and I have lived through a lot of things I've had like I said I shared with you. Guys had some traumatic things in my childhood that have happened I was had a child eighteen I had a lot of money issues. I'm growing up. I was in an abusive relationship with physically and mentally, and there's a have been drug abuse them I mean lots of things that I've had to deal with and. I could very easily any of those instances been. Why did this happen to me? I could never start a business because I don't have a college education and they don't have any money, and they don't have this and you know. What will people think of me and you know a? Growing and believing that you can do something, no matter what like having that resilience and having that. Like I'm just going to figure it out like I said I. It pretty much anything now I'm probably going to be more of a of a jack-of-all-trades master of none but that's okay. That's who I am, and that's really has gotten me where I'm at, but yeah. I just I think if anything I totally agree with you. If I share anything, it would be that no matter what your circumstances are in life. I think optimism and. And believing that no matter what happens to you, you will get through this, and you make something of yourself, and you can get the things that you want in life If you know if you're working, you work hard. You have to be willing to work hard. You have to be teachable if to learn to be confident, but all those things are things you can control. And it doesn't really matter what your circumstances are. So that would be something I mean. Yes. I love the product. Yes, I love our brand. Yes, I love all these other things, but that's just something that I think everyone can take with them throughout their lives. Such great life advice, and it's so true I feel like there's been looking back and reflecting on my own experiences to and the hardships that you know everyone has different forms of adversity, but how you respond and react to that is I think all the difference and I think it was a murray furlough that said everything is figure out. That just. When you said that because it's true like if you have that drive and that hustle enough to do what it is that you WanNa, do you can figure that all out and I think Alex also reiterated several times. There's this concept of just start now. Figure everything else out along the way as you go. Otherwise, you're never gonNA start. You're never going to achieve those goals but in terms of goal, setting and just organizational tips. I mean I feel like the ideal buyer of the happy planner is a very organized individual, or maybe they're aspiring to be more organized. So what are some good organizational tips just in general that people can start practicing and then apply to the happy planner. And I am not a naturally organized person. At like what you see back there on this video that we're recording over is not what it normally looks like I'm a creative person so I'm very like. Just kind of scattered and I will follow an idea like if I have an idea, I'm like I'm down that rabbit hole and. There's a chaos and mastic usually follows so being organized and using happy planner and using organizational tools is actually been essential for me to be like a productive society member of society or running a business, so one of my favorite tools and I think we kind of alluded to this a little earlier was getting things out of your head in getting him down I use a master What I call him Master Action Item List, so it doesn't matter if like you are thinking of I've gotTa. GotTa do cupcakes the Kids School I've got empty. The dishwasher I have a huge project that I'm working on. That's do every little thing. Take space up in your head and It doesn't really you know you're not really. They all have the same weight, so you're thinking constantly of the Dishwasher, the cupcakes and all of these things and you don't have the space to really think about Give yourself like. Hey, now. I'm really focusing on the project because there's so much stuff spinning in your head. And, so I think David Allen I think is his name he said you're. You're headed for having ideas, not storing them so like for me. It's like Oh, my gosh, that is so perfect so I take and had this one massive list actually I have to, but it's ones home in one's work, but usually for most people one will do and. If everything that comes out of my head is something that I have to do if it's an action item. I put it on my list and then I work from that list. Would plan my weeks when I plan my days, so I look at Monday and I think okay. I've got five meetings not lot. Stuff's going to be coming off that to do list, but on Tuesday I have one meeting in the morning and I had the whole day that I. have so I'll go off of my master list and then start working from there. I'M NOT GONNA forget my tasks that way. It's not going to be like oh shoot cupcake sting it. You have your your things that have due dates and everything so when I'm working from it I don't have fifteen sticky notes everywhere and a piece of paper that I wrote over there. That I got lost cause. I left it in my car and you're constantly then figuring out. How do I remember where it was that thing so keeping everything kind of in one place has been a big tip for me. the second organizational tip that I use I plan every Sunday I plan my week out every Sunday so or whatever the day before the start of week.' In for me. Mondays the start, so I sit down I. Take a look at what are all of the to the must do's appointments. The the deadlines that have to happen that week and get all those things in there and I. I plan everything out from date night with my husband every week. we're putting that in their first wins the time that I need one of my GonNa. Go exercise. When am I going to those put in appointments, and then I start to fill in again with things from that master to do. If I don't do that, then you know, there's things that come up and they're just time. Thief's and they come in to take in all of a sudden. You look and you've spent. Monday and you're thinking I've done nothing you know. It could be a week and you're going like shoot. There's nothing off my list. conversely you can take a look at that, and if you've been really productive, there've been times. I had no idea I could get that much done. So those are two tips for me to stay on and just to contend me. Being organized means being productive, because if I'm not productive, my stuff's all over the place. I get very easily overwhelmed, and that is not a good place for me to be. I was GONNA ask as well with with your master. Master list you add everything from like emptying the dishwasher doing laundry like every task so usually I have like if those are ongoing I will have just started doing this, which helped a lot, but all I kind of assign like if something that occurs every week for me I have a list. That's basically recurring tasks, so if you're if it's a cleaning thing, it's like an you know you've got changes sheets. You know the bathrooms or whatever I've got empty Roomba. because. Just, all those little things that are like take the trash out. Those are of things that I put off to the side which are more recurring tasks. And then when I sit down. Unday, I think you know empty room by the today's the in the evenings and do my meal planning here and those things happen all the time. The the Master List for me is you know the things that are their projects or their like like for me for my work one. It's like every time like I need to talk to him about this Call up this person and make sure I return this thing and check out on. All of the let's marketing meetings scheduled out. Make sure to reach out and so then I can cross them off. On Cross them off. And then when they're done, they're done, and of course you know once it gets to about halfway marked off at create a new list because it's prettier. And I like doing that, but yeah, the reoccurred things I keep separately. Of It, so we're GONNA. Get this all in. Your home about really what you're saying is it comes down to time management skills right, and yes, you know like you said there are some days ago by and I'm like. How did I just spent two hours scrolling through instagram? Checking emails bearing bearing myself in emails that really don't I don't need to get back to these people right away and you self reflect and go like that I see I'm busy, but to hours of that time was wasted. Time management is huge, and that was another thing that I uncovered in my memorabilia box that said think I was in like fourth grade and the teacher says like Stephanie needs to learn time management. Because it is true, because I do the same thing and I feel like there's so many times when people say I just don't have enough time and I'm thinking i. just spent four hours binge-watching. Whatever I. We. Do have the time and that's okay. If you're going, you know what I'm going to. It's going to be a binge party like I am going to be watching and It's fine but I think we need to be aware like you don't WanNa miss out on the things that you either want to be doing our need to be doing because you're not managing your time well and like I said it's a constant struggle. This is going to be something that I'm GonNa be. Be doing for my whole life. Because you know because I'm just not naturally inclined to be that way even, but it's a habit you know, and it's easier for me now, but managing your time well and scheduling it out is is a habit that we form you know, and it's just like it just becomes easier and then yeah, you find him. There's nothing to me like when I look at a list I'm like. Oh, my gosh look! How productive I was this week! That is such a good feeling when you even when you finish the day, and you're like man I was on point today like I knocked this off the list and I. Did this and you just feel good? There's just this feeling it brings. There's something about they say like an actual like I don't know what gets release, dopamine, or whatever that when you cross things off your list. That, yes, go. It is what? What are some other resources that you? You've enjoyed yourself or that? You would recommend to listeners in terms of time, management or building, good habits, organizational tools and practices. I think that like to meet. Okay decluttering. Making sure that you like you don't have because again. The more clutter at the worst and I know they say you know a messy desk or whatever they say, but the MESSI dozen. Beans or whatever and it is, but it's probably one who's just driving themselves crazy 'cause they can't find anything so developing somewhat of. Of A protocol for how you're GONNA. Plan your weeks and then also. One of the things I don't know if it's not really a resource, but it's something that I learned that. I kind of tend to first thing in the morning. I want to like answer all like you're saying I. Want to answer all my emails, and then of course I go down. Somebody's asking you know unsubscribe to all these things now and then I started subscribing, and then I go down, and so somebody told me to block off your days and at the beginning. Do the most important thing for you that you need to. To get done in the morning or whenever it is that you work I work best in the morning and freshest van, and then about three o'clock, I'm looking for anything else. I'm looking for something to snack on or any distraction and it, but some people are not also if you're like going, this is when I do my best work. Then make sure you can identify those times because you're gonNA. Find that you have. You're going to get more done. You'RE GONNA feel more efficient more. More productive and I think that's going to help I. Definitely, figure think that if you can figure out how technology and productivity work for you. I am kind of a hybrid between outlook and all of the technology that we can't. We have that really does keep us I've got when I have meetings. All my stuff is stored. I, don't WanNa. Right down the zoom. Call Identification Number and the password, and all these things you know, that's all stored in my outlook and I have a really good relationship between paper planning and my tech, you know. And then but I have a process every time I have like a nice system. I think I think that works I've been I've used a lot of productivity tools into honest with you. Nothing's really kept me more productive than just keeping it simple and planning things out and getting stuff done I mean it. It starts off great, but then it's just something else for me to. Keep track of so having something just right in my face whether it's my outlook, calendar or or my paper planner I just like I, said I've tried I've tried them all I've tried. And I know they were really well for some people, but for me it's just all about keeping it really simple and just getting stuff done. Yeah, and you know what I love the realness because we get questions, sometimes of like. How do you have a business and you work fulltime in your mind like? How do you do all the things? And I always kind of self reflect in its and I always think you know. You make time for what's important to you. That's the bottom line. We all have twenty four hours a day. I think that that hustle mentality isn't always helpful and isn't always positive, but at the same time if you have something that you want to accomplish. You just have to do it. You have to figure it out and do it. That's the bottom line. So Yeah? I love what you said on that. You know what I'd like to ask you Stephanie. If there's some sort of book or podcast or resource that you'd recommend for our followers, I don't know if you have any in mind that something that is is really impacted you in some way. Yes, so two different two different things so a book that basically just changed my life completely were was the gifts of imperfection by Bernard Brown. And it was one of those things where I just realized I don't have to be perfect I'm worthy of just the way I am, and that just really kind of just her whole. I love her so much that book. When I started to believe those things about myself, things change. They think changed in my life. They changed in my business That's why I think that no matter what you're looking at doing that. Inner work is I. Don't don't try and like. Get the promotion or getting the relationship, because you think that's GonNa make you more successful or happier, or whatever, because if you're not okay with that first step I it's all going to be empty. You know you're going to get the promotion, but it's not gonNA. Feel as great as you thought it was. Because you're. There's there's that whole in there that you're trying to fill so. That personally was amazing for me and then I love how I built this by Cairo's and. The podcast and for business. That's something that I listened to and I just. If, you're ever wanting to start a business and you think well I don't fit the typical either entrepreneur or business owner, or whatever I don't fit that mold listen to those stories there from every walk of life and every kind of story. It's so empowering to listen to them, but it's also really interesting to see how some of those people dealt with you know the setbacks, and how they how they innovated, and how they funded their businesses, and it's really interesting, and so, and they've covered just about like every aspect of business so I love those, too. Such third-rate episode actually heard how I built. This I've never listened to it, but I've heard it is great good, so that'll be one that'll that'll be added to my podcast list. podcasts our life right now in quarantine. Basically do anything and just have headphones on and listen to podcasts. For sure so good. Well this has been great. We are so happy that we have had the chance to chat with you and an answer all of our questions. Where can people find you on on social media? And where can they purchase happy planner? So they can find a me personally and INSTAGRAM's. Where is my John? That's what I love the most. People over it Instagram, so you can find me at Stephanie Score, Fleming. And then you can find the happy planner, which on Instagram, as the underscore happy, underscore planner or the happy planet Dot Com. I also have a podcast called planet. Happy Life that host with my daughter, sharing tips about how you can choose to be happier and planned to be happier and. And we love that, so that is planned a happy life. You can find that. At Planet Happy Life Dot Com so and then the happy planner you can buy at craft stores all over Michael's Joanne. Hobby Lobby Walmart and that'd be planner DOT COM, so we're all over. Love it. It's awesome. That is so great. We will link everything in the show notes, and it has been such a pleasure Stephanie you offer so much wisdom. As it relates to not only business but life so thank you for sitting down with us today. Thank you appreciate it. It's been fun talking to you.
Thailand reports 1 new coronavirus case, no new deaths
"Thailand has a population of seventy million yet. The country has recorded fewer than three thousand, two hundred fifty cases and fifty eight deaths, as of Thursday there had been no cases of transmission for about seven weeks. So how and why has it been sped the full devastation of covid nineteen well to tell us more I'm joined by Monaco's Bank correspondent. gwen were Robinson welcome back as ever. GWENT good to have you on monocle twenty four, so this seems to have been a country sped. Well I mean this is a very good question and it's obsessing. People particularly in this region, it should be said though that. Countries have also done like surprisingly well, including the and Mar Laos Cambodia these are all countries with very very fred the health system, so it's just as well. There were sped. And they were very slow some of them to actually look down, and in fact in the beginning some of the leader, for example in Cambodia was scoffing a little bit like Donald Trump at at the. It, so they were very slow to act and I like a lot of people, although experts will not say it There's very strong theories that he didn't humidity. Do have something to do with it. Clearly Kobe likes cold climates, and does not like warm, but humid climates. You can see in the Middle East in hot areas. They've succumbed quite badly, but that's very dry, so I think there's a theory there, but of course in Thailand with a a sort of. Not exactly a military government, but a government stuff full of former military officers they take great pride in their efficiency under claiming credit because of their excessive caution and This is now a real point of debate about how much it's Thailand prepared to kill it to coney for an obsession which has become an obsession with zero infections, and you know they are understandably proud that there's not been any local transmission for nearly seven weeks, but you can see. The fallout has been immense and the projections for unemployment for example. Example horrendous in fact, even the government's open economic forecasting think tank 'cause predicted eight point four million jobless people as a result of the code lockdown by the end of this year and an economic contraction of eight percent, which is huge, so I think you know, there are some cost-benefit these that really need to be done here, but as a as some people may be with. There's a lot of paranoia about meeting foreigners back into Thailand now. Indeed I mean we've seen some internal disputes within the authorities in Thailand. Resignations of economic ministers there's. Is there a sense that Thailand is very good at coping with stopping the spread of a pandemic, but has rather miss rather underestimated the huge economic damage that this could do. Well, I think you nailed it. With that point, that's right. It's a it's a trade off, and but interestingly the surveys I mean I don't know where the hell they're interviewing these people but the government released a survey last night, claiming of interviewed more than sixteen, hundred or around sixteen hundred ties throughout the country, showing that ninety eight percent of them feel that it is not yet time to let foreign of back in meanwhile, of course, you've got a tourism industry in freefall. Thailand is nearly twenty percent dependent for GDP on tourism and basically close to zero. Zero now they had forty million visitors last year and I think it sort of town around I. Don't know I mean. Nobody's getting in a very few foreigners or allowed him. Of course we enforcing the paranoia. I should've mentioned with the disclosure last week about the sort of very strange visit by an Egyptian military delegation, but promptly landed and took itself off for Jolie to the seaside resort of Rayon and turned out that one or gypsum military officer with infected with Kobe and tracking his movements seems like he went every. Shopping malls entertainment complex. The hotel restaurant. So the government has now tested about six thousand five hundred people in that Rayong area. It's all going into lockdown Ola hotel. The under strict guidelines and shopping malls are closed schools, and that has now spread to the resort area. Poppy are as well and these places that would just reopening after lockdown was lifted and struggling to basically domestic tourists, and now you know they've been set back, but you know if. If polls are believed to can be believed. I, you know it seems that you know. A lot of tides feel that you know they should still be cautious and that would imply that they're supporting the government. Meanwhile as you said, there's a lot of political turmoil and four key economic ministers resigned last week on group, and of course they were ousted following an internal reshuffle of the ruling party leadership and that SORTA quite. I'm not sure they're taking a rap for poor economic management. It's really more I think internal politics, but definitely the new team has a huge job ahead, and interestingly they haven't been very quick to announce the new team. Because apparently they're having a lot of cody getting very credible people to fill those shoes because It's going to be a very tough jaw. Publi. Couldn't Robinson in Bangkok? Many thanks for joining us on monocle twenty four
Some labs weren’t reporting negative coronavirus cases, Florida health department says
"Incomplete reporting from some Florida laboratories resulted in errors on the states report on virus positively rates according to a Fox thirty five news report, countless labs have reported a one hundred percent positivity. positivity rate that means every single person tested was positive. Other labs had very high positively rates Orlando Health for example reported in ninety eight percent positivity rate, Lee Memorial, hospital, Lab Pancaro Florida and advanced medical of Naples all reported one hundred percent positively rates. No negative results were included that rate implies every person tested had a positive result. Orlando Health confirmed errors in the report and its positivity rate. Rate is said to be nine point four percent, not ninety eight percent as listed similarly va spokesman said that the Orlando Veterans Affairs Medical Centers. Positive rate is actually six percent, not seventy six percent as seen on the report, the Florida Department of Health confirmed Tuesday that though private and public laboratories are required to immediately report both positive and negative cases. Some haven't. The department immediately began working with. With those labs to ensure that all results were being reported in order to provide comprehensive and transparent data, a spokesperson for the Florida Department of Health said as the state continues to receive results from various labs. That department will continue educating these labs on proper protocol for reporting covid nineteen. Test results. Florida recently set new national records for the largest daily increases in cases if it was reported correctly.
Debt Is Never the Answer with Dave Ramsey
"My twenties, I believed what a lot of people believe. The borrow money to make money. I got a degree in finance and the power of leverage and the simplistic formula that if you borrow at one interest rate by percent, four percent, and you reinvested, and you make ten or twelve percent that you're making the spread. That is simplistic, primitive wrong, but I believe that lots of people quote that to me on twitter. to show how ignorant I am that I just don't understand the power of leverage, but I do understand the power of leverage and. Four million dollars worth of real estate until I was twenty four and twenty five years old, and I bought it right so I had a net worth of a million dollars, which means only owed three million on the four million and make a couple of hundred thousand dollars a year flip in properties and doing things, but leverage is a two edged sword, and people never talk about the other edge of it. They always. It only works when it works. Marring money only works when it works. And so, what happened to us was we went broke because the bank called her notes, and we didn't have any liquid. We didn't mean money. We weren't laid on the notes. They just panicked. hysteria tax climate that we were in the presidential climate that we were in and called. You know, look around. Song is ninety short-term notes for flips, and they call them, so we spent two and a half years losing everything we own well in that process I had a an existential crisis. And everything that I believed evidently was wrong. Yeah, and so I went through this whole thing of my intellect, being crushed and questioning and as a Christian I was met God on the way up I got to know him on the way down, and so I started studying biblical finance, and I found the borrowers slave to the lender, and I found one hundred percent of the references in the Bible to dead or negative. And so as a believer that puts a challenge against your finance degree. Yeah, no kidding and you go okay. Somebody's wrong and somebody's right because they're two polar opposites, and you can't just say well, you know sometimes. It's not sometimes in the Bible. And it's all the time in the finance classroom. That's right that you borrow, and so I had to really took me why at first I was in a position and that I just bought it based on my faith. Okay, I don't borrow money. God said. Don't borrow money on. Borrow money period. And then over time I've started understand the intellectual reasons for that the mathematical reasons for that and so I don't borrow money by basically when you borrow money, you increase risk. and. When business people say zero. Five hundred thousand dollars to buy this piece of equipment. They do not. Ascertain risk. They say I can borrows money at six percent and I can put the piece of equipment to work and I can make twelve or fourteen percent on my money, but that's only if everything goes perfectly as it did in your head, and it never goes perfectly business about ninety percent of my ideas that I think are brilliant that I bring to the market. It suck. And borrow on them. It destroys. My life doesn't work, but I think this is a pretty everyone sees you as the guy on the cover of the book cutting up the credit card and the guy that's yell at people for taking car payments, but we don't always address the topic of debt for business. What you're saying is that the same principles apply to how you run your business as how you and your personal absolutely, and if you to look at it through the faith lands, you can't find it in scripture if you WANNA look at it through an intellectual Lens. Let's actually do real math in a real business case. Okay, if you get a finance degree and you get licensed. Licensed in securities like I have been, and you've been in that world. We know in that world that we do not compare a high risk. Mutual Fund apples to apples with a low risk mutual fund. There is a measure of risk mathematically. It's the height of the valley, the height of mountain if you graph it if you see the waves graph in your mind right now, the ones that are straight up straight down have a higher Beta. A Beta is a mathematical statistical measure of risk Okay, and so we know that you can take the bait drop it under the line, meaning an inverse mathematical formula and being complicated here, but the point is, you can intellectually look at this. So when you add risk when you adjust for risk, you can compare these two mutual funds apples to apples. By putting the Beta, underline yeah, inverse relationship, so you're adding risk into your math formula so that you can accurately look at the situation. Most people ninety eight percent of the business cases that entree leaders have brought to me and supposedly sophisticated people who criticize me on blocks. They do not have any measure of risk in their formula. They're not saying what happens if this happens, what happens if there's a move in the marketplace what happens if a customer doesn't pay me, what happens if it doesn't sell like? I think it's going to sell, and it can be something as simple as that guy borrowing ninety thousand dollars to buy a dump truck. And it's GonNa work out I'm GONNA saw him on a whole lot of stuff dump truck. We can't get loads. Fuel prices go up insurance prices. Go Up. He has wreck here about any of those things, and so he says I'm GonNa make money by borrowing money, but there's no mathematical measure of risk in that formula, and when you insert risk into your leverage formula, the benefits of Leverage go away. They dissipate. So turns out. We can mathematically prove that God was right. socking. I mean that's what it comes down to so present this. A bunch of MBA's at Vanderbilt spoke to him. Ba Group over there and they were looking at me like German shepherds Oh. That's what I was GONNA say. Lou because nowhere in academia. Does anybody talk about this?
Psoriasis on The Rise Due to Quarantine Stress
"I. Just read this really interesting study. This was published in the Journal of the American Academy of Dermatology so there was a survey of people with psoriasis in China during the covid nineteen pandemic there and the quarantine, and they found that that resulted in people, psoriasis, having negative effects on both their skin, their skin condition the. The psoriasis and their mental health, so part of the problem was that people weren't working, so they didn't have money to to pay for a lot of their psoriasis treatments, but a corrected for that, and they still found that there was a impact from the pandemic and the thinking. Is that It was partially because people weren't having outdoor access, and they were more stressed, and that's what you know played up the psoriasis. I feel like this is something we'll be talking about with our guest in the interview. So if that's intriguing to you definitely keep listening through the interview. another news item earlier, this spring, America's first native American beauty brand opened in window rock Arizona with a storefront I should say all of its employees are from the Navajo nation and the company beauty makes skincare and makeup I actually read about this company to feature in beauty. Independence linked to that on the blog but I love how the owner. Her name is a sake bottle of France SASSARI and she describes the products this way, which is just I just like smiling when I read this, the quotas quote our skincare line is ninety eight percent botanically based gentle yet effective life is already complicated, and my goal is to make sure our products are uncomplicated easy to use. Preach preach preach, preach, preach US ocoee Bois. I'm excited to see this brand. I'm going to order some so I can try it out, but for now just an interesting news.
AMC, other movie theaters plan to reopen by mid-July
"After three months of near total blackout of movie theaters nationwide feeders are preparing to re open with limited showings and severely reduced capacity AMC theatres the world's largest theater operator says it expects to have ninety seven of ninety eight percent of its theaters worldwide reopened by mid July theaters have slowly been re opening in other parts of the country and drive ins are flourishing
"Hello. This is me. She yousef. And this is tell them I am. In twenty fifteen I went on a road trip from Chicago to Wisconsin. And we went like really far north. Like I think the nearest people to us were a hundred miles away, which now that I think about it was probably a dangerous situation. Anyway, it was stunning if you haven't been to Wisconsin, you're seriously missing out. So it was late summer like early fall. And as we get deeper into the night, it starts to get really chilly, kind of Chris, and in the middle of the night, I go out into the backyard of the house. We're staying and the night is so block that I had to just stand there for a second. Try to find my way. And after a while my eyes start to adjust and there's this brightness remember looking up at the sky, the stars were clear and more crowded than I had ever seen before. It was honestly like the stars where the crowd at a concert, and I was. Onset or something? And I swear I could see the curve of the sky, it was like I was wrapped in almost. It was so literally beyond my reach like forget figuratively. I felt so small in a good way. So the next morning, I'm sitting inside on the couch with my breakfast. The sun is, like, especially bright, the kind of right? That even if it's cold to kind of just warms you up. And there's the dust in the air and for a second. The sunlight, set this crowd of dust dancing. And I felt so small. My name is Vanessa all in the end. I am an astronomer. I think that is the primary way that identify myself when I, meet new people. Astronauts are on a lot of times ex military and engineers like they have survival skills versus strana mors are fabulous nerds. It's Uman to gaze up at the stars and contemplate the cosmos. There's a there's a Carl Sagan, quote, I'm probably paraphrasing at this point. It's not explaining science. Seems to me perverse, when you're in love, you want to tell the world. I grew up with my parents may data's from Pakistan. He moved to the US in the eighties. Horrible up getting. Okay. And my mom is from India, Mark from our message. Good. There. I have two sisters. We're very close knit family. We love hang out with each other like going home. It was always like the highlight of my day. My parents had this interesting parenting style, which I have started to now be more aware of I didn't have a bed time. I didn't have occurred few. I never had any like rules about how long it could stay on the computer or the or the TV or, or the phone, but it was kind of will lose things where if I wanted to do something by parents would be like that doesn't seem like such a good idea. And then I would kind of be like, oh, but I think it is. So they like, they'd say, well, go ahead, try it, and then I would try it, and it wouldn't be a good idea. And they come back like see. I feel like I'm humble Ryan about my parents really amazing people. When is engineers? I was a sophomore in college. My dad got extremely sick. So he was taking a medication for a rheumatoid arthritis treatment, the medicine was I N, H, I, E so Nisaan and it's known to be extremely toxic. We were not told that my dad was prescribed his medications, so he was told to take this six month course of I h and when he was done with the six months course than he could come back to start his Arthur treatment, well, five months in my dad's sorta getting extremely sick. I is getting very confused. And then one day he woke up and was just completely yellow like completely jaundiced. His is really his skin was yellow. And we took him to the to his primary didn't it turned out. He was having liver failure. Annan ver- when I heard that he was having liver failure. I didn't know what that meant, and I remember being scared, but not being sure why I was scared. A couple days after he started to get a lot worse. And there is one to remember it was the Saturday we were all home, and we had to do like basic errands, like grocery shopping. And we're all going to Costco, my favorite thing ever. And my dad was my dad was feed be used completely out of him. We started to get really concerned. So my mom colds, my dad's primary, who is also one of our good family friends. So he came by the evening, putting I remember who's putting on my dad's shoes for him. Like getting him ready to go to the hospital. And my dad was like kicking him in the face. And he eventually got my dad dressed enough to hospital. And like put him in the front seat of his car with a lot of struggle for my dad and drove him himself to to the hospital. NYU langone. Turned out that his liver was ninety eight percent necrosis, which means that ninety eight percent of his liver had died. It became very clear that he needed a new liver, and he needed a liver transplant.
"My name is Vanessa all in the end. I am an astronomer. I think that is the primary way that identify myself when I, meet new people. Astronauts are on a lot of times ex military and engineers like they have survival skills versus strana mors are fabulous nerds. It's Uman to gaze up at the stars and contemplate the cosmos. There's a there's a Carl Sagan, quote, I'm probably paraphrasing at this point. It's not explaining science. Seems to me perverse, when you're in love, you want to tell the world. I grew up with my parents may data's from Pakistan. He moved to the US in the eighties. Horrible up getting. Okay. And my mom is from India, Mark from our message. Good. There. I have two sisters. We're very close knit family. We love hang out with each other like going home. It was always like the highlight of my day. My parents had this interesting parenting style, which I have started to now be more aware of I didn't have a bed time. I didn't have occurred few. I never had any like rules about how long it could stay on the computer or the or the TV or, or the phone, but it was kind of will lose things where if I wanted to do something by parents would be like that doesn't seem like such a good idea. And then I would kind of be like, oh, but I think it is. So they like, they'd say, well, go ahead, try it, and then I would try it, and it wouldn't be a good idea. And they come back like see. I feel like I'm humble Ryan about my parents really amazing people. When is engineers? I was a sophomore in college. My dad got extremely sick. So he was taking a medication for a rheumatoid arthritis treatment, the medicine was I N, H, I, E so Nisaan and it's known to be extremely toxic. We were not told that my dad was prescribed his medications, so he was told to take this six month course of I h and when he was done with the six months course than he could come back to start his Arthur treatment, well, five months in my dad's sorta getting extremely sick. I is getting very confused. And then one day he woke up and was just completely yellow like completely jaundiced. His is really his skin was yellow. And we took him to the to his primary didn't it turned out. He was having liver failure. Annan ver- when I heard that he was having liver failure. I didn't know what that meant, and I remember being scared, but not being sure why I was scared. A couple days after he started to get a lot worse. And there is one to remember it was the Saturday we were all home, and we had to do like basic errands, like grocery shopping. And we're all going to Costco, my favorite thing ever. And my dad was my dad was feed be used completely out of him. We started to get really concerned. So my mom colds, my dad's primary, who is also one of our good family friends. So he came by the evening, putting I remember who's putting on my dad's shoes for him. Like getting him ready to go to the hospital. And my dad was like kicking him in the face. And he eventually got my dad dressed enough to hospital. And like put him in the front seat of his car with a lot of struggle for my dad and drove him himself to to the hospital. NYU langone. Turned out that his liver was ninety eight percent necrosis, which means that ninety eight percent of his liver had died. It became very clear that he needed a new liver, and he needed a liver transplant. I just felt like as soon as, as soon as my dad was admitted hospital and this need for a transplant became a reality things kind of just felt completely different. And a couple of days into being in the hospital he fell into a coma. Apparently before my dad's slipped into the coma. He told the head transplant surgeon. Please help me get better because I have to take care of my family. I really was not processing like what was happening. Still going to all my classes I still hanging. All my problems, that's just kind of working on this autopilot mode, where I was going about my days, doing everything that I normally would going to my classes in the mornings, and they would take the six train down to NYU Langone and spend the rest of my day. There.
"ninety eight percent" Discussed on MotoWeek - MotoGP, Motorcycle and Racing News
"If you're a fan of a rider, and they haven't won in that length of time, you're going to be pretty excited about the idea that you're going to get the witness that you're going to be there at the race where the streak was broken. So I think that was most of what we heard was just that general gasp from the crowd that. Oh my gosh. I can't believe Marquez wreck. I mean, all of us were doing it at home. Right. And then the Rossi fans, you know, kind of realizing that at the same moment probably was about ninety eight percent of that roar that we heard from the crab. But I'm sure that there were some some. Some people need small fraction. But there were some people that probably were cheering simply because Marc Marquez wrecked. And I hope that was just a tiny portion because you know, somebody was right now, I hope that was just a tiny portion of the crab reaction because you never want to hear people cheer simply because somebody wrecked because nobody should cheer in. Oh, four guy to potentially get hurt or in a situation where a guy could get hurt. But I think what we did here on the broadcast was, you know, a product of the situation and the writer that subsequently ended up in the lead when that happened. So I think that's why there was such a strong reaction from the crowd. I don't think that that the entirety of coda was cheering because Marc Marquez fell down. I think it was half shock and half realization that oh my gosh. Now Valentino Rossi is in the lead. You know, Sean said it was only a matter of time before Mark lost or made a mistake at circuit of the Americas. And really, you know law of averages does say that you can't win every single race. No matter how good you are. Eventually it's going to come back around. And this happened to be the time for Mark marquess? But the question still remains as to why Mark went down. Now cale said that both he and Mark had problems with the front tire. And even Jack Miller speculated that Mark just pushed too hard at the beginning of the race. He overcooked the front Michelin. And because of that. Yeah, he might have been trying to back off. But he couldn't back off enough to get the temperature that frontier down, and that's what caused the wreck. Now. Of course, he was speculating cowo- speculating, the weird part is that Mark wasn't really willing to admit that himself, and we'll see when we get to Mark's comments in the second half of the show. But he really didn't blame it on the frontier he didn't blame it on anything. Really? He just said it happened, which is kind of strange explanation now Ricky on bread it.
"ninety eight percent" Discussed on Software Engineering Daily
"From most of our system like like ninety eight percent of it. Right. It's just like some encrypted string. So the one thing that you said that stood out was this idea that you have these ten thousand banks and their infrastructure can blip out at any time or they can change their maybe their API surface. And you you wanna have this proactive monitoring where you are at some interval painting these different banks and making sure like, okay. Can we still authenticate with this Bank? We still get transactions with this Bank. And so you with all these all these different API's you want it probably hit. These banks at regular intervals to make sure that all the all the API still work for these given banks what the process of managing that infrastructure for for doing that regular testing across all of those banks iterating through all of those banks and testing them. All yeah. So actually, so it's really so when I joined I actually came in. And I was like, oh, we need just the service that you've just described. But it turns out our volume is so huge that we don't really need to pay the banks to see if it's up like we find out with real traffic extremely quickly. If something has changed so mostly it's mostly it's a bad validation about some metric whether a number of metrics that we try like we tracked some metric will start to behave badly if the data's off a number two the second channel is support to tell us if something is off. So like, I'll give you an example like very simple one as we get an account routing number. That's like the wrong length, right or the name on an account changes or like someone who..
"ninety eight percent" Discussed on C-SPAN Radio
"Question is how you do it andrew sealy now on the socalled public square she discusses this book vanishing frontiers right and the question is do you create real channels for people who have legitimate fear of persecution and does that go a little bit beyond the refugee standard right because there's a really strict we tend to follow really strict fear of persecution standard just stricter in the past week task couple days right you know but a lot of people might not meet that standard but yet they're flaring they are fleeing from real violence they do have real fear of returning even if it's not individual persecution and so what many countries have done unfortunately we're not in this mexico's actual better on this but but still is not much further is expand a little bit the definition of who is considered a refugee or legitimate asylum that's something we need to talk about i mean we do have to have some border control we can't let everyone in but there is a question also about how how we expand who we let in but we can't have any of these conversations seriously until we get back to a rational conversation about immigration and we're not there yet next question on your right but i add one more thing part of i think why the relationship is changing and this is the hazelton story again is ultimately because i mean one tenth of americans has mexican heritage this is growing over time and it's not going to grow not because of immigration as much because there's actually a lot of mexicans leaving same time also through legal routes both ways but it's gonna change also because of intermarriage is going to change because we live in the same neighborhoods i mean this is a piece of the story also why we're coming together because there's two million americans living in mexico no of all the things happening that may be the strongest bond gets her last couple of questions here if he didn't have a chance to ask a question interestingly we'll be at the reception immediately afterwards like last or second to last question right here rolling hustle andrew so brilliant book came out fantastic i must say i have to quibble of course patriots quitting five that cities experiencing rapid demographic change in declining industrial employment and he played them by offering the borders the wall and the metaphor i think we have to be careful because the trump paradox is that ninety eight percent of the counties that voted for trump are not hazelton have never met mexicans actual true and don't have either import competition from them so something deep is going on here right and i want to ask you to respond in the form of what do we tell an incoming president of mexico and how to deal with donald trump basically how do we specifically try to talk to the vast majority of this population that has a racialist metaphor that has been the pavlov leeann in the tooted at this point that we need to be able to reach out to them is it going to the congressional districts that we know are going to get hurt because that's actually a lot more of the population we'll get hurt then in the future then has ever experienced relationships with mexico up to this point yeah ucla did a great study which shows that actually the counties that count you did a county level as i remember counties that voted for president trump tended to have less experience with trade with mexico unless experience with immigration there is some evidence that that actually the rate of increase in immigration in nearby if not always in the in in particular cities has a huge effect on people's reaction so hazelton you're right is an outlier in some ways but often it is rapid change even if it's from zero to five percent or zero to ten percent that actually and it may not be in your city maybe in the city next door but but often that seems to have been a trigger in some in some cities so we can argue about that later the other on the other question i you know i think one thing i would tell a new mexican president is don't obsess about donald trump you know and i would probably say that about whoever the president is but but at this particular time even more i mean don't think that this is a relationship about two precedents think this is a broader relationship and make sure you engage as a broader relationship so.
"ninety eight percent" Discussed on Daily Tech News Show
"To the public access to large amounts of works or other subject matter uploaded by their users to prevent the availability on their services of works or other subject matter identified by right holders the directive mentions the use of effective content recognition technologies as an example have to say what the parliament did here was was in majority anyway say hey you know what right idea wrong implementation this is going to cause a lot of problems if we put it in this way let's send it back for debate and take another stab at it which actually what you should do yes let's let organize a committee to send it to another committee so we might then discuss the rightly ness of its committee worthy missed well in from what i understand and again i i follow in this all from far is particularly article thirteen the idea that let's say you do doesn't example if you have to if everything has to be scanned at upload right rather than looked at later on how that changes the crop copyright issues between the company and all of its users it's kind of a met its potential mess and there is the that's the problem is they're saying we need you to do something to prevent the uploading of copyrighted works we're not taking away your safe harbor as long as do that but like you say that that just turns it into a mess doesn't it yet does the register of boards that uk metropolitan police commissioner cressida dick said trials of automated facial recognition systems were expected by the public is by criticism at the technology is quote almost entirely inaccurate and would lead to lots of arrests and quote the london art lead to lots of arrests sorry to interrupt you the big gerard to harass sorry let me read it again quote over kentucky inaccurate and wouldn't lead to lots of arrests i got enough because there was another quote inside the quote abolish that's my fault the london force has been deploying the technology at public events like concerts festivals soccer matches mobile cici tv cameras are used to scan crowds and try to match images of faces to mugshots of wanted individuals according to data released under the uk's freedom of information laws the metropolitans a up our system has a ninety eight percent false positive rate meaning that ninety eight percent scent of the quote unquote matches it makes our of innocent people oh but why wouldn't they want to do it anyway listen i am police commissioner dick is saying i think it's fine for us to test this we're not making arrests based on it yet and of course it's bad right now because it's new but it won't get better until he tested that's reasonable but it sidesteps the whole thing about should you be doing it at all yeah look this is not something i think whenever anybody wants to put the phrases new emerging technology and the ability to be arrested in the same sentence i think there is a right rightful pause but yeah i what they're doing is the right way to do it to say we're not using it to make arrests but make that clear and and then debate like do we need to be using this at all yet because this this is what i start telling it is it up to the police to be getting this to the point where they should be using it shouldn't be a technology how you make sure arcs for the police have the police tested i think that's reasonable i think having the commissioner say well the public expects us to do this especially at a soccer match or yeah some some place where a lot of people are it's not working well but everyone thinks that we're going to do this anyway so you know have to start somewhere in that's the problem that's all right it's time for me to introduce you to numb tots i'm fascinated by this it's not a food i'm very sorry about that the guardian has a piece about the rising popularity of the facebook group new urban est memes for transit oriented teens or numb tots a post highlighted by the guardian for instance says yeah sex's cool but have you ever fantasized about it infrastructure renewal program funded by taxes of billionaires who hasn't that's the gives.
"ninety eight percent" Discussed on The Win with Heather Havenwood
"And so as you more crowd work more crowd work and finally i said and i was like my heavy hitting jokes once it land ninety eight percent of the time you know and finally like third time where they gave me nothing i said i know that's damn funny joke you guys come along with me or not i don't care i don't care i didn't say it like in a mad way but it was like i was taking a stand for myself like i'm gonna comedy like five years where that time like they were testing me yeah you know if i had needed them they would would they do this really double that was funny and the fact that you guys are with me like okay land come with me or number like that was i know that's funny every thinks it's funny whatever but that broke them and then they came along with me you know it's interesting there's so many nuances like sometimes there's a laugh leader in a crowd right somebody who kind of gives everybody permission to laugh laugh loud in the people can come along with it and never once nobody will be laugh leader and you can tell people wanna laugh and they're like holding it back like people are so repressed and it's in our country to with all like funding but pc but i'll so how so how do you use you do do you still travel with an the circle of universities do you still do that i've done a little bit of that yeah it's it's i've been refocusing but yeah i did kim state like a year ago and montana and yeah it goes into faces so what do you do for because that's a hold of the business because i wanted to highlight of people that just do speaking circuit in university studied so if you wanted to talk about that just like you did do that at one time how did you use comedy they're a great question so i at the time i really you know a comedian you're always like okay where can i make money you know you people talk about the college circuit so i was like i'm gonna i'm gonna go to the college circuits and people like elaine you're going to be up against comedians who've been letterman ten times like you.
"ninety eight percent" Discussed on KFI AM 640
"Across ten or twelve on a british news so is it happening more christian when the dog and the owner are together as opposed to there's like not a dog in a clinic somewhere and you bringing you go into it thinking i could have cancer let this dog tell me you know in its own way or is it primarily the owner of the animal that something's wrong with that person women that you're gonna like this they are detecting breast cancer with a ninety eight percent that's amazing and by the way they just came out with a report about breast cancer for women that in its early stages they don't need chemotherapy thank you george because that's the big point if a dog any oncologists will say to you if we can catch cancer any cancer at its very earliest stage we can eliminate it but we don't find it until its second or third stage and by then it's a crap shoot you know yeah you gotta you're fighting it so in terms of trying to i mean you you you mentioned that the dog has the natural ability but can you also then train a dog to sense this.
"ninety eight percent" Discussed on Opening Arguments
"A little more complicated than than folks are perhaps thinking so so let's unpack all of that let's start out with with plea bargaining ninety eight percent of criminal cases in this country plea bargain right it is a function of our massively expanding prison industrial complex the fact that trials are lengthy and time consuming and i want us to do an episode solely on the mechanics and philosophy and implications of plea bargaining because the you know we have all of these supposed originalists on the supreme court the criminal justice system that we have in this country is something that the founding fathers could not possibly have imagined and they and they couldn't have imagined it for a lot of different reasons right like it they would be shocked by the idea that it takes eight weeks to try a case right at and so you know getting rid of plea bargaining substantially kerr tailing plea bargaining would involve a number of different interlocking facets some which i think our listeners would probably all be behind by you and i've talked about this a great many of our drug offenses should be stricken from the records right like i think we're all in agreement on that but but even getting rid of of those is not going to is not gonna help out in a system where we're now going to have fifty times as many trials right even building more courthouses is not going to help at the end of the day in order to put a real dent into plea bargaining we're going to have to scale back what it means to have a trial and in countries that have the systems that are the least analogous to plea bargaining those systems.
"ninety eight percent" Discussed on KNBR The Sports Leader
"Be a part of that anymore i've always found that the the divisive nature of our politics was always problematic for me as a child i found it to be problematic and certainly as an adult i found it to be incredibly problematic and so i removed myself from that and i think that i really do think a third party is the future in this country i really do think that we all should like drop a lot of judgments when we see the deer the are we mmediately pounce on people and a republican in california's very different from a republican in the south and a republican in the north is different from republican in the west it's all and we get so bogged down on these labels and i look at this republican right here who's given more to this country than probably ninety eight percent of democrats so that's one thing i've learned is that i was judged mental myself and i've really tried to drop is much of that is humanly possible i think some of it's you know obviously we're all human beings but i've i catch myself now a lot because i think that that's a really big problem i'm guilty of that in terms of judging because i'm a democrat so that good lesson for me to hear as well as you're speaking was that one of the hardest parts of being a first lady i could you could find anything negative but i don't really want to dwell on it so.
"ninety eight percent" Discussed on Newsradio 700 WLW
"Thirty five thousand lives annually representing the ninety eight percent of deadly crashes that are blamed on driver error we the auto industry has to convince consumers that the idea of the computer driving your car can be a good thing now that right on the heels of toyota who also quickly suspended their own self driving car tests after the crash the uber crash but he's he says that's not gonna last long the suspension i think we'll be testing again soon the reason we paused was more because we were concerned about the impact it had on our driver's not necessarily our technology in a short period of time toyota we'll be testing once again they set a goal of introducing a system that can partially drive the vehicle by the two thousand twenty summer olympics so i kind of well there will be a bit of a sacrifice there will be some lives lost but for the greater good how many lives might ultimately be saved that that's kind of his sentiment i guess it all depends on if you're the one on the receiving end of being killed by an autonomous vehicle right about nineteen before the hour okay and plenty of room for you it's eight eight eight six zero eightyseven seven eightyfive five here on america's trucking network a year and rock spotlight nineteen seventy four.
"ninety eight percent" Discussed on Monday Morning Podcast
"You know disney should've made a cartoon about you guys not madagascar what was that about so sick of those fucking cartoons about animals that know about global warming and then they teach human beings lesson you know do you realize it like ninety eight percent and i just grabbed that stat right out of my ass reached right in and pull it out ninety eight percent of fuckin animals including the goddamn insects insect and animal i know it ain't human ninety eight percent of those mother fuckers are murderous every day every fucking day when they want to go out and get something to eat they have to commit a murder you know they got to set a trap they gotta ambush do fuck and face to face you ever seen a fucking animal you know be gentleman come up and slap another fucking beast with his glove and say i challenge you challenge you to a meal off i want to eat you know he's piece of shit fucking animals what about me i don't kill anybody i go and eat an animal that's already been murdered i am a compass to murder that's what the fuck i am i don't get on that subject what was i talk about talking about bobby knight some of those stupid fucking animal movies at disney's always making trying to make me cry you know they have some polar bear slide known as belly into a cocaine the same fucking thing that would just be eating me alive.
"ninety eight percent" Discussed on BizTalk Radio
"And that we'd become very comfortable and have accepted a marginal life ourselves where we live day in and day out with disappointment discouragment sadness and frustration happy show saying i mean that's just the way it is ninety eight percent of the world is living in this thing called cadillac energy where you just kind of settle for what it is i actually had a friend who's watching her facebook live last week asandra and she's getting ready to make some big shifts and changes in her world she said her husband came to her recently and said you're not any fun anymore that you know some changes she had made with her business she's always working she's never they never do all the fun things they used to do and she's gotten completely out of balance but being an entrepreneur and building her business these were the things that she thought she had to do had to give up in order to grow her business and i know you see this every day i tell me that statistic again ninety eight percent living in what kind of energy bolic where you know fear revived and we wrap them alive but most people are living in some type of fear whether it's about finances the stability of a job but we learned to to present the world functionality but in our you know mind and in our spirit it where we're worried with fear i think that we look online and we kind of compare cells to what other people are doing and you know that looks so good over there but i don't know do we even believe that there's even any more like this business is good as it gets.
"ninety eight percent" Discussed on Girls Night with Stephanie May Wilson
"Ninety eight percent of them are lonely and feel like they wish they had more girlfriends wherever they are will make it your business even if you're not like an event planner kind or even if you're not the most outgoing like yes i that you're gonna make it your business to make those people not lonely and he will look around and you go oh like i have people to your is just eleven yes hey france i wanted to take a quick pas for my conversation with hanna to think our sponsor for this week we just started having sponsors at our girls nights and i love it because these sponsorships allows to poor personal much more time and energy and love and resources into our grozny i also love them because these sponsors came to us and said hey can we give our listeners discounts and free staff and of course i said yes to that so our sponsor today is an amazing company called zola their wedding company whose reimagined inc the registration and wedding planning process and aims such a fan of them i know that some of the other engage right now or you're dating someone and engagement feels like it's just round the corner and i also know that lots of y'all are bridesmaids inmates of honor these days helping your girlfriend senior sisters in the very best weddings possible and so i love getting shares all with you i love of they're doing because for me one of the most fun parts of the wedding cleaning process was registering for guess how could it not be right but it also is one of the most daunting i remember feeling totally overwhelmed as krone ever registering it was also tricky because we need to things from like a bunch of different places and i didn't want to have twelve different websites for people have to fish there it was just a lot but zola has created a really awesome tool to help the registry process coast so much more smoothly both for you and for your gas so first of all the site is free in super easy to use and it's also really fun they have over 500 brands and over fifty thousand products do you can choose from so they have everything that you'd be able to register for in your local department store but they also have things like wind subscriptions and fitness classes in.
"ninety eight percent" Discussed on KSFO-AM
"See that it's a wide disparity ninety eight percent of democrats but we want we we want these daca recipients to get legalization well what of its tied of the budget which they lose half their support where have really mean when you look at it fifty percent of democrats say no no no way don't tied to anything that i might get from the government they come there are important after i get my stuff so that's why they're l that's why they're losing that particular battle when you actually break down the numbers yeah yeah it's you know it it but it becomes one of these emotional things that a you know again the democrats think they're gonna win which ultimately th they're going to is gonna be a dakha deal done one way or the other that's going to happen and the shutdowns not going the last for long just not what i was ensure when i heard mcconnell speaking you might her other time we're who said we'll get that done this week in that if you get us to continuing resolution will get a dreamer deal done after that's how than but that was in that might have been i heard that yesterday morning which might have been what he said saturday and not late yesterday afternoon is that was the impression that i and again it he didn't give me you know went with you and i was just by some of the audio cuts might not much there dan when you hear him speak it's like i i really can't tell where he's going you know a with that but that's how i sort of god it because he said we'll get the we'll get dacca done this week and even say in the continuing resolution right as a part of a any condition or anything within that uh cr we'll see what what happens because his tone was kind of all over the.
"ninety eight percent" Discussed on WJNT 1180 AM
"See that mansell wide disparity ninety eight percent of democrats but we want we we want these daca recipients to get legalization well what of it's tied to the budget which they lose half their support have really mean when you look at it fifty percent of democrats saved no no no way don't tied to anything that i might get from the government they come are important after i get my stuff so that's why they're l that's why they're losing that particular battle when you actually breakdown the numbers yeah yeah it's you know it it what it becomes one of these emotional things that a you know again the democrats think they're gonna win which ultimately the they're going to it is gonna be a dakha deal gone one way or the other that's going to happen and the shutdowns knock on the last for long just not what i was ensure when i heard mcconnell speaking you might hurt other time were who said we'll get that done this week uh that if you get us to continuing resolution will get a dreamer deal done after that's how the end but that was in that might have been i heard that yesterday morning which might have been what he's said saturday and not late yesterday afternoon because that was the impression that i it again it he didn't give me you know when to have you and i was just playing some of the audio cut might not much there yeah when you hear him speak it's like i i really can't tell where he's going you know a with that but that's how i sort of god it because he said we'll get the we'll get dacca done this week and even say in the continuing resolution right as a part of a any condition or anything within that uh cr we'll see what what happens because his tone was kind of all over.
"ninety eight percent" Discussed on BizTalk Radio
"Group dot com if you're looking for any financial information other than what you get on the show and it's said it's nice to hear from people how they enjoy the information gary good morning on what is quantum robotic on ninety eight percent celebration morning for me elbow deal yeah absolutely i voted morning to the first when they say that and yeah it's virtually a lock that the bill will get passed in uh in the house this morning uh and once it's passed in the house i i believe president trump signed it um sometimes later today and it'll be law uh going into affect uh first of the year and and that should be good for corporations boot for individuals uh they'll i will say that this legislation 1100 pages uh it's a rush on cash if if you are opposed to tax cuts opposed to a republican victory in the partisanship that we seek then you're gonna find a lot of negative things that you can factually site if you are uh a deficit hawk first and foremost most you're gonna find some things that you don't like if you are a pro growth and small government advocate you're gonna find a lot of things that you really like so it all depends on your perspective what what you're gonna see in this past still but was 1100 pages you can find anything you want to support your argument whatever it is i mean i think you just made a key stable you can find what you want to support your argument but i also like there is eighty this propaganda battle against trump and the republicans who passed the bill i don't think it holds water when you look up and down here first of all uh any of the of the silent since time and i don't wanna make this clinical so let me just thought saying there is a large percentage of people who are talking about the increase in the deficit and um it turns out to be a one point five trillion dollar tax cod but to me as just an ordinary guy it certainly makes sense that if you cut corporate rates from thirty five to twenty one percent you cut taxes for most americans i think eighty percent probably uh that is going to generate growth there's going to be hiring corporate profits will reinvade they'll be reinvested you'll be getting more and more work is.
"ninety eight percent" Discussed on KKOB 770 AM
"You enough dan there looking everywhere you're enjoying the event a cop is lucky and third no relaxation there a lot of things that you give up you give up your sensitivity you give up the debt sensitive it he i you now after twenty year getting it back where uh i i'm getting healing back that i should out that your lou um because you have decal you have your your job you have get complacent and there's so many paying it that blue lying can't or and it saddens me that i hearing all of the negative gave it and when i was in we did um rachel profile we're brought him to watch commanders off and he did you guys were polling over too many hispanic and we looked out of all he kicked well our rural area is ninety eight percent hispanic we don't pull over a geico at night knowing that their hispanic it or polling over violation ed just happy to be ninety eight percent hispanic in the area so most built the black lives matter are in black areas um you can go to white area community and there's very you black crying in white area both of a black right and i and i don't want to racial profile but but it's the truth note book black cry isn't in black areas well i mean again our first of all thank for the service yards wiped with my own soninlaw you know will uh you know we'll get together um you know he's got a pretty good schedule albert you know we'll get together and he leaves work he wants to come home um you know help make the cupcakes further two year old's birthday and put the dog up in the kennel in the back in you know until he has to get up the next morning um you know kiss of rebutted goodbye grab the dog from the kennel put it in a truck him you know off that go but you know nobody nobody signs up um to be brutalised order be ambush or anything else they are they're doing a job that quite honestly a lotta people couldn't do or didn't wouldn't wanna do and uh you know he.
"ninety eight percent" Discussed on KKAT
"Geico you dan there looking everywhere you're enjoying the event a cop is lucky and a third no relaxation miracle lot of thing that you gave up you give up your sensitivity you give up tapie i you're now you're twenty year hitting back where i i'm getting healing back that i should out that your lou you have cow you have your job you have get complacent and there's so many paying lip that blue lying can't or and it saddens me that i hearing all of the negative gave it and when i would in week it um rachel profile and we're brought him to watch manders off and he did you guys were pulling over humidity hit panic and we looked at it will hear it well our rural area is ninety eight percent hispanic we don't pull over a geico at night knowing that their hispanic it it polling over violate happy to be ninety eight percent hispanic in the area so most built the black lives matter are in black areas you can go to white area community and there's very you black quarry in white area both the book black right and i and i don't want to racial profile but but it's the truth note look black crying isn't in black areas well i mean again our first of all thank for the service but now it's like with my own soninlaw you know will love you know we'll get together um you know he's got a pretty good schedule now you know we'll get together and he leaves work he wants to come home you know help make the cupcakes further two year old's birthday and put the dog up in the kennel in the back you know until he has to get up the next morning you know kiss of robotic goodbye grabbed the dog from the kennel put it in a truck attracting you know off they go but you know.