18 Burst results for "One Nine Thousand Dollars"

"one nine thousand dollars" Discussed on The Rake Podcast

The Rake Podcast

08:06 min | 1 year ago

"one nine thousand dollars" Discussed on The Rake Podcast

"Back to the rake as you can see him still on vacation But i'm phoning in today to funding it in all the time but today i'm phoning in with a very special guest. She is one of canada's. I think top fifty all time money. Winners a petit final tablist. A pca final tablist. She was born in either china or canada. The internet isn't sure. I was going to violate changing tire. Swan lou welcome to the rake guys. Thank you so much for having me So i'm looking at your background and plugging poker power This kinda hit the scene this year. Pretty hard Her a lot of people talking about it. A lot of really good female players have contributed. And you guys ran that huge tournament online on. It seemed like everyone into do. You wanna give me some background on it. How you got involved in what your mission is. Yeah we'll start from day one. So i actually applied for this job with this eastward team and didn't get the job but they actually got in touch with someone at poker power And i was initially just dabbling with them for a while. instructor to see what the is. All about. Niger's i've always loved this mission helping women out. I used to do when i i. If coaching is sue always offered fifty percents discount to females in. So it's it's definitely a cause of super passionate about in just seeing how of the company has operated its leadership its direction just made me completely fall in love with in now unlike holy back on the wagon like to play again like i go into whether as director or consultant as a member of the advisory board in. I feel like i'm asking a difference. Not just in. The lives of my students is just so rewarding to see like women who otherwise wouldn't come into the game gained so much confidence and Fall in love with it. The way i did way back in the day. Speaking of way back in the day you've said and other places that When you first were interested in poker you would set up hands with your stuffed animals in a circle. I believe and experiment Which stuffed animals were the best at poker snowy and starry. so what. we're still in starring. What were they white. Bears are among like christmas. Donation fund could report and get from the community center. It's a pretty incredible story coming from You know quite humble beginnings traveling the world playing poker. Can you tell us a bit about your first discovering poker moving up from the stuffed animal games to home games to being a world traveler and also while we're talking about animals can you hold up a little higher. Several can meet. He said many poodle from taiwan at that adopted last year. Right before fine. Cheese he's an on mandy snicker man's nancy. We feel the same way about ben. I'm not old old. Somebody told me from Beginnings sure As we know now. I was born in china iraq in canada when aside years old is loved games Teams words thinking that. The moneymaker effect kind of happened. Around the time. I was in college. I jump straight into it. On as a great time to make supplemental playing poker. I felt like those guys on teacher. Were doing nothing. I could do and even though initially i dabbled laid some cash tomatoes online. I like i was pretty successful. Not late as hard. The grinder is like a lotta people during that age. But like i want. Battled planets linear to the leaderboards. And i was like well the top winners at like rush poker when it first came out on full tilt poker and after that i was able to sell action. Plan five ks naturally. Not too much to my name. My parents were super against the idea but eventually came around. My mom gave me an ultimatum. play poker from a full year But after that. Like i would have to like settle down dubai. Cfa get some sort of white collar job. How hard was it to risk so much money when you grow up with so little like buying yan actually physically handing over five thousand dollars to play event. Doesn't that kinda feel different when you're scraping by a kid We were stripping. My parents have worked really hard I started working with house tall. Like i've had two or three jobs like through the timeouts in college so even though like we didn't have much like i feel like our signed a pretty good live work ethic To be able to like a foreign thing. I wanted that that that initial five jay was obviously not you know like the high stakes. I played out my was like probably like hundred dollars student or something. But i just had people telling me you know tournaments are for dogs in your like definitely good enough to just when he added until i might have let it get my head a little bit like i'm pretty sure i would just like straight up on the two treatments. I tabled if i just like learn some tournament strategy before jumping into them like cash game players are they like look down on turn players so much Your like i. I feel like. I should pay better when like selling action. Obviously i had to tapes. When i play those events in that she i sold onto to and just like private buyers and i still don't my poker shares for a little bit more for starting out so just all of the the. The money thing is funny. My parents were middle. School teachers and my family had too many kids. So we didn't have there was never like this. Oh there's a spare thousand lying around or something In the first time ever had a bank was like. I didn't even know what it was doing. But i wanna fifty dollar for us. When poker was booming on a stars and it was for nine k. And i remember like my my at my mom's house at the time in the morning is one. Nine thousand dollars spoke tournament. No like no really short Count she's like take it out though she's like it's not real and like it wasn't real actually got a check was able to cash in and i literally did almost take every dollar out because it was so much like i left. Maybe two hundred dollars on or something and it was just so funny now thinking about that. That like classical or buying bankroll management. I would put money into play that night. I'd be like i wanna play. If you don't ornament deposit fifty dollars that's used to do but it is interesting now that like after so much time. That biden's just don't feel like money just like it's so different than how you think about it. But then also we've talked about this on the pod before when you actually win it also doesn't feel like oh i could go buy a car. It's like this is just more buy ins. It goes on the pile. Yeah yeah so How happy are your parents now on that you finally have the white collar job.

china two taiwan fifty dollar two hundred dollars Nine thousand dollars today last year nine k. fifty dollars Swan lou hundred dollars two treatments christmas this year three jobs canada first five ks fifty percents
"one nine thousand dollars" Discussed on Denver Real Estate Investing Podcast

Denver Real Estate Investing Podcast

05:20 min | 2 years ago

"one nine thousand dollars" Discussed on Denver Real Estate Investing Podcast

"You know this is because I'm not in front of an audience anymore I do better when I'm under pressure. Could. All right. Well, we'll. We'll make the adds up for you then right right my name down. So wanted shows over here that adds up all those numbers says, Hey, your personal savings you'll save twelve thousand dollars a year but in subtracts out the three thousand dollars that you are paying to live so end the year one, nine, thousand dollars account. So you know a thousand dollars a month times twelve, twelve, thousand. Subtract out three thousand for living expenses. You have nine thousand dollars off near count. Your to you're not moving nothing has changed other than your rents go up slightly. And everything inflates a little bit. At the end of your to same thing, you have that money in there and then you put another nine thousand dollars in there. So. He's at eighteen thousand dollars account. Now it's time to go out there and by the next property property number two. So if we go to the other TAB on. The spreadsheet. You'll see it's going to be putting five percent down and Joe. Why are we doing a five percent Dow conventional again for a second property? Because that's going to get your best rate of return can't do three percent down for conventional because you're no longer first time homebuyer, and since you already own a property can't do a new fha loan. Really what you're doing is that five percent down for that single family home. On a new control property to minimize your down payments, he was much cash in savings as possible so you can buy your third and fourth property. So we bought the house for having US three, seventy five, and now we've gone two years and Jeff what happens with real estate every year. Usually goes up if you're right usually goes. And so that's exactly what we assume tear and we took our variable I think put three percent in here for. Rent or price appreciation. Yet. So we're seeing properties go up by three percent a year. And that is conservative might be higher might be lower. Again, this is modeling. So now, if you three seventy, five times, three percent times, three percent, the purchase price is now three, ninety seven. Were assuming acquisition costs have gone up little bit too. So they're at seventy, six, hundred dollars now and loan costs. That's as the same at fifteen forty. So now it's investments twenty nine,.

fha Joe Jeff
Why Selling Low-Priced Products Can Be Harder

The $100 MBA Show

04:17 min | 2 years ago

Why Selling Low-Priced Products Can Be Harder

"Many new to business like to price their first products or services low, they feel like it's just easier to ask for the sale if it's not much money, the issue here is that who are you going to ask the sale from a lot of people forget that it costs money to acquire customer and when I say money, this can time as well hiring. Somebody to write you great content for content marketing or email marketing or can mean straight up how much money it's going to cost you to advertise to attract a customer to attract a buyer. Let me give you an example. Let's say for example, you're spending some money on some facebook ads to drive some traffic to an online course you're selling for ninety nine dollars. Now, the we ads work is that it's a lead generation tool. You try to get somebody into your funnel. They opt in for maybe a taste of your course, a module, a free guide, and from there, you try to convert them through an automation sequence through your email marketing. Now, this is a one time fee. It's a ninety nine dollar cost for the course. So save for example, it costs you ten dollars per optin or per conversion. That means you have to spend a hundred dollars on ads to get ten people to opt in for your free. So they can be part of your automation sequence, and from there you are convincing them to buy your course with some email notifications with some more great content. Maybe you're going to fight them to a Webinar all that kind of stuff now in order for you to just break even right now, make any money at all in. Fact, you'll probably be at a loss because you'll need to run your heads and you're paying for the expensive email marketing and all that kind of stuff you'd have to have a ten percent conversion twenty percent. We'll put you in the profitable range and it's not easy to converse somebody offer emails to a buyer at a twenty percent conversion rate. That's pretty high most see something between five and nine percent at best. So best you're not even making. Money. So a lot of will find it difficult to make money on low priced products is they just don't have enough money to market the product to get the customers they need, and I want to say something for lower priced products. It's actually harder to convert them because they're more price sensitive. Now let's give another example. Let's say for example, you have a product that's two thousand dollars a two thousand dollar course you're GONNA run the same ads. And let's say we are converting on our email list at ten percent really really ambitious ten percent just like the other where he broke even. But just to compare apples to apples, I spent a thousand dollars on ads his time, and again ten dollars per conversion on my email list to opt in for my Freebie now I have a hundred leads on my email list and avert a ten percent. That's ten customers. Okay. Now while I broke even In my first example with my two thousand dollar product, I got twenty thousand dollars in sales because I got ten new customers. And I spent a thousand dollars on ads. I made a profit of one nine thousand dollars. So as you can see, you can afford to get more customers. When you have a higher price product running ads is more affordable you can get more return on investment. Now US two thousand dollars for reason, for price point for product because anything lower than two thousand is considered, you know lower priced products. Now I want to say two thousand per year that's the the annual revenue that you'll get from a customer total value of the customer. So if you have other upsells, you have other things that you're going to. Sell them later on, we want to put that into the equation but the point here is that you have a whole lot more breathing room when you're priced higher, a lot of new entrepreneurs think if I price their products to high, I won't get that many customers. It's not about the number of customers. It's about how much money you make from each the total number of. Dollars you take home the profitability. In fact, it makes a lot more business sense I rather have ten customers and earn twenty thousand dollars than to have two hundred customers at a ninety nine dollars point because i. have to now service in maintain an help two, hundred customers instead of ten,

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"one nine thousand dollars" Discussed on Habits and Hustle

Habits and Hustle

10:07 min | 2 years ago

"one nine thousand dollars" Discussed on Habits and Hustle

"What not wrench rise or bad for you but they still eat them? The people know that you have to exercise our walk at least ten thousand crazy. Say this because I have met one of my friends who haven't seen years and he let himself go and and he knows it like you were just talking about how you're you're still together. Broad slide muscle busy was stress and all that kind of stuff and businesses growing. And I was like Bro. You should hire like a trainer leaner. He's like yeah. Would you recommend I was like yeah. But he's ten thousand dollars a month and it's now he's not really I'd get here is for you. He's ten thousand dollars. A month is a pretty me. Unlike what can I get a discount. Because you're not gonNA pay attention to it. That's so good so I connected him to a trainer. I don't know if he if he paid him. Ten thousand dollars a month but what I told the trainer interpersonal. It was like Dude Mitchell. Double what you're charging him because he's someone who has to pay like take this seriously because he's a businessman he doesn't want to lose his money. Yep hundred percent by the way. There's an APP. I think that does that to basically you pay the APP once you like. They take their money. Your credit if you're not basically hitting in your benchmarks or your million. I think people do need to have that pain. Take away a lot of people. Do I mean that's that's part of what you think though. Oh to you pay more valuable when you pay for just prioritize you know for me personally. I'm not suggesting this everybody should do. I A priority. That's if you remember my story in the very beginning when I first started and I had nothing at fifty thousand dollars of debt no job no degree forty seven bucks bank account and I found out the two programs that I had were dot dot one nine thousand dollars. What was my mindset? Oh I don't have the money. How can I get that one right now? So I basically helped coaches consultants knowledge based service providers people who are like actual experts in what they do build a seven figure online business and double the revenue speaking. How is by a hybrid model and the opium? PM method. So I'll talk about the hybrid model and just a second but the opium methodist something that anybody can apply right now. So I'm just GonNa give you the goods and mixture just implement so opium in entrepreneurship entrepreneurship speakers. What other people's money other people's money wasn't so opium is is based on the fundamental question? How can I ethically earn other people's money in exchange for the value and the results that I deliver in a short time right so the goal is if you look get a formula here I might call it the opium formula? I don't know but you have. Oh Plus P plus m three equals Oh. PM Other people's money. The I os offer. Okay what is it that you're offering. That's a value. Ideally you want to have something of high value to your audience right if you don't have a huge fallen just yet don't create a course. Don't shoot crazy podcast. Don't write a book just yet right. Focus on a small group of people and build your expertise and add immense value. Are you to them. Ripe High Value. Then you have your presentation Pete. Your presentation is a high converting presentation. I can share this presentation on a podcast. I can share this presentation on a call. I share this presentation on a video. I can share this presentation on stage the same presentation if I like. I got paid over a million dollars for one on presentation in my career and that's because it was one presentation that I kept tweaking for almost ten years a decade right so I just did over and over and over again that I became my high converting presentation. Everybody can do that a million dollars off of that presentation. Yeah because I only had one talk. That's that's it I didn't have you know fifteen in speeches and took my core story. became you hold one yet. The Canadian dollar right exactly. And that's what we talk about. Allies like doing one thing angrily rejects all get feedback from a live audience and then the m m because m three is your magnetic marketing. Getting message you can be the best coach. The Best Speaker best trainers the best expert. But if you don't know how to market yourself it doesn't mean anything right right so there's a difference between your message in your presentation right right so your your message is being very very specific. So let's say for example. If you have a personal brand and I said you have. There's many different types of messages. Let's keep it simple yours. Your mission driven message your brand identity and then you have your marketing driven. Message your expertise your niche. Who you serve life right when you're doing the opium method? You're focusing on niche. Who Am I speaking to directly? Use The story framework. Who is a person? What is the problem right? And then what's the process and and the promise. I do this in every single video if I was on. CNN right now or Fox. And I had one minute it to do something. I'll just take the story proof Raymond who who is speaking to who am I targeting. Okay cool and now have a very high the message and I share it right there. So the the opium method is basically if you look at everybody's business model who is an expert or shows a story there. They have some form of this whether it's a coaching program. Whether it's a service is based business where some for something of an offer that's of high value our presentation that converts them and then a message that attracts them right. So you take on these people and make them so. How much do you cost? Oh who are women over twenty K.. Minimum Minimum Twenty. Which means let's say hired you to do? Uh Helen what do I get for. So I have two core programs right now. One hundred is a ninety day hybrid business accelerator investment hybrid thing that you were saying the hybrid in in a nutshell is taking the best of the online and offline world. Okay right so so if you hire any other guru right out there. Let's say they're just GONNA show you one way of doing things. Another reason reason. Why invest in mentors and masterminds? Because I WANNA see what they're doing to create the best results not only for me but for everybody else. Give it to my clients right. So it's twenty gap. Yeah how many phone calls. It's so it's one call per week you'll have access to my team we give you want support. The main goal really is for you to W return on investment within thirty days. Okay and what's the the other program so the powerhouse mastermind so the powerhouse mastermind just launching it this year. I'm actually moving at the time of this recording moving into a mansion mm-hmm yeah mansion ish to which is like for me my mission driven messages to build a family that I never had grown up and to build the home. That feels like home for my team. Gene for my friends for my clients and so I WANNA create a transformational culture non transactional one right so in order for me to do that. Ah I need to maintain integrity and quality. So less is more for me so I focus on. How can I increase as much value for small group of people that I can envision Asian having a barbecue with having a movie night with so the way that I want my business is like can I see them coming into my home where we could actually have a nice dinner together? They hang out with my kids or my wife as an example right so the price point. I share that because the price the point is a qualifier for me right and so I make it like if you look if you go to colleges right car right like they do an application process. So I'm very selective I can I take on more people. Can I help a lot of people absolutely but I don't want to. I want to. I want to support a few key. People where I can actually help them expand their income influence in. And you have to this one. You said Nope so. It's actually launching Tober. Yup Yes so by the time this is even out you may have had just calm and check out my programs right. There is that program one hundred and twenty K.. One hundred and twenty year. Where'd you get that number more from so as ten K per month so eighty four to twelve month twelve month program and again? It's not for everybody you know like I always tell when people get on a call with either. You're one of my team. Members are like. Yeah that's that's very expensive if you if you think of Ferrari and Toyota right not not to throw shade on anybody's driving too. I currently early drive to it. But we're upgrading soon. Right so so but if you think about at the end of the day they're both cars right right right. I value right so again when you think of the marketplace you WANNA create value for people right. Your clients are getting value. What the value that they're going to get from being whether they're working with a mentor? Talk working within the mastermind. The values not necessarily the time that they're getting even though you can give them the time. The values the results and the relationships that they get you. So how many people what did you say you were going to bring into that program tenth. Temporal all right and a small intimate and build a family like culture from there and that sounds that sounds expensive but good. Could you would get well. It's not like it's not even about me and I appreciate that. But it's like I'm thinking as visionary thinking about the culture that I want to create. No I understand totally totally and because of this conversation I understand because time is valuable. Money Equals T. You can't get you can't get Time back you can get money back yet. And you're also qualifying qualifier. I understand there's a I want to give credit for predators do but I've heard someone say one time I don't remember who it was but you've got to do whatever you can to protect your team. Mike what do you mean by that. Like protect your time your energy your attention and your money in that specific order. Yeah that's a good onto right so I'm like okay. Awesome so the hybrid model. What I like about the hybrid model is remember when I talked about the flour and the love that analogy chilly so the flower our old it has to do is produce value right you? Can you can become the flower either by implementing the opium method right creating something of high value that attracts the right type of people. The right bees and she'll world or build a celebrity like personal brand Oprah's a flower to Robin's the flower. All these big big name. Ellen is a flower I h be trying to be a flower. Then eventually like it's not over but like a Tony Robbins showbiz probably in the next three four years like show. We're about thirty out there right now..

opium Tony Robbins Dude Mitchell CNN Pete Mike Ellen Robin Raymond Helen Toyota Gene Fox Ferrari
"one nine thousand dollars" Discussed on 710 WOR

710 WOR

06:44 min | 2 years ago

"one nine thousand dollars" Discussed on 710 WOR

"How can I help I'm calling because I took out a loan on my floor against my phone Kay and I just lost my job and I'm wondering whether I should pay off the loan or take a hit with the penalty in the tax do you have the money to pay off the loan no I do not have enough cash to pay off the loan how would you pay it off I could use some cars not to take out on the dance on a line of credit I have okay I probably would do that because if you don't pay it off within sixty days it's considered an early withdrawal as you said and you'll be touch charged ten percent penalty plus your tax rate so if you're in a twenty five percent tax bracket the B. twenty five plus ten thirty five percent and that's pretty heavy interest rate yes so that's why we tell people not to borrow on their four oh one K. loans are on the four oh one K.'s ever because I found themselves in a situation like you are in are you married no I'm single have you landed a new job no I have not I lost my job a few weeks ago okay cool what were you doing I'm an accountant okay when having trouble landing an accounting position what part of Colorado where you and I don't think it'll be difficult to land a job I'm just relocating to Florida to be closer to family home okay so just kind of waiting for a good transition Terry with my son in his school number about Florida okay which would be like now when he gets out for Christmas right right okay because I don't know how are you living a certain sound when you you don't it doesn't give me money how are you living well hello to begin on employment and I do have savings again about seven thousand in savings or have my emergency semi thousand dollars I'm kind of breaking my household budget with my savings in the unemployment and I have a a renter arrayed prints make decent didn't the needle to arms not on gegen anymore that yeah I'm wondering if there's some people though you can get some contract worth work here at the end of the year right there in Denver until you get ready to leave I bet you could probably find a couple weeks worth of work people doing wrap up stuff on your in books yeah I think that's what my thing was going to be a part of our contemporary work until now while this season here people are taking medications yeah how much is your four oh one K. loan were not it's one nine thousand dollars okay I would not I would not order would take yeah I would not pay it off today I I want you to get moved in get re employed because seven thousand dollars that you having cash is very precious right now we need to protect that money yeah not valid concern I'm like if I should try to keep the accounts are such a also room in which would be the best option to do well I do want to loan paid off but I would not use any cash to pay it off you know I tell you if you wanted that line of credit and pay it off with that line of credit right now and just move it to that at least that'll keep you from getting hit no matter what and because I don't want you to get up to the end of the sixty days and and not have this done so let's go ahead and get that done with a line of credit a hundred percent don't use any of your cash yeah okay and then and then then you when you get moved if you've got any cash start your debt snowball which would entail paying down the line of credit of course so we're gonna turn used the cash but only after the crisis is behind this and your score in the middle of a crisis you've got very little money and you've got and you're making a move from Denver to Florida and you're gonna wait thirty days or so to do that so you you know you gotta get with this could you go to get that on the job I think I'd make a trip or two to Florida and start looking for a job I don't think I'm a wait till I get there look because I'd love for you to start work like the second week of January in Florida and your son started in their school the I. yeah let's get let's get really assertive and and proactive on this whole situation all right let's go back to Michael's if we can get him to work this time or get you get a phone work anyway Michael how can I help Hey Dave other going better than I deserve how come and what's up yes me and my wife were in a bind we just recently moved back from Texas to California our in laws we hear eighty seven thousand dollars in debt most of all that is in collections and I have been accumulated over the last three years Honda this site should I go back to work and work is currently working we have three kids with the point at the home yeah I'm taking care of all the cool tone I had a medical condition and you know I had to stop working at the end of last year it's been kind of tight for the last year and we're trying to just figure out you know should I go back to work on our start my only business that's been Blackshear learning about like this is something that I did take a cop previously if you've been learning about it for a year and have made no money wasn't well I had a bunch of medical stuff in between that so when I could I would learn if if that would make sense yeah well no I mean I understand you've got a medical issue or or or for but but they don't take it doesn't take a year to learn how to do online and turn on line and the money takes about a day so I mean it's really not rocket science so you know you got as I've been online is just another way of connecting to people on another way of you know turning some business model in a digital format into actual money monetizing is what really it shouldn't take a year shouldn't take a month so yeah I here's the problem I don't know your medical situation I don't know what all you've been facing it's obviously been pretty overwhelming but what I am hearing loud and clear is that you guys need money only way I know warm the only thing in place on the money comes from his work and so I don't know what kind of work you do what you do it from home what do you do the online I don't know what you do but yes you need to be generating income yesterday.

Kay one K sixty days eighty seven thousand dollars one nine thousand dollars ten thirty five percent seven thousand dollars twenty five percent thousand dollars hundred percent ten percent thirty days three years
"one nine thousand dollars" Discussed on KTAR 92.3FM

KTAR 92.3FM

07:15 min | 2 years ago

"one nine thousand dollars" Discussed on KTAR 92.3FM

"How are you hi Barton BA god how can I help I'm calling because I took out a loan on my floor of against my phone que in on just off my job and I'm pondering whether I should pay off the loan or take a hit with the penalty in the tax you have the money to pay off the loan no I do not have enough cash to pay off the loan how would you pay it off I could use some cash and I could take out of the dance on a line of credit I have okay I probably would do that because if you don't pay it off within sixty days it's considered an early withdrawal leisure said and you'll be touch charged ten percent penalty plus your tax rate so if you're in a twenty five percent tax bracket the B. twenty five plus ten thirty five percent and that's pretty heavy interest rate yes so that's why we tell people not to borrow on their four oh one K. loans are on the four oh one K. he's ever because I found themselves in a situation like you are in are you married no I'm single he landed a new job no I have not been a good boss went out a few weeks ago okay cool what were you doing I'm an accountant uhhuh okay I am having trouble landing an accounting position what part of Colorado where you I'm hurt and I don't think it'll be difficult to land a job I'm just relocating to Florida to be closer to family home okay so just kind of waiting for a good transition carries with my son and his school number out to Florida okay which would be like now when he gets out for Christmas right right okay because I don't know how are you living on a certain sound when you you don't it doesn't give me money how are you living well Colorado we get on the plane there and I do have savings again about seven thousand in savings or have my murder merchantreach I my thousand dollars I'm trying to break in my household budget with my savings in the unemployment and I have a a renter arrangements made these new didn't the needle to arms not not Diggin anymore that fell I'm wondering if there's some people though you can get some contract worth work here at the end of the year right there in Denver until you get ready to leave I bet you could probably find a couple weeks worth of work people doing wrap up stuff on your in books yeah I think that's what my thing was going to be as far as I'm concerned for her work until now while this season here people are taking medications yeah how much is your four oh one K. loan were not it's one nine thousand dollars okay I would not I would not yeah I would not pay it off today I I want you to get moved in get re employed because seven thousand dollars that you having cash is very precious right now we need to protect that money we are not for which concern I'm like if I should try to keep the accounts are such a also learn in which would be the best option to do well I do want to loan paid off but I would not use any cash to pay it off you know I tell you if you want that line of credit and pay it off with that line of credit right now and just move it to that at least that'll keep you from getting hit no matter what and because I don't want you to get up to the end of the sixty days and and not have this done so let's go ahead and get that down the line of credit a hundred percent don't use any of your cash yeah okay and then and then and then you when you get moved if you've got any cash start your debt snowball which would entail paying down the line of credit of course so we're gonna turn usually cash but only after the crisis is behind us and your score in the middle of a crisis you've got very little money and you and you're making a move from Denver to Florida and you're gonna wait thirty days or so to do that so you you know you gotta get with this could you gotta get that other job I think I'd make a trip to Florida and start looking for a job I don't think I'm a wait till I get there look because I'd love for you to start work like the second week of January in Florida and your son started new school this I yeah let's get let's get really assertive and and proactive on this whole situation all right let's go back to Michael's if we can get him to work this time or get we get a phone work anyway Michael how can I help Hey Dave on the Golan better than I deserve how come what's up yes me and my wife were in a bind we just recently moved back from Texas to California to move in with their in laws we hear eighty seven thousand dollars in debt most of all that is in collections and I have been accumulated over the last three years and trying to this site should I go back to work and work is currently working we have three kids with the born at the home but I'm taking care of cool tone I had a medical condition and you know I had to stop working at the end of last year it's been kind of tight for the last year we're trying to just figure out you know should I go back to work on our start Monday online business tested Blackshear learning about like this is something that I didn't know anything about previously we've been learning about it for a year and have made no money wasn't well I had a bunch of medical stuff in between that so when I could I would learn if if that would make sense yeah well no I mean I understand you've got a medical issue or or or for but but they don't take it doesn't take a year to learn how to do online and turn on line and the money takes about a day so I mean it's really not rocket science so you know you got is not been online is just another way of connecting to people on another way of you know turning some business model in a digital format into actual money monetizing answer really it shouldn't take a year shouldn't take a month so yeah I here's the problem I don't know your medical situation I don't know what all you've been facing it's obviously been pretty overwhelming but what I am hearing loud and clear is that you guys need money yeah the only way I know warm the only thing a place on the money comes from his work and so I don't know what kind of work you do what you do it from home when you do the online I don't know what you do but yes you need to be generating income yesterday somehow some way you have three little kids you're living in your in laws house your eighty seven thousand dollars end of it in that it's all in the fall yes you need income lots of it as soon as you can create it I don't know what you can do given your medical situation you've got to decide that but mathematically yeah income will solve a lot of your problems this is the Dave Ramsey show.

one K eighty seven thousand dollars sixty days one nine thousand dollars ten thirty five percent seven thousand dollars twenty five percent thousand dollars hundred percent ten percent thirty days three years
"one nine thousand dollars" Discussed on KSFO-AM

KSFO-AM

06:48 min | 2 years ago

"one nine thousand dollars" Discussed on KSFO-AM

"You hi Barton BA god how can I help and I took out a loan on my floor against my phone que in on just off my job and I'm pondering whether I should pay off the loan or take a hit with the penalty in the tax do you have the money to pay off the loan no I do not have enough cash to pay off the loan how would you pay it off I could use some cash and I could take out on the dance on a line of credit I have okay I probably would do that because if you don't pay it off within sixty days it's considered an early withdrawal as you said and you'll be touch charged ten percent penalty plus your tax rate so if you're in a twenty five percent tax bracket the B. twenty five plus ten thirty five percent and that's pretty heavy interest rate yes so that's why we tell people not to borrow on their four oh one K. loans are on the four oh one K.'s ever because I found themselves in a situation like you are in are you married no I'm single he landed a new job no I have not a good boss let out a few weeks ago okay cool what were you doing I'm an accountant uhhuh okay when having trouble landing an accounting position what part of Colorado where you I need to enter and I don't think it'll be difficult to land a job and just relocating to Florida to be closer to family home okay so I just kind of waiting for a good transition carries with my son in his school number out to Florida okay which would be like now when he gets out for Christmas right right okay because I don't have a how are you living on a sense of you you don't it doesn't give me money how are you living well Colorado street on the corner and I do have savings again about seven thousand in savings or have my murder merchantreach I my thousand dollars I'm kind of bridging my household budget with my savings in the unemployment and I have a a renter a prince maybe soon didn't the needle to arms not taking anymore that yeah I'm wondering if there's some people though you condition contract worth work here at the end of the year right there in Denver until you get ready to leave I bet you could probably find a couple weeks worth of work people doing wrap up stuff on your in books yeah I think that's what my dream was going to be as far as I'm concerned for her work until now while this season here people are taking medications how much is your four oh one K. loan weren't you that it's one nine thousand dollars okay I would not I would not order would tear yeah I would not pay it off today I I want you to get moved in get re employed because seven thousand dollars that you having cash is very precious right now we need to protect that money we are not far which concern I'm like if I should should I keep the accounts are such a also room in which would be the best option to do well I do want to loan paid off but I would not change any cash to pay it off you know I tell you if you wanna get that line of credit and pay it off with that line of credit right now and just move it to that at least that'll keep you from getting hit no matter what and because I don't want you to get up to the end of the sixty days and and not have this done so let's go ahead and get that down the line of credit a hundred percent don't use any of your cash yeah okay and then and then then you when you get moved if you've got any cash start your debt snowball which would entail paying down the line of credit of course so we're entering usually cash but only after the crisis is behind this and your score in the middle of a crisis you've got very little money a new car and you're making a move from Denver to Florida and you're gonna wait thirty days or so to do that so you you know you gotta get with this could you gotta get that other job I think I'd make a trip to Florida and start looking for a job I don't think I'm a wait till I get there look because I'd love for you to start work like the second week of January in Florida and your son started a new school the I. yeah let's get let's get really assertive and and proactive on this whole situation all right let's go back to Michael's if we can get him to work this time or get you get a phone work anyway Michael how can I help Hey Dave other going better than I deserve falcon and what's up yes me and my wife were in the body we just recently moved back from Texas to California and move in with their in laws we hear eighty seven thousand dollars in debt most of all that is in collections and I have been accumulated over the last three years and trying to this site should I go back to work and workers currently working we have three kids with the born actor home but I'm taking care of cool tone I had a medical condition you know I had to stop working at a calendar of last year it's been kind of tight for the last year we're trying to just figure out you know should I go back to work on her store online business jacket black here learning about on like this is something that I did check out previously we've been learning about it for a year and have made no money wasn't well I had a bunch of medical stuff in between that so when I could I would learn can't fix that would make sense yeah well no I mean I understand you've got a medical issue or or or for but but they don't take it doesn't take a year to learn how to do online and turn on one and the money takes about a day so I mean it's really not rocket science so you know you got a lot been online is just another way of connecting to people on another way of you know turning some business model in a digital format into actual money monetizing is what really it shouldn't take a year shouldn't take a month so yeah I here's the problem I don't know your medical situation I don't know what all you been facing it's obviously been pretty overwhelming but what I am hearing loud and clear is that you guys need money yeah the only way I know warm the only thing in place on the money comes from his work and so I don't know what kind of work you do what you do it from home when you do the online I don't know what you do but yes you need to be generating income.

one K sixty days eighty seven thousand dollars one nine thousand dollars ten thirty five percent seven thousand dollars twenty five percent thousand dollars hundred percent ten percent thirty days three years
"one nine thousand dollars" Discussed on KTAR 92.3FM

KTAR 92.3FM

06:51 min | 2 years ago

"one nine thousand dollars" Discussed on KTAR 92.3FM

"How are you hi Barton BA god how can I help I'm calling because I took out a loan on my floor against my phone que in on just off my job and I'm pondering whether I should pay off the loan or take a hit with the penalty in the tax you have the money to pay off the loan no I do not have enough cash to pay off the loan how would you pay it off I could use some cash and I could take down the dance on a line of credit I have okay I probably would do that because if you don't pay it off within sixty days it's considered an early withdrawal leisure said and you'll be touch charged ten percent penalty plus your tax rate so if you're in the twenty five percent tax bracket the B. twenty five plus ten thirty five percent and that's pretty heavy interest rate yes so that's why we tell people not to borrow on their four oh one K. loans are on the four oh one K.'s ever because I found themselves in a situation like you are in are you married no I'm single have you landed a new job no I have not been a good boss went out a few weeks ago okay cool what were you doing I'm an accountant uhhuh okay when having trouble landing an accounting position what part of Colorado where you and I don't think it'll be difficult to land a job I'm just relocating to Florida to be closer to family home okay so just kind of waiting for a good transition Terry with my son and his school number out to Florida okay which would be like now when he gets out for Christmas right right okay because I don't know how are you living on a certain sound when you you don't it doesn't give me money how are you living well Colorado we can on the planet and I do have savings again about seven thousand in savings or have my emergency fund my thousand dollars I'm kind of bridging my household budget with my savings in the unemployment and I have a a renter arrangements made these new didn't the needle to arms not not Diggin anymore that fell I'm wondering if there's some people though you can get some contract worth work here at the end of the year right there in Denver until you get ready to leave I bet you could probably find a couple weeks worth of work people doing wrap up stuff on your in books yeah I think that's what my thing with them being as far as I'm concerned for your work until you know while the seasons here people are taking medications yeah how much is your four oh one K. loan work it out it's one nine thousand dollars okay I would not I would not yeah I would not pay it off today I I want you to get moved in get re employed because seven thousand dollars that you having cash is very precious right now we need to protect that money we are not far was concerned like if I should try to keep their costs are such a also learn in what should be the best option to do well I do want to loan paid off but I would not use any cash to pay it off you know I tell you if you want that line of credit and pay it off with that line of credit right now and just move it to that at least that'll keep you from getting hit no matter what and because I don't want you to get up to the end of the sixty days and and not have this done so let's go ahead and get that down the line of credit a hundred percent don't use any of your cash yeah okay and then and then then you when you get moved if you've got any cash start your debt snowball which would entail paying down the line of credit of course so we're gonna turn use the cash but only after the crisis is behind us and your score in the middle of a crisis you've got very little money and you and you're making a move from Denver to Florida and you're gonna wait thirty days or so to do that so you you know you gotta get with this could you gotta get that other job I think I'd make a trip or two to Florida and start looking for a job I don't think I'm a wait till I get there look because I'd love for you to start work like the second week of January in Florida and your son started a new school the I. yeah let's get let's get really assertive and and proactive on this whole situation all right let's go back to Michael's if we can get him to work this time or get you get a phone work anyway Michael how can I help Hey Dave other going better than I deserve how come what's up yes me and my wife were in a bind we just recently moved back from Texas to California to move in with their in laws we hear eighty seven thousand dollars in debt most of all that is in collections and I have been accumulated over the last two years and trying to decide if I should I go back to work and is currently working we have three kids with the born at the home yeah I'm taking care of cool tone I had a medical condition and you know I had to stop working at the moment of last year it's been kind of tight for the last year we're trying to just figure out you know should I go back to work on our start my own business tested Blackshear learning about on like this is something that I did take a cop previously we've been learning about it for a year and have made no money within well I had a bunch of medical stuff in between that so when I clearly I would learn if that would make sense yeah well no I mean I understand you've got a medical issue or or or for but but they don't take it doesn't take a year to learn how to do online and turn on line and the money takes about a day so I mean it's really not rocket science so you know you got is not been online is just another way of connecting to people on another way of you know turning some business model in a digital format into actual money monetizing answer really it shouldn't take a year shouldn't take a month show yeah I here's the problem I don't know your medical situation I don't know what all you been facing it's obviously been pretty overwhelming but what I am hearing loud and clear is that you guys need money yeah the only way I know warm the only thing a place on the money comes from his work and so I don't know what kind of work you do what you do it from home when you do the online I don't know what you do but yes you need to be generating income yesterday somehow some way.

one K sixty days eighty seven thousand dollars one nine thousand dollars ten thirty five percent seven thousand dollars twenty five percent thousand dollars hundred percent ten percent thirty days two years
"one nine thousand dollars" Discussed on KFI AM 640

KFI AM 640

01:56 min | 3 years ago

"one nine thousand dollars" Discussed on KFI AM 640

"Or Afghanistan anytime from two thousand three through two thousand fifteen and are now suffering from diagnosed hearing loss or tonight is you may be entitled to significant cash compensation call eight hundred nine four three five zero one nine right now every time is limited call eight hundred nine four three five zero one nine now to see if you qualify for cash compensation call eight hundred nine four three five zero one nine that's eight hundred nine four three five zero one nine eight hundred nine four three five zero one nine thousand dollar system I'm interested in just six point nine nine percent for one hundred eighty six point nine buyers with approved credit you got to be approved financing available to well qualified buyers on approved credit and an APR six point nine nine percent for a hundred and eighty miles with an estimated monthly payment a point eight nine percent of your purchase amount you can prepay your account at any time without penalty financing subject to credit requirements and satisfactory completion of finance documents any finance terms advertise are estimates only normally charges apply Sears shooting lending disclosures for more information. conditioning systems for ninety seven dollars and ninety cents a month go to get a. here we detail we'll keep you cool when it's hotter than. suffering from kia five formal missing out on more stimulating talk. phone your smart speaker your computer to your TV probably even some refrigerators. there's a million ways to listen but only one KFI. I was told my pack along the dusty when I'm up a room with a long game assume with the. Lou. settle down and. so much dust and sand tonight the. traveled every road in this. these are Johnny jets are traveling guy John joins us every week talk traveling through technology Hey Johnny hello Leo how did you.

Afghanistan KFI Sears John Lou. nine nine percent eight hundred nine four three ninety seven dollars eight nine percent
"one nine thousand dollars" Discussed on Escaping The Real Estate Investing Newbie Zone - Make Money In Real Estate Wholesaling Properties For Quick Cash

Escaping The Real Estate Investing Newbie Zone - Make Money In Real Estate Wholesaling Properties For Quick Cash

08:00 min | 3 years ago

"one nine thousand dollars" Discussed on Escaping The Real Estate Investing Newbie Zone - Make Money In Real Estate Wholesaling Properties For Quick Cash

"Meet them because it was only about four minutes from my own for internships meet them that key and then from there i mean three phone calls soda for nine thousand dollars in three now i probably could have gotten more and we talked about as example do an ushered in no numbers union. It'll just get excited because you know what we're going to. That was a great deal to happen at less than two weeks and then third you was it ill that i had used this word of mouth whereby was going out in the field. I saw somebody appointment social and that made with like needed some help aim it has a vacant home five hundred dollars for that and many a gentleman and he was able to give me in contact with his boyfriends is moths boyfriend and we close deal with him five grade. I gave a five hundred dollars yesterday with that on my instagram so just another burden strategy tonight units. We'll do title three deals out in the cold and the last one wow wow okay so that the saga bow <hes> the first nine thousand dollars okay so because we were. I'm going to ask you what i what did you use. The list of practicing was vacant list. <hes> i believe it was i know that you sent it over three minutes on the wish the one that you had up racer had been vacant louis freeh show the vegas <hes> big apps ownerless that okay so <hes> how how did you get in touch with the the homeowner <hes> so we used the text application over on that we got in contact with her as she was texting back my gotten forward there and she said someone else by the same name as me altered to lok and she was upset about estimate on cory joseph vickers the situation but i understood help and just having a mindset mold sales. I'm just eat help if it works for you works for me wherever we're going to do love the extra wholesale also say that the project worked for me. I'm gonna give it to one of our parts of group. Esters flip came ozone. It just worked with her and the reform goals three buys area until market that was a hot market was a lot easier to sell to make sure that ed right right now's. How's your first virtual. Does that correct nice nice night is okay so man <hes> sh- esco crazy mad because i remember when you i started a program like you say used avian. Deals and deals was a little slimmer. I'm like man coryell michelle how to get more profit because that's the biggest thing is you want the profit margin to be more because they reinvest you know the fifteen twenty percent twenty five percent whatever back into the mark of marketing and keep the rest to pay a bills in the corsino to fund your lifestyle things like that so yeah ma'am. I'm just proud of you. Man has been taken out of action. You know <hes> and and doing so so for people <hes> because i'm pretty sure there's been some challenges right. Of course we talked about. You know having to money for marketing <hes>. Would you say there's any myself challenge that you might have went through initially with an initially uncle my mind sa- challenge i know allowed outta. Listening is just having that confidence would you. Don't you know if you haven't got a deal done. You haven't got a significant deal. People can tell you certain things that i might knock you off a little bit but all messy just being shown no. Hey i know him at close. I mean more money than you ever meet a month at work or at an odd mental attitude and then also i use for me is writing down affirmations and goal and like speaking into this is like i've already spoken this august i think i watched their own uh-huh at like i had a roommate or and i was listening to the vikings evidently christie mistakes his religious so i'd definitely setting goals <hes> what we affirmation speeding into existence every day every morning eighteen minutes as being held <hes> mm-hmm another challenge you said was trying to give biggest fred's which i think that change once i got into a better market and local in the area absolute absolute slow perfect perfect okay so <hes> anyone has listening to this <hes> that is struggling or on you know i'm thinking about now. Maybe even getting into the mentorship program or whatnot. Would you recommend for anyone <hes> yeah. I would definitely recommend it. <hes> i mean the nike deal when having even if it wasn't for you from the list from using texting application and just happened at mindset through the trainings that i would do sellers in how to sell my deal <hes> and also swooping systems in place because to be honest. I'm not too good with skipping x._l. College students should be good at some of that so just having that being teach me coaching in your adam managed are virtual cisco could be a great partnership for me and my assistant <hes> i would definitely recommend. It's anyone's looking in the business anyone he may be tired of just doing in every single step a-to-z understanding the seasonal prostate you put in place so that we can come in the business and we had to do to tree successful so okay. Sam definitely are also corey. <hes> anybody has washington desk new. You know you're going to be able to relate to a lot of people that <hes> <hes> maybe a little bit younger and older two people as is in college. You know <hes> especially you know is challenging running a business while being fool down house while working <unk> things like that <hes>. What advice would you give them. A mini advice on gives people that are in college i would you say look around. You see where you really wanna be at five usenet like do you really wanna have over job or do really want to be free. Run your own millicent s. a. company amid all about where you wanna be at five years from now and kind of those things that aren't important and just stay focused in you know having fun of course but saint bankbook summation at udorn alia to be that you need to do with in your business and then anyone incorporate 'cause no had a corporate who different but it was exciting. Allergies say <hes> no our corporate america to have a bigger vision and just knowing you own unknown at this may be temporary doing now due to the best year abilities these which is on the back of your mind. Hey build something as well that can create casual created money for me along working this job absolute low of it all right so great advice from corey vigors out here of guys. We're going to be are probably <hes> we'll drop. This guys will be watching this live so anyways <hes> if you have any questions before if you want a j._v. with them on if you've got any deals you know especially in richmond petersburg. You know no that that d._m._v. area on well mainly for gene area. I should say because that's not too much d._n._v. but petersburg <hes> definitely <hes> appreciate convince me go to virginia beach as a richmond <hes>. Do you have anything corey. Aachen it getting content which estimate when you can get in contact with me on instagram grant every day all day as c. zero zero c._v. I c k zero zero. I'm definitely started totally more about investing. It is my opinion. I know what it takes to successful businesses. I'll shoot our guys. I'll make sure include the link to his s. Two grams so that what you can i'm lacking with the follow him and follow his journey all right so guys. You know my quote. Don't live the dream. Live your dream and i'll see you on the next week. Thanks for listening to escaping the r._e._i. Newbies own podcast at w._w._w. Dot escaped the newbies own dot com uh-huh..

corey vigors instagram louis freeh vikings nike Allergies coryell michelle cory joseph vickers petersburg Dot richmond petersburg millicent s. udorn alia adam virginia beach washington christie cisco Sam nine thousand dollars
"one nine thousand dollars" Discussed on WHAS 840 AM

WHAS 840 AM

05:33 min | 3 years ago

"one nine thousand dollars" Discussed on WHAS 840 AM

"Work fulltime in retail actually, my wife does the same. What's your household income? Twenty four thousand dollars coming into the house. Okay. Right. You got a couple of lousy jobs. Don't you? Yes, we do. I'm trying to change that. I'm not picking on you just going through. You can make more money, you make more money delivering pizzas and you're making right now. You're working forty hours at retail. Yes, sir. How old are you? Thirty eight years old. Okay. All right. I did ten years in the army get out of the two years ago. And unfortunately, this is the only thing that's happened so far, my life got you. Okay. Well, I think more than a credit card crisis. You have an income crisis. And I think you would agree with because you were already looking to do better. And I mean I truthfully you can deliver pizzas and make more money than you're making. Now you make fifteen hundred bucks a month. Delivering pizza at night that's eighteen thousand dollars a year. That's just doing it at night. Now, obviously, you'd have to take your retail. If you've gotta evening shifts, you'd have to take those off, but you'd make more. But that's all temporary. Stopgap. What I want you do say, what am I going to be doing when I'm forty eight that makes me not twelve thousand dollars a year, but makes me sixty five thousand dollars a year. Whatever number, you pick up a number. That's a lot more. And what are the steps? I've got to do to get to my get myself into that career. What of I gotta learn that I don't know what skills have I got to develop that? I don't know. Do I need to take a class certification? I don't care what do you want to be in the next phase of your life? And one of the to get there that makes you more money. That's the big deal. Now here's the thing you cannot borrow your way out of debt. I would not take out a credit card consolidation loan on your home. You're taking unsecured debt. That's very small and turning it into a secured debt against your home. I don't want this lean against your home, especially with your income as low as it is right now, I'm gonna leave it alone. Here's the, let's say that you guys could do something to increase your income pretty dramatically. And you cleared this debt or a lot of it within a couple of years, the amount of money you save on interest on half of your loan because really only half of it savings half of eight thousand dollars of the seventeen is at four percent. So the other half is really what expensive and so really? You're you got eight thousand bucks that you're saving about a thousand dollars a year in interest on a thousand dollars a year is not your problem on seventeen thousand dollars worth of debt, what you need is seventeen thousand dollars more. And that's where we go back to the income side of the equation. The working part time jobs, six of them selling everything in sight, and working your long term career choices and decisions. But, you know, we tell you to lift your death, smallest largest attack them in that order. So oddly enough. Your smallest debts are your highest interest rate debts in your case. And so that first nine thousand dollars worth of debt that you pay off will be the twenty percent interest stuff because it's the smaller debts than the eight thousand at four percent. And so we start at smallest to largest regardless of interest rate in your case. It happens to be also correlating properly with the interest rate and you just attack and go in that order from this point forward, go right? On down the list, and make sure you know what's going on. So that's what I would do. I would spend ninety percent of my efforts right now on developing income for the short term with extra part time jobs, six of them. Whether it's dog-walking cutting grass delivering pizzas. I don't care. Maybe you're an internet expert and you start building websites for people, I don't care, but we're gonna do side hustle. Some kind grind hustle ground. We're gonna sell stuff and then long term, we're gonna get your incomes way up because we're going to really really, really focus on, what that long-term careers of what are the steps to move into it that makes you four or five times what you make now because you're, you know, the biggest thing you're facing here is not a big polit. It's a lack of income in your situation and again, please hear me. That's not a shame. You appreciate your service to the country. I want you to go win. Hold on. I'm gonna send you a copy of the book the total money makeover, which will walk you through exactly what to do how to do it, where we go from here. Thanks for the call open. Phones at triple eight, eight to five five two two five you jump in Gerri is on Twitter says, what's the difference between an E L P and a Smartvestor pro? Well, I'll go beyond that I have three kinds of things that I do endorsements for that. Don't work for me. And I don't own any part of their companies I simply found them. They do what I teach and our listeners need them and they pay me for their endorsements. Endorsement. Number one is a simple radio endorsement in some of your cities, you might hear heating and air company and I endorse that heating and air company. I don't own anything there, they paid me an endorsement fee. We're very careful not to endorse companies we haven't checked out, and that we wouldn't send my sister to, you know, if you send your relative there, we don't we don't endorse them, and we don't.

Twitter Stopgap army E L P seventeen thousand dollars thousand dollars four percent Twenty four thousand dollars sixty five thousand dollars eighteen thousand dollars twelve thousand dollars eight thousand dollars nine thousand dollars Thirty eight years ninety percent twenty percent forty hours ten years two years
"one nine thousand dollars" Discussed on 106.1 FM WTKK

106.1 FM WTKK

06:17 min | 3 years ago

"one nine thousand dollars" Discussed on 106.1 FM WTKK

"Work full-time in retail. Actually, my wife does the same. What's your household income? Twenty four thousand dollars coming into a house. Okay. Right. You got a couple of lousy jobs. Don't you? Yes, we do. I'm trying to change that. I'm not picking on you. Just going through. You can make more money, you make more money delivering pizzas and you're making right now. You're working forty hours at retail. Yes, sir. How old are you? Thirty eight years old. Okay. All right. I did ten years in the army, I got out of the army two years ago. And unfortunately, this is the only thing that's happened so far my life. Gotcha. Okay. Well, I think more than a credit card crisis. You have an income crisis. And I think you would agree with me because you were already looking to do better. And I mean I truthfully you can deliver pizzas and make more money than you're making. Now you can make fifteen hundred bucks a month. Delivering pizza at night that's eighteen thousand dollars a year. That's just doing it at night. Now, obviously, you'd have to take your retail. If you've gotta evening shifts, you'd have to take those off, but you'd make more. But that's all temporary. Stopgap what I want you to do is say, what am I going to be doing when I'm forty eight that makes me not twelve thousand dollars a year, but makes me sixty five thousand dollars a year. Whatever number, you pick up a number. That's a lot more. And what are the steps? I've got to do to get to get myself into that career. What have I got to learn that? I don't know what skills have I gotta develop? I don't know. Do I need to take a class certification? I don't care what do you want to be in the next phase of your life? And one of the steps to get there that makes you more money. That's the big deal. Now here's the thing you cannot borrow your way out of debt. I would not take out a credit card consolidation loan on your home. You're taking an unsecured debt. That's very small and turning it into a secured debt against your home. I don't want this lean against your home, especially with your income as low as it is right now. I'm going to leave it alone. Here's the, let's say that you guys could do something to increase your income pretty dramatically. And you cleared this debt or a lot of it within a couple of years, the amount of money you save on interest on half of your loan because really only half of savings half of eight thousand dollars of the seventeen is at four percent. So the other half is really what's expensive and so really. You got eight thousand bucks that you're saving about a thousand dollars a year in interest on a thousand dollars a year is not your problem on seventeen thousand dollars worth of debt, what you need is seventeen thousand dollars more. And that's where we go back to the income side of the equation. The working part time jobs, six of them selling everything in sight, and working your long term career choices and decisions. But, you know, we tell you to list your debts smallest largest and attack them in that order. So oddly enough. Your smallest debts are your highest interest rate debts in your case. And so that first nine thousand dollars worth of debt that you pay off will be the twenty percent interest stuff because it's the smaller debts than the eight thousand at four percent. And so we lift at smallest to largest regardless of interest rate in your case it happens to be also correlating properly with the interest rate and you just attack and go in that order from this point forward, go right? Right on down the list, and make sure you know what's going on. Show that that's what I would do. I would spend ninety percent of my efforts right now on developing income for the short term with extra part time jobs, six of them. Whether it's dog-walking cutting grass delivering pizzas. I don't care. Maybe you're an internet expert and you start building websites for people, I don't care, but we're gonna do side-hustle or some kind some ground hustling ground. We're gonna sell stuff and then long term or, and get your incomes way up because we're going to really really, really focus on, what that long-term careers of what are the steps to move into it that makes you four or five times what you make now because you're, you know, the biggest thing you're facing here is not a big Papa debt. It's a lack of income in your situation, and again, please hear me that's not to shame, you appreciate your service to the country. I want you to go win. Hold on. I'm gonna send you a copy of the book the total money makeover, which will walk you through exactly what to do how to do it, where we go from here. Thanks for the call open. Phones at triple eight, eight to five five two two five you jump in Gerri is on Twitter, says day, what's the difference between an E L P and a Smartvestor pro. Well, I'll go beyond that I have three kinds of things that I do endorsements for that. Don't work for me. And I don't own any part of their companies I simply found them. They do what I teach and our listeners needed them and they pay me for their endorsements. Endorsement. Number one is a simple radio endorsement in some of your cities, you might hear heating and air company and I endorse that heating and air company. I don't own anything there, they paid me an endorsement fee. We're very careful not to endorse companies we haven't checked out, and that we wouldn't send my sister to, you know, if you wouldn't send your relative there, we don't we don't endorse them, and we don't send our listeners there. That includes national advertisers lecture, Churchill mortgage has been with me for twenty five years. Zanderinsurance has been with me for over twenty years. I don't own anything any part of those companies I'd not in those businesses. I'm not insurance business. I'm not in the mortgage business, and we have sent millions and millions and millions of customers their way over several decades and they pay us for the radio ads which include my endorsement, the second thing, the second kind of endorsement is the LP's the endorsed local providers. There are several types of. Those real estate agents their local in your area. I endorse.

Twitter Zanderinsurance Churchill E L P seventeen thousand dollars thousand dollars four percent Twenty four thousand dollars sixty five thousand dollars eighteen thousand dollars twelve thousand dollars eight thousand dollars nine thousand dollars Thirty eight years twenty five years ninety percent twenty percent twenty years forty hours
"one nine thousand dollars" Discussed on 106.1 FM WTKK

106.1 FM WTKK

07:31 min | 3 years ago

"one nine thousand dollars" Discussed on 106.1 FM WTKK

"Much credit card debt if he got. About seventeen thousand dollars. Okay. And what is your interest rates? One credit card is for percents. And the other two are twenty and twenty two percent. Okay. How much what's the balance on the four percent? About eight thousand dollars. Okay. So half of its four percent. Have you been offered a consolidation loan? My banker currently offering a secured loan with an interest rate of three point six percent. Secured. Secured by what? Secured by them. No secured loan has collateral that you're putting up something with a lean on it. Are they taking on your house, a lien on your car? A lean on a Bank account. What? It would be my husband. Okay. All right. And what is your income, sir? My income is about twelve thousand dollars a year. Time. Why? Are you a student? I work fulltime in retail. Actually, my wife does the same. What's your household income? Twenty four thousand dollars coming into the house. Okay. Right. You got a couple of lousy jobs. Don't you? Yes, we do. I'm trying to change that. I'm not picking on you just going through. You can make more money, you make more money delivering pizzas and you're making right now. You're working forty hours at retail. Yes, sir. How old are you? Thirty eight years old. Okay. Ten years in the army, get out of the two years ago, and unfortunately, this is the only thing that's happened so far, my life got you. Okay. Well, I think more than a credit card crisis. You have an income crisis. And I think you would agree with me because you were already looking to do better. And I mean I truthfully you can deliver pizzas and make more money than you're making. Now you make fifteen hundred bucks a month. Delivering pizza at night that's eighteen thousand dollars a year. That's just doing it at night. Now, obviously, you'd have to take your retail. If you've gotta evening shifts, you'd have to take those off, but you make more. But that's all temporary. Stopgap what I want? You do is say, what am I going to be doing when I'm forty eight. That makes me not twelve thousand dollars a year, but makes me sixty five thousand dollars a year. Whatever number, you pick up a number. That's a lot more. And what are the steps? I've got to do to get to get myself into that career. One of I gotta learn that I don't know what skills have I got a develop that I don't know. Do I need to take a class certification? I don't care. What do you wanna? Be in the next phase of your life. And one of the steps to get there that makes you more money. That's the big deal. Now here's the thing you cannot borrow your way out of debt. I would not take out a credit card consolidation loan on your home. You're taking an unsecured debt. That's very small and turning it into a secured debt against your home. I don't want this lean against your home, especially with your income as low as it is right now, I'm gonna leave it alone. Here's the, let's say that you guys could do something to increase your income pretty dramatically. And you cleared this debt or a lot of it within a couple of years, the amount of money you save on interest on half of your loan because really only half of his savings half of eight thousand dollars of the seventeen is at four percent. So the other half is really what's expensive. And so really you're, you got eight thousand bucks that you're saving about a thousand dollars a year. And. On a thousand dollars a year is not your problem on seventeen thousand dollars worth of debt, what you need is seventeen thousand dollars more. And that's where we go back to the income side of the equation. The working part time jobs, six of them selling everything in sight, and working your long term career choices and decisions. But, you know, we tell you to list your debt, smallest largest and attack them in that order. So oddly enough. Your smallest debts are your highest interest rate debts in your case. And so that first nine thousand dollars worth of debt that you pay off will be the twenty percent interest stuff because it's the smaller debts than the eight thousand at four percents. And so we smallest to largest regardless of interest rate in your case it happens to be also correlating properly with the interest rate and you just attack and go in that order from this point forward, go right on down the list, and make sure you know what's going on. So that's what I would do. I would spend ninety percent of my efforts right now on developing income for the short term with extra part time jobs, six of them. Whether it's dog-walking cutting grass delivering pizzas. I don't care. Maybe you're an internet expert and you start building websites for people. I don't care about. We're gonna do side-hustle of some kind ground hustling, ground. We're gonna sell stuff and then long term or, and get your incomes way up because we're going to really really, really focus on, what that long-term careers of what are the steps to move into it that makes you four or five times what you make now because you're, you know, the biggest thing you're facing here is not a big Papa debt. It's a lack of income in your situation, and again, please hear me that's not to shame, you appreciate your service to the country. I want you to go win. Hold on. I'm gonna send you a copy of the book the total money makeover, which will walk you through exactly what to do how to do it, where we go from here. Thanks for the call open. Phones at triple eight, eight to five five two two five you jump in Gerri is on Twitter day. What's the difference between an e L P and a Smartvestor pro? Well, I'll go beyond that I have three kinds of things that I do endorsements for that. Don't work for me. And I don't own any part of their companies I simply found them. They do what I teach and our listeners needed them and they pay me for their endorsements. Endorsement. Number one is a simple radio endorsement in some of your cities, you might hear heating and air company and I endorse that heating air company. I don't own anything there, they paid me an endorsement fee. We're very careful not to endorse companies we haven't checked out, and that we wouldn't send my sister to, you know, if if you wouldn't send your relative there. We don't endorse them and we don't send our listeners there. That includes national advertisers lecture chill, mortgage has been with me for twenty five years, Zander insurance has been with me for over twenty years. I don't own anything any part of those companies I'd not in those businesses. I'm not an insurance business. I'm not know mortgage business, and we have sent millions and millions and millions of customers their way over several decades, and they pay us for the radio ads which include mine -dorsements, the second thing, the second kind of endorsement is the LP's the endorsed local providers. There are several types of. Those real estate agents their local in your area..

Zander insurance Twitter seventeen thousand dollars four percent twelve thousand dollars eight thousand dollars thousand dollars Twenty four thousand dollars sixty five thousand dollars eighteen thousand dollars nine thousand dollars Thirty eight years twenty two percent twenty five years ninety percent twenty percent
"one nine thousand dollars" Discussed on 710 WOR

710 WOR

06:16 min | 3 years ago

"one nine thousand dollars" Discussed on 710 WOR

"Work fulltime in retail actually, my wife does the same. What's your household income? Twenty four thousand dollars coming into a house. Okay. Right. You got a couple of lousy jobs. Don't you? Yes, we do. I'm to change that. I'm not picking on you. Just going through. I think you can make more money. You make more money delivering pizzas and you're Megan right now. You're working forty hours at retail. Yes, sir. How old are you? Thirty eight years old. Okay. All right. I did ten years in the army, I get out of the army two years ago. And unfortunately, this is the only thing that's happened so far in my life. Gotcha. Okay. Well, I think more than a credit card crisis. You have an income crisis. And I think you would agree with me because you were already looking to do better. And I mean I truthfully you can deliver pizzas and make more money than you're making. Now you can make fifteen hundred bucks a month. Delivering pizza at night that's eighteen thousand dollars a year. That's just doing it at night. Now, obviously, you'd have to take your retail. If you've gotta evening shifts, you'd have to take those off, but you'd make more. But that's all temporary. Stopgap what I want you to do is say, what am I going to be doing when I'm forty eight that makes me not twelve thousand dollars a year, but makes me sixty five thousand dollars a year. Whatever number, you pick up a number. That's a lot more. And what are the steps? I've got to do to get to get myself into that career. What have I got to learn that? I don't know what skills have I got to develop that. I don't know. Do I need to take a class certification? I don't care what do you want to be in the next phase of your life? And one of the Phipps to get there that makes you more money. That's the big deal. Now here's the thing you cannot borrow your way out of debt. I would not take out a credit card consolidation loan on your home. You're taking an unsecured debt, that's very small and turning it into a secure debt against your home. I don't want this lean against your home, especially with your income as low as it is right now, I'm gonna leave it alone. Here's the, let's say that you guys could do something to increase your income pretty dramatically. And you cleared this debt or a lot of it within a couple of years, the amount of money you save on interest on half of your loan because really only half of its savings half of eight thousand dollars of the seventeen is at four percent. So the other half is really what's expensive and so really. You got eight thousand bucks that you're saving about a thousand dollars a year in interest on a thousand dollars a year is not your problem on seventeen thousand dollars worth of debt, what you need is seventeen thousand dollars more. And that's where we go back to the income side of the equation. The working part time jobs, six of them selling everything in sight, and working your long term career choices and decisions. But, you know, we tell you to lift your debts smallest largest and attack them in that order. So oddly enough. Your smallest debts are your highest interest rate debts in your case. And so that first nine thousand dollars worth of debt that you pay off will be the twenty percent interest stuff because it's the smaller debts than the eight thousand at four percent. And so we lift our smallest to largest regardless of interest rate in your case it happens to be also correlating properly with the interest rate and you just attack and go in that order from this point forward, go right? On down the list, and make sure you know what's going on. So that's what I would do. I would spend ninety percent of my efforts right now on developing income for the short term with extra part-time jobs, six of them. Whether it's dog-walking cutting grass delivering pizzas. I don't care. Maybe you're an internet expert and you start building websites for people, I don't care, but we're gonna do side-hustle of some kind hustle, and grind hustle and grind. We're gonna sell stuff, and then long-term we're gonna get your incomes way up because we're going to really really, really focus on, what that long-term careers of what of the steps to move into it that makes you four or five times what you make now because you're, you know, the biggest thing you're facing here is not a big poverty debt. It's a lack of income in your situation, and again, please hear me that's not to shame, you appreciate your service to the country. I want you to go win. Hold on. I'm gonna send you a copy of the book the total money makeover, which will walk you through exactly what to do how to do it, where we go from here. Thanks for the call open. Phones at triple eight eight to five five two two five you jump in. Gary is on Twitter says day, what's the difference between an E L P and a Smartvestor pro? Well, I'll go beyond that I have three kinds of things that I do endorsements for that. Don't work for me. And I don't own any part of their companies I simply found them. They do what I teach and our listeners needed them and they pay me for their endorsements. Endorsement. Number one is a simple radio endorsement in some of your cities, you might hear a heating and air company and I endorse that heating and air company, I don't own anything there, they paid me an endorsement fee. We're very careful not to endorse companies we haven't checked out, and that we wouldn't send my sister to, you know, if, if you wouldn't send your relative there, we don't we don't endorse them, and we don't send our listeners there. That includes national advertisers lecture, Churchill mortgage has been with me for twenty five years. Zanderinsurance has been with me for over twenty years. I don't own anything any part of those companies I'd not in those businesses. I'm not an insurance business. I'm not know mortgage business, and we have sent millions and millions and millions of customers their way over several decades and they pay us for the radio ads which include my endorsement, the second thing, the second kind of endorsement is the LP's the endorsed local providers. There are several types of. Those real estate agents their local in your area. I endorse them..

Megan Phipps Zanderinsurance Churchill Twitter Gary E L P seventeen thousand dollars thousand dollars four percent Twenty four thousand dollars sixty five thousand dollars eighteen thousand dollars twelve thousand dollars eight thousand dollars nine thousand dollars Thirty eight years twenty five years ninety percent
"one nine thousand dollars" Discussed on Xtra Sports Radio 1300 AM

Xtra Sports Radio 1300 AM

01:36 min | 3 years ago

"one nine thousand dollars" Discussed on Xtra Sports Radio 1300 AM

"The flick. A tree branch slams through the window were are you hurt? I just gotta scratch on my chest. Your chest of drawers can't help you in a windstorm. But the Geico insurance agency can help you get covered for personal property damage co Geico to see. Our forcible homeowners insurance can be a new year brings with it a chance for a fresh start. You could say we're all back to two zero especially when it comes to our Bank accounts. We're giving you a chance to undo some of that damage. The holidays did to your wallet. Be listening at seven AM ten AM one pm and four PM. Don't your chance to win a thousand dollars. When you hear the keyword texted two nine five eight one nine thousand dollar pay off sponsored by bullseye, plumbing, heating and air the best you can get for complete details. Log onto extrasports thirteen hundred dot com. Go mortgage. No, one cares. More about your mortgage loan. Visit indigo Colorado dot com. Abe's high blood pressure, anxiety meds, everyone's on them. If you're a fifty year old male, maybe a bit beefy, you're even with type two diabetes. A million dollars of term insurance may only cost you about two hundred bucks a month. Affordable term life insurance is out there. Call termprovider and speak with big Lou at eight hundred four eight one fourteen fifty eight eight hundred four eight one fourteen fifty eight or visit biglou dot com. Remember, big lou's like you. He's on meds too. When life gets hard. Remember only the toughest darkest purpose grapes survive and make it to harvest and. When they get completely crushed by gigantic juice press. What you wanna happy ending life is not Kombucha the world's toughest antioxidants. Welches? Toughest, grapes..

Geico Lou termprovider Abe two nine five eight one nine t thousand dollars million dollars fifty year
"one nine thousand dollars" Discussed on Xtra Sports Radio 1300 AM

Xtra Sports Radio 1300 AM

01:38 min | 3 years ago

"one nine thousand dollars" Discussed on Xtra Sports Radio 1300 AM

"Next year on CBS sports radio. Individuals and businesses with tax problems, listen carefully. If you owe over ten thousand dollars in back taxes or have unfiled tax returns US Tax Shield can help you take back control. The IRS can seize your Bank accounts, garnish your paycheck, close your business and file criminal charges. Our team of tax attorneys can stop collections and get you protected. US Tax Shield offers a price protection guaranteed quote to get you protected today. US Tax Shield is eight plus rated with the BBB, so call eight hundred four six six ninety six twenty five US Tax Shield, eight hundred four six six ninety six twenty five. He started the DIY project at home. Then you realize convenience isn't always easy. The why in DIY doesn't mean why is this so hard at ADT f why do it for you? We customize and install secure smart home that you control from the palm of your hand, or at the sound of your voice smart security designed and installed just for you. With a visit ADT dot com slash smart. To learn more. License information available at ADT dot com. ADT real protection a new year brings with it. A chance for a fresh start. You could say we're all back to zero especially when it comes to our Bank accounts. We're giving you a chance to undo some of the damage. The holidays did to your wallet. Be listening at seven AM ten AM one pm four pm your chance to win a thousand dollars. When you hear the keyword texted two nine five eight one nine thousand dollar off sponsored by bullseye, plumbing, heating and air the best you can get for complete details. Log onto Xtra sports thirteen hundred Tonka. I'm.

US CBS BBB IRS two nine five eight one nine t ten thousand dollars thousand dollars
"one nine thousand dollars" Discussed on Xtra Sports Radio 1300 AM

Xtra Sports Radio 1300 AM

02:02 min | 3 years ago

"one nine thousand dollars" Discussed on Xtra Sports Radio 1300 AM

"Squire. No one out-pizzas the new year brings with it. A chance for a fresh start. You could say we're all back to zero especially when it comes to our Bank accounts. We're giving you a chance to undo some of the damage. The holidays did to your wallet. Be listening at seven AM ten AM one pm four pm for your chance to win a thousand dollars. When you hear the keyword texted two nine five eight one nine thousand dollar payoff sponsored by bullseye plumbing, heating and air the best you can get for complete details. Log on to xtrasports. With your Mayo Clinic Radio Health Minute, I'm Vivian Williams. Your child complained of an itchy sore throat that hurts when they swallow most often it's a viral infection that will go away on its own you can treat the symptoms. But there is no cure for a cold or flu virus says Dr Tina Arden simply vote work for a viral infection. If your child complains of throat pain without coughing. It may be a sign of a different upper respiratory illness is specific bacterial infection that can happen in the back of the throat telltale signs include tiny red spots at the back of the roof of the mouth or red and swollen tonsils if it strep throat, you're only going to have symptoms related to the back of the throat fever. Maybe a headache sore throat your healthcare provider can do lab tests to confirm if it strep throat and offer antibiotics to treat the bacterial infection. For more information talk with your healthcare provider or visit mayoclinic dot org. I'm Jay Farner, CEO of Quicken Loans, America's premier home purchase lender. We've created a new way to protect you from unpredictable interest rates are exclusive rate shield approval. I we lock your interest rate for up to ninety days. Then if rates go up your rate stays locked. But if rates go down your rate drops either way you win. Call us today at eight hundred quicken or go to rocketmortgage dot com, racial approval. Only valid on certain thirty year fixed rate loans. Call for cost information and conditions. Equal housing lender. License in all these animal last number thirty thirty additional conditions are exclusions may apply. Westwood.

throat pain Quicken Loans Mayo Clinic Dr Tina Arden Squire. Vivian Williams swollen tonsils Jay Farner red spots Westwood headache cold xtrasports America CEO two nine five eight one nine t
"one nine thousand dollars" Discussed on Xtra Sports Radio 1300 AM

Xtra Sports Radio 1300 AM

01:49 min | 3 years ago

"one nine thousand dollars" Discussed on Xtra Sports Radio 1300 AM

"Get a cast it with all of you two eight six zero zero four six last call for your thoughts on this Thursday. We'll get to him next on extra sports thirteen hundred a new year brings with it. A chance for a fresh start. You could say we're all back to zero especially when it comes to our Bank accounts. We're giving you a chance to undo some of that damage. The holidays did your wallet. Be listening at seven AM ten AM one pm and four PM your chance to win a thousand dollars. When you hear the keyword texted two nine five eight one nine thousand dollar pay payoff sponsored by bullseye plumbing, heating and air the best you can get for complete details. Log onto extrasports thirteen hundred dot com. I'm Jay Farner, CEO of Quicken Loans, America's premier home purchase lender. Today's fluctuating interest rates can leave you with unexpected higher mortgage payments at Quicken Loans. We've created a new way to protect you from unpredictable interest rates. So you can buy a home with certainty. It's called rate shield, and here's how it works with rate shield. You can lock your interest rate while you shop for a new home. So if rates go up, you don't have to worry. And here's the best part. If rates go down you get the lower rate with rates shield. We really have you covered. Here are more reasons why you wanna work with America's largest mortgage lender. For eight years in a row now Jd power has ranked Quicken Loans highest in the nation in. Customer satisfaction for primary mortgage origination. And for the fifth year in a row, they've also ranked us highest in the nation for mortgage servicing rake shield another way, we can save you money on your mortgage. Call us today at eight hundred quicken or go to rocketmortgage dot com. Basin. Rocket mortgage data in comparison to public data records, racial approval, only valid on certain thirty or purchase transactions. Call for cost information conditions. Equal housing lender. Licensed in all fifty states MLS number thirty thirty additional conditions or exclusions may apply in twenty nine nineteen extra sports thirteen hundred is your championship station. Westwood one's coverage of Super Bowl fifty three..

Quicken Loans America Jay Farner Westwood CEO two nine five eight one nine t thousand dollars eight years