35 Burst results for "One Home"
Scherzer Ks 10 in debut, Dodgers hit 4 HRs to beat Astros
"It was a night to remember for Dodger pitcher Max Scherzer in his first game with his new team Scherzer struck out ten in seven innings while allowing only two runs in L. A.'s seven five win over the Astros to go out there and pitch well and inferred to have the fans as for curtain call for me that that that's I've never had that happen so that that's really a cool moment some on their forget LA connected for four home runs off Houston starter Jake order receipt Mookie Betts homered twice shares are improved to nine and four or originally gave up all seven runs and is now foreign six mark Myers Los Angeles
Is "DeFi" the Future of Finance?
"Hard to say exactly what will happen. But you know defy did exist before this bull market and there were great yield to be had there too. There's different places that yields come from and we'll break those down but some of them lend themselves to bull markets some of them might lend themselves to bear markets. How about we take maybe. An example of an average passive crypto investor in our audience will make a character call them defied devon and defy. Devon's curious about defy. But he hasn't pursued it. So defy devon has a base account and he has ten thousand twenty thousand dollars worth of bitcoin. Whatever number works easy for our math. We'll just toss it into his coin based account was like walk into the process of getting into the world of defy understanding what it is what the risks are what the opportunities are and how to go to work making passive or somewhat active investments and getting yield returns on that crypto coins. The entire defy landscape can of break down into two different opportunities. The first one is this idea of like staking your assets somewhere or loaning them someone and the other one is borrowing against your assets and investing the money that you borrow pretty much. Everything falls into those to defy devon. Who's just got a coin accounting. Some bitcoin he's going to probably use a little steppingstone. Which is he's gonna use see. Five before he goes defy and see is centralized finance versus defy. which is decentralized finance. And essentially there's these companies like you may have heard of block by neck so is another big one and these are sort of like these banks inbetween crypto and defy and they will do defy the for you and they will pay you. A percentage of the yield. So they're like the coin base of defy essentially. Yeah they are. I mean they're banks. It's the same model that a bank has always had right. You stick your money in a bank account the bank without telling you goes out and loans it out to people invested in stuff and they give you the bank. Is you a half of a percent. Maybe on a good year. But in defy land the sea fi companies are paying eight percent on stable coins somewhere around five to six percent on things like bitcoin.
Tokyo Logs Record 5,042 Cases as Infections Surge Amid Games
"Take care has reported a continuing sense of cases reaching over five thousand new infections in one day this record number of cases since the pandemic began it's a sign that the virus is not easing in the Japanese capital which is currently hosting the Olympics nationwide Japan reported more than fourteen thousand cases in one day take care has been under a state of emergency since mid July but the measures are increasingly ignored by the public which has become tired of restrictions I'm Karen Thomas
Isaac Baron Shows There's A Different Way To Play Top Pair
"Heads up okay. Here we go second of three hundred and eighteen k. i is four twelve. Isaac baron is a known entity here the red baron. Yeah he's got six and a half million live career winnings and that doesn't include his online stuff what she's known as an online player that's where he came from. Yeah so he's he's always been kind of a big deal. Yeah red haired crimson leashed leashed. He's leashed unleashed isaac parrot. Everyone calls him that on a pokka. Fives with smells. Barron is in. The hand is against bruno volkmann who is not as accomplished but has about a million in live earnings and probably some online stuff too. I would guess yeah. That's about all right. So volkmann is the effective stack has got seven point. Three million at the one hundred and forty k. Blind level so. We're pretty deep here where we're at fifty bucks effective cool. He's gonna open the action from the small blind slash button with seven eight off. He's going to make it three hundred and twenty two k. Isaac baron has twelve point eight million in the big blind so approaching. A hundred bigs nice deck. He's got ace of spades nine of diamonds. What's your strategy with as is based diamonds in this. But at this stacked up. I mostly want to call. Yeah protect your range. Protect my range. I can't wait to fold this. Yeah it sucks then. I'm like turn evaluate hand into a bluff. Hate that you have to have some hands that you're okay without question no question but like we with worse aces if i wanted to. We can do that with kings honestly like king nine king eight those meetings we could do it with to those also play very well as a call triple. We want to have some course three. Yeah also by three. I think i mostly want to be a little bit more suited than not if i could pick just gives me more options. I would like all of my hands to be more suited on that. Yeah i'm just saying if. I like if i'm going to pick stuff like that because then i have more more opportunities to barrel profitably later on
The Creation Story of THRV With Founder & CEO Jay Haynes
"Jj haines has always been interested in tech just like his dad in nineteen seventy nine. His dad bought and brought home an apple two plus though he was using it for his business to do spreadsheets. Jay began writing code so he could play video games for free riding his games and basic. It's worth noting that this was back when you had to pay a quarter to play video game. His dad was a navy pilot and hobbyists sailplane flyer which j. flu as well even to thirty thousand feet in the air as he says he got grounded as soon as he got married and had four kids early in his career. J. got into finance and quickly became familiar with using debt to get equity returns however he was always interested in the core innovation of why customers buy new products and why they switch throughout his career his time at microsoft schooling start obliged etc. He found out that no one really had the secret sauce innovation. He started evaluating new ways to do it and came across the jobs to be done theory which became the foundation to what he's built. Today this is the creation story of thrive at thrive we build enterprise product management software for product teams are software is built from the ground up around methodology known as jobs to be done and jobs we don in its very simplest form. Is the idea that your customers are actually not buying your products. What they're doing is hiring it to get a job done. If you're on a product team and you want to create a product strategy and a product roadmap that is going to be successful. meaning it's going to generate more customers and it's gonna get customers to switch from your competitors to your product to build that kind of product strategy you should think about your markets in terms of the job. Then you're costumer is hiring your product to do rather than just your product in your features. We mentioned music before. Because i view on eight tracks cassettes cds. What's interesting about that. Market is a great example. Job done so the job. There is to create a mood with music. That's what we're doing whether you're using a record seedier streaming service or string quartet you're trying to create a mood with music and that job is the same. It's never gonna change. So the power of the method behind our software is it gives teams stable target to aim at and try and
Race Walking 101 With U.S. Olympic Trials 20K Race Walk Champion Robyn Stevens
"I'd love to do a little race walking one. Oh one with you. Because i think there are a lot of Pretty widely misunderstood. I think a lot of people look at race walking. No it's just fast walking or it's slow running and it's neither of those You are doing you know. You mentioned coming in for the twenty k. Around one thirty five. That's a seven forty per mile pace. That is faster than i run. Most days it's faster than a lot of people run. it's also. There's a lot of technique required. It's not just walking faster So i would love if you could do some like race walking one. oh one what. Don't people understand about your sport. Well i definitely know the difference between running and walking. Because i was a runner and i was a dancer. So there's there's there's significant differences so it's definitely not a slow run for some training days my job my cool so my coach will call it the Whenever he puts down like to cater genitive regenerative means jog So that's the time that i get to break form jog. And sometimes my job is slower than my than my cooled. Race walk Which is pretty interesting to me. Amusing me just from given my background with my running and stuff but the biggest Perception is just I mean we do have a technique that we have to follow. There's two rules You have to land with the straight Knee and then that has to stay Straight until it passes underneath the hip and then you know always have to have one foot on the ground at all times by the judges. I and that's what a lot of people don't understand is they might see might slow down videos or they might see pictures where they see you like both feet to slightly off the ground especially in the fast races like if you watch melrose or if you watch us in like three k. Or or when we are going quite a bit faster during our twenty ks at you know going at six thirty. Six forty pays or Seven forty seven thirty pacer faster At its but the knicks. Actually better but this question. Because he'll he'll have like the exact point whatever it is but there's a certain amount that the i can't see and so that's why it's by the judges
Raise Your Vibration with Author Kyle Gray
"If you will change your mind concerning anything and absolutely keep it changed. That thing must unreal. Change to 'em at fox you are the creates our of your world everything you think feel. An express is literally moving into the universe and creating the path before you thought is like a ripple when you draw a pebble into the water it moves away from your creating movements and changes in the field surrounding year. Your thoughts are creating waves in your life just as a ripple moves on the tight and comes back in a wave so your thoughts come back to you for that reason. He wants to just thoughts. That are working for you. Not against her. We know that our thoughts thought expressions over feelings and we know that when we think about something we love. We feel good on the insight. We also know what it's like to be plagued by something in our past. If we continue to think about it we can be led into a state of deep despair. Raising your vibes includes replacing the old thoughts you have about yourself and your life with better ones. I'm doing you change your thoughts. You change your world. I i heard about changing your thoughts through louise hay. She was one of the first spiritual authors. I read. I'm die instantly. Fell in love with her in her life changing work. Louise helps us realize that we are literally writing our own story. We can choose to think loving by our life are we can choose to be stuck in fear era choice but we know that one is going to be better than the other.
TEST 3 Been able to do without those three minds coming together and solving a problem <Advertisement>
"Been able to do without those three minds coming together and solving a problem is one rather than solving it in isolation and jit New Jersey Institute of Technology Learn MORE AT N J I t dot e d u Broadcasting 24 hours a day at Bloomberg Com on the Bloomberg business APP and at Bloomberg Quick Take This is Bloomberg Radio. This is Bloomberg. Daybreak Europe. We expect economic activity to accelerate in the second half of this year, you could probably waiting until the autumn for a potential first adjustment. The national approach has been working when it comes to restrictions, the warning that there can't be a national recovery without a London recovery. This relationship between the US and the UK it's
TEST 2 Been able to do without those three minds coming together and solving a problem <Advertisement>
"Been able to do without those three minds coming together and solving a problem is one rather than solving it in isolation and jit New Jersey Institute of Technology Learn MORE AT N J I t dot e d u Broadcasting 24 hours a day at Bloomberg Com on the Bloomberg business APP and at Bloomberg Quick Take This is Bloomberg Radio. This is Bloomberg. Daybreak Europe. We expect economic activity to accelerate in the second half of this year, you could probably waiting until the autumn for a potential first adjustment. The national approach has been working when it comes to restrictions, the warning that there can't be a national recovery without a London recovery. This relationship between the US and the UK it's strong. It's got very, very deep roots. It'll stay strong. Bloomberg Daybreak Europe on Bloomberg Radio. Good morning from London. I'm Ana Edwards. And I'm Roger hearing in your listening to Daybreak. Europe live on London Digital radio, and we checked the markets for you every 15 minutes here on Bloomberg radio. So let's get straight to that, Shall we? European equity markets, then Roger up by 3/10 of 1%. Not so for the London market fairly flat, actually in London, but elsewhere. We're making some better gains on the major markets to the cat around up by 4/10 of a percent. This after tax up by an eight the first email also up by 2/10 of a percent, and, in fact, the IBEX now joining the footsie and being a little lackluster today, down by 1/10 of a percent over in Madrid, US futures point to something flats are positive up by around an 8% on E Minis, Dow futures and NASDAQ futures pointing higher by around 1/10 of a percent. The S E. Asia Pacific index entirely flat are not giving us a great deal of of momentum as we move into the European session but actually allowing the European session to reflect on to Sort of converging and divergent forces that we have driving things right now. On the one hand, there's a concern around clamp down on so called vice stocks in China that's weighing on the Hong Kong market. There's also concern about the spread of the delta variance in China, and we know the reaction function that that then could prompt from Chinese authorities. So there's concern about growth in China. All of that sounds pretty negative, but that rubs up against what's been a fairly solid earnings season. Four European corporate in a number of European companies upgrading their guidance. And even those in the sectors where they're concerned around Chip supply shortage the messages that they want to be able to produce more so there's a lot of positive narratives coming out of the earnings season. And that seems to be taking the limelight so European equity markets edging higher this morning at the oil price, recovering a little bit from some of its earlier weakness. 70 44 is where we trade on brands up 1/10 of a percent. The U. S 10 year yield. It was down as low as 1.13%, then moved a little higher on some comments that were perceived as a little more hawkish from Clara during the feds were 1 18 on the 10 year yield. Right now, the dollar flat to negative so down by around 10 per cent on the Dollar Index and the Bloomberg Dollar Index the pound little stronger on Bank of England today, Roger Well, speaking of the Bank of England, it is decision day today, and one question will be course which central banks going to be the first to the Taper Trigger? Will Bank of England policymakers seem likely to favour patients? Michael Saunders is set to be perhaps alone dissenting voice. They're calling for an immediate end to the bond buying program. Let's bring ourselves Up to speed because we can go straight to the bank outside the bank. In fact, Bloomberg's UK economy reporter Lizzie Burton joins us now, Lizzie Good morning and thanks for being with us. What are we expecting from the Bank of England today? The drugs are set to dominate. Today. We're expecting a unanimous vote to keep interest rates on hold at North 0.1% and I'm bond buying a 71 split with Michael Saunders. This time, as you say the sole dissenter in favor of ending stimulus early he'll take the hawkish man told that Chief
Batyrgaziev Beats Ragan for Boxing Gold
"It was an up and down Thursday morning for team USA's track team in one of the biggest upsets of the Olympics Jamaica's handle parchment won the men's hundred and ten meter hurdles nearly clipping the heavy favorite American grant Holloway who are in the silver the experience showed you know what the old man to my left here but he had a he had amazing race plan he executed a best of his ability he got me this time but I make sure I get in that team while the men's four by one hundred relays also favorites to win gold failed to qualify for the finals after a poor baton exchange led to a sixth place finish in their qualifying heat just two one hundredths of a second behind Ghana which earned the last spot in the final the USA women's team came away smiling finishing second in their qualifying heat they'll race for a medal on Friday I'm Danny cap
White House Defends Legality of New 60-Day Eviction Ban
"Sheltered Account. There's a new eviction moratorium in place, but how is it different from the one the Supreme Court struck down a B C's Elizabeth shows is in Washington. The White House is trying to make the case. The new federal moratorium on evictions is different than the old ones, saying that could help it stand up in court press secretary Jen Psaki it was a more limited moratorium that was going to be impacting helping areas that were hardest hit. By covid so different than the last moratorium. But Psaki added, the courts could still strike down this moratorium, making the need to get out rental assistance who
How to Use Fear to Your Advantage at the Poker Table
"At hyper. Speeds is what kept us alive knowing that the tiger was there and sensing that and then running away much faster than usual or fighting off some other animal who was attacking her child. Those were the things that kept the species going before we had all this technology and we developed much easier ways to live and so the programming. These days is very much the same as it was one million years ago we are wired to always seek out and look for what's wrong. It's why quite often when you're having a really good session you might start to think. Oh i wonder when. I'm going to start running back or maybe i should go ahead and lock up the win because you're programming your evolution as a human being is looking for the possible dangers. That could take away the fruit. The money that you have collected so far in the session so one thing to know about fear is that you can't make it go away. If anybody tells you that they can make your fear completely go away. They're lying to you. It's not possible because it's wired so deeply into who you are as a person that that's just never going to be a thing now what you can do though as you can learn how to be okay with it. Accept it for what it is recognized that it's happening and then do things that will allow you to relax more completely into the moment knowing that it's just fear. It's just my physiological body response to something that i'm experiencing around what could possibly go wrong. And so once you get more friendly once you start to accept that into play with fear as something. That is a part of you rather than as the enemy that you need to get away from. Now you're creating a system now you're creating a structure where you can go with it. You can move through it. You stop resisting and you make fear. Be something that you can actually use to your advantage so what you can do eventually is get to a point where you can bring enough presence acceptance and self love to your own experience of fear and how your body and your nervous system are taking care of you when you can create that structure of really accepting that this is an essential part of you will now. You can take that energy you can get on top of almost like a surfer riding a wave and you can channel that energy into even higher levels of awareness higher levels of performance than you. Otherwise would without that energy without that fear and the key is recognizing that it's there because the worst thing that can happen to you at the poker tables for you to be scared free to be experiencing fear and have no idea that that's what's happening. That's when you start to make those bad bluffs. That's when you start to get to pass it. That's when you start to go into all of your old patterns and you have no idea that it's all triggered by the fear but once you can become a person who recognizes instantly. That fear is part of the equation is part of your experience right now. You can work with that. You can work around it. You can start to do things to bring presence in connection to go with the fear and make your way through the game and navigate really cleanly so those of you who resist emotion. Those of you who resist that feeling. Fear is a part of your natural process. You're always going to keep bumping up against this issue. You're always going to keep going into your patterns and not knowing it until later when you look back and say oh man wish. I hadn't done that. Oh i can see now. That i was scared. So the skill that you're going to need to learn if you wanna be somebody who is very high level in terms of your ability to perform under the highest amounts of stress is simply recognizing that you're scared
Dr. Neal Barnard: The Effect of a Plant-Based Diet on COVID-19
"Barr. Thank you so very much for being here. Jeff these are some really interesting studies and it kind of goes back to what it is that we've been talking about throughout this pandemic and and that is the healthier. You are the less at risk you seem to be. So if you wouldn't mind can you talk to us a little bit about these two studies and what it is. Researchers have discovered yeah. Let me preface this really by saying we've kind of suspect. The diet ought to be a big actor here because when people are overweight when you of diabetes hypertension particularly when these things are really out of control. Kobe just becomes so serious and often fatal but when people have these things under better control they do better. That suggests that if your diet is really good these conditions are going to be better but the question really was well. What if you actually are following a mostly plant-based diet will that help you and the answer seems to yes The first of these studies was involving. Healthcare workers were healthcare workers in six different countries. They tracked they ate and they rated them for more plant based or based or less plant based in other words. If you were less plant based at your eating chicken fish beef and cheese and kinda neglecting your vegetables and fruits and then if you were more plant based at mentor vegan or closer to it and the people who are more plant-based had a seventy three percent reduced risk of severe cove. It but i got to tell you the flip side of this was they looked to people who were doing kito or low carb diets and they did substantially worse a forty eight percent increased risk of severe. So don't go there.
Subconscious Mind Power Explained
"Subconscious. Mind power explained by brian. Tracy of brian tracy dot com. The power of your subconscious mind goes further than you might think no pun intended. I'm sure you'll agree with me. When i say our brains are extremely complicated however you might be surprised by how much control we have over. Its programming before it gets that. Was i take a moment to consider the fact that you're subconscious mind. It's like a huge memory. Bank miss capacity virtually unlimited and permanently stores. Everything that ever happens to you. By the time you reached the age of twenty one you've already permanently stored more than one hundred times. The contents of the entire encyclopedia britannica under hypnosis. Older people can often remember with perfect clarity events from fifty years before your unconscious memory is virtually perfect. Is your conscious recall that a suspect. The function of your subconscious mind is to store and retrieve data. Its job is to ensure that you respond exactly the way you are programmed. His subconscious mind makes everything you say and do fit a pattern consistent with yourself concepts your master program. This is why repeating positive affirmations are so effective. You can actually reprogram your own thought patterns by slipping in positive and success oriented sound bites. This is why motivational activities. Such as reading inspirational quotes are so impactful for people committed to positive thinking by focusing your thoughts on uplifting ideas your subconscious will begin to implement a positive pattern in your way of thinking and your outlook on life. Your subconscious mind is subjective. It does not think or reason independently may merely obeys the commands it receives from your conscious mind just as your conscious mind can be thought of as the gardner planting seeds your subconscious mind can be thought of as the garden or fertile soil in which the seeds germinating grow is another reason. Why harnessing the power of positive thinking is important to the foundation of your entire thought. Process your conscious mind commands and your subconscious mind obeys
How Team Retreats, Even Virtual Ones, Can Build A Strong Work Culture
"Now. Building strong culture in your business is huge. Because this will allow you to motivate your team members. Even when you're not washing those people will go to work every day. Working hard for your business. That doesn't happen by accident. The happens by design. You have to actually build that culture you have to instill the culture and it takes a lot of time a lot of work one of the things. That speeds up that process that reinforces. It makes a super strong. It's kind of like a booster shot is a team retreat because you're spending a condensed amount of time with people doing a lot of activities stepping out of your normal work routine doing things for fun doing things to get to know each other. You build bonds you built connections and that culture becomes even stronger and stronger and it happens very quickly. This is what. I love team retreats. Now this is incredibly powerful in person. But it doesn't mean just because you can't do it in person. You shouldn't do it at all and this is the conclusion we came up with. We went on a virtual tree because we know. A virtual tree is better than no retreat. It's not the same we know. We're not as some exotic location. You know sipping cocktails in front of a beautiful pool. You know doing fun activities in person whether that's atv being or bike riding in a rice patty whatever it is all that stuff sounds amazingly fun and doing it over a video call is just not the same i get it but even if i get fifty percent of the results i get from a in person or tree. That fifty percent of the result is better than zero percent. This is really drove nicole night to say. Let's do a virtual tree now. What does that even look like. So you can't just treat your virtual treats like a real life in prison retreat because it's just not the same so what we're doing is we're actually just running a retreat week and we're not doing the retreat the whole week. We're actually going to carve out a couple of sessions every day three days a week. It's going to be retrea week and we're going to take time off our busy schedule. Everybody in the company for few days that we to do this retreat. Do these retrea activities which are fun which are team building which will also be informative where we'll talk about the future of the company and what's coming down the line but also have a lot of fun doing team building activities having dinners having parties getting to know each other and because we're we're growing team there are new team members at join all the time and we need to get to know them. We got some old hands on our team and they're great but they need to get in on the new peoples
U.S. Releases List of 2019 Gifts to Government Officials
"Wednesday the us state department dropped their twenty nineteen list of high value gifts from foreign governments and it reads like monopoly man's estate sale. Which by the way should be happening anytime. Now he was seventy in one thousand nine forty when we met him. So keep an eye out for that estate sale but either four columns in this ninety two page document which indicate in the first call Who the gift was to gift date. And the date of acceptance the estimated value the current disposition relocation who was from and the reason that the gift was accepted right. Which pretty much on all of them. The acceptance was non-acceptance would cause embarrassment to the donor and the us government right right. And then then you can't take it unless you buy it like exports. That's better than we're in cahoots right or you can give it away which is like What most most folks do in the government right so The list was mostly gifts to to trump Some to to his underlying The guy was asking me pence somebody the kushner's etc pretty much. All of them were the vice. I mean come on anyway the list. This was mostly give to trump and stuff like ceramic dragon head from the president of the socialist republic. Vietnam i want to look into that. That was fifteen fifteen hundred ninety dollars. A brazilian hardwood bench carved to resemble a jaguar from higher bolsonaro. It's pretty cool. Levin hundred bucks a brown leather bound book of hebrew songs from netanyahu for five hundred a painting of donald trump himself to donald trump himself on a dual paying glass surface from also from vietnam. Fifty two hours mart gift. Yes mark gift right. I mean favors gift. But it's on the glass. It sound sick. Like if you're going to give someone a painting themselves it's gotta be
Wuhan, China Is in Lockdown Again as COVID-19 Cases Surge
"Wuhan. China has been locked down again as China experiences its worst covid outbreak since the start of the pandemic a year and a half ago in Wuhan, the central city where the first cases of covid 19 will identified in late 2019, mass. Testing has shown some of its newly reported cases are being caused by the highly transmissible delta variant. First identified in India, the city has ordered residential communities sealed, preventing people from leaving their homes. In a subsequent order, officials say, no one whether tourist or resident
Government Forecasters: Hurricane Season to Be Busier Than First Thought
"Forecasters say the Atlantic hurricane season it's looking slightly busier. And they first thought forecasters at the National Oceanic and Atmospheric Administration now expect 15 to 21 named storms with 7 to 10 of them developing into hurricanes. Season got off to a busy start, with also forming in July, the earliest named fifth Storm on record. The lead forecaster at Noaa's Climate Prediction. Center Matthew Rosenkranz says windstorms developed in the eastern Caribbean in June or July, as Elsa did. It tends to be a busy season. Since Elsa. However, the tropics have been mostly silent. Still, we're not yet at the peak of the season. That's mid August to mid October. I'm
"one home" Discussed on The Dave Ramsey Show
"Here on the air. This is the dave ramsey show in the lobby of ramsey solutions on that debt free stage. Roger is with us. Hey roger welcome to the show. I had to. How are you better than i deserve. Good to have you. Where do you live san francisco. Oh wow a trip over to tennessee. But i definitely have to come out in china. These fresh cookies that you mentioned on the show. Well they're they are pretty good bait. They will lure in lots of people. I've noticed so so you're here to do a debt free scream. How much have you paid off. Fifty one thousand dollars in a fifty one thousand nine ninety two And how long do you take. You take me sixteen months sixteen much way to go and your range of income during that time about seventy six thousand and ninety three thousand very good we do for a living. I'm in health. Health and safety consultant for a workers. Compensation company very good. Okay so what kind of debt was the fifty one thousand our. Yes i had about. Six thousand dollars left on my car about seventy five hundred from a debt consolidation from previous credit cards and then the rest of it actually was all spread amongst like five other different credit cards. So one of the main reasons why. I wanted to come up here and do this debt. Free scream is because. I didn't really find a lot of other people that didn't have that weren't working to pay off debt. That wasn't any student loan. So i felt a little bit embarrassed that a lot of that wasn't student loan because everyone else i've heard had it but i was just a really bad consumer but it's great to finally own up to it and you know finally have it all paid off a love it. This is the completion of the healing. Love it well. congratulations sir. How old are you roger. Thirty three years old man. What was the hardest thing throughout this process for me. The hardest thing was just saying no so many of my friends just wanted to keep enabling me and just not kind of personalize to say no man so that was just the biggest part and then really. The other second part being was a religious trying to build up momentum and i'm sticking to the budget i think was the really difficult part. What happened that caused you to decide to do this. What was the process Yeah so i basically had my. I've had it moment. And so being in san francisco actually had the opportunity to interview for something in los angeles. At this point my finances had kind of caught up to me. And i was kind of starting to feel the weight of it and so instead of showing out for a flight i decided to take a bus and then i said that i would rent a car to go to the job interview. Come back and then take the bus back home. So i took the bus. I got to the rental car. But i noticed that in my wallet. I only had the credit card that i had already maxed out and so i'm going to credit card company. I knew that they weren't going to accept that credit card. Because it's maxed out and so when i got there I told him that. I didn't have any credit card or or any money in like a debit card to possibly do the rental and then and then you know they swipe in has denied and so. I was kind of in a pinch so luckily my uber. Apps still had my other credit card. That wasn't maxed out saved on their able to do the job interview and then come back but I was just so embarrassed. And i felt like i needed to do a change so that night when i got back i added up everything and i found out just how much actual consumer debt i had and i was really scared. And so you know. Had google searched debt consolidation. And you know how to get out of debt. And obviously you dave ramsey shows up and so that's how i started that journey six months ago. Good for you. Well done well done. Yeah there's There's a lot of emotions that are gross. Embarrassment might be one of the most groceries I can't stand. I can't especially when it's my fault That's just awful. Yeah and i've been right exactly in the situation where you got you know card denied and you can't you can't move around you're stuck and man that broke feeling and so i. I was traveling a little while back. And we're staying really nice resort and i walk up the counter and i. My card had apparently hit the algorithm and my debit card had hit the algorithm for fraud. And so the bank had shut it down unbeknownst to me so i go up there and i can't check into this hotel now. I've got plenty of money. But that but that activated these emotions down inside remember. When i was going be when i was broke and you know in the embarrassment of not being able to do that and man i got so mad go. Yeah and all those old emotions from from being broken being embarrassed down inside of me and i had. I had to call the banker back and apologize after. I called her the first time so about my dad. Gum card getting cut off for no reason and they leave me stranded out here so yeah. It's the same thing that that will get you going and you had. You definitely had a never again moment. definitely yeah very cool so you you found us on going on. I'm struggling dave. You're from okay. Thank you day so you want to all this embarrassment e you paid off all this dead. How do you feel now. I'm just so curious about that. Like you have a lot of energy on stage right now. So i'm like how do you feel west next for this young man you know. It's still a very surreal feeling. You know it's it's really weird. Like i think one of the things that gets to me. Sometimes i'll hop in my car start driving to work. And then i just think lake. I actually own this whole car. It's hard for me to embrace. that idea. you know like this whole thing is the reason why i have a positive net worth right now. I knowing that the bank is going to be asking me for more money being upside down or something like that but then also the other thing is. It's very what you guys mentioned. Is that feels. Like i have a raise now because now that i've learned to budget now know how to plan for my money i i'm not rich. Obviously but i definitely feel like there's a lot more than i can afford now and i know they davies. Say it right now. You're better than you deserve right now. I feel like. I can afford what i deserve now. And so that's really like how it feels right now. It's a sense power. That's very good. Good for you statement. We made me still ford. What i deserve i like that. Yeah and then. If you can't afford it you don deserve it. Definitely good man. Well done well done. Show the car. Credit cards are all cut up We ever go back in debt. Oh no it was great. Because i played this whole trip live on with my debit card. Also made sure to go dollar to get my my car rental. And i did it with debit.
"one home" Discussed on The Dave Ramsey Show
"The law. financial peace university. Sushi started the clash. Transmission goes out. I mean it's just the way it is. Yeah i'm sorry. Well so the question is what's the house that you're thinking about selling worth about three hundred and twenty five thousand. Okay and what do you owe on it. A hundred and twenty seven thousand statue So we are We have twenty thousand dollars. We owe on our track and twenty six thousand dollars. We go on our tractor so on the sentence. Yeah since november. First we've so far. We paid off fifteen thousand dollars that was in Credit card debt. 'cause the three hundred fifty thousand dollar old house where stuff's breaking all of this discussion aside if you just put that house in your mind and you go ten years from now. Is the ten year now from now. kelly happy with the current kelly for keeping that house. I don't know how it was. It was my husband. And i got it I have a lot of emotional attachment to it. What i asked is ten years from now. Are you going to be really feeling wise. Smart happy because you kept this house. If we stay on track yes probably keep it. Just work your way through okay. But i mean. I've i've owned things that i look out into the future me and i'm going. The future me thinks the current stupid. If i don't get rid of this thing you know. I mean you can kind of look at it and think that right and that might not be true on this house and it sounds like it's not so that's cool but i mean i look at some of the stuff and i'm going to catch going to throw that away. Why have i been storing that for two years. You know that just needs to leave. I need to have a minimalist moment. Here and start cleaning out crap. Because i just pack rats in our lives and you can do that with big items and you knew that with investments and all kinds of things you just go just because you've got it doesn't mean you have to keep it. I agree look into the future and go but it sounds like the future us happy with you for keeping it. I'm fine with that too. That's an okay answer then you would keep it and you would go forward now. They sounds like she's happy. Keeping it because of the emotional tie not because of the financial investment. I think she's really tied to this. House emotionally okay. Well that would be a mistake. Then if that's the only reason. But i'm guessing to that it's probably i mean two thousand dollar house. It's not it's not about not.
"one home" Discussed on The Dave Ramsey Show
"Three seven eighty nine and we'll help you connect up with an agent. You know that's really what we should tell that young lady from provo. We should have that. She could get with an agent who had helped her navigate that market instead of just bouncing around on websites zillow and everything else trying to figure out what's going on and then declaring the trailer homes or the only thing under two fifty A good agent can help her navigate. That and go. Yeah but there are these little neighborhood over here and there you can move out there and you go ten miles that way and they know the nuances of the market and can help move you in and out of those and that makes a big difference if you're going to buy a property and you've been through this a couple of times bought lottery estate over the years but You know. I'm looking at a property right now vacation home situation and what i did what i've done is i have actually. I'm such a nerd. I enjoy the research. And so i go to every neighborhood look at every house. Start looking at the square. Footage is start looking at what drives prices in those areas. The square foot price look at the features. And what is it that in that in that market. What's different and what's new and and just learn the way people think when they're doing that market because that's what drives prices. Yes and then you start to figure out okay. Well they're paying for prestige in that neighborhood. Okay okay and that neighborhood. They're paying for the access to the beach and that neighborhood they're paying you know and you can see what's the different things are moving around in the market and you begin but all that comes from options and options and studying and studying in studying in studying so you don't look at three houses and buy a house go on three dates and get married right so you need to go and look at some property mini and not just online. Because i got to tell you man. These people taking pictures are really good with their picture taking. And when you get there you're going. What is this the same house. Now yeah and you gotta be kidding me how that backyard shrink that much and so you know that camera angle carl. Now yeah so. It's just like that girl is not that pretty day. That's a good one right there that you just get in there and you go visit the properties and begin to get you start to figure out what's driving the pricing the location. The traffic the school. What is it this. What's what's the what's the big draw. That's that's making this property okay. Well what if i move you know. Twenty five percent off bat off of that issue and i move over here. Well maybe schools are important to you. Maybe you're retired. You know my shitsu does not need to go to school. So i'm pretty good on school systems. I couldn't give a rip less on worth school. System is from my personal residence. Because i'm not gonna have it. You know i'm not gonna have any kids. Go to school there so you know that's not a driver driving point but it's so schools driving the price up and i'm probably not in that neighborhood unless there's some other reason for me to be in there but i mean not. My motivator is my point show you just start to look at things through that lens and do do your dad gun research. Yeah and if you know you're not good at doing the research that's why you reach out to one of our pros enable do all the research for well they'll take you around. I mean you got you need to get your arms around what's happening. Yeah guide you in doing that. I don't want somebody else to do. Your thinking for you xactly. But but the Yeah you need to you know you need a test drive. I mean same thing with the car. You don't just go buy a car. You've never driven absolutely. I mean never driven that model. Now if i've driven that make and model and everything else on no the car inside and out that. I don't have to drive it to buy it. I mean understand. i'm fine just deliver the thing. It's okay but if you've never driven a pick up that pickup that particular model. I don't go by one till you've driven it. I mean that's just not that's common sense. And yet people get all wired up and fired up emotionally and jump on stuff and start making all these assumptions about well. It's just the way it is in our world you don't understand you're only your boomer so but turns out i do think. Fake kelly's whether seattle welcome to the dave ramsey show. Hello hey what's up. So my husband. And i are in baby. Step number two We we have a total of three mortgages. So we have the home that we currently live in And then we have to rental properties both with mortgages on them and one of the homes is older and We're trying to debate on whether or not we sell about one. Okay why did you tell me. Why did you tell me it was older. Does that mean you'd like probably wouldn't care. It would be like it's not the one you would keep because it's probably not a great property over the next ten years. Is that why you told me. It's well as soon as we committed to the baby steps and saving and setting aside. We have the savings and they're everything that everything started breaking..
"one home" Discussed on The Dave Ramsey Show
"To <Silence> <Speech_Male> <Speech_Telephony_Male> <SpeakerChange> <hes> <Speech_Music_Male> <hes> <Speech_Female> <Advertisement> my call. <Speech_Male> <Speech_Telephony_Male> I'm a <Speech_Male> <Speech_Male> i'm <Speech_Telephony_Male> a An officer <Speech_Telephony_Male> in the united states army <Speech_Telephony_Male> and through <Speech_Telephony_Male> the army. <SpeakerChange> National <Speech_Telephony_Male> guard. Indiana <Speech_Male> and <Speech_Male> <Speech_Male> <SpeakerChange> <Speech_Telephony_Male> i just got offered <Speech_Telephony_Male> a twenty <Speech_Telephony_Male> thousand dollar retention <Speech_Telephony_Male> bonus <Speech_Telephony_Male> <hes> <Speech_Telephony_Male> for three years <Speech_Telephony_Male> <Speech_Telephony_Male> Additional years of service <Speech_Telephony_Male> and <Speech_Telephony_Male> currently like <Speech_Telephony_Male> my two major <SpeakerChange> <Speech_Music_Male> <Speech_Male> Debts <Silence> are <Speech_Male> my student <Speech_Telephony_Male> loan. Which is <Speech_Male> fourteen <Speech_Telephony_Male> thousand <Speech_Male> <Speech_Telephony_Male> nine or seven <Speech_Telephony_Male> hundred dollars <Speech_Telephony_Male> and <Speech_Telephony_Male> a <Speech_Telephony_Male> car which was like <Speech_Telephony_Male> twenty eight thousand <Speech_Male> dollars <Speech_Male> and i was wondering <Speech_Male> <Speech_Telephony_Male> that since we're in <Speech_Telephony_Male> Kovic season <Speech_Telephony_Male> and <Speech_Telephony_Male> interest rates <Speech_Telephony_Male> for my student or <Speech_Telephony_Male> zero. <Speech_Telephony_Male> And i'm <Speech_Telephony_Male> technically in <SpeakerChange> full <Speech_Telephony_Male> seemed like and payments <Silence> on it <Speech_Male> <Speech_Telephony_Male> Should i <Speech_Telephony_Male> take this twenty <Speech_Telephony_Male> thousand dollars. Bonus <Speech_Telephony_Male> which will roughly <Speech_Telephony_Male> about fourteen hundred <Speech_Telephony_Male> or taxes <Speech_Telephony_Male> and put it towards <Speech_Telephony_Male> the student loan. <Speech_Telephony_Male> Or should i put <Speech_Telephony_Male> <hes> towards the <Speech_Telephony_Male> car which i'm still <Speech_Telephony_Male> interested <Speech_Male> <SpeakerChange> <Speech_Music_Male> <Speech_Male> <Speech_Male> <Speech_Male> What do you <Silence> make a year <Speech_Music_Male> <Speech_Telephony_Male> <Speech_Telephony_Male> Well actually <Speech_Telephony_Male> As an officer. <Speech_Telephony_Male> I make about <Speech_Telephony_Male> eight hundred dollars <Speech_Telephony_Male> and then then as <Silence> a defense <Speech_Male> <Speech_Telephony_Male> contractor <Speech_Telephony_Male> i meant roughly <Speech_Telephony_Male> ninety <Speech_Telephony_Male> thousand dollars a year <Speech_Telephony_Male> so <Speech_Telephony_Male> come home with about <Speech_Male> <Speech_Male> <Speech_Telephony_Male> with overtime <Speech_Telephony_Male> about one hundred. <SpeakerChange> Fifteen <Silence> thousand. <Speech_Male> Yeah <Speech_Male> this car is not <Speech_Male> completely in the <Speech_Male> crazy zone. But it's <Silence> close. <Speech_Male> <Speech_Telephony_Male> <Speech_Telephony_Male> Yeah no <Speech_Telephony_Male> <Speech_Male> <Speech_Male> <Speech_Male> <SpeakerChange> <Speech_Male> i would pay <Speech_Male> off your student loan with your <Speech_Male> bonus and then <Speech_Male> i would either get an attack <Speech_Male> mode and get that car paid <Speech_Male> off in about eighteen <Speech_Male> months <Speech_Male> or at sell. <SpeakerChange> It moved <Speech_Male> down one of the two <Speech_Male> <Speech_Male> <SpeakerChange> <Speech_Male> <Speech_Male> but the interest on. It doesn't <Speech_Male> matter to me what matters <Speech_Male> to me. Is that you <Speech_Male> lean into both of <Speech_Male> these things and knock them <Speech_Male> out one <Speech_Male> way or another as fast <Speech_Male> as you <Speech_Male> possibly. <Speech_Male> Can i <Speech_Male> mean of all <Speech_Male> the things you told me about your <Speech_Male> whole life. The thing that <Speech_Male> doesn't fit in <Speech_Male> the sentences this car. <Speech_Male> <Speech_Male> Thank you for your service <Speech_Male> by the way. Yes <Speech_Male> you're very critical <Speech_Male> thinking skills <Speech_Male> on everything but then you like <Speech_Male> lost your mind one <Speech_Male> day and bought a car. <Speech_Male> I mean it's like <Speech_Male> you know student <Speech_Male> loans. Not out of hand. <Speech_Male> It's it's not a good <Speech_Male> thing. I'm glad you're getting <Speech_Male> rid of it. You <Speech_Male> know the resigned bonuses. <Speech_Male> Good idea you <Speech_Male> know you're serving your country <Speech_Male> thank you. <Speech_Male> you know. you're you're you're <Speech_Male> you know you've got <Speech_Male> a whole process. A thought <Speech_Male> process on everything until <Speech_Male> he came to this car. And <Speech_Male> it's just like this weird things <Speech_Music_Male> <Speech_Male> doesn't <Speech_Male> fit. So i'm <Speech_Male> okay if you keep it because <Speech_Male> it's not more than <Speech_Male> half your annual income and <Speech_Male> you can pay it off and under two <Speech_Male> years but <Speech_Male> i'd get rid of the debt. <Speech_Male> Within a very short <Silence> period of time. <Speech_Male> I would lean <Speech_Male> into it. Knock it out as fast <Speech_Male> as you possibly <Speech_Male> can. <Speech_Male> And if you're <Speech_Male> not willing to do <Speech_Male> jack <Speech_Male> up that car and <Speech_Male> get rid of it in terms of <Speech_Male> that then you need to look <Speech_Male> at moving down and out of <Speech_Male> it. It's not <Speech_Male> something you want to coast around <Speech_Male> on you. If you're gonna <Speech_Male> keep it <SpeakerChange> you need to get it paid <Speech_Female> for. <Speech_Female> It's like you always <Speech_Female> say. I love this. Coda <Speech_Female> say you <Speech_Female> can wander into debt. You cannot <Speech_Female> wonder if you have to <Speech_Female> get fired up and do something <Speech_Female> different. That car <Speech_Male> payment will stay there forever. <Speech_Male> I mean it <SpeakerChange> will be there <Speech_Male> forever. <Speech_Male> Sure will that's <Speech_Music_Male> exactly right <Speech_Music_Male> well. Good show today. <Speech_Music_Male> Christie's <Speech_Music_Male> thanks for hanging out. <Speech_Music_Male> James charles <Speech_Music_Male> and kelly daniel <Speech_Music_Male> in the booth. Thank you <Speech_Music_Male> great job. Our producer <Speech_Music_Male> assist producer.
"one home" Discussed on The Dave Ramsey Show
"Hi mary how are you. Hi dave how are you. Thank you for taking my call. Sure what's up Okay so i hopefully god willing about. I should get a baby step. three done. Six months of expenses for emergency fund My question is because my six months of expenses is basically the same as what's left to pay off on the mortgage. Should i use that fund to pay off the mortgage early and then build up my six months expenses all over again because with that mortgage bill gone. It'll be a lot easier to build up six months expensive motion. An emergency in the meantime right so i have one month emergency expenses in cash here in my home. But the rest of it is the six months other technically. I have set. I'll have seven months. I wouldn't have seven. I would have six as a max. You can have anywhere in the range of three to six. But i would not go below three paying off. Your home is exciting but it is not an emergency. Okay and i don't want you to have a paid for home and emergency and no money. I agree so let's just take a little bit more time and get the house paid off but if you wanna dollar down to three months and you're comfortable with that from six or seven then use that four towards the idea then. Yeah that could move forward. I'd be okay with that. But i wouldn't go below three months. Emergency fund The baby steps in that order for the reason that being debt free other than your home having your emergency fund in place that those are foundational things to create stability in your life when crap happens like pandemics. This is your fault. You get people so excited they wanna pay it off so fast. I have had this call every time. I'm on the show with you. Can i use this money. This savings whatever to have home early. They go to these extremes. It's because you get them so motivated and you get him so worked up and then they're just ready to do all the steps all at one time. This is revolt. It is my charge at the opportunity to clarify what it really meant. Yeah she's excited though. Here's the thing. The truth is if if i was sitting in that situation. That's the exact question basket. Because i'd want to be done. I wanna go. I wanna. I wanna run. See the finish. I wanna run through that tape on the finish line. I wanna finish. I want to be over. Won't be done or move onto the next thing check. That box have accomplished that goal. And and i am a talk about her new book. No yourself know your money. The scarcity people in the abundance scarcity people do not ask this question abundance people. People assume there's not going to be an emergency. That's right during the time that you don't have emergency rachel. Speaking of saw. Rachel put something on instagram. This is a couple of weeks ago and it was a picture of a gas tank where it's like half empty. I need to fill up. And then there's another gas tank that's on and it's like i got plenty of room. That is me. I read on filling up. He's got any amount of gas. It's so true we just look at this same amount completely different in that funny. It's but that's a and again there's nothing wrong with being abundance person around been a scarce person but she just always know who's asking that question and you don't wanna go too far on the extremes because that's where you find the toxicity on any of these these tendencies that rachel talks about but that and that's one of them that's a good spectrum right there to think about when you're looking at Questions like this is is it. Because i'm an abundance person. 'cause abundance people like me and you. We think we can out earn stupidity. I told matt the other day. I go see my fluid. You just go get more. He's like what is this hand. Most what is this thing. Get more fear comes in more co give more no. I don't even know you are right exactly. But i love your answer there. I want to go back to that really quickly. I'd love your answer because it doesn't have to be all or nothing. She's got seven months emergency. She can have three months. Emergency fund took take four months worth. Put it towards the mortgage. And she's well she's making a share six much does it for months has coming pretty close. That's right so knock her out. Get her done wailua with us. In jackson mississippi. I william welcome to the dave ramsey. Show hey how are you better than i deserve. What's up all so. I'm planning on graduating from college and the next This time next year actually. I'm regulation that. I'll be freed and student loan. Wow i won't have owned and i have a full-time job. This llandough for this time this year starting at about seventy five thousand a year with 401k. Ops and question. What should i do when looking for getting the new or starring. Look for my first home Currently i wanna live outside the city limits because inner city taxes where i live is tremendously larger and it would be outside the city. What do you. I should do for my first house okay. Well you've established one thing you want. You know what you want you want to be outside the city The first thing i would tell you is you don't have be in a hurry. I'm okay if you wait a year or two. I don't want you to be a renter your whole life but you are not being like crazy man or you're not stupid or something not buying a house immediately because the the first couple of years out of college is when is one of the most transitional times of most people's lives new jobs new relationships all kinds of things going on and a home as a very permanent type decision. It's something is not easy to undo. You can buy a car your car pretty easy about you. Know by the end the week right. But how's your you buy it. You know it takes a little while to get rid of that thing. If you've got the wrong one or something. And so you know. I i i would do is not by the first six months out of school maybe the first out of school and maybe even more is okay but at least six months between six months and years fine somewhere in there. The second thing then is when you get ready.
"one home" Discussed on Breakfast Connect
"All right. Everyone welcome back and we're getting right into it. The deal of the week. Now has park residents in lucky specifically located at ignore font is a baby from me. Especially, the of you're coming on the lucky expressway coming from the lucky toll gate, it will be on the right hand side just after the SAPA traffic lights all suckle more whatever is a better landmark for you I. Think his park is a perfect place for a first time property or now someone looking to expand their current in space and looking for some payment flexibility. Just someone willing to expand their property or investment property portfolio because it has a payment plan with zero percent interest allied was kind of Peyman planets like boring from the bank and not having to pay any rates at all. No here's park residences is a fully service that state of twenty four units four-bedroom Maisonette. Plus mates quarters and a study has a price tag of fifty, five, million naira, but you don't have to pay it all. Now that's the beautiful thing about this twenty percent down payment is required and the properties all yours. He can make the payments over a period of fifteen months that's over a year. The estates has a gym twenty, four hours policy apply security cleaning services swimming pool fully fitted kitchen SOUCI TV of fire alarm system, and DS TV Capeling. There are two dedicated parking spaces, water treatment and a children's play area Mario Mind with eleven million naira today, you could all be yours to get more information on this. You can contact Coyote at regent on zero, nine, zero, eight, double seven, double four, double zero three or just send him an email at coyote at rent regent calm the energy to get your slice of the Pie. But I must warn you the state is sixty percents sold up. So definitely jumped on that opportunity if you are looking to get a great deal in the property market. All right, everyone. So that's it. For this week I think we had an amazing trust episode if I do say so myself and I definitely look forward to a long term relationship with love had such a great time. I've had a blast. Now next week, we'll be giving you tips on how to design your home and make it a luxury space on a budget so I'll be having Daniela in. Our the creative director of Grant Madonna Interiors, he's what with the number of elites is actually worked with a couple of my clients, Pasenelli and She's what the number of corporate executives she'll be spilling the beans on how to turn your space into a premium pad on a budget. If you're like me, he likes to squeeze a few pennies every now and then make sure you tune into the next episode just to remind you my name is Ammar Moosa here on Liga's landlord.
"one home" Discussed on Breakfast Connect
"All right. Let's get down to business, but we'll going take it nice and simple. Just walk on the newbies in the real estate investing space. So to downgrade who talking about how to buy a house for the first time in. So, whether you're at this stage in your life where you want to stop printing and you want to finally live the nine Jerry Dream by owning your own house or you've saved up some money over the years in your thinking of investing in the residential real estate space for your season property investor looking for rewarding investments will portray tease or you could just be curious about how to buy the property. In Nigeria for the first time whatever category belong to the something in this episode fall So I'm able. Some from interstate surnames Moussa because I married someone Uraba any there's anything I know about. The. Like building a house from scratch as a matter of fact, you are not considered if all mind until you build your house both in Lagos on back home being the East but times are changing my friends. This is just a lot more advanced when it comes to real estate acquisition. In Nigeria, you can actually buy a house from a reputable development company and through a competent real-estate agent, it's just more efficient. The fact that property patches are very expensive means that anyone buying a house for the first time needs to be extra careful. In particular about ensuring that they get value for their hard earned money. Now according to the Federal Mortgage Bank of Mine Geria- The total value for the real estate market is over fifteen nine, trillion naira. And I know that you want to be part of the National Pie. So. How'd you get started? Luckily for you, I have five Golden Nuggets to help you get started. So, let's take it from the top. Budget. The first thing you need to do and picking out your property is determining what? Budget. You have for this project for this property acquisition PROTAC much. Can you afford? So you have to ensure that you have enough maybe there is room to get some more money based on your preferences. And then you explore your payment options whether you're able to pay install mentally via a private developers scheme or getting a mortgage from a reputable provider. The huge mistake first time homebuyers make is not knowing their budgets a lot of people come to me. Ask Me for the first time. In the property acquisition process. And they say, just let me know what's bed. I cannot possibly give you the entire team this team in our real-estate estate portfolio, you'd get exhausted. To the realistic thing is to have an idea how much you'd like to spend. You can have a arrange. For the budget. And set realistic based on what you have in your account or pocket. And your budgets we usually determine. You're. Looking, at on realistic locations will mean that you may not be able to afford what your heart desires is save. You have for instance, fifty million area you're looking to buy the five bedroom house and your thinking equally. My. Dear friends. He's rethink. The next point that we're moving onto. Is deciding what kind of properties suits your current needs say whether you're getting terrorist detached all semi-detached apartment how many bedrooms do you neat maybe you're a single guy that just wants to -bility before he settles down. WHAT YOU'RE A new couple looking for brand. You're married and looking to expand the family. So maybe a two or three bedroom is no longer serving the purpose and you're looking to expand maybe a four bedroom, all five bedroom. It doesn't matter what your situation is, what you need to analyze to know what type of property suits your current needs. Knowing what your budget is determines the type of property and the location of your property. It's also determines what kind of featured you'd be getting in a house. Do you need a play area? For your small children or do you need? Recreational space or do you need a gym? Swimming Pool to exercising. As maybe you're excitable passing likes to walk out hope, I love working up. and. I particularly love it when I'm living in a development that has a gym. Or. Maybe you like to run a business from home and you need a her office. So that's something you really need to analyze what do you need in your hawks because that's going to determine how much your budget will be and what kind of property you're going to need to. Maybe by the time you finish analyzing all your needs you end up with. A four bedroom terrace because you need one room for your child and other room for your office and another room for the guest room and then. Your master bedroom. So it really depends on what your current needs are. Now thirdly. Also, determine who will help you find your house people make the mistake of. People make the mistake of thinking they can get the best deal for themselves. Now, there's something very important. I'm going to tell you right now please note this remember this your property agent is your judiciary representative and they represent you on all parameters concerning the transaction that is sourcing negotiating liaising with the designated lawyers. You can't do this all on your phone because you need a competent representative who has your interest at heart who is willing to ensure that all the ts are crossed and all the is a dotted. Your property acquisition process can be the most pleasant experience. It can also be the most daunting experience if you're not with the right representation. Referrals is a great place to start when you're looking for the right representative for your property acquisition ask someone. Who have gone through the experience in Oxfam used Going online needs another avenue that you can explore however whoever you find in line and show you to authorities such on them. Go on their website see who they are check them out on social see what their track record is like. Just make sure. Your comfortable, the personal use him or the company using to find your property. Now falsely make sure.
"one home" Discussed on Breakfast Connect
"Fabric and good does be my top five tips. Ramirez so one bedroom apartment. He wants to make it that. Want to give you that right. So neutral colors Mara's drapes from ceiling to floor story luxury light. Luxy light fittings. Yes that's a good one. I love me some light and quite investing quality furniture. Because you don't want that Just thought you want every being lovely and seamless and lost you for months and months and years because that's going to be a space for a while all right so I'm actually having fun in fact when I leave here. I think I'm going to make a few corrections in my own space so for us. That don't have as much money. I some of your high profile each clientele. Can you give us a like to diy tips? On how to McCall homes? Look expensive and luxurious okay. I'll give you one. Okay so Incorporating gold assets in a way that is tasteful mixer. Fill look serious so for me. For example I use spray paint and some of my items So for example. If you have a nice mirror or a picture frame you could actually get a gold spree Spree Ping and spray very to give it that you know gold. I don't know if you remember. I did the DIY on my page awhile ago. Rice sprayed like vast in gold and it just totally transformed it. Okay yes I mean you have this gorgeous gold Shelf in your new apartment. Yes which is I helped her. Get guys looking for something really Nice but yeah. I see what you mean about the spring of Accents. Goldie can really. It can really change a feature or an accent in a room. Maybe something you had a while ago and you want to make it. New again exact. He can just spree very and it's affordable it's to yourself so why not competitive Tommy to five Dr about relief from the game okay. I mean by that same vase at the store for two hundred and fifty thousand this spray paint actually excessively serve you. Save you a lot of money that really valuable and Co Daniel. Thank you so much for that. So do you think it's actually I got this lot served? I get clients who rent an apartment and I know there's an apartment living for I know it's not the as I know they have unbolted it. What this term for. The next two three four years and some people five some even more and they come in and some things are broken or some things need some innovation. Maybe it's not a brand new apartment and they do anything about it because they think that you know what's what's the big deal I don't. It's not my house near. Why should I do so much work? If it's not my house if he has a if he has if the the decor is not in line with my personal taste I will wait until I earned my own house when that will be either no man. So do you encourage do think? It's actually was doing a lot of innovations and the rented apartment or just minimal touches. Okay so I think this depends like you said on how long you intend to stay there so I think if you're only differ one or two years I don't know about. It is the best financial decision for you to invest in a complete with your vacation. Intend to state long term. Definitely I think. Spend some money on me because I mean your space. It affects your mood. If you're in a space that is you know not to your taste and you're going to be there for ten years. I don't think it is. It is wise for you to ignore that. I'd say Invest Money Innovations You could stop maybe with finish and I you know. See that improves the space and they cannot move onto doing other hardcore Changes to the space like vamping. The kitchen towels But Yeah I think I think definitely for a long-term ten stained longtime. You should do some work. All right less fabulous I definitely resonate without fact of your space can affect your mood. 'cause I got a lot of clients wanting apartment with like big windows and they wanNA love lights in because it just like that bright happy feeling dock spaces I usually note about. Somebody would remind for the right price so Now I'm going to ask you this because I've been in such an apartment where I walk in and I'm just like what era a my in. I mean what time a my in is this a my in the Medieval Times. And there's some apartment. I walk into and the a super modern but I just don't see them. I just feel that they're semi trends in one space. Nothing is really. I just feel that in like three years or four years. A lot of things in that space will go out of style so is is it possible. Do you think to have a timeless design one. That never goes out of style or when it comes to design. Do you think you have to keep up your home style to stay in line with the trends yes. It's definitely possible to have a timeless design but never goes out of style But there are few elements that one has to consider achieve this. I'm going to name a couple of them. So one is symmetry the first thing that's one of the first things to consider so the human eye is naturally drawn to symmetry and balance which means that no matter what happens with decorating styles. Symmetrical rooms will always be presented. Look at so in other yet symmetry you'll want to double up on item so that you can create much in house that make up the whole room that being said that doesn't mean you have to pay everything For instance If you had a TV unit right you'd want to get maybe matching lamps on both sides so when you look at the wall everything that's balanced or if you have sulphur you to please matching chairs signs. That's one tip and then the second one would be your choice of materials so to have timeless designs you have to use natural quality materials with things like woods. Stones cotton silk and marble interests are good choice Also neutral colors auto by choice A bad just choice would be like acrylics. Pregnant Yeah Velvet is very particular Also neutral colors. Neutral colors traditional darrow. So classy and do not overpower the room. So if you like colors. I'm not saying go for callers. But just you know introduce them in little bits leases and use them as a sense rather than the whole room and then also if you can try to mix traditional with contemporary said that way. The Room is not fixed in one specific style. So that free time this field Yeah few guys in fact. I flake washing Herman just changing so many things in my apartment. Beautiful so we're going to go on a quick break and then when we come back gain t be speaking more with Ms Daniele and now on how to turn off homes into.
"one home" Discussed on Marketplace with Kai Ryssdal
"On. Molly Cassidy and her dog Oni greeted me at the door molly's in her early sixties. She wore a cowboy hat and hiking boots. She bought the house in two thousand for two hundred sixty two thousand dollars that'd be about three eighty seven today. Did that seem like a lot at the time? Yes. Oh, absolutely. When I started seeing the market go up, I thought, well, it's probably been a good investment over the years. She poured herself into that house. She filled it with Mt. Cts mixture own paint colors and stain the walls in her bedroom with red Zinger tea, it was a labor of love, which is why a lot of people can appreciate it. I don't think it's not their love. Today's buyers want the charm of an old house, but the amenities of a new one they want a master suite not the bathroom down the hall. It has stymied me. I had no clue that it would take the fungus others house. She's knocked the price down several times to five fifty nine. She's also buried of figurine of Saint Joseph believed to help sell homes faster in the front yard. I'll take Ruto at this point. If it will. So this before I go, I ask her about the memorial. I left in my closet ever occur to you to cover it up. No never. You know it. It's all part of the character of the house and whoever buys this house. I hope they feel the same way too. I'll be back to check in Colorado Springs. I'm Amy Scott for marketplace. We've got some pictures of Amazon house also that mushroom firm, which I guess you gotta check out on our website. Marketplace. Spinal load on the way out today. Two of them actually, both macro economically inclined. First of all Herman Cain says he is not going anywhere mister Cain. Floated by the president as a nominee to the Federal Reserve Board of governors has run into both personal and professional that is economic policy resistance from GOP senators and others the president's top economic adviser. Larry cudlow said yesterday, the White House is looking at other potential names. Mr. Kane told the Wall Street Journal today he is still in it to win. It also the beige book is out the Federal Reserve's eight times a year regional and anecdote analysis of this Connie, here's my favorite from. Today's report manufacturers are worried about Chinese tariffs. The report said one small home builder in the Philadelphia region went so far as to stockpile three or supply of nails in anticipation of rising costs kind of gets back to at Lisa Goldenberg was saying the top programme, doesn't it? Are we gotta go the down dust drills flat day, the NASDAQ down four points as less than a tenth of one percent. The S and P five hundred down six points that is two tenths percent or media production. Team includes cerebral Geir, Jake Gorski, drew justed, Jeff Peters, Dan Powell, Daniel Ramirez, Charlton Thorpe, and Ben tolliday. I'm KAI Ryssdal. We will sit Amar, but. This is APN. This marketplace podcast is brought to you by the capital ones. Spark cashcard offering unlimited two percent cashback on all of your business purchases. Learn more at Capital One dot com Capital One. What's in your wallet?
"one home" Discussed on Marketplace with Kai Ryssdal
"Us a brief disquisition check it out. Coming up. I'll take rue to at this point. If it will. So. What selling a childhood home might say about the housing market today. But first student numbers. Barely changed today. Twenty six thousand four forty nine the NASDAQ down four points that's less than a tenth percent. Seventy nine ninety six the S and P five hundred shed six points about two-tenths percent. Twenty nine hundred on the nose Morgan Stanley up. Two point six percent day. Bank of New York Mellon down about nine and a half percent. Biggest fall since two thousand fifteen by the by PepsiCo bubbled up three and seven tenths percent today. The soda and snack from beat analysts expectations. Coca Cola increased seven tenths of one percent. United Airlines rose four point seven percent today. American Airlines about one percent south west down just a tad bond. Prices unchanged. Yield on the tenure Tino five nine percent. You're listening to marketplace. This marketplace podcast is brought to you by pinup show for businesses. And universities Papa is everything. Youtube isn't with enterprise grade security built recording and live streaming and a unique search engine that finds any words spoken in any video and opco is how professionals share knowledge thousands of organizations around the world reliant panopticon to record livestream presentations meetings events and more find out more at Panipat dot com. That's P A N Opie te'o dot com and by Capital One with the spark cashcard from capitol when you are an unlimited two percent cashback on all of your business purchases. Think about it unlimited. Two percent cashback on everything you buy for your business that cashback can add up to thousands of dollars which you can reinvest back into your business. So you can keep growing take Ken to cobras of good start packaging. For example, Ken wanted his children to know that he valued the earth and had the courage to act on those values. So in two thousand nine he started good start packaging. And began creating certified composed -able foodservice packaging that was easily accessible to restaurants everywhere with the spark cashcard from Capital One can earned thirty six thousand dollars in cash back which he used to offer healthcare to his employees. Imagine what unlimited two percent cashback could do for your business Capital One. What's in your wallet? This is marketplace, I'm KAI Ryssdal. There is a slice of the audience listening to this program right now that might be struggling a little bit day might be a little bit distracted because last night smack in the middle of the night smack in the middle of the work week, the entertainment and economic powerhouse that is beyond say released her documentary homecoming on Netflix at chronicles, which you can only call her epic performance at Coachella last year. No mosh to historically black colleges and universities HPC us. They're called the concert was also released as a live album last night. A marketplace's Kimberly Adams has been listening to it all day long. The drum lines the choreographs step teams. It sounds like a real HP C you event, except when you add beyond say to the mix it's a homecoming frenzy. Serena Elton is a music business professor at the university of Miami. You know, my twelve year old niece is going to talk about this. And my seventy year old mom is going to talk about this, and that buzz will push people online to net flicks. I tunes Spotify and title and through these partnerships says Elton beyond says business savvy pays off she's created a powerful entertainment empire and made sure that she is going to be the main beneficiary of the revenue generated. Forbes estimates beyond say is worth more than three hundred fifty million dollars and that was before her latest tour, and she has a history of setting trends in the music industry. For example, more artists are now doing visual albums, like Janelle, Monet and childish Gambino. Hopefully, other artists won't pick up on late night album drops in the middle of the workweek. No apologies. Because when you're beyond say says Seraya, Nadia McDonald culture critic at the undefeated, it doesn't matter when you release your music or film, or whatever people will find a way to watch it as soon as possible, regardless of if they have work in the morning or a crying baby or whatever and beyond saying knows it. Make no. And for the beehive. It has in Washington. I'm Kimberly Adams for marketplace. Of all the financial decisions that life brings us few. If any are as emotionally loaded as buying an especially selling a house house or a condo or an apartment. It's not just a place we live, right? It's where lives happen. And that is why when marketplace's Amy Scott saw that her childhood home in Colorado Springs was not only for sale, but that there was an open house coming up. Well, you knew she had to write here's Amy. I still dream about the house. I grew up in. It was a big blue Victorian with white trim and a red door out back. There was a deck and a concrete slab where I wrote big wheels with my older brother and let him destroy me at basketball. I hadn't been inside since junior high. Now here I was thirty years later walking up the front steps with my husband and my own two kids. Let's eat your pretzels not in the house. My old Blue House is toped now with white and purple trim the Victorian era mechanical doorbell. My dad put in was still there. It doesn't quite work getting work. When we went inside. I half expected our old furniture to be there to the black Naga hide couches and swirly black and white curtains the wall to wall gold carpet, but the house was empty and the floors were gleaming hardwood that apparently required protection. Oh, do you want us to wear booties? Sir. A lot was the same though, the French doors, my parents closed when they watch TV at night, the broken drawer and the Butler's pantry. I climbed the creaky stairs to my old room. Took a deep breath and opens the closet door. Still here. Career down near the bottom of the door frame where I hoped my mom wouldn't see them where my initials, a ES seventy four eighty nine of all things that's gonna make me cry. I'd carve to them into the wood. With a ballpoint pen the day. We moved out my mom was getting remarried, and we needed a bigger place. I was fourteen kind of a crappy age, even when your world isn't blowing up. I didn't want to leave my mom still lives in the neighborhood. So after the open house, I went over, and we pulled out the old photos and kept the nostalgia going. Oh, yes. So that's the fireplace in the white walls. Look in here is the kitchen paper. It was my Perm. I looked like a mushroom. My parents bought that house there. I in one thousand nine hundred seventy one for nineteen thousand five hundred dollars. My dad was a new college professor making five thousand dollars a year. My mom worked part time for the girl. Scouts. I can remember. One other house that we were kind of serious about, but it would have been a stretch because it was in the twenties. But in retrospect, I think we've got the best house for us that we could afford nineteen thousand five hundred dollars in today's dollars that would still only be around one hundred twenty two thousand but my hometown is booming, and my parents starter home was now listed for well over half a million dollars. I just it makes me kinda sad that I don't even think Alex I could afford that house. You know that would be real stretch for us. And we're not just starting out, nor are we alone houses almost everywhere seemed to have more earning power than most of us. Do and buyers are running out of stretch. Which may be one reason my old house wasn't selling. I went back to talk to the seller to find out what was going on.
"one home" Discussed on Marketplace with Kai Ryssdal
"Cavalcade of tech companies going public in this economy continues tomorrow, Pinterest the social pinning company, I guess is the quick description. It starts trading also the video conferencing platforms zoom both of them valued in the billions of dollars. But unlike many of its recent unicorn brethren zooms actually profitable as the demand for video meetings continues to grow which has in turn resulted in it being a somewhat crowded space. You got the biggies WebEx GoToMeeting and Skype. Also, a handful of smaller companies as marketplace's Megan McCarthy Corinna explains technology, like this is changing, obviously, the way we work and also the way we live, and maybe even how we do. Our hair gone are the days of the crackly speaker phone piping in unintelligible disembodied voices in many workplaces today meeting sound more like this. In the meeting now. Although the tech is not without hiccups. Hold on hold on. Hi, can you hear me? Now, Omar Zaki is an old pro at troubleshooting in moments like these as a product manager at a software company with teams spread around the globe. He works full-time out of his home office in Atlanta where he takes video calls like this all day. Inclusion with people who aren't there using video. In addition to the audio side of the conferencing, really helped me Bill personal brands. So that people know who I am they put a face with the name? They don't just hear the voice. They don't just see the name on the on the call that visual recognition is key says Catalina Toma a digital communications professor at the university of Wisconsin, Madison. We also chatted by video nonverbal cues could be successfully used for getting people's attention and engagement and can facilitate a feeling of closeness and liking trust actually that fosters better collaboration and puts remote employees on a more even playing field with their peers in the office. Gallup polls show remote work is increasing in the US more than forty percent of workers surveyed skipped the office at least part of the time that can have big benefits for employers like attracting talent that could be based anywhere and saving money on travel for employees. Can improve productivity and quality of life. No commute. No distractions time to pick up the kids from school or even catch a wave. I spent a month in my favorite surf spot surfing for hours a day and putting a full day of work. Sarah shot is a nonprofit consultant who loves to travel. She's based in Seattle. I caught her on video chat during a long weekend in British Columbia anti sometime spends weeks working remotely from a Caribbean island where she meets with clients over video if Gary quickly switching from surfer girl. Look, you know, putting my hair back in vine touching up makeup 'cause you you're only visible for like you have. Right. But not everyone is so camera savvy says Carol Kinsey Goeman corporate communication coach who did not want a video chat with me. I'm in my pony tail and my gym clothes. And I thought you know, that's just not really the way I want to be seen because she knows how important optics can be. She wants coached an executive who conducted an entire video meeting while looking down. His desk. And literally what people saw was the top of his bald head while. He was reading these note instead of actually looking at people videoconference etiquette can vary place to place kids or pets walking in probably. Okay. Eating your lunch. Maybe not. But whether you're presenting well on camera or not Goldman says there's still no substitute for in person. I contact even if you manage not to stare self-consciously at that little image of your cell phone screen, which you know, you do camera position makes it tough to keep a natural case. It's difficult to read the room. Aunt you're missing out on those spontaneous connections that happened in the hallway between meetings that feed relationships and creativity in a fortieth of a second. You can create a bond with someone simply by shaking their hand. And that's something no amount of technology can replicate by I'm Megan McCurdy Carino for marketplace. Neiman, marcus? They of the over the top Christmas. Catalogs and high end excess is trying something new the companies getting into the second hand business. It's just made an investment in an online luxury accessories reseller called fashion file because to use the technical term the market for used stuff is booming last year. Consumer spent six billion dollars on secondhand luxury Adams a market that in just four years is expected to grow to twenty three billion dollars. So as marketplace's Eric embarrassed reports Neiman wants in and it wants in now Neiman, Marcus. I'm back used Burberry in coochie hand handbags. Well, half of the retailers. Customers are already reselling sess Jeff Gallic marketing, professor at Carnegie Mellon customers are doing it. Anyway, they're not making money why not get a little piece of it and viral mentally conscious. Consumers are a big reason why the used market is growing Trini Ahmed is with Yale center for customer insights. They're interested in sustainable Fash. Action and reducing the carbon footprint, and I think this secondhand clothing trend really satisfies that need then there's that social media pressure to look fresh holidays events meals. Everything didn't really happen if it's not an Instagram or on Facebook. And so with that, I think is this huge increase need to, you know, not be seen in the same clothes, plus nice things are more accessible when they sell for thirty to ninety percent off retail. You know, it just feels good Katie Campbell. Twenty six year old in Phoenix. Arizona has gotten into buying secondhand designer shoes a grew up in kind of a low income family. No, we didn't splurge on things like this. And for good reason. But I also grew up kind of reading vogue in daydreaming about these things, but top-shelf brands may not be happy about this says marquan director of retail studies at Columbia University. This counts undercut the perception of these brands Chanel, for example, sued secondhand site, the real real which also tried to partnership with neiman's some lug. Sherie brands might be so put off by this that they see fit to just pull the plug neiman's will buy back items like purses and belts in its stores for cash whoever wants to buy that used purser belt. We'll have to go on fashioned foul site neiman's is hoping customers who come in to sell you stuff. We'll take their cash and buy a new purse. I America barris for marketplace. At marketplace dot org right now. Pre-owned versus us
"one home" Discussed on Marketplace with Kai Ryssdal
"This marketplace podcast is brought to you by ultimate software dedicated to putting people first with innovative solutions for HR payroll and talent management. Learn more at ultimate software dot com. Ultimate software people first this marketplace podcast is brought to you by. Indeed, are you hiring with? Indeed, you can post job in minutes set up screener questions than zero in on your shortlist. Qualified candidates using an online dashboard get started today and indeed dot com slash marketplace. That's indeed dot com slash marketplace. I defy you. Seriously. I absolutely defy you to name me a smarter business person in this economy, then beyond say, oh, also steel trading housing on the program today from American public media. This is marketplace. In New York City today, I'm KAI Rozelle Wednesday the seventeenth of April good as always to have you along everybody to possibly slash probably inter related items with which to begin on this Wednesday item. The first we learned this morning that the Chinese economy grew six point four percent in the first quarter. That's from your earlier and for those not keeping score at home that is more growth than a whole lot of people expected item. Number two from the Wall Street Journal. There is talk that there might be some kind of U S China trade deal signing ceremony come late may or early June, which gets us to the synthesis part of this program. How does news item one a recovering Chinese economy fit into news item to Chinese trade talks? Marketplace's Tracey Samuelson gets us going. The question is whereas China's economic recovery coming from and the answer is mostly it's government. Nee concentrate is a researcher at the rhodium group. The biggest economic policy story for China over the past three years has been this deleveraging effort that the government pursued to reduce debt. China had been trying to tamp down on lending to boost its financial stability, but as growth slowed last year its priorities shifted to boost growth, it's now encouraging lending particularly to Chinese corporate. What was previously a stifling effect has now become a driver of growth again corporate barring has shot up to a six year high according to data from the China beige book, which tracks the country's economy by surveying thousands of Chinese companies Shahzad khazei is its managing director. This is almost entirely a credit driven or credit soak recovery. What you see is that anybody who wanted to loan in Q one got one. And that is really what has propelled this Q one recovery. The Trump administration had previously argued that China's weakening economy would motivate Beijing to close a trade deal. So the question now is whether that leverage goes away with its current economic rebound doesn't think so he says China's still wants. An agreement Issoire produce trade policy, professor at Cornell agrees, the US has some leverage over China because China clearly wants to deal, but preside cautions US doesn't have a huge vantage in these negotiations. Either the White House also wants to deal US financial markets also seemed to have been boosted by the prospects of a U S China trade deal. So I think it could have a negative effect on both financial markets and economic activity in both countries if a deal is not struck precise. The question continues to be what that deal look like and how comprehensive it might be. I'm Tracey Samuelson for marketplace. Okay. Tracy having done the, synthesis. We now move to practical application as in what does all of this American trade policies are committed spring two thousand nineteen what does it mean for people out there actually running businesses for that we have gone to one of our Goto? Lisa Goldenberg is the president of the Delaware steel company, Pennsylvania. Lease. It's good to talk to you again. Great to speak with you kind. Let me give you the first and usual, Lisa Goldenberg question has business. How steal these days. I would give it a fair. Disappointing is a better way of saying. I'm not down in the dumps because I rarely get that. But I'm just things are not humming along as they should be. This should be a pretty busy time of year. And I'm disappointed to say the things are not as robust as expected. How come what's going on? You know, I it's tough. I I gave a very strong first-quarter forecast. And I completely blew it. I'm humbled to say, I guess that happens from time to time all the indicators gave us reason to believe I quarters always strong in this would be a equally strong, and it just wasn't. I think manufacturing volumes a little bit down. And I also think that margins are really getting squeezed. It's difficult to say why k? Haas fatigue. I think the world is chaotic that. That's where I was going to go. I was going to ask you to quantify uncertainty. Right. Because here we are a year into the Trump administration's trade program tariffs and people are still Senate out. We don't know what's going on with China. How big a deal is uncertainty or is as you just called it chaos. Fatigue. Well, I think it's a continuum where you first start when there's chaos it's exciting and people scrambled to buy or to take positions because it could get really bad. Right. So if I told you that drought was coming you'd run him by water, but evanger, a year drought wasn't coming. You wouldn't buy that much water? And after a while you'd start to think what about the water I have, and I better start drinking that and do I need more. And at the same time the administration saying we're gonna have a deal any minute. So not only is drought not coming. But in fact, you might have an endless supply of water. So how much water would you go by? So it's the same. Thing with steel and the fatigue is nobody knows how to plan. Everyone's numbers are just it's dramatically off. So something change. I'm going to ask you a personal question here. You're ready. Go for it. I'm pretty open. I I know you are. That's why I feel cast and how how long have you been in the steel business nineteen eighty-seven show without putting any of those Brenton in and omega. It's cataclysmic is this one of the most unusual period you've seen in in your industry. No in that sense. That's a fair question. We've been in horrible steel markets. You scary downward spiral. No end in sight. This is not that this is something entirely different. I speak to people all day who think the administration is doing a great job. They just want policy, and I gotta tell you in manufacturing. There's kai. There's a lot. They just got unbelievable tax. Edits? So it's been a huge boost manufacturing and people who really dislike the, you know administration. They're saying well, okay. I don't like you. But gimme some policy. So I can make a plan. How much is this chaos? Slow you down, and I'm talking just simply dealing with paperwork and all the tariff exclusion request and all of that stuff that comes along with this. Okay. It's so burdensome, so I had them waiting for months to steal for steel to cross the border from Mexico to the United States and the answer. I'm giving day after day is you'll just have to wait your turn. It's really there is no proper way to handle the paperwork, so steel sits I got a call a very good Canadian customer screaming the other day that paperwork was taking forever to cross the border and blaming my team. And we worked with Canadians for two hundred years sort of effortlessly, this is a new drama suddenly were combative with our trade partners. It's bizarre. It's craziness. We used to Goldenberg. She is the president of the Delaware steel company of Pennsylvania. Lisa. Thanks so much. We'll talk to you. Thank you so much happy spring. It's gonna it's gonna improve. Down the southern end of this island today on a lovely spring date has to be said traders were mostly blah. We'll have the details when we do the numbers. Cavalcade
"one home" Discussed on Marketplace All-in-One
"One click, you can get any customized variety of things like comforters betting might be night lights. It could be. She storage units, we've seen much more focus, especially for incoming freshmen site says, parents spend on average a thousand fourteen hundred dollars, and that's mostly at brick and mortar stores. They can walk in and see what they're buying. But since we're talking room decor, we're also talking niche market, Jeff Garon ski says high demand for specialty items in one, click have opened the door to a handful of online dorm room outfitters, like his dorm co, we carry hundreds and hundreds of styles of different comforters. He says, one of the company's top sellers is it's forty. Four piece colleges essentials dorm said which comes with bed, risers custom bath towels. And even aloof a- gronkowski also partners with universities to deliver dorm and school supplies, right to campus a different landscape from when he started the business in two thousand four, it was really more almost treating it like you're going away to Campo. You're going, oh, you're going away for the the semester. We'll see in the summer and now it's treated as like the the teenager. Or young adults. I, I home college costs. More students are traveling farther. Some companies are seeing this trend as an opportunity to expand their reach. Chihuahuas a rally started Ruma fi in twenty thirteen selling dorm supplies. Now, the online retailer offers being apartment to core with items that changed throughout the year. Customers can text orders and local service reps are college students..
"one home" Discussed on Marketplace All-in-One
"This is marketplace. I'm KAI resolve the US open kicks off on Monday in Flushing Meadows New York. The last grand slam tournament of the year. That's tennis in to fan. There's going to be something new courtside this time round a shot clock to make sure Serena and Rafa and the rest don't dilly dally too long before they serve marketplace's. Justin ho tells us why. Technically grand slam tournaments have had rules about the clock. After a point players have twenty seconds to serve the bowl. We said l. p. neurology is a professor of sports management, George Washington University. She says, while the rule was in effect for years, some referees were more strict on that rule than others. Some players have been slower than others take the world's number one men's player. Rafael adult between serves. He bounces the ball with his hand, bounces it with his racket wipes his face. Sometimes nearly a minute passes. At a recent press conference. The dull said that's part of his game. I can be faster, but I like to think at this year's US open, he'll have to speed it up. Players will have to serve within twenty five seconds of a point on the first defense, they'll get a warning and if they do it again, they'll be penalized. The Roddy says, tennis's just following a trend baseball's trying to speed up the game all-sports or trying to speed up the game. That's because there's a lot of competition for TV viewers. They can tune out when games are slow, but faster games might not appeal to everybody. What a lot of tennis fans enjoy is probably the exact opposite of what might appeal to a national audience or a global audience. That's sports journalists, Keith struggler. He says, passionate viewers of the game love long grueling matches the casual fan wants something different, namely star power. The.
"one home" Discussed on Marketplace All-in-One
"Coming up. That's a husband pillow. It's like comfortable for studying on your bed. Remember did know what those things were called. What every well-appointed dorm room barely has to have in two thousand eighteen. But first, let's do the numbers. Down duster was picked up one hundred thirty three points today. A half percent closed at twenty five thousand seven ninety NASDAQ found sixty seven point eight tenths percent seventy nine forty, five p. five hundred gained seventeen point. Six tenths percent twenty eight seventy four for the five days gone by Fidel gained four tenths percent. The NASDAQ advanced one and six tenths percent. The s. p. five hundred up eight tenths percent NASDAQ up NASDAQ. Nope. Net flicks rose. Five and seven tenths percent today after analysts upgraded that stock to buy they said current quarter subscriber growth solidly in line or a head of estimates software company. Autodesk jumped fifteen percent after quarterly sales beat estimates. Autodesk may software for designing stuff. Wall Street Journal reported US thirties are investigating Microsoft over potential, bribery and corruption related to software sales in Hungary. Microsoft up seven tenths percent day bond. Prices rose yield on the tenure Tino fell to two point eight, one percent that is relatively not, you know, in the scheme of things, but just relatively relatively low as of late, you're listening to marketplace. Everybody, it's, I wanted to ask you to subscribe to a podcast idea with Molly would it's called make me smart and this week on the show, we look at a company that's trying to build trust and a viable business model for journalism using blockchain. But at least we'll be controlling it while we crashed into the iceberg subscribe and listen where ever you get your podcast..
"one home" Discussed on Marketplace All-in-One
"At one point earlier this month out here in California. There were seventeen big wildfires burning at the same time, including the big when you probably heard about the Mendocino complex fire, four hundred thousand acres burned so far firefighters from around the country, thousands of them, and as far away as a stray area in New Zealand have come to help. And it's not just here either fires everywhere are getting bigger and more destructive and harder to contain, which means you need a lot more firefighters which is changing the very nature of the job market. Place's Eric bears reports. John trap was a wolf biologist in the rocky mountains. He was always in the field and he wanted to spend more time with his family twelve years ago. A job opened up at his local fire department in red lodge, Montana, and they told him and you can be home every night if you want, and you have to get up to go put out a fire, but you can be on every night. So trap now forty seven became a firefighter in the beginning. He stayed close to home, but as he got more experienced, he would help fight big wildfires wherever he was needed. Now. Now that there are so many big fires trap is away from home more than he was during his days as a wolf biologist hard. And I tried to put out front load on my family activities. The first part of summer before the fire season really gets into full swing. He spoke to me from an airport. He was heading home after back to back tours in northern Montana and Oregon, his daughter was about to celebrate her twelfth birthday. I asked him if he have known, he'd be a wave so much. Would he have chosen this work? I don't think so. Yeah, I don't think so. I'm gonna get place right now where I'm trying to find that balance. But I think for a majority of firefighters, it's very difficult balance to find difficult because we are seeing more fires more catastrophic while we call catastrophic wildfires. Randy Brooks is a forester who teaches fire science at the university of Idaho. He says, wildfires are natural, but a combination of factors including drought advances in fire suppression and climate change are. Creating monster blazes that can quickly engulfed thousands of acres and take weeks to contain that's made the fire season longer and fires harder to fight. Imagine you're running a race years ago. It was one hundred meter dash. Now we're running the marathon and imagine how much more energy it takes to run that marathon versus that hundred meter dash. And Brooke says, firefighters, pay the price working twelve to sixteen hour days and.
"one home" Discussed on Marketplace All-in-One
"In Los Angeles. I'm KAI Ryssdal in his Friday today. The twenty. Fourth of August. Good has always to have long everybody. There was a point long about Tuesday afternoon or Wednesday morning politics in this country being what it is right now that it kind of felt like this week would never end. Am I right? Not for the first time though I will say this, keep your eye on the economic news gang. That is what's really gonna last an economic news. There was this week on a Swanson's at the New York Times that he Brady is at politico. They are here to help us. I don't know what digest, hey, everybody Hake. I hate so city. Let me start with you and the news of this morning anyway, the speech from fed chair, Jay Powell out at Jackson Hole Wyoming, the the retreat that the fed has out there every year. He gave a speech in which he said, basically where everything's fine, and we're going to keep on raising rates. Anything else folks need to take away from that. It was a steady as she goes argument that he was making the, the chairman of the fed is taking it from all sides right now and taking it from the president of the United States who appointed him who saying how dare you raise interest rates on my watch, and he's taking it from people who are looking at the stock market being extremely over, extended unemployment, being low inflation climbing being like, are you really going to keep interest rates? And he saying, well, I'm gonna do what I'm gonna do as long as it doesn't get too dangerous. And so he is trying to make the argument that a steady cautious, careful approach is what we should be doing, which is not all that different from the tone of fed chairman from last few decades. It's just seems unusual in this moment that we're living in because everything is unusual which is full of unusualness also unusual on a Swanson, the news of NAFTA this weekend, and I'm, I'm really glad we have you on because I want to ask you something..