17 Burst results for "One Hundred Twelve Percent"

"one hundred twelve percent" Discussed on Never Seen It

Never Seen It

02:53 min | 2 months ago

"one hundred twelve percent" Discussed on Never Seen It

"Blind then. Their other senses were heightened Are here we go here. We go drop dead fred. Eleven percent who framed roger rabbit ninety seven percents. Oh myself so. We both lost so you both lose. We're going to try and do one more here. Real winner tonight. Is everyone in toontown. They don't actually. We're going to do game here as our ever. Both people lost tiebreaker This game is called Viewership discrepancy pretentious viewership discrepancy. What i need from you guys. is to pick children's movie that has the biggest discrepancy between critics and audience score on rotten tomatoes. I want the audience to have liked it more than the critics -tective. Yeah fuck that. That's what you want your service and That's really good argument with my grandma. Took me to that. When i was a kid and hated the movie kind of maybe hated me after for making her see it. That was a point of contention for most of our relationship. Ace ventura pet detective up matt. I feel like it's cheating. If i also do jim carey because on his notorious for as long as i think turkey is so it has to be kids so cable guidance count. I always say cable guy doesn't can't lock cable guys. Like cigarettes aren't for kids. Yeah you know what i mean. What cigarette okay. Clifford martin short another classic. Grandma lane doesn't love todd anymore because he made her go to clifford. Lewin your relationship. That was there was a streak of four or five in a row. That were just like she was done taking him all right. Let's check up our discrepancy here. Ace ventura pet detective tomato meter for critics forty nine percent rest audience fifty seven one eight. That's insane in saint. When did they pull this audience. Who are the forty three percent of people that don't there's two hundred fifty thousand audience ratings honestly picked to popular of a movie. But how do you not like that. It's important that movie should've won an oscar. I agree retroactively windward audience score sixty seven percent critic score thirteen four discrepancy incredible clifford. Fucking rules bitch. It's the best crime grodin. i'm sure. Candy john schwartz eastern a thirty five seventy five me too. It's not is gonna be a twenty five one hundred twelve percents. I'll that movie all right the last game. We're gonna play called. Guess what movie caused. Data's describing having only watch the trailer the movie again okay. Kyle's is described. Camping can never heard how.

roger rabbit Clifford martin Grandma lane ventura jim carey fred clifford Lewin matt turkey todd grodin Candy john schwartz oscar
"one hundred twelve percent" Discussed on Kinda Funny Games Daily

Kinda Funny Games Daily

05:17 min | 4 months ago

"one hundred twelve percent" Discussed on Kinda Funny Games Daily

"Never forget a great game janet. I played that. I'm college grade. Third grade all right. Yeah no yeah that hurts me and my friends planet college trying to beat each other's goes i digress. That is all huge. That's all great news for games on top of that. I wanna spread the love and talk about a report from adam bankers talking about hardware while the nintendo switch was Website while the nintendo's switch has extended its streak in june twenty twenty one as the leading hardware platform in terms of unit sales to thirty one xbox series slash s. Took the top spot as the best selling hardware platform in dollar sales for the month alongside setting a new dollar sales record in the us for xbox platform shared by matt pistola. Xbox is june twenty twenty. One is the best for the xbox platform since june twenty eleven. Its performance helped june video game hardware dollar sales jump one hundred twelve percent on compared to june twenty twenty four four hundred in one million dollars despite the playstation five not securing the top spot in hardware unit or dollar sales in june. It remains the fastest selling console hardware platform in. Us history through its eight months on the market. So congratulations to xbox for coming up and killing that as well video games janet. Yeah that seems to be the case. It's increasingly obvious. Yeah it's it's for me. It's the long tail. That's interesting about all this because again last year in two thousand twenty or on quarantine or on lockdown It makes sense. That games were taking off the way they were and granted. We're not back to full power as a people as a human race right now but there are more options for your entertainment value. Right you can't go back to the movie theater in most places you can't go out most places do things. It's interesting see. Yeah games have continued on that track and the fact that you know i guess not even the fact that in spite of the fact that it is so hard to get a xbox series x is the fact that it is so hard to get playstation five now in. It's so hard to get lead. Steam decks like seems like the market is still booming. And i wonder how long that can continue. Janet number five on the rope. Report is where we will end. It is both happy sad. All right turns out gentlemen. You almost got a happy. Gilmore game kevin. I've only for you to show this from mica. who was the studio head of digital eclipse the developer. Who was working on this. And also mike friend of the show friend to kinda funny helps us out a lot while you're doing Now i had lost two kevin. You remember that game. When we first started kind of funny we played a ton of it was the one xbox. We'd like nine hundred controllers for it. Darb dr mike michael out with either but anyways might want to click on my tweet their cabinet and expanded to show the thing. Mike mcgee tweeted last night at one point. We were pitching this hybrid fighting in golf game with the happy madison crew. Good times it should have been greenland because it was a great idea. And what is tweet. Your shows as an is happy. Gilmore video game brought to you by digital eclipse in holy bucking. How can you believe that. Janet I know you must have not even born when god damn Happy gilmore is out but can you. I watched it and that's confusing about like like like playing this and it's like oh i was just five when i played. I probably watched happier more later than when it released. Remember when it came out but yeah great great film. Superfund super funny and i think i love the idea of fusing genres like this. I feel like. I've been increasingly drawn to like games that combine genres especially with having just finally rolled credits on it takes two a game. They definitely pulls on a lot of different mechanical references from across video game history. This sounds like it would have been fun. It also sounds like the kind of thing. Where would this have been like a great game. I'm not sure. And they didn't even exist. So it's super speculative. But i think it would have been a good time and i appreciate that existence like i think it would have been very arcadia from the sound of it. That's the thing where you know who knows what the actual quality of the game. Obviously it does a lot of great work. I'm not taking away from that. But it is the idea of just in general. I can i can i envision mario golf super speed golf but with fighting between how the speed golf in mario golf you run and you can use power to jump and you can't bump into each other and knock them down but i do feel like you know you'd be running you you get into areas you could then brawl their whatever they bring in whatever bonus you get from the fight to go there. It's kind of like a tag relay thing. Because like what i really from. Our golf was for like mario to start knocking. People out and that didn't happen and it was kinda like if i love something to be desired. The got smash bros. right. They can't give me exactly true janet. I would've loved to happy gilmore game and played the hell out of it but we never got it so now i need to look to the future to find games. I can still be excited about the future so far away like my steam dak if i wanted something more. Immediate say what came to the shops. Where would i go. You look at the official list of upcoming software across each and every platform as listed by the kind of funny games daily show host each and every weekday boot to to to your gilmore off whenever you want out today at blood twenty twenty one. Four xbox esther necks xbox one.

matt pistola janet nintendo Gilmore Darb dr mike michael golf Janet kevin Mike mcgee adam mica us gilmore greenland cabinet madison mike arcadia
"one hundred twelve percent" Discussed on Bon Appetit Foodcast

Bon Appetit Foodcast

07:57 min | 4 months ago

"one hundred twelve percent" Discussed on Bon Appetit Foodcast

"Kinda curious. This is like a chicken or the egg question like are we expecting our snacks to be good for us. Because we're actually treating snacks as meals or treating snacks as meals and then wanting them to be good for us i would say that. There's two things you saw in twenty twenty the rise of stalin snacks to the point that cereal companies that have been in decline for like the past decade. There were like oh my god. How do we mitigate with this demand in our cereals and it was because millennial in particular we're looking for nostalgic snacks to bring comfort and at the same time we're the generation of group affiliation of of snacks. And so i can only tell you that it's both things simultaneously in thought makes. Yeah we don't know how to eat you know like i. I don't think. I took any nutrition type of class in school. You know i had to take texas's rage wise nobody ever told me what eventual was and begs. No talk come on not in school but my muscular you grew up in texas doesn't mean you think there was some murkiness we yeah so now looking for the snacks to tell us they're good for us. And like when. I talk to the dietitian vanessa rosetto earlier. This year was like people. Don't go to dietitians. They think of it as a specialized kind of doctor. A dietitian can help you figure out how to eat but instead of going in those directions. We're being told how to eat so we're like. What does the package say. Oh this is of anti idea. What antioxidant wants for so many years. That i was like giving the host antioxidants. Yeah and i think we've now moved from antioxidant to adapt to gin and now even to new traffic. I would say like adoption are adopted starting to enter mainstream. I wouldn't be surprised if trader joe's was billing thing as adopted janek at this point tropics. It's already done smart water smart water. This march released adapted gen smart water. So what does new traffic me. So yeah new tropic. I think is a little more like two point. Oh andrew do you wanna talk about. Yeah i'll talk about boats. So i liked to explain to. People knew tropics is about enhancing your mind in your focus so your attention and adopted are about helping your body cope with stressors and i joke that everything has a neutral and adopt agenda. It's like i came up with this term functional on winding these things are basically telling us to do two things at once which is like whenever i see a beverage that has new tropics and adopt agenda. It's like attention fit like relaxed at the same time. And so i started calling like wow. There's this new. Category unfunctional functional unwinding. not jittery. Not hyped up not too relaxed. It's like both things at the same time. So new tropic is like that bradley cooper movie right limitless. That's that's like what new tropics are. Caffeine is tropic. People need to know that that's how popular it is caffeine tropic. Yeah gotta reminds me of amanda your favorite drink. Which is the coffee tequila. Don't tell people about like really embarrassing like yeah preferably like bodega coffee. Cheap tequila oh god and we should also point out at least as far as i know. I don't know about new tropics but adapt degen's are tend to be herbs that have also been used for centuries and other cultures a lot in traditional chinese medicine and in indian food and medicine so we are kind of extracting similar to cannabis. And how cbd in all of these other and elements of this whole ingredient are getting extracted and additives in our everyday foods. Which i think is a little bit scary in a way. Kind of a little like saifi dystopia future like we're moving away from this whole foods idea and now we're just infusing everything with wellness. Yeah when i tell you there is not adopted. Genyk energy drink called ruth that is being targeted towards gamers. And it's like yeah. We even have a vitamin that protects your eyes from like beulah from screaming on like what the gop bags of like. I gotta try weight. We've we've come so far because my brothers gamer. And when we were kids they used to buy this drink at think at best buy called balls like bright blue super caffeinated and that was the game gamer. Drink of now that we've moved back come as a society. Oh it's the millennial legacy i'm telling you. We should be proud. I'm not sure if. I want this to be our legacy. Are you kidding me. We're the generation that normalized riding in cars with strangers. I think we should be great. Segue so i want to hop back into the grocery aisle for a second. Say we're at a whole foods are like anywhere really. How does the health conscious or wannabe health conscious consumer navigate the snack aisle when everything has this like health halo or this adapter jin's and the new tropics. I joke that. The typical guy is a snack boy and be. Oh i right yeah bhilai. I've got tags of people like at the actual aisles of hopeful. It's just gotten so insane. It doesn't even matter that you're package. Your can is pretty. There's just so many options out there. And i've literally been todd like snapshot shaw. Please help. I feel overwhelmed about makes sense. But i'm thinking about your questions like someone standing in the snack aisle trying to find you know the one that views like that should not be mission in the snap out of the grocery store. That is the place where you'd pick. Whatever looks good in have a good time. Like you're playing around your trying something new but i've been trying to simplify my snacking to be or a fruit because we know that that doesn't have a million ingredients in it so that's as pure as you can go. That is not as fun. And you can't make a tiktok video unloading your fridge. Full kind of browned grapes. I think it's right to like just question. The question like why are we even looking for that in the snack aisle. Can we just let saxby snacks. What's in a snack. It's a much rounder. Saying to grand for this podcast. Well i think that's a good place to wrap up. We've really gone way deeper into this light subject than i ever expected me. Would i love it. Thank you both for joining me and andrea final question. What can we expect from you. And from snapshot down the line alternate goal is to be able to write a book about millennials in our relationship to snacks and how that ultimately led to the complication of wellness. That we see now in how that just stems from a disconnect to what really nurtures laws and so hopefully. I'll be able to do that. And i wanna start a fund in latin america. A lot of kids sell snacks on the streets to make a living. And i would love to be able to contribute in a way of getting these kids out of the streets and helping them. How a better opportunity at life. Yeah that's amazing. I have no doubt that you will get there. That sounds like such an amazing project and also that is a book that i one hundred twelve percent want to read but i again encouraged everyone to subscribe to snapshot the newsletter. Joined the discord. Get into the snack. What do we call it. The cult of the international cropper snacking the cultist snack of snack and follow bags on all platforms and read everything. She writes for just a bunch of snack calls. You know business. Thanks for listening to another episode of the healthiest podcast..

vanessa rosetto janek degen texas Genyk energy drink stalin bradley cooper andrew joe amanda ruth gop shaw todd andrea latin america
"one hundred twelve percent" Discussed on America First with Sebastian Gorka Podcast

America First with Sebastian Gorka Podcast

05:52 min | 5 months ago

"one hundred twelve percent" Discussed on America First with Sebastian Gorka Podcast

"He made a whole series of predictions. Five ten fifteen years he. He's still alive today. Almost ninety he lived to see every one of his predictions. Paula go belly up. England be a blue steam. We would have mass. Famine oil would run out and ten years. there was going to be resource scarcity. He was proposing things like forced sterilization agents adding sterilization agents to your water This was scary stuff but what we find is almost. It's almost eugenics level. It was absolutely directly affect his contemporaries of the time. Some of his proposals. Compared them to nazi germany's in terms of that he also worked with john. Holdren who was later. Obama science are and they did a whole series of books and testimonies together where they laid out this whole you of eugenics philosophy. In fact john holdren in the nineteen seventies lamented. That people should not be allowed to get in their car drive to the supermarket. Get a six pack and drive home that that was not earth friendly. That had to stop in here. We are fast forward to today's headlines. They're talking about eliminating private car. Ownership that talking about making car so expensive giving us roving fleets rental electric cars in the words of democrat candidate andrew yang when he's running for president so nothing has changed. I devote a whole chapter in this book. The nine hundred seventy s global cooling scare and literally the cia the mainstream media time newsweek scientists writing letters from academia to president nixon warning of the ice age before fossil fuels global warming fossil fuels caused global cooling. They were worried are aerosol. Were blocking the sun. So the solution identical raves. Like the green new deal. I go point by point. Everything from sovereignty limiting treaties wealth redistribution limiting freedom. It sounds like st laurent thunder. Because we've got time. But how is it that in every instance whether it is the population getting too much mouth using whether it is they new ice age whether it is global warming. Whatever it is the answer is always the same mark. Yes big government and less freedom for you. So it's the same always in more power for them and that's really what it is if you go back the simplest way to explain every environmental scare since the overpopulation. Bomb late nineteen sixties. Every scare is literally the same solutions that that no matter. What the the scariest weird. Because if it's a different threat why would the solution be the same. It's because the threat is is laid out in hyped and promoted by people whose only world view of the progressive left the administrative state. Control when you go back to woodrow wilson's vision of the idea of unelected bureaucrats and from the executive body ruling every aspect of your life in other words. We're too stupid. How we decide in the era of covert whether to send our kids to school. How do we know whether we can leave the house of not experts. We haven't studied this. We don't have phd's and public health. It's the same mentality here. This is the attitude of the paul. Ehrlich's john holdren is the hour. We know what's best we're going to make these regulations and aspect every aspect of your life. So we'll get to the green deal. What happened then was essentially the solutions. Where the green new deal with bell-bottoms in the nineteen seventies. that's what we had was really virtually. No de let's talk about the vaunted. Un study the climate study and the consensus forty million. Scientists ninety nine thousand nine hundred. One hundred. Twelve percent of them agree mark. I'm not a scientist. I got a phd in political science. But i'm not a empirical scientist but i know enough. The science isn't a question of consensus. You don't vote as to whether gravity exists or not. That's not the scientific method so talk to us about this consensus on climate change. I i used to work in the senate environment of public works committee under jim inhofe when he was the chairman of that committee. This was a bama's first term and the end of the bush administration and we had the same claims. These claims have been around. They started we trace them back to early. Nineteen thousand nine hundred. Al gore's first book was earth in the balance. One thousand nine hundred ninety one. Nine hundred eighty two came out and he was literally talking about all scientists agreeing that before. We even had any semblance of a debate. What they've done is they claim this number of nine hundred percent so there's no one who supports climate action has to know a darn thing about the science. All you have to do is also. I disagree if you're you're dealing with toothpaste. Are you gonna use the toothpaste that four out of five. Dennis recommend the other brand. You're gonna use the one the four out of five dennis shoes. That's what they do. It's an intimidation tactic. Now in the book goes through the first book you mentioned politically incorrect and green fraud. I explained that not only is ninety seven percent complete fallacy. It's not true it's not true and they're not even scientists the majority of them not vaulted. Us painting anthropologists economists everyone from the united nations policy experts but what they did is one of the un lead authors looked at one of the studies and he said it was a study and he said it literally was. The ninety. Seven percent was pulled from thin air. Nothing in this study supports that claim. This is the other study came out. It was ninety. They claimed a ninety. Seven percents consensus. It turned out was seventy-seven anonymous scientists based on they base that on. We don't know the scientists name what university they work for. All they did was answer. A two questions survey can humans contribute to warming is the earth warming and they scientists seventy five out of seventy seven said. Yes this is completely made us by the way. Al gore on cnn recently upped it to ninety nine percent. So somehow superset manila explanation. Well i mean from the man who invented the internet. We've got to trust him right. Now is the founder of climate depot dot com. Check it out right now. Climate depot dot com. It's a brand new book. i think it is. Yes we love it rig nery. It's green.

john holdren Twelve percent john Climate depot dot com jim inhofe andrew yang nine hundred percent One hundred Dennis ten years ninety forty million ninety seven percent climate depot dot com five two questions Five ten fifteen years first book Seven percents Obama
"one hundred twelve percent" Discussed on CATS Roundtable

CATS Roundtable

03:09 min | 1 year ago

"one hundred twelve percent" Discussed on CATS Roundtable

"Page story in the. New York Times New Yorkers are fleeing to the suburbs quote. The demand is insane in July John. There was a one hundred twelve percent increase in Westchester. A seventy three percent increase in home sales in Fairfield County. At the same time the number of property sold the Manhattan was down fifty six percent. So people in New York are moving with their feet to the suburbs. It's increasing rather than decreasing Steve Blown Suffolk. County had a press conference on Friday. Talking about four, hundred, twenty, five thousand New Yorkers living in Suffolk county right now traditionally, the all come back. By Day but I don't think they're coming back registering their kids in schools out here Frank Marino. What do you think we're good morning John Good Morning JP. Find Interesting is Manhattan housing prices which never go down I have now started to go down and at the same time the price of buying a house in a place like the Hamptons or any part of eastern Suffolk County he's up to one, hundred, ninety, two percent. So these stories of New Yorkers leaving it's much more than just anecdotes stories in the New York. Times. The New York Post people really are. Fleeing as you point out, not only they registering their kids in schools out there but with businesses, no longer requiring workers to show up as much less incentive for living New York people are fed up with the crime and fed up with the fact that in Long Island Westchester, Orange County Rock, you can go to a restaurant and dying indoors when in new. York City. You can't. We just opened the museums on. Last week. So I I think people are getting fed up job. I I do believe the people getting fed up people asked me Kathy. Wild asked me. What does it take to to move back and I said look. The streets have to be safe. People don't want to walk around in unsafe streets and and the mayor the city council has tied the policemen's. Hands they put the police in handcuffs. As I say, instead of putting criminals in an crops enough is enough put these criminals back into rikers island and at least what. The criminals that that use guns and knives to threaten people were also eager to see what happens if the mayor's planned layoffs of twenty, two thousand workers does through if some of those workers include sanitation I mean you could see a situation where New York City which has already gotten a bit dirtier over the course of the last few months. If we start cutting back on sanitation John you're GonNa see just pandemic Phil? Frank the big lie. He hired thirty five thousand workers and he's off twenty two. Why don't you lay off to part of the thirty five year higher and that is threatening to? Instead of threatening to layoff policemen and Sanitation Workers A. It's a threat to the American citizens to New York citizens, and it's part of the big lie..

New York City New York Times Suffolk county Frank Marino Fairfield County The New York Post John Good Manhattan York City Westchester rikers island Orange County Suffolk Kathy Long Island Westchester Phil Steve
"one hundred twelve percent" Discussed on Newsradio 600 KOGO

Newsradio 600 KOGO

03:22 min | 1 year ago

"one hundred twelve percent" Discussed on Newsradio 600 KOGO

"Is time for news about your money and we have the Bloomberg news desk filling in for Sally now we have the numbers to show why the pandemic is hit the economy so hard consumer spending accounts for about two thirds of the U. S. economy last month that fell by the most on record down thirteen and a half percent for March levels for the sharpest drop in commerce department record since I'm sixty one years it was a steeper drop than economists predicted to the employment situation hasn't necessarily bottomed out either the New York times reports Google is pull back offers to several thousand people who agree to work is temporary and contract workers Google stole contracting agencies it is lowering its hiring and not bringing on as many as new starters exited plant discount retailer big lots is seeing big sales the company reported its best comparable sales growth in at least five years last quarter more than ten percent stock futures are mixed S. and P. futures down twelve nasdaq futures up three Dow futures down one hundred fifty six John dot occur Bloomberg radio the White House says its problem with blanket mail in voting options comes from places like Los Angeles California governor Gavin Newsom signed an order that will result in all registered voters being sent a mail in ballot this fall in case the virus is still prevalent president trump has said that could lead to fraud White House spokeswoman Kayleigh McEnany pointed to one area in particular where in LA county you have one hundred twelve percent of the population registered ask yourself how that happens and one hundred twelve percent of the population gets a balance well at least twelve percent subject to fraud illegal settlement LA county did agree to remove inactive voters last year could either died moved or become ineligible to vote the state also agreed to update its registration however the governor says there's no evidence of massive fraud related to mail in voting that's just a Rosenthal reporting so Coachella is still scheduled to take place later this year but sources say the music festival might not end up happening after all the festival postponed to October but sources from Bloomberg say festival organizers are asking artists about their twenty twenty one schedule the outlet reports it's an indication that this year's show will be canceled an executive from ATG presents which is the company that produces Coachella said earlier this week it does not seem likely that it will happen in the fall all right is our director Jorge ready for this I don't know if you paid attention I don't know is he in there he's in there okay yes he passed out from sheer joy Shakira is back in the studio the hips don't lie singer posted a selfie of herself well that's redundant with with headphones on her social media this week and confirm she's working on new music nice said she's read her fans tweets half of which are from Jorge and is working on some new tunes you know the fact that she might have a restraining order against Jorge glas our director here at cocoa really doesn't make him a bad man things up he just said it was worth it it we don't say things like that lord have mercy new year's time is six twenty seven a family member of a victim of police brutality speaks out against national protest we have that story on the way.

Bloomberg
"one hundred twelve percent" Discussed on News-Talk 1400 The Patriot

News-Talk 1400 The Patriot

01:35 min | 2 years ago

"one hundred twelve percent" Discussed on News-Talk 1400 The Patriot

"The patriot in Wayne County we got an accident one for the two left lanes right now hi to seven five northbound approaching bow road stop and go traffic reaching back from the M. four T. forecast for the rest of the afternoon a high of twenty five do they like snow showers tonight some sunshine tomorrow with a high of thirty five right now it's twenty three degrees the number of high school students enrolled in early middle college programs in the state is up one hundred one percent over the past four years the Michigan department of education says that coincides with the one hundred twelve percent increase in the number of those programs available during the same time providing students with the opportunity to take college courses in even Ernie degree while still in high school really middle college combines high school and college for students junior and senior years of high school and add a fifth year after which they have both their diploma and as high as an associate's degree transferable college credits Detroit police believe the belongings of the eight and ten year old girls who found their mother and two others that are tainted with Fenton all the family is not being allowed back in the home as a result the girl's mother Donna Wilson along with Russia on the th annual and Marcel Redmond died from suspected overdose is well the third man was revived by police the girl's father has started a fund right racer the help in getting a place to rent with four rooms now that he has custody of the children this report sponsored by Clint Eastwood's Richard Jewell on December.

Wayne County Donna Wilson Russia overdose Clint Eastwood Richard Jewell Michigan department of educati Ernie Detroit Fenton Marcel Redmond
"one hundred twelve percent" Discussed on Biz Talk Radio

Biz Talk Radio

08:05 min | 2 years ago

"one hundred twelve percent" Discussed on Biz Talk Radio

"A lot about the spending patterns older households. I got this from the employee benefit research institute, their issue brief, and it summarizes the health and retirement study. Now for most people, you're spending does. In fact, go down. That is a proven fact. It's not true for all people, and John, when we talk about most people, we're typically talking about those with a portfolio those that have money obviously, those that don't have much money do spend more money than they have in retirement. And this summary sort of points, this out overall what they say is fifty nine percent of the sample set here spent less than their income, forty one percents spent more than their income. This goes back to. Twenty fifteen data. For single retired individuals in twenty fifteen average spending was five percent lower than income. However, median spending was higher than median income by three thousand dollars. You see kind of have to read between the lines and you can all wait where you are. On that chart. But basically, if you have money, what it says to me is an, you're single you spend about five percent less than you, actually earn. If you are in the lower income categories, you're probably spending more. And a lot of this is going to come down to healthcare. You had mentioned before the break the long-term care. We'll get into that in a second. These are older Americans, okay? These are over sixty five times what they didn't say. Exactly. But it was an older household. All right. I'll, I'll say, all right. I suspect it's over sixty five. Okay. All right. Coupled households where both spouses were retired on average spent eighty percent of their income and twenty fifteen. So that twenty percent cushion married couples with at least one spouse in the labor force had the lowest spending this makes sense spending income ratio with an average of forty five percent. So that's where maybe the husband's still working life retired or the wife still working the husband either way retired, it'd be like your family. That'll be you. You'll be living on like fifty percent of your money. Leftover to spend on cool stuff. We'll see I gotta get through this year. And possibly next. I just, you know, I don't need to tell you. The single retired cohort had the highest spending income ratio with an average of eighty six percent. Sure, however, the median spending income ratio was very Ida hunt hundred and twelve so half of the people spent more at one hundred twelve percent when you talk about media, and that's what we're discussing here. So it's not as rosy as it seems. Now, again, the studies that I have quoted and there are many have suggested that as you age you do. In fact, spend less money, but there is a cohort that is spending more. Those are typically on the lower income and, and that's really important, so financial advisers, beware that they're going to have a cohort of people that they've really got to work on budgeting in retirement, a lot of people don't worry so much about budgeting. Now, we know what are we talking about income? Let's say you're retired income would be your social security. It would be everything or pension. If you have gone and what else we're getting we're getting to the pension thing. I'm doing this for you. John. As many income, replacement approaches assume are finding support a reduction, they say in housing and transportation expenses for tirees relative os in the labor force. However food costs and health expenses were higher for retirees. Now here's where they went on to talk about pensions. Married and retired households with pension income on average had sixteen thousand more dollars more income than those without pension income. Total expenditure was ten thousand more largely driven by high dollar amount spending on housing, entertainment, and other gifts for single retired individuals in twenty fifteen average income was twenty one thousand higher for those with regular pension, and annuity income compared to those without a pension, while the average total expenditure was nine thousand greater. So we're talking serious difference. There it is. I'm trying to think let's say, I have two million dollars in my portfolio, and I get a fifty fifty thousand income from social security. And that's all I have. But I only need seventy. Thousand live because I'm frugal or whatever. So I'm taking twenty twenty five thousand out of my portfolio is that income that does that twenty thousand considered income. Sure. So just withdrawals are considered income. Well, I mean you know, I think that might skew it a little bit. I can't imagine people being able to survive if they're at one hundred twelve percent of their income at least not for very long. Well, they can't this is why we've got a major crisis with the lower end income inequality here all the time. Finally, while almost thirty four percent of households with regular pension, annuity incomes spent more than their income forty six percent of households without regular pension. Incomes spent more than their total income in twenty fifteen. So again, as you obviously, folks, there's a message in all of this, and the message is, is clearly better. If you can figure out a way to pension is at least some of your income pension ising means you have a pension from work. Not very many of us, do pension ising would mean delaying taking your social security because your pension gets greater by seven or eight percent. Inflation adjusted pension ising your income is taking some of that two million dollar port. Folio or five hundred thousand dollar portfolio, and annuity ising it as we've learned from tons, and tons of academic research where partial annuities ation. If you live to life expectancy, or beyond will mean not only more secure retirement for you, but a greater inheritance for your kids. I cannot emphasize that enough because I think I wrote in one of my books years ago that, if you were willing to trade off some of the inheritance for your kids in favor of a more stable secure income for yourself, then an annuity would make sense. But what we're learning is. And this is so important, what we're learning is partial annuities ation on one hand, but then on the other hand, re tweaking, your portfolio making the rest of your portfolio more aggressive, not less aggressive actually will end up giving you more retirement income and leaving.

John one hundred twelve percent five percent five hundred thousand dollar three thousand dollars thirty four percent two million dollars eighty six percent fifty nine percent forty five percent two million dollar forty six percent eighty percent twenty percent eight percent fifty percent one hand
"one hundred twelve percent" Discussed on KDWN 720AM

KDWN 720AM

08:05 min | 2 years ago

"one hundred twelve percent" Discussed on KDWN 720AM

"About the spending patterns. Older household. I got this from. Employee benefit research institute, their issue brief, and it summarizes the health and retirement study. Now for most people, you're spending does. In fact, go down. That is a proven fact. It's not true for all people, and John, when we talk about most people were typically talking about those with a portfolio those that have money. I'm the Isley those that don't have much money do spend more money than they have in retirement. And this summary sort of points, this out overall what they say is fifty nine percent of the sample set here spent less than their income forty-one percent spent more than their income. This goes back to twenty fifteen data for single retired individuals in twenty fifteen average spending was five percent lower. Then income however median spending was higher than median income by three thousand dollars kind have to read between the lines and you can all evaluate where you are on that chart. But basically, if you have money, what it says to me is an, you're single you spend about five percent less than you, actually earn. If you are in the lower income categories, you're probably spending more. And a lot of this is going to come down to healthcare. You had mentioned before the break the long term care. We'll get into that in a second. These are older Americans. Okay. These are over sixty-five types, what they didn't say, exactly, but it was an older house. All right. I'll say all right. I suspect it's over sixty five. Okay. All right. Coupled households where both spouses were retired on average spent eighty percent of their income and twenty fifteen twenty percent cushion, married couples with at least one spouse in the labor force had the lowest spending this make sense spending income ratio with an average of forty five percent. So that's where maybe the husband's still working the life retired or the wife still working the husband either way retire to be like your family. That'll be you. You'll be living on you know, he'll have like fifty percent of your money. Leftover to spend on cool stuff. We'll see I gotta get through this year and possibly next year. Just, you know, I don't need to tell you. The single retired cohort had the highest spending income ratio with an average of eighty six percent. Sure, however, the median spending income ratio was very high at one hundred and twelve so half of the people spent more at one hundred twelve percent when you talk about media, and that's what we're discussing here. So it's not as rosy as it seems. Now, again, the studies that I have quoted and there are many have suggested that as you age you do. In fact, spend less money, but there is a cohort that is spending more. Those are typically on the lower income and, and that's really important. So financial advisers be wear that they're going to have a cohort of people that they've really got to work on budgeting in retirement, a lot of people don't worry so much about budgeting. Now we know what are we talking about? Let's say you're retired income would be your social security. It would be or pension, if you have one and what else. We're getting to the pension thing. I'm doing this for you. John. As many income, replacement approaches assume are finding support reduction, they say in housing and transportation expenses for tirees to those in the labor force. However food costs and health expenses were higher for retirees. Now here's where they went on to talk about pensions, married and retired households with pension income on average had sixteen thousand more dollars more income than those without pension income. Total expenditure was ten thousand more largely driven by high dollar amount spending on housing, entertainment, and other gifts for single and retired individuals in two thousand fifteen average income was twenty one thousand higher for those with regular pension and. Annuity income compared to those without a pension while the average total expenditure was nine thousand greater. So we're talking serious difference. There it is. I'm trying to think let's see, I have two million dollars in my portfolio, and I get a fifty fifty thousand income from social security. Nets. All I have. But I only need seventy thousand live because I'm frugal or whatever. So I'm taking twenty twenty five thousand of my portfolio is that income that does that twenty thousand considered income. Sure. So just withdrawals are considered income. Well, I mean you know, I think that might skew it a little bit. I can't imagine people being able to survive if they're one hundred twelve percent of their income at least not for very long. Well, they can't this is why we've got a major crisis with the lower end income inequality here all the time. Finally. Early. Well, almost thirty four percent of households with regular pension, annuity incomes spent more than their income forty six percent of households without regular pension income spent more than their total income, and twenty fifteen. So again, as you look, I mean, obviously, folks, there's a message in all of this, and the message is, is clearly better. If you can figure out a way to pension is at least some of your income pension ising means you have a pension from work. Not very many of us, do pension ising would mean delaying taking your social security because your pension gets greater by seven or eight percent. Inflation adjusted pension ising your income is taking some of that two million dollar portfolio or five. Five hundred thousand dollar portfolio, and annuity ising it as we've learned from tons, and tons of academic research where partial annuities -ation if you live to life expectancy or beyond will mean not only a more secure retirement for you, but a greater inheritance for your kids. I cannot emphasize that enough because I think I wrote in one of my books years ago that, if you were willing to trade off some of the inheritance for your kids in favor of a more stable secure income for yourself, then an annuity would make sense. But what we're learning is. And this is so important, what we're learning is partial annuities ation on one hand, but then on the other hand, re tweaking, your portfolio making the rest of your portfolio more. More aggressive, not less aggressive actually will end up giving you more retirement income and leaving a.

John Isley one hundred twelve percent five percent twenty fifteen twenty percent Five hundred thousand dollar three thousand dollars thirty four percent two million dollars eighty six percent fifty nine percent forty five percent two million dollar forty six percent forty-one percent eighty percent eight percent fifty percent
"one hundred twelve percent" Discussed on Biz Talk Radio

Biz Talk Radio

07:55 min | 2 years ago

"one hundred twelve percent" Discussed on Biz Talk Radio

"And it summarizes the health and retirement study. Now for most people, you're spending does. In fact, go down. That is a proven fact. It's not true for all people, and John, when we talk about most people, we're typically talking about those with a portfolio those that have money obviously, those that don't have much money do spend more money than they have in retirement. And this summary sort of points, this out overall what they say is fifty nine percent of the sample set here spent less than their income, forty one percents spent more than their income. This goes back to twenty. Fifteen data. For single retired individuals in twenty fifteen average spending was five percent lower than income. However, median spending was higher than median income by three thousand dollars. You see kinda have to read between the lines and you can all without, you wait where you are. On that chart. But basically, if you have money, what it says to me is an, you're single you spend about five percent less than you, actually earn. If you are in the lower income categories, you're probably spending more. And a lot of this is going to come down to healthcare. You had mentioned before the break the long-term care. We'll get into that in a second. These are older Americans are okay. These are over sixty-five types what they didn't say. Exactly. But it was an older household. All right. I'll, I'll say, all right. I suspect it's over sixty five. Okay. All right. Coupled households where both spouses were retired on average spent eighty percent of their income and twenty fifteen. So that twenty percent cushion married couples with at least one spouse in the labor force had the lowest spending, this makes sense. Spending income ratio with an average of forty five percent. So that's where maybe the husband's still working the white retired or the wife still working the husband either way retired, it'd be like your family. That'll be you. You'll be living on like fifty percent of your money. Leftover to spend on cool stuff. We'll see I gotta get through this year. And possibly next just you know, I don't need to tell you. The single retired cohort had the highest spending income ratio with an average of eighty six percent. Sure, however, the median spending income ratio was very Ida hunt hundred and twelve so half of the people spent more at one hundred twelve percent when you talk about media, and that's what we're discussing here. So it's not as rosy as it seems. Now, again, the studies that I have quoted and there are many have suggested that as you age you do. In fact, spend less money, but there is a cohort that is spending more. Those are typically on the lower income and, and that's really important, so financial advisers, beware that they're going to have a cohort of people that they've really got to work on budgeting in retirement. A lot of people don't worry so much about budgeting. Now we know what are we talking about? Let's say you're retired income would be your social security. It would be or pension, if you have one and what else. We're getting to the pension thing. I'm doing this for you. John. As many income, replacement approaches assume are finding support a reduction, they say in housing and transportation expenses for retirees relative to those in the labor force. However food costs and health expenses were higher for retirees. Now here's where they went on to talk about pensions, married and retired households with pension income on average had sixteen thousand more dollars more income than those without pension income. Total expenditure was ten thousand more largely driven by high dollar amount spending on housing, entertainment, and other gifts for single in retired individuals in two thousand fifteen average income was twenty one thousand higher for those with regular pension and. Annuity income compared to those without a pension while the average total expenditure was nine thousand greater. So we're talking serious difference. There it is. I'm trying to think let's say, I have two million dollars in my portfolio, and I get a fifty fifty thousand income from social security. And that's all I have. But I only need seventy thousand live because I'm frugal or whatever. So I'm taking twenty twenty five thousand of my portfolio is that income that does that twenty thousand considered income. Sure. So just withdrawals are considered income. Well, I mean you know, I think that might skew it a little bit. I can't imagine people being able to survive if they're at one hundred twelve percent of their income at least not for very long. Well, they can't this is why we've got a major crisis with the lower end income inequality. You hear all the time. Finally, while almost thirty four percent of households with regular pension, annuity incomes spent more than their income forty six percent of households without regular pension incomes spent more than their total income, and twenty fifteen. So again, as you obviously, folks, there's a message in all of this, and the message is, is clearly better. If you can figure out a way to pension is at least some of your income pension ising means you have a pension from work. Not very many of us, do pension ising would mean delaying taking your social security because your pension gets greater by seven or eight percent. Inflation adjusted pension ising your income is taking some of that two million dollar port. Folio or five hundred thousand dollar portfolio, and annuity ising it as we've learned from tons, and tons of academic research where partial annuities ation. If you live to life expectancy, or beyond will mean not only more secure retirement for you, but a greater inheritance for your kids. I cannot emphasize that enough because I think I wrote in one of my books years ago that, if you were willing to trade off some of the inheritance for your kids in favor of a more stable secure income for yourself, then an annuity would make sense. But what we're learning is. And this is so important, what we're learning is partial annuities ation on one hand, but then on the other hand, re tweaking, your portfolio making the rest of your portfolio more aggressive, not less aggressive actually will end up giving you more retirement income and leaving a greater inheritance.

John one hundred twelve percent five percent five hundred thousand dollar three thousand dollars thirty four percent two million dollars eighty six percent fifty nine percent forty five percent two million dollar forty six percent eighty percent twenty percent eight percent fifty percent one hand
"one hundred twelve percent" Discussed on Biz Talk Radio

Biz Talk Radio

07:56 min | 2 years ago

"one hundred twelve percent" Discussed on Biz Talk Radio

"Issue brief, and it summarizes the health and retirement study. Now for most people, you're spending does. In fact, go down. That is a proven fact. It's not true for all people, and John, when we talk about most people were typically talking about those with a portfolio those that have money obviously, those that don't have much money do spend more money than they have in retirement. And this summary sort of points, this out overall what they say is fifty nine percent of the sample set here spent less than their income, forty one percents spent more than their income. This goes back to twenty fifteen data. Mm for single retired individuals in twenty fifteen average spending was five percent lower than income. However, median spending was higher than median income by three thousand dollars is kind of have to read between the lines. And you can all wait where you are. On that chart. But basically, if you have money, what it says to me is an, you're single you spend about five percent less than you, actually earn. If you are in the lower income categories, you're probably spending more. And a lot of this is going to come down to healthcare. You had mentioned before the break the long-term care. We'll get into that in a second. These are older Americans, okay? These are over sixty five types what they didn't say. Exactly. But it was an older household. All right. I'll, I'll say, all right. I suspect it's over sixty five. Okay. All right. Coupled households where both spouses were retired on average spent eighty percent of their income and twenty fifteen twenty percent. Cushion, married couples with at least one spouse in the labor force had the lowest spending, this makes sense spending income ratio with an average of forty five percent. So that's where maybe the husband's still working the white retired or the wife still working the husband either way retired. It'd be like your family. That'll be you. You'll be living on like fifty percent of your money. Leftover to spend on cool stuff. We'll see I gotta get through this year. And possibly next. I just, you know, I don't need to tell you, the single retired cohort had the highest spending income ratio with an average of eighty six percent. Sure. However, the median spending income ratio was very either one hundred and twelve so half of the people spent more at one hundred twelve percent. When you talk about media, and that's what we're discussing here. So it's not as rosy as it seems. Now, again, the studies that I have quoted and there are many have suggested that as you age you do. In fact, spend less money, but there is a cohort that is spending more. Those are typically on the lower income and, and that's really important, so financial advisers, beware that they're going to have a cohort of people that they've really got to work on budgeting in retirement. A lot of people don't worry so much about budgeting. Now we know what are we talking about it. Let's say you're retired income would be your social security. It would be every or pension. If you have one and what else getting we're getting to the pension thing. I'm doing this for you. John. As many income, replacement approaches assume are finding support a reduction, they say in housing and transportation expenses for retirees relative to those in the labor force. However food costs and health expenses were higher for retirees. Now here's where they went on to talk about pensions. Married and retired households with pension income on average had sixteen thousand more dollars more income than those without pension income. Total expenditure was ten thousand more largely driven by high dollar amount spending on housing, entertainment, and other gifts for single in retired individuals in twenty fifteen average income was twenty one thousand higher for those with regular pension, and annuity income compared to those without a pension, while the average total expenditure was nine thousand grader, so we're talking serious difference. There it is. I'm trying to think let's say, I have two million dollars in my portfolio, and I get a fifty fifty thousand income from social security. And that's all I have. But I only need seventy. Thousand live because I'm frugal or whatever. So I'm taking twenty twenty five thousand out of my portfolio is that income that does that twenty thousand considered income, jer so just withdrawals are considered income. Well, I mean you know, I think that might skew it a little bit. I can't imagine people being able to survive if they're at one hundred twelve percent of their income at least not for very long. Well, they can't this is why we've got a major crisis with the lower end income inequality here all the time. Finally, while almost thirty four percent of households with regular pension, annuity incomes spent more than their income forty six percent of households without regular pension income spent more than their total income, and twenty fifteen. So again, as you obviously, folks, there's a message in all of this, and the message is, is clearly better. If you can figure out a way to pension is at least some of your income pension ising means you have a pension from work. Not very many of us, do pension ising would mean delaying taking your social security because your pension gets greater by seven or eight percent. Inflation adjusted pension ising your income is taking some of that two million dollar portfolio. Leo, or five hundred thousand dollar portfolio, and annuity ising it as we've learned from tons, and tons of academic research where partial annuities -ation if you live to life expectancy or beyond will mean not only a more secure retirement for you, but a greater inheritance for your kids. I cannot emphasize that enough because I think I wrote in one of my books years ago that, if you were willing to trade off some of the inheritance for your kids in favor of a more stable secure income for yourself, then an annuity would make sense. But what we're learning is. And this is so important, what we're learning is partial annuities ation on one hand, but then on the other hand, re tweaking your portfolio making the rest of your portfolio. More aggressive, not less aggressive actually will end up giving you more retirement income and leaving a greater inheritance family..

John Leo one hundred twelve percent five percent twenty fifteen twenty percent five hundred thousand dollar three thousand dollars thirty four percent two million dollars eighty six percent fifty nine percent forty five percent two million dollar forty six percent eighty percent eight percent fifty percent one hand
"one hundred twelve percent" Discussed on Biz Talk Radio

Biz Talk Radio

08:07 min | 2 years ago

"one hundred twelve percent" Discussed on Biz Talk Radio

"About the spending patterns older households. I got this from the employee benefit research institute their issue brief, and it summarizes the health and retirement study now for most people you're spending does in fact, go down that is a proven fact, it's not true for all people, and John when we talk about most people, we're typically talking about those with a portfolio, those that have money, obviously, those that don't have much money do spend more money than they have in retirement, and this summary sort of points this out overall what they say is fifty nine percent of the sample set here spent less than their income. Forty one percent spent more than their income. This goes back to twenty fifteen data. Mm for single retired individuals in twenty fifteen average spending was five percent lower than income. However median spending was higher than median income by three thousand dollars. You see kinda have to read between the lines, and you can all wait where you are on that chart. But basically if you have money what it says to me is an you're single you spend about five percent less than you, actually earn. If you are in the lower income categories, you're probably spending more and a lot of this is going to come down to healthcare. You had mentioned before the break the long-term care. We'll get into that. In a second. These are older Americans. Okay. These are over sixty five types what they didn't say exactly, but it was an older house. All right. I'll I'll say all right. I suspect it's over sixty five. Okay. All right, coupled households where both spouses were retired on average spent eighty percent of their income and twenty fifteen so that twenty percent cushion married couples with at least one spouse in the labor force had the lowest spending, this makes sense spending income ratio with an average of forty five percent. So that's where maybe the husband's still working life retired or the wife still working the husband either way retired. It'd be like your family. That'll be you. You'll be living on like fifty percent of your money. Leftover to spend on cool stuff. We'll see I gotta get through this year and possibly next. I just you know, I don't need to tell you. The single retired cohort had the highest spending income ratio with an average of eighty six percent. Sure. However, the median spending income ratio was very either one hundred and twelve so half of the people spent more at one hundred twelve percent when you talk about media, and that's what we're discussing here. So it's not as rosy as it seems now again, the studies that I have quoted, and there are many have suggested that as you age, you do in fact, spend less money, but there is a cohort that is spending more those are typically on the lower income, and and that's really important. So financial advisers, beware that they're going to have a cohort of people that they've really got to work on budgeting in retirement, a lot of people don't worry so much about budgeting. Now, we know what are we talking about? Let's say you're retired income would be your social security. It would be everything or pension if you have one. And what else we're getting? We're getting to the pension thing. I'm doing this for you. John. As many income replacement approaches assume are finding support a reduction they say in housing and transportation expenses for retirees relative os in the labor force, however food costs and health expenses were higher for retirees. Now. Here's where they went on to talk about pensions. Married and retired households with pension income on average had sixteen thousand more dollars more income than those without pension income. Total expenditure was ten thousand more largely driven by high dollar amount spending on housing, entertainment and other gifts for single in retired individuals in two thousand fifteen average income was twenty one thousand higher for those with regular pension and annuity income compared to those without a pension while the average total expenditure was nine thousand greater so we're talking serious difference. There. It is I'm trying to think let's say I have two million dollars in my portfolio, and I get a fifty fifty thousand income from social security, and that's all I have. But I only need seventy. Thousand live because I'm ruble, or whatever. So I'm taking twenty twenty five thousand out of my portfolio is that income that is at twenty thousand considered income. Sure. So just withdrawals are considered income. Well, I mean, you know, I think that might skew it a little bit. I can't imagine people being able to survive if they're at one hundred twelve percent of their income at least not for very long. Well, they can't this is why we've got a major crisis with the lower end income inequality here all the time. Finally while almost thirty four percent of households with regular pension annuity. Incomes spent more than their income. Forty six percent of households without regular pension income spent more than their total income and twenty fifteen. So again, as you look, obviously, folks, there's a message in all of this. And the message is is clearly better if you can figure out a way to pension is at least some of your income pension ising means you have a pension from work, not very many others. Do pension ising would mean delaying taking your social security because your pension gets greater by seven or eight percent inflation adjusted pension ising, your income is taking some of that two million dollar port. Folio or five hundred thousand dollar portfolio and annuity ising it as we've learned from tons and tons of academic research where partial annuities ation. If you live to life expectancy or beyond will mean, not only a more secure retirement for you. But a greater inheritance for your kids. I cannot emphasize that enough because I think I wrote in one of my books years ago that if you were willing to trade off some of the inheritance for your kids in favor of a more stable secure income for yourself, then an annuity would make sense. But what we're learning is. And this is so important what we're learning is partial annuities ation on one hand. But then on the other hand, re tweaking your portfolio making the rest of your portfolio, more aggressive. Not less aggressive actually will end up giving you more retirement income and leaving a greater inheritance family when.

John one hundred twelve percent five percent five hundred thousand dollar three thousand dollars thirty four percent two million dollars eighty six percent fifty nine percent forty five percent two million dollar Forty one percent Forty six percent eighty percent twenty percent eight percent fifty percent one hand
"one hundred twelve percent" Discussed on Biz Talk Radio

Biz Talk Radio

08:08 min | 2 years ago

"one hundred twelve percent" Discussed on Biz Talk Radio

"Lot about the spending patterns older household. I got this from the employee benefit research institute their issue brief, and it summarizes the health and retirement study now for most people you're spending does in fact, go down that is a proven fact, it's not true for all people, and John when we talk about most people were typically talking about those with a portfolio, those that have money, obviously, those that don't have much money do spend more money than they have in retirement, and this summary sort of points this out overall what they say is fifty nine percent of the sample set here spent less than their income forty one percents spent more than their income. This goes back to twenty. Fifteen data. For single retired individuals in twenty fifteen average spending was five percent lower than income. However median spending was higher than median income by three thousand dollars is kind of have to read between the lines, and you can all valuate where you are. On that chart. But basically if you have money what it says to me is an you're single you spend about five percent less than you, actually earn. If you are in the lower income categories, you're probably spending more a lot of this is going to come down to healthcare. You had mentioned before the break the long-term care. We'll get into that. In a second. These are older Americans. Okay. These are over sixty five types what they didn't say, exactly. But it was an older house. All right. I'll I'll say all right. I suspect it's over sixty five. Okay. All right, coupled households where both spouses were retired on average spent eighty percent of their income and twenty fifteen so that twenty percent cushion married couples with at least one spouse in the labor force had the lowest spending, this makes sense. Spending income ratio with an average of forty five percent. So that's where maybe the husband's still working the life retired or the wife still working the husband either way retired. It'd be like your family. That'll be you. You'll be living on the you'll have like fifty percent of your money leftover to spend on cool stuff. We'll see I gotta get through this year and possibly next just, you know, I don't need to tell you. The single retired cohort had the highest spending income ratio with an average of eighty six percent. Sure. However, the median spending income ratio was very either one hundred and twelve so half of the people spent more at one hundred twelve percent when you talk about media, and that's what we're discussing here. So it's not as rosy as it seems now again, the studies that I have quoted, and there are many have suggested that as you age, you do in fact, spend less money, but there is a cohort that is spending more those are typically on the lower income, and and that's really important. So financial advisers, beware that they're going to have a cohort of people that they've really got to work on budgeting in retirement, a lot of people don't worry so much about budgeting. Now, we know what are we talking about? Let's say you're retired income would be your social security. It would be everything or pension if you have one. And what else we're getting to the pension thing? I'm doing this for you. John. As many income replacement approaches assume are finding support a reduction they say in housing and transportation expenses for retirees relative to those in the labor force, however food costs and health expenses were higher for retirees. Now. Here's where they went on to talk about pensions, married and retired households with pension income on average had sixteen thousand more dollars more income than those without pension income. Total expenditure was ten thousand more largely driven by high dollar amount spending on housing, entertainment and other gifts for single retired individuals in two thousand fifteen average income was twenty one thousand higher for those with regular pension and. Annuity income compared to those without a pension while the average total expenditure was nine thousand greater so we're talking serious difference. There. It is I'm trying to think let's say I have two million dollars in my portfolio and get a fifty fifty thousand income from social security, and that's all I have. But I only need seventy thousand live because I'm frugal or whatever. So I'm taking twenty twenty five thousand of my portfolio is that income that is at twenty thousand considered income jer. So just withdrawals are considered income. Well, I mean, you know, I think that might skew it a little bit. I can't imagine people being able to survive if they're at one hundred twelve percent of their income at least not for very long. Well, they can't this is why we've got a major crisis with the lower end income inequality here all the time. Finally while almost thirty four percent of households with regular pension annuity. Incomes spent more than their income. Forty six percent of households without regular pension income spent more than their total income and twenty fifteen. So again, as you look, obviously, folks, there's a message in all of this. And the message is is clearly better if you can figure out a way to pension is at least some of your income pension ising means you have a pension from work, not very many others. Do pension ising would mean delaying taking your social security because your pension gets greater by seven or eight percent inflation adjusted pension ising, your income is taking some of that two million dollar port. Folio or five hundred thousand dollar portfolio and annuity ising it as we've learned from tons and tons of academic research where partial annuities ation. If you live to life expectancy or beyond will mean, not only a more secure retirement for you. But a greater inheritance for your kids. I cannot emphasize that enough because I think I wrote in one of my books years ago that if you were willing to trade off some of the inheritance for your kids in favor of a more stable secure income for yourself, then an annuity would make sense. But what we're learning is. And this is so important what we're learning is partial annuities ation on one hand. But then on the other hand, re tweaking your portfolio making the rest of your portfolio, more aggressive. Not less aggressive actually will end up giving you more retirement income and leaving a greater inheritance family. When you have.

John one hundred twelve percent five percent five hundred thousand dollar three thousand dollars thirty four percent two million dollars eighty six percent fifty nine percent forty five percent two million dollar Forty six percent eighty percent twenty percent eight percent fifty percent one hand
"one hundred twelve percent" Discussed on WHAS 840 AM

WHAS 840 AM

02:20 min | 2 years ago

"one hundred twelve percent" Discussed on WHAS 840 AM

"Stabbing him in the neck Smith crashed his car into utility pole after being stabbed. But officials say the stab wound killed him. Smith drove an ex girlfriend and Nelson's home to get her things last Friday and police say the suspect attacked them. Both the cost of getting a degree from the university of Kentucky is going up in a proposed budget announced by president Kappa Ludo in state tuition will go up by two point four. Percent. That's fall while out of state tuition. Well, see a six point two percent increase. That means a year of in-state tuition will cost twelve thousand three hundred sixty dollars a year of out of state tuition will carry a Bill of thirty thousand six hundred eighty the tuition hikes. If approved by the board of trustees in June will join three percent increases in housing and dining plans that have already been approved by the board. UK students have seen in state tuition rise one hundred twelve percent since two thousand five in response to cuts in state funding and increasing costs will Clark NewsRadio eight forty W H S House Democratic caucus chairman Hakeem Jeffries dismissed President Trump's assertion of executive privilege over the mullet report calling the president a wannabe dictator with authoritarian tendencies to try to assert executive privilege after the fact is laughable, it's frivolous. And it has no basis in reality. House Judiciary, chairman Jerrold Nadler, says congress has the legal authority to view the entire. Report. House minority leader Kevin McCarthy says Nadler is asking bar to break the law. The Democrats decided the day of the night of the election that they wanted peach this president they lied to the American public for the last two years. President Trump is defending his tax records a day after the New York Times revealed his businesses lost more than a billion dollars in one thousand nine hundred ninety s because of those losses. Trump paid no federal income tax for several years. Police in Colorado are releasing the latest information on the school shooting yesterday near Denver an eighteen year old male student was killed eight others were injured in two suspects are in custody in the shooting at stem school highlands ranch. The suspects eighteen year old Devon Ericson and a seventeen year old are believed to be students at the school. One of the suspects is expected to be in court today. Police are searching Erickson's home in his car. Your next news update is at two thirty. I'm Suzanne divall NewsRadio. Eight forty W H E, Kentucky, Anna's breaking news, weather, and traffic station. Your shot at.

President Trump president Smith Jerrold Nadler chairman Clark NewsRadio university of Kentucky W H S House Democratic caucus Hakeem Jeffries House Judiciary Nelson Suzanne divall Kevin McCarthy Kappa Ludo executive Devon Ericson UK Kentucky New York Times
"one hundred twelve percent" Discussed on KDWN 720AM

KDWN 720AM

08:05 min | 2 years ago

"one hundred twelve percent" Discussed on KDWN 720AM

"About the spending patterns older household. I got this from the employee benefit research institute their issue brief, and it summarizes the health and retirement study now for most people you're spending does in fact, go down that is a proven fact, it's not true for all people, and John when we talk about most people were typically talking about those with a portfolio, those that have money, obviously, those that don't have much money do spend more money than they have in retirement, and this summary sort of points this out overall what they say is fifty nine percent of the sample set here spent less than their income. Forty one percent spent more than their income. This goes back to twenty fifteen data for single retired individuals in two thousand fifteen average spending was five percent lower than income. However median spending was higher than median income by three thousand dollars. You see kind of have to read between the lines, and you can all wait where you are on that chart. But basically if you have money what it says to me is an you're single you spend about five percent less than you, actually earn. If you are in the lower income categories, you're probably spending more and a lot of this is going to come down to healthcare. You had mentioned before the break the long term care. We'll get into that. In a second. These are older Americans is this. Okay. These are over sixty-five types. What? They didn't say exactly, but it was an older household. All right. I'll I'll say. Yeah. All right. I suspect it's over sixty five. Okay. All right, coupled households where both spouses were retired on average spent eighty percent of their income in two thousand fifteen twenty percent cushion, married couples with at least one spouse in the labor force had the lowest spending, this makes sense spending income ratio with an average of forty five percent. So that's where maybe the husband's still working the white retired or the wife still working the husband either way retired. It'd be like your family. That'll be you. You'll be living on you know, he'll have like fifty percent of your money left over to spend on cool stuff. We'll see I gotta get through this year and possibly next just, you know, I don't need to tell you the single retired cohort had the highest spending income ratio with an average of eighty six percent. Sure. However, the median spending income ratio. Oh was very either one hundred and twelve so half of the people spent more at one hundred twelve percent when you talk about media, and that's what we're discussing here. So it's not as rosy as it seems now again, the studies that I have quoted, and there are many have suggested that as you age, you do in fact, spend less money, but there is a cohort that is spending more those are typically on the lower income, and and that's really important. So financial advisers, beware that they're going to have a cohort of people that they've really got to work on budgeting in retirement, a lot of people don't worry so much about budgeting. Now, we know what are we talking about any? Let's say you're retired income would be your social security. It would be everything or pension if you have one and and what else again, we're getting to the pension. Thing. I I'm doing this for you, John because I knew as many income replacement approaches assume are finding support a reduction they say in housing and transportation expenses for retirees relative to those in the labor force, however food costs and help expenses were higher for retirees. Now. Here's where they went on to talk about pensions, married and retired households with pension income on average had sixteen thousand more dollars more income than those without pension income. Total expenditure was ten thousand more largely driven by dollar amount spending on housing, entertainment and other gifts for single and retired individuals in two thousand fifteen average income was twenty one thousand higher for those with. Regular pension and annuity income compared to those without a pension while the average total expenditure was nine thousand grader. So we're talking serious difference. There. It is I'm trying to think let's say I have two million dollars in my portfolio, and I get a fifty fifty thousand income from social security, and that's all I have. But I only need seventy thousand live because I'm frugal or whatever. So I'm taking twenty twenty thousand out of my portfolio is that income that does at twenty thousand considered income. Sure. So just withdrawals are considered income. Well, I mean, you know, I think that might skew it a little bit. I can't imagine people being able to survive if they're one hundred twelve percent of their income at least not for very long. Well, they can't this is why we've got a major crisis with the lower end income inequality here. All the time. Finally, well almost thirty four percent of households with regular pension, annuity income spent more than their income. Forty six percent of households without regular pension income spent more than their total income in twenty fifteen. So again, as you look I mean, obviously, folks, there's a message in all of this. And the message is is clearly better if you can figure out a way to pension is at least some of your income pension ising means you have a pension from work. Not very many of us. Do pension ising would mean, the laying taking your social security because your pension gets greater by seven or eight percent inflation adjusted pension ising, your income is taking some of that two million dollar portfolio. Or five hundred thousand dollar portfolio and annuity is it as we've learned from tons and tons of academic research where partial annuities -ation. If you live to life expectancy or beyond will mean, not only a more secure retirement for you. But a greater inheritance for your kids. I cannot emphasize that enough because I think I wrote in one of my books years ago that if you were willing to trade off some of the inheritance for your kids in favor of a more stable secure income for yourself, then an annuity would make sense. But what we're learning is. And this is so important what we're learning is partial annuities ation on one hand. But then on the other hand, re tweaking your portfolio making the rest of your portfolio, more aggressive. Not less aggressive actually will end up giving you more retirement income and leaving a.

John one hundred twelve percent five percent two thousand fifteen twenty pe five hundred thousand dollar three thousand dollars thirty four percent two million dollars eighty six percent fifty nine percent forty five percent two million dollar Forty one percent Forty six percent eighty percent eight percent fifty percent one hand
"one hundred twelve percent" Discussed on 760 KFMB Radio

760 KFMB Radio

01:41 min | 3 years ago

"one hundred twelve percent" Discussed on 760 KFMB Radio

"MB Roger Hitchcock with the Roger report San Diego County has a hundred and thirty eight percent of its age eligible citizenry on the voting rolls. People who have passed away people who have moved away people who shouldn't be here in the first place in LA county. It's one hundred twelve percent in a recent lawsuit. By Judicial Watch the court has now ordered the county of Los Angeles to purge about a million and a half inactive registered names. That may be invalid all this comes from the national voter registration act of nineteen Ninety-three which requires the removal of inactive registrations from the voter rolls after two general federal elections. Inactive voter registrations belong for the most part to voters who have moved to another county or state or who passed away. But it also includes people illegally in the country. It's time to ask the register of voters in San Diego County. Are you going to follow the law here and purge people from the voter rolls who have no business being there? Because they've moved away they passed away or they shouldn't be here in the first place as the Roger report. Now this word remember last summer when you were shocked by your electric Bill. Are you living how you wanna live or do you sacrifice comfort to keep your electric costs down right in the summertime, you keep it at the seventy two, but you want to keep it at sixty five much money that would cost you're paying SDG any for that. Call Powell Marsala one of the most reputable names in the business that helping people businesses and homes significantly reduce their electric Bill for over a decade. Now, there's a thirty percent federal tax credit that is stepping down after this year. So ton of people trying to get on the bandwagon before the year ends so getting for that call Pallomari now and get some solar.

San Diego County Roger Hitchcock LA county Powell Marsala Judicial Watch Los Angeles Pallomari one hundred twelve percent thirty eight percent thirty percent
"one hundred twelve percent" Discussed on KOA 850 AM

KOA 850 AM

01:41 min | 3 years ago

"one hundred twelve percent" Discussed on KOA 850 AM

"A probe visiting a tiny icy rock out past Pluto. Queen guitarist Brian May inspired by the mission. This mission to me represents more than the mission itself had actually represents to me the spirit of adventure. Discovery inquiry which is inherent in the human spirit. You're listening to ABC news. KOA NewsRadio time is six oh to this snowfall has stopped leaving behind one to three inches across most of the metro area. Chad Gimmestad with the national weather service says because it's so cold. There was not a lot of moisture in this snowfall only about three hundred seven inch DIA, but it is a different story in the southwestern part of the state of Colorado, which has been in big drought has gotten a quite a bit of snow, and it's still snowing this morning down in places like wrangling alamosa. So it's giving them some relief down there. Give me the stats says, even though we did not get a lot of moisture out of this most recent storm, our snow pack is looking pretty good for this season right now southbound Rubasinghe where a lot of a lot of the water for Denver northeastern. Colorado comes from is it one hundred twelve percent of normal. So we're a little bit ahead of where we usually are. He's his looking back at the past year. It was a dry while we measure the water content of both the rain and the snow that falls during the year for Denver for the. A year two thousand eighteen we had eight point five three inches of water and a normal years fourteen point three so we were well below normal a little more than half of what we usually get for the year in Denver given stand says he does not see another store moving into the metro area for a while. He says we will start warming up tomorrow. And by the end of the week there may be temperatures near fifty. Today's.

Brian May Denver Colorado Chad Gimmestad ABC Rubasinghe one hundred twelve percent three hundred seven inch five three inches three inches