35 Burst results for "Quicken Loans"

"quicken loans" Discussed on WCPT 820

WCPT 820

01:31 min | Last month

"quicken loans" Discussed on WCPT 820

"So they can enjoy happy, healthy, well deserved retirements. To learn how you can help America's four footed heroes, visit American humane dot org. WCW CPT 8 20, where facts matter. 3.875% APR 4.05%, but choosing the right mortgage lender means choosing much more than just a rate. Let me ask you, does calling the company with the best client service in America? With 11 JD power awards to prove it matter. Does calling the company that invented rocket mortgage, the industry's most innovative client focused technology matter. Does calling the company with 17,000 plus team members who are helping to rebuild the great cities of Detroit and Cleveland matter. Of course it matters. No wonder our clients have made quicken loans, America's number one online lender. Call quicken loans today at 800 quicken or go to rocket mortgage dot com for the best mortgage experience on earth. That's 800 quicken call for cost information and conditions, equal housing lender licensed in all 50 states, and MMS consumer access dot org, number 30 30. Missed my opening rant today, it's usually published over a Hartman report dot com where you can read it and share it with your friends for free. Check it out. Hartman report dot com

"quicken loans" Discussed on WCPT 820

WCPT 820

01:36 min | 4 months ago

"quicken loans" Discussed on WCPT 820

"Start a wildfire. I understand the stakes are high. Ha, ha, ha ha. Learn more, smokey bear dot com. Brought to you by the U.S. forest service. Your state Forrester and the ad council. What did you see PT 8 20 Chicago's progressive talk where facts matter? Lumber liquidators get high quality flooring at low yard sale prices, like what look waterproof floors from just 39 cents. All dream home X two O water resistant laminate is on sale. Pre finished hard, wood is starting at one 49. Get more deals in store while supplies last. Plus, special project financing and professional installation with install plus hurry visit lumber liquidators dot com to find the lumber liquidators store near you today. I'm Jay farner from quicken loans. Choosing the right mortgage lender involves much more than just a rate. Quicken loans has earned 11 JD power awards for client satisfaction. And we invented rocket mortgage, a simpler, hassle free way to get a mortgage completely online. No one else has anything like it. So choose quicken loans. America's number one online lender called quicken loans today at 800 quicken or go to rocket mortgage dot com that's 800 quicken. Equal housing lender limitless number 30 30. Missed my opening rant today, it's usually published over to Hartman report dot com where you can read it and share it with your friends for free. Check it out. Hartman report dot com. Welcome back 21 minutes past. They are Jim and Long Beach, California. Hey Jim, thanks for listening to the

"quicken loans" Discussed on WCPT 820

WCPT 820

01:56 min | 5 months ago

"quicken loans" Discussed on WCPT 820

"And two U.S. adults have high blood pressure. That's why it's important to self monitor your blood pressure in four easy to remember steps. It starts with a monitor. Be next to doctor your doctor about your blood pressure numbers. Get down with your blood pressure. Self monitoring is power. Visit manage your BP dot org. Brought to you by the ad council, the American Heart Association and the American medical association. In partnership with the office of minority health and health resources and services administration. What would you see PT 8 20 Chicago's progressive talk where facts matter? Lumber liquidators get high quality flooring at low yard sale prices, like what look waterproof floors from just 39 cents. All dream home X two O water resistant laminate is on sale. Pre finished hard wood is starting at one 49. Get more deals in store while supplies last. Plus, special project financing and professional installation with install plus hurry visit lumber liquidators dot com to find the lumber liquidators store near you today. I'm Jay farner from quicken loans. Choosing the right mortgage lender involves much more than just a rate. Quicken loans has earned 11 JD power awards for client satisfaction. And we invented rocket mortgage, a simpler, hassle free way to get a mortgage completely online. No one else has anything like it. So choose quicken loans. America's number one online lender called quicken loans today at 800 quicken or go to rocket mortgage dot com that's 800 quicken equal housing lender and MLS number 30 30. This by opening rant today is usually published over a Hartman report dot com where you can read it and share it with your friends for free. Check it out. Hartman report dot com. If you're a dog parent, you've likely likely seen your dog deal with excess itchy nose that's our dog chewie, a dry coat of sensitive stomach. That's our dog blue or stiff joints. These problems are extremely common and surprisingly, many of these issues are

"quicken loans" Discussed on GOLF.com Podcast

GOLF.com Podcast

03:46 min | 9 months ago

"quicken loans" Discussed on GOLF.com Podcast

"It's been a decade. Almost. Almost a full decade. He had a wicked stretch in 2014. How long ago does that feel? Like, it was very literally 7 and a half years. Yeah. Three quarters of a decade. So you're not crazy far off. I don't want to be selling off all these options that you're no, look, we got ten of them. You're selling a couple. That's okay. I think I'd be more inclined for a reason. I think I'd be more inclined to buy up some Martin kaymer stock than you are, but he's got to find the planet off the tee. I think that that's going to be the key to him. The third guy, Sean, he was actually even lower in the world rankings. These are in fairly arbitrary order. This gentleman is 39 years old. He peaked at number 5 in the world and his career peak was standing on the 12th T in the 2019 masters. He was on top of the world. He'd won the open championship. He'd been all time great in the Ryder Cup. He'd won the Arnold Palmer, invitational, the quicken loans, you'd finish top 6 and basically every event he'd seen. And then Francesco molinari found the water finished T 5 at the masters and was never heard from again. He finished like what, T 11 at the open later in 2019, 2020 he barely played 2021. He had a couple top 20s, he played okay at the genesis, finished T 8, he's finished in the top ten at the American Express the last two years, Sean, I'm not sure how close to the 5th major you consider or trip to Palm Springs every year. But are you buying or selling Francesco molinari stock? Buying. Because not that long ago. A lot has happened since then. A ton has happened for this guy since then, but he's bottomed out..

Martin kaymer Francesco molinari Sean Arnold Palmer Palm Springs
"quicken loans" Discussed on WJR 760

WJR 760

06:03 min | 9 months ago

"quicken loans" Discussed on WJR 760

"Santana and from 2003 to 2007 she worked in Livonia for quicken loans I think at that time it had about 1300 people talk about that chapter in your life Absolutely so coming out of getting a degree of finance at eastern Michigan university I had a lot of options on the table for job opportunities and at that time Jack the two biggest opportunities were Pfizer and quicken loans And so you know Pfizer was going to take me to New York and quicken loans was right in our backyard here in lavonia And so I had to make a decision And so I decided on clicking loans And I'm glad I did because I think that was a faith walk because the next day after I signed on to the job at quick alums Pfizer laid off a hundreds of employees right here in Ann Arbor And so that for me was just a testament to what faith can do if you follow the right path and listen to your spirit And I will say that go ahead No no go ahead I would say that quick and lost for me was the greatest experience coming into a company where innovation is rewarded And that for me spoke to the leadership of Dan Gilbert as well as his team All right Tell us about Dan Gilbert So I will say Dan Gilbert was definitely innovative and on the forefront of what we look at companies doing today for their employees which is making sure that the employee has everything imaginable and it's workspace to live work and play right in the company I think that one of the things that I really enjoyed about working at quick and wells was the fact that Dan Gilbert had the isms And if you know anything about quick emails this is basically the culture in the fiber of the company And these are the creed if you will that we followed as employees And I will say that you know definitely those things resonate with me today as a lawmaker For example we eat our own dog food is one of the isms You know innovation is rewarded but execution is either even better So those are the type of things that I think from a mantra of the company that have really helped it to succeed And also help to shape in the lives of so many people who work there Dan Gilbert if you're listening tonight and you need a new PR agent you just found her Senator Sylvia Santana All right you told me over breakfast a while ago that the biggest thing Dan Gilbert taught you was listen to your employees Yes absolutely I think that you know when you're listening to your employees they are the pulse of the company They are the ones who are producing for the company And I think one of the things that really has helped to resonate with me as a lawmaker and someone who has a small team of people is to listen to them and adhere to some of the counsel that they give Now whether or not I follow it that's another that's another answer but I will say that it has helped to you know in the district with my constituents making sure I understand what's going on on the ground As I work in Lansing but also it keeps me humble and also keeps me thinking about the goals of our constituents in our district All right from 2014 to 2016 you were a micro lending officer for prosper U.S. Detroit slash southwest economic solutions tell us about that organization You know I definitely loved working in the entrepreneurial space with small businesses I think you know growing up having a mother who owned an ice cream shop was a landlord on many properties as well as you know had a adventure fail with a car wash and a laundry mat I definitely thought that being in that space as a underwriter was the best space that I could be in Because I knew firsthand growing up you know helping my mom what it looked like to have a failed business versus a successful one And so being in a space where entrepreneurs did not have access to capital because their credit was not the best And banks would not take that risk We have the opportunity to help support them with a non traditional loan that did not have the red tape of traditional banking system And so we helped entrepreneurs minority mostly as well as immigrants to succeed at their dreams Right If there's a person tonight that says I'm a fledgling entrepreneur senator what can I do to find money What would you say to that person I would say the best resource that I have found to date is the biz grid Detroit biscuit And that is a resource that will help you to navigate what specifically you're looking for by way of business resources For me that was one of the resources that I always use to help navigate my entrepreneurs to different ways to get support And I think that's something that all entrepreneurs look to But you have to have a plan too as an entrepreneur You can't just go into it Oh I'm going to do this And I have vetted the business not have actually taken the time to actually see if it's something that's marketable I think one of the biggest things that entrepreneur can do is listen to the consumers and see if there is a niche that they have that they can drive forward If you want to learn more WWW dot Detroit biz biz grid GRD dot com Okay talking about a plan in 2016 you decide.

Dan Gilbert Pfizer lavonia eastern Michigan university Senator Sylvia Santana Livonia Santana Ann Arbor Jack New York Detroit Lansing U.S.
"quicken loans" Discussed on WCPT 820

WCPT 820

02:22 min | 10 months ago

"quicken loans" Discussed on WCPT 820

"He never just wanted to get back on it People ask How your children learn how to ride a bike and you didn't I didn't teach him I just created an environment where they taught themselves and all I had to do was be there That's dedication Visit fatherhood dot com to hear more brought to you by the U.S. Department of Health and Human Services and the ad council This CW CPT a 20 where facts matter It low yard sale prices like wood look waterproof floors from just 39 cents All dream home X two a water resistant laminate is on sale Pre finished hard wood is starting at one 49 get more deals in store while supplies last Plus special project financing and professional installation with install plus hurry visit lumber liquidators dot com to find the lumber liquidators store near you today I'm Jay farner from quicken loans Choosing the right mortgage lender involves much more than just a rate Quicken loans has earned 11 JD power awards for client satisfaction and we invented rocket mortgage a simpler hassle free way to get a mortgage completely online No one else has anything like it So choose quicken loans America's number one online lender called quicken loans today at 800 quicken or go to rocket mortgage dot com that's 800 quicken equal housing lenders Number 30 30 China Tom Hartman program with your Friends were available on SiriusXM free speech TV Pacifica commercial stations nationwide YouTube Twitter Facebook Tom Hartman app and you can even tell your smart speaker to listen to the Tom harbin program Healthy eating at home has never been easier with wild caught seafood delivered right to your door And while the lasting company founder Aaron callenberg comes from a long line of Alaskan commercial fishermen He's learned a thing or two about how to get the highest quality sustainably sourced seafood right to your plate at home While the last company members receive a variety of delicious individually portioned wild quad seafood including sockeye salmon Pacific halibut and cod Not only is wild Alaskan seafood and excellent source of protein and high in heart and marine healthy omega threes It's also quick to thaw an easy to cook at home They're so confident the.

"quicken loans" Discussed on WCPT 820

WCPT 820

02:00 min | 11 months ago

"quicken loans" Discussed on WCPT 820

"Your prescription will be ready in just a minute Hey dad You laundry will be ready in just a minute Dad Your lunch will be ready in just a minute Hey honey Why don't you take a minute When you help care for a loved one you give them as much time as you can But it's just as important to take time for yourself AARP can help Find free care guides to support you and your loved one at AARP dot org slash caregiving That's AARP dot org slash caregiving Brought to you by AARP in the council Because facts matter you want a thing to know what you see PT 8 20 Liquidators get high quality flooring at low yard sale prices like wood look waterproof floors from just 39 cents all dream home X two a water resistant laminate is on sale Pre finished hardwood is starting at one 49 Get more deals in store while supplies last Plus special project financing and professional installation with install plus are a visit lumber liquidators dot com to find the lumber liquidator store near you today I'm Jay farner from quicken loans Choosing the right mortgage lender involves much more than just a rate Quicken loans has earned 11 JD power awards for client satisfaction And we invented rocket mortgage a simpler hassle free way to get a mortgage completely online No one else has anything like it So choose quicken loans America's number one online lender called quicken loans today at 800 quicken or go to rocket mortgage dot com that's 800 quicken Equalizing lender limitless number 30 30 Hey thanks so much for sharing our program and for reaching out to our stations and sponsors and letting them know that you're listening It really means a lot to us It's winter and all that cold dry air can affect your pet just like it can affect you You may be noticing increased shedding looking and itching which may or may not be related to allergies could just be the time here you know.

"quicken loans" Discussed on The NBA Show

The NBA Show

04:59 min | 1 year ago

"quicken loans" Discussed on The NBA Show

"I think that if you were a smart executive and you saw what was happening in early on, like Adam silver did, we probably all would have pushed it. But then it did create a world of distractions and it was to the detriment of the game itself. But we shall see. I mean, I think this warrior storyline called me a home or whatever, I do think it's the best story in sports right now. And I can not, it would be incredible if they came back and they had clay come back and he's good again. And man, you get a finals, warriors nets, you know, or your stocks? I want Ben Thompson to get mad at me. Warriors bucks, you know? That's exciting stuff if it happens. Yeah, and those stories. And I think that's what the league is kind of been in the wilderness the past few years because there hasn't been a story to get behind and you've talked about this a lot in your podcast. You talk about it a lot in your articles about people think in terms of stories. Yes. Right? And if there's no story to tell, it's like the warriors thing is so obvious. It's like this team that was great. They went on this incredible historic run. They lose a bunch of guys to injuries, they lose KD to free agency. They absolutely stink up the joint the first year at the KB loses last year. It was like, ah, mediocrity, and then this year, they're the best team in the NBA so far. They don't even have their guy back. It's easy for fans to for fans to follow that story. You know, like, some of the stuff that we're tracking, whether it be like the Celtics, not like in Kyrie's attitude adjustment, or just some of the craziness that we would just end up following as a league, rather than what's taking place on the freaking court. Again, I think that's been to his detriment. I love a bunch of the new guys in the league. Of course, like the jokic is in the bookers and the Donovan mitchells and the Trey youngs. Like these young guy, of course, Giannis, he's a two time MVP. These young new generation guys are interesting people. They're gonna be fun to follow, but we do have to develop these stories. I don't know what they gotta do for jokic. Maybe it's gotta be in this extravagant WWE type intro, where he comes in on a horse because he loves horses so much. I mean, that would be that's one way to catch the attention of the public, I suppose. But yeah, I mean, I'm definitely a culprit in this whole thing. I'm a hypocrite. I run a website where I don't talk about the games at all. So I'm definitely part of the problem I would think. But yeah, it seems like you need to pitch things through story, and that's what this is where we get derailed into nostalgia. But that's what was so amazing about the NBA and NBC. And those intros. Those intros are great because they're great with Marv Albert or Bob Costas doing an aeration, but they're also fantastic because they're telling the audience. They're telling the audience this is important. This is important. This is an epic battle. This is why you should pay attention. This is why you should be into it. I contrast it with I had the experience of doing this podcast with the Cavs, the Cavs bloggers, chased down black guys who are looking back at the 2016 finals. And I had never watched those finals as a TV product because I was there covering them on the ground. And I came away disgusted with the ESPN presentation of it because my experience of these finals, it was so epic. It felt like readable. It was I just remember myself in quicken loans arena. And they start with that Phil Collins in the air of the night intro. And I'm watching the concession years belt the lyrics singing in unison to it as the crowd jumping up and down and really feeling the energy and it's for that game 6 and it's just the hair on the back of your neck is standing up. And then I watched the TV version and they've commissioned the roots and I like the roots, but they've commissioned the roots to do some sort of weird intro and the motif is the number two and it's like two, two games till game 7. Three is the number two. I don't know if you even remember this, but it's just no. What is this? They're not explaining. Why is there no narration? Why aren't you using Mike breen whoever to present this to us? Because this is an epic battle between two opposing forces, the showy, glamorous, barrier versus the Gritty, I'm just a kid from Akron. Yeah, even though it's. Versus the rust belt ether. Yeah, play it up, man. And it's just sitting there for you. And for some reason, the product, there's just not that much thought into it. And it's not like, hey, I love the NBC stuff, but it's not like those guys were geniuses. They just obviously, to quote one ESPN employee gave the people what they want. So yeah, they.

jokic Adam silver Warriors Donovan mitchells Trey youngs Ben Thompson Giannis NBA Kyrie Cavs Celtics Marv Albert Bob Costas NBC Phil Collins ESPN Mike breen Akron
"quicken loans" Discussed on WCPT 820

WCPT 820

01:51 min | 1 year ago

"quicken loans" Discussed on WCPT 820

"Of the 19th century as your guide Self empowerment 9 things the 19th century can teach us about living in the 21st available through changing lives press itself empowerment book dot com One goat can make the difference between nourishment and hunger one goat can make the difference between poverty and sustained income in the war torn areas of southern Sudan one goat can make the difference between life and death find out how you can help visit goats for the old go dot org That's goats FOR the old goat dot org fighting hunger one goat at a time Attention floor buyers The 6th annual fall flooring yard sales going on now at lumber liquidators get high quality flooring at low yard sale prices Like what look waterproof floors from just 39 cents All dream home X two a water resistant laminate is on sale Pre finished hardwood is starting at one 49 Get more deals in store while supplies last Plus special project financing and professional installation with install plus hurry visit lumber liquidators dot com to find a lumber liquidator store near you today I'm Jay farner from quicken loans Choosing the right mortgage lender involves much more than just a rate Quicken loans has earned 11 JD power awards for client satisfaction And we invented rocket mortgage a simpler hassle free way to get a mortgage completely online No one else has anything like it So choose quicken loans America's number one online lender called quicken loans today at 800 quicken or go to rocket mortgage dot com that's 800 quicken Number 30 30 Our.

"quicken loans" Discussed on America Off The Rails

America Off The Rails

01:32 min | 1 year ago

"quicken loans" Discussed on America Off The Rails

"You prefer real mornings. Shouldn't you have a real breakfast. At mcdonald's we get real about breakfast. That's why you can have a savory sausage biscuit with delicious hash browns for only a dollar fifty. It's time to wake up breakfast. Single item at regular price. Prices and participation may vary cannot be combined with any other offer or combo meal. You are listening to k. l. n. radio liberty in reasons still ring. Hi i'm jay farner. Ceo of quicken loans. America's largest mortgage lender. Spring will be here soon so if buying a new home is on your to do list right now is the time to call quicken loans learn about which mortgage options make sense for you and get a jump on your competition with our exclusive rate shield approval the low rates. You lock. Today is protected for up to ninety days while you shop for your new home with a ratio approval if rates go up your low rate stays lot but if rates go down you get that new even lower rate either way you win talk to us today at eight hundred quicken or go to rocketmortgage dot com to take advantage. Here's another great reason to work with us for a record nine years in a row. Jd power has right. Quicken loans highest in the nation in customer satisfaction for primary mortgage origination again to lock in today's low mortgage interest rate and get the security of our exclusive rate shield approval. Call us today at eight hundred quicken or go to rocketmortgage dot com for jd power award information visit dot com racial approval only valid on certain thirty year fixed rate loans call for cost information and conditions. Equal housing lender licensed fifty states. Mls number thirty thirty. Hi.

"quicken loans" Discussed on 860AM The Answer

860AM The Answer

01:32 min | 1 year ago

"quicken loans" Discussed on 860AM The Answer

"Today Hi, I'm Jay Farner, CEO of Quicken Loans, America's largest mortgage lender. Let's talk credit card debt for a minute. If you feel you're carrying too much of it, you're not alone. The average household in the U. S. Carries over $8000 in credit card debt ready for some good news. With a cash out refinance from Quicken loans. You can quickly and easily put some of the equity in your home to good use by paying off a lot of that high interest credit card. Yet a great way to take cash out is with our 30 year Fixed rate mortgage The rate today in our 30 year fixed rate mortgage is 4.375% a P R 4.65%. Call us today at 800 Quicken to learn how taking cash out with a 30 year fixed mortgage might be the right solution for you. And for a record nine years in a row, J D Power has ranked Quicken loans highest in the nation in customer satisfaction for primary mortgage origination. Call us today at 800 Quicken or go to rocket mortgage dot com. For J D Power Award information, visit JD Power dot com Rate subject to change the 2.13% to receive this discounted rate, Walter cost information and conditions. Equal housing Lender license in all, 50 States. Animals number 30 30. Streaming now dot com 8 60 AM Enter..

"quicken loans" Discussed on KOA 850 AM

KOA 850 AM

02:16 min | 1 year ago

"quicken loans" Discussed on KOA 850 AM

"Good and bad news to chew on today, At least they don't have the good the bad and the ugly to go with all those markets open with gains today after the release of the latest report on jobless claims, the Labor Department reports first time claims for unemployment benefits fell to 473,000 last week, down from the previous week's revised total of 507,000, not too far off from what analysts were expecting. Claims haven't been this low since March of last year. The biggest increases in claims were in Kentucky, New Jersey, Delaware, Vermont in Puerto Rico. The biggest declines were in Virginia, New York, Florida, California and Oklahoma. I'm Michael cast, so that's the good they're not so good come from another look at inflation. Today. The Producer Price Index for April one up more than expected up 6/10 of a percent for March, but up 6.5% from a year ago. This is on top of a surgeon consumer prices that we saw yesterday that pushed the market's down, but right now The Dow is up 225 points. The NASDAQ is up 165. The S and P is up, 35 say so long to quicken loans to company is not going away. Just the name Quicken loans will change its name this summer to rocket mortgaged and confusion over who's who Quicken loans was founded in the nineties and created Rocket mortgage in 2015. Company says the name change goes into effect at the end of July and provides a more consistent brand identity. Crypto currency is dirty money and Tesla's driving away from Bitcoin CEO Elon Musk tweeted. The automaker is pausing Bitcoin purchases over concerns of the use of fossil fuels for Bitcoin mining and transactions. He argued Tesla won't sell any Bitcoin and intends to use it again for transactions when mining transitions to more sustainable energy, Musk added. Crypto currency has a bright future, but it can't come at a big cost to the environment. I'm Brian shook price hikes for gas. Yes, shortages know as the bottom line for Colorado after the shutdown of the colonial pipeline in the Southeast. To set your mind at ease. Colorado gets nothing from that pipeline that got hit with the ransom or attack gas stations here and all the supply they need to meet the man that's already been pushing prices up for a while. Our next money update. Is that a 12? Pat ordered Keohane news radio. 7 44 Sports With BK.

2015 Kentucky Virginia New Jersey March California New York Vermont Delaware Oklahoma Florida 473,000 Elon Musk Tesla 507,000 April Today 225 points 6.5% last week
"quicken loans" Discussed on Dr Ron Unfiltered Uncensored

Dr Ron Unfiltered Uncensored

04:29 min | 1 year ago

"quicken loans" Discussed on Dr Ron Unfiltered Uncensored

"We'll be talking about tv. And i've been always and how to reset your endo know each system Gel 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.

"quicken loans" Discussed on 600 WREC

600 WREC

05:51 min | 1 year ago

"quicken loans" Discussed on 600 WREC

"Eastern. See you there. I have to take notice of a gentleman who passed away very recently. The sculptor Arturo Di Modica. He died. You don't know the name, but you certainly know the work that he is most famous for. Arturo created the charging bull that 3.5 ton bronze sculpture that is outside the New York Stock Exchange in New York City, the iconic bronze sculpture. Ah, lot of folks, though, are not familiar with the history of the sculpture. Arturo spent two years and over $300,000 of his own money to craft that piece of art. He was inspired by the crash of 87. And he did it as a spoof. His attitude was New York's Wall Street traders are demoralized as a result of the crash of 87. So he decided to create for them this charging bull to lift their spirits. But he did it really as an inside joke, and in fact, his artwork was not Requested by anybody. Nobody commissioned him to produce this sculpture. Nobody knew he was doing it. He sell fun that it was doing it at his own facility. And one night December 15th 1989. Yeah, it took him two years to make this he showed up. Outside the New York Stock Exchange in the dead of night. Bringing a truck, a crane and 40 friends to install it right outside the main entrance to the N y esa. Well, the next morning, you can imagine what happened. The officials from the New York Stock Exchange showed up. And they were not happy at what they were seeing. And they had a charging bull impounded and Arturo was forced to pay a $500 fine. And a fee to get it out of the city's impoundment. But it did capture the attention of the New York City Parks department and working with Arturo. They found a new home for charging Bull near the New York Stock Exchange in New York's financial district. And that is where tourists have been fucking In the decades since, and you may very well have been one of them one of the most favorite photo opportunities in New York. The artwork out another round of controversy in 2017. When the artist Kristen Visible, placed her sculpture, fearless girl. Right opposite the bull, as though she were standing there in defiance of the charging bull. Arturo was offended at that. He said that the placement of fearless girl altered the message that he was trying to send with charging bull and through a lawsuit. They ended up separating the two on it was just the continuing saga of artistry and messaging in art. You'll find photographs of both of these items on our website it ric Edelman dot com both charging bull and fearless girl. Let's shift our attention to a bit of news update on game stop investors who were rocking and rolling with game stop buying and buying and buying, causing that stock to skyrocket. Have moved on from Gamestop recently They have been moving to buying shares of Rocket, the parent company of Quicken Loans. Shares of the rocket company surged as high as 71%. With 377 million shares traded in a single day, a 10 X increase from normal trading. The company's ticker are. Katie was mentioned in more than 16,000 online posts on the Reddit chat rooms. Prior to the stock skyrocketing. It's gotten to the point where people are wondering, how do I get in on this action without having to pay attention to all the reddit Social Board activity? Well, Van Eck, the big mutual fund company has just launched the van Eck social sentiment. E T F It is buying stocks with quote the most bullish investor sentiment and perception unquote. They claim they will be tracking those chat rooms and buying the stocks that those folks say they want to go by. Is that an opportunity for you to get in on this? Or is it an opportunity for you to get fleeced? Like most of those who try to play that game? Oh, by the way, some in Congress are arguing that this is justification for a financial transaction tax. Get these short term day traders to stop what they're doing by hitting them with a big tax that could raise $60 billion a year. We'll see if that happens. You're listening to the wreck. Gentleman show researchers at the University of California Davis have figured out how to give solar panels to generate power at night. They use a technique called radiative cooling to generate 25% as much energy at night as they do in sunlight. Meanwhile, our company has developed a charger that can charge an iPhone in eight minutes. That's pretty awesome. And Swedish researchers at the Chalmers University of Technology have identified a molecule that can trap and store solar energy for decades, releasing the energy on demand. Meanwhile, in Australia, the University of the Sunshine Coast says they've got.

2017 Arturo Di Modica Katie Kristen Visible 25% Australia iPhone $60 billion 3.5 ton Arturo eight minutes 40 friends Congress $500 71% two years Quicken Loans New York City Gamestop Reddit
"quicken loans" Discussed on Xtra Sports Radio 1300 AM

Xtra Sports Radio 1300 AM

07:53 min | 2 years ago

"quicken loans" Discussed on Xtra Sports Radio 1300 AM

"In that first are weeded out back to back interviews. So now the show is wide open for you. I've got nothing until our number three in the way of interviews, and at that point I bring in the big head. At Big Head bets. James Kelly, and we'll break down the weekend action in the NFL Talk about the championship game on Monday night as a reminder that show is brought to you by rocket mortgage by Quicken Loans. Rocket mortgage is with you every step the way to provide a seamless mortgage experience. What I'm basing weekend this is going to be you've got the super wild card weekend. There is a double triple header three games Saturday, three games Sunday. Gonna be amazing. So I turned to cover in that regard. Phone lines are open open phones 1 806 368686 I mentioned also in our number One very sad note. Tommy Lasorda passed away last night. The age of 93. I think as many of you know, I'm a Los Angeles native made it very clear in the program year after year after year. I don't root I do not route They pay me not to root. I've never been that fam Boy. I've always tried to maintain a certain objectivity. I can't root But I would not have this job and I wouldn't be in this position if I didn't love sports if I didn't have an obsession with sports, like a lot of you listening, and like a lot of you listening I grew up with that. I grew up in Los Angeles. I was a die hard Dodger fan. Marks on record as saying. My childhood heroes that's something else I get. Who's your favorite player? I don't know. I stopped having one when I got into the business, so I stopped having one when I was much younger. But growing up. I had favorite players. My three favorite players growing up is a kid in Los Angeles. We're Gail Goodrich of the Lakers. Penguin Ron say of the Dodgers. And strangely enough Terry Bradshaw of the Steelers, But I was all about the L. A Dodgers all about the Dodgers man I loved loved the Dodgers. So is I got into the business. It was you more and more fascinating to maintain that objectivity, but of course, always kept a close eye on the Dodgers and then Tommy Lasorda. And Tommy would come on the show quite a bit. And this show had a really good relationship with Tommy. Like when you think of the Dodgers. When you think of the Dodgers, you have to think of time in the sort of In fact, I'm not sure you're ever going to find a person more linked to a professional sports organization than Tommy Lasorda with the Dodgers, and that's not hyperbole. I mean, he was just that iconic. He spent 71 years with that team. He spent more than seven decades with that team, starting as a pitcher, then a scout, then a minor league manager, then a major league third base coach, then a major league manager. Also some time as GM, a senior VP, a special adviser. 71 years he won two World Series championships as manager. He won four NL penance. He won the division eight times, and that success earned him a spot in the Baseball Hall of Fame. And if you know this show, you know, Tom and I spoke a number of times over the years, and we had some amazing moments. We had some great moments like if I were to say to you, Word association or what's first thing comes to mind. When you think of Tommy and this program, many of you would quickly go to his rant about golf. You tell May it's easier to hit that ball that's coming at you, 90 and 100 Miles an hour, then hit that little white ball that standing still, You know what? I don't understand. Here's a guy playing golf. And a guy Croft hate and the announcer goes Now, Ladies and gentlemen, he is now gonna hit off this tea. It's 425 years, the guy standing up to the plate hitting off a Nolan Ryan, throw the ball 95 Miles an hour and 50,000 people are screaming and you tell me it's easier to hit a baseball. Then they hit that golf ball. What's the matter with you? Nobody like him. You wonder why Loved having tell me on this show because he would always show up like that. You wonder why I loved having Tommy on this show. Because if Tommy had to choose between me and Larry King live, who do you think he was going to choose? A reporter called me a friend of mine called me And he says a couple of people have Houston that said that, you know that you weren't coming back. I said, Well, if that's what they say that you go ahead, write it because I had not made a decision. Nobody knows nobody could have said anything with real proof. See what it means. You can't see what's on me that that would really rock Everybody's world. That was a hell of a tribute to you. Call 874. Can't King live Release? Who's it from Larry King life, but I can't tell the cold. Tell the call me back. Thank you. That was the day of the emergency breakthrough. An emergency breakthrough. Remember those days? Are you old enough to remember that function of telephone Tommy Lasorda is talking to me live. And we're talking about some breaking news or some speculation and quote Larry King Live is on the other line trying to get through and Tommy said Nah, nah, I'm good. I'm talking to Jim Rome Live. We had so many conversations, including conversations then about Pete Rose every year, a spring training, the manager has to read the gambling roll. The team. And the gambling rules specifically states that if you are caught betting on baseball, it's a one year suspension. But if you are caught Betty going your own team It's a lifetime suspension, Pete Rose was caught betting on his own team, and that is in a federal rule. That is a role in baseball. Some is there no doubt in your mind that he was contacting on baseball any doubt in my mind? Listen, nobody's too big for this game of baseball. We have a great game of baseball. Tommy, the sordid never, ever pulled punches ever. I mean, that's the kind of game that he was spitting back then when guys didn't or guys wouldn't or they wouldn't speak their mind. Do it again that that I saw him in the David August show room. Within the past year. So Tommy's 92 at that point and David August for those of you don't know David. August is a clothier. He makes incredible clothing, incredible suits. Like the suits I wear and half for a number of years have been cut by him. A number of the people you see on TV, especially in our business, are wearing suits from David August, So I go in there and see Tommy Tommy's Aiken. Sweat pants. He's kind of like casual. And he's in there, and he's a client. And at this point I haven't seen Tommy in a few years. Maybe haven't even spoke to Tom in a couple of years. And as I mentioned I wasn't 1 ft through that door when he looked me up and down and kind of gave me a mother bleeping Jim Rome. What do you know? What do you know? Jim Rome. It was so awesome like I laughed out loud. Like I want to hug on the guy was so good to see him and makes so true to his character, like still had that fire man that fire into his nineties. So Tommy was an absolute legend, Tommy with somebody who lived and absolutely legendary life, like larger than life. Up until the very end. So his passing really is a tremendous loss for the Dodgers for the Dodger family, and I would say if the game of baseball overall Tommy survived by his beloved wife of nearly 71 years, Joe As well as his daughter, Laura and granddaughter, Emily. My thoughts are.

Tommy Tommy Tommy Lasorda Dodgers baseball Larry King Los Angeles Jim Rome David August golf Baseball Hall of Fame Tom Quicken Loans NFL Gail Goodrich James Kelly Pete Rose Terry Bradshaw Nolan Ryan Lakers Penguin Ron
"quicken loans" Discussed on 860AM The Answer

860AM The Answer

01:34 min | 2 years ago

"quicken loans" Discussed on 860AM The Answer

"Key sites and best place is meant to give you an unprecedented view of the world You've likely only read or heard about. If you've ever dreamed of seeing is real. This is your opportunity registered today worry free with no cancelation fees until May 8th call 855565 55 19 or book online that stand with Israel. Com. Hi. I'm J. Farner, CEO of Quicken Loans, America's largest mortgage lender. Let's talk credit card debt for a minute. If you feel you're carrying too much of it, you're not alone. The average household in the U. S. Carries over $8000 in credit card debt ready for some good news. With a cash out refinance from Quicken loans. You can quickly and easily put some of the equity in your home to good use by paying off a lot of that high interest credit card debt. A great way to take cash out is with our 30 year fixed rate mortgage, The rated and our 30 years. Straight mortgage is 4.375% a P r 4.65% Call us today at 800 Quicken to learn how taking cash out with a 30 year fixed mortgage might be the right solution for you. And for a record nine years in a row, J D Power has rate Quicken loans Highest in the nation in customer satisfaction for primary mortgage origination calls today at 800 Quicken or go to rocket mortgage dot com. For JD Power War information, visit JD Power to con great something to change my 2.3% to receive this discounted rate over cost information and conditions. Equal housing lender licensed in all 50 states and Yes, number 30 30. 8 60 am the answer is extremely now on our app on radio dot com. Call the Larry Elder Show now at.

"quicken loans" Discussed on WJR 760

WJR 760

07:58 min | 2 years ago

"quicken loans" Discussed on WJR 760

"I'm sad to say that Mary somehow or another has been able to weasel her way out of this on this is this is our last. I'm not going to say it's our last Monday conversation. I'm going to say it's our last scheduled Monday conversation, Mary, but you've got some exciting new opportunities ahead of you. Well, That's right, Paul. You know, I've been a crane for test more than 30 years. Can you believe it? But I'm moving out of my role is group publisher of our four City regional publications in Detroit, Cleveland, Chicago, New York and I am moving into a corporate roll, um, working on special projects in new products, so That will be my role for 2021. I'm really excited about it. But I'm I'm sad to lose the chance to get up at five o'clock in the morning to talk with you, boy. Yeah, well, seriously seriously, were said to lose the opportunity to start our week with you because you've done it so well for so long and and we really appreciate it. Well, I think it's a great partnership between Crain's Detroit business and WJR and with you personally, Paul, So I am looking forward to introducing you to Kelly Group, the executive editor, and she will rotate with likely going forward after today. Already. Well, I can't thank you enough on behalf of our team, our radio station and most importantly, our listeners who have benefited from everything that you've been involved with. And behind the scenes, the information that you've started our weeks off with For so many years. We so greatly appreciated, Mary. I mean, really, really going to miss you and your level headed approach to what's happening in and around Detroit. Now, I know we'll have that with Kelly. And with Mike and we will continue doing that serving our listeners, and that's good. But we will miss you, Mary Kramer a lot. It's a time it's sadly a time of change there a lot of changes that have happened. And there are more to come in 2021. But that's I guess all the part of life. You're all digital. You're all digital. This week with your top born top 10 newsmakers of the year way do a lot digitally every day. We're putting out the equivalent of a paper Really? And and, uh, and more so during the holiday when we didn't have a print edition s so we have a newsmaker of the year program was doing this since 1986. And we usually named tap 10 newsmakers and then one person is highlighted and would be the speaker at an event in February. And of course, we won't be having a live event in sub worry, but we also looked at 2020 and just said, you know, For the first time ever. The tap newsmaker really isn't a person. It's covert 19 and so six of the 10 top newsmakers for 2020 were part of the co big story. So you have Governor Wittmer and the policies and rules that she issued because of covert. You have Mary Barra and GM pivot to produce PPE and ventilators. Paul Glance, a witness critic who owns Imagine theaters who Who, Who's Industry Entertainment. A restaurant certainly have been hurt, probably more than any other industry, and then you have people in health care, right? Lassiter, head of Henry Ford Health System, and Jody Cal Dune Who's the state health chief who who is on the press conferences with the governor every day, and then Greg won chul, who have a company called Lineage logistics, which you may not be. You know that type of mine, but they have a huge network of cold storage across the country, And if you were dining at home, it is very likely the food on your cable was stored somewhere along the way in alleged lineage, logistics facilities, so six of the 10 and there are others, too, that you can see online that are not related to covert the other four news makers of the year, but it Zagreb package. We have that debuted online today. All right Again. It's all online all digital this week, and the four non covert newsmakers include Well, why don't you tell us who it includes? Sure, John fact who is the CEO of Beaumont Health, and he certainly was in the news this year for 2024 lot of different reasons. Colbert included, but primarily a failed merger talks with a hope that out of Illinois And then the two the two mortgage kings, Jay Garner, quicken loans and mannish yet United Shore united. Sure, we'll be going public Quicken loans did go public and then finally Bobby Tom in the mall operator who had a big deal certainly was affected by covert. But All retail was, but I had a major deal with the former major competitors, and that was a big news story. BUSINESS NEWS story in 2020. Did that feel that that deal fell apart, though, didn't it or is that they still litigating? It is initially fell apart because you know the terms of the deal. We're, um that before coasted, and so after covert suddenly, retail space wasn't exactly a valuable as before, So there was some litigation back and forth, but I believe that they reached an out of court settlement or maybe a mediated settlement as part of the court proceedings. So that is on track to happen. The number one non covert story conversation Dan Gilbert had with your fine Chad Livengood Way back before Cove. It talked about a stroke recovery and such, but the other story that kind of as you went to print. Family, friends and colleagues shocked by the tragic private plane crash on Saturday that killed the homebuilder all round Nice guy David Campo in this lovely wife, Michelle and son Dawson from a Catholic central. Yes, I know Maria's reported on that it Z so tragic and the details are not yet out. But that happened Saturday night and Kirk Tinho are real estate reporter was able to Post something on Sunday about the family, but particularly David Campo, Um he was a very well established home builder. And as you mentioned Just finished his term as I've December 31st, president of the Homebuilders Association of Southeast Michigan. Very tragic, very tragic in that zoo. That really was just unbelievable in the home builders. Association new CEO Michael Stocks Cough is going to join us at 7 35 with the with the remembrance of David Campo in the wonderful effect he had on the Homebuilders Association of Southeast Michigan. And certainly he and his family tragic, tragic will be missed, as will Mary Kramer, who now is on special projects at Crane Communications. And so I'm not going to say goodbye. I'm going to say so long for now. On and we'll look forward to having the opportunity to speak with you in the days, weeks, months, years ahead on special projects from cranes to try business. Thank you, Mary do that. Thank you, Paul. Thank you. Thank you for everything you've done for our listeners, and for all of us, we really appreciate it..

Paul Glance Mary Mary Kramer Detroit David Campo Um CEO Homebuilders Association of So Mary Barra Governor Wittmer publisher Kelly Mike Crain Cleveland Henry Ford Health System Jay Garner Crane Communications Bobby Tom
Pandemic Economy is Making Revenues a Lot Better for Better.com

Business Wars Daily

03:39 min | 2 years ago

Pandemic Economy is Making Revenues a Lot Better for Better.com

"Linked in just named better dot com number one on its list of top fifty startups, which means they're hiring like mad. The company is the sleeper success of the mortgage world. Undoubtedly, you've heard of its huge rival quicken loans, the largest mortgage lender in the US, but despite the eight billion dollars in loans, better dot com issued. Since March, you may not be familiar with the four year old company founder and CEO this. Shaw Garg tells a classic origin story in two, thousand, thirteen he and his wife were shopping for an apartment in New York City finding the right place at the right price was hard enough. Then they applied for a mortgage it was so much harder than it should be like horrendously bad guard told linked in writer Devon boundary. Their mortgage processor was so slow that they lost the apartment and get this. They weren't exactly slouches when it came to understanding Finance Guard was professionally managing billions of dollars in mortgage backed securities in his wife was a banker as battery reported guard thought if it's so bad for us, we'll how bad is it for everybody else? That's when he decided to start his own mortgage company one that would do things better. BETTER DOT COM launched publicly in two thousand sixteen like quicken loans better is an online firm that allows customers to apply for a mortgage and complete the entire process without speaking to a human being. Choose for the most part algorithms decide whether you get that loan or not, and what it will cost better. Dot Com sells the loans to institutional lenders a common mortgage industry practice. The big piece that guard changed industry-wide loan officers operate on a commission not. So at better, the company says its model freeze it up to match the right loan with a customer rather than incentivizing staffers to sell you the most expensive they can in addition customers say that commission fees as well as some other fees that guard wrung out of the process once launched better dot com did fairly well given the scads of competition out there, but it's the pandemic economy that. Shot better to prominence not to mention made it profitable as we've reported here before refinancings hit record highs after the federal. Reserve, dropped its interest rate to zero in March in an effort to save the sputtering economy additionally social distancing made online mortgages far more appealing to customers who previously may have walked into a bank or at least met with mortgage broker over coffee. The bottom line revenues were about one hundred, million dollars. Last year this year better expects to take in eight hundred million dollars in revenues. A newsletter called the information reported. The information also reported that better is trying to raise another one hundred million dollars in advance of a possible IPO. If it succeeds, the company will be valued at about four billion dollars. That's an insane amount of money for someone who used his apartment down payment to fund his business launch. That's right and his wife never bought that New York apartment. We're betting that they're glad they didn't, but and there's always a but right as high flying is this startup is it's a mosquito on the back of quicken loans and rocket mortgage both owned by the rocket companies together those two companies earned almost six and a half billion dollars in revenue just in the first half of this year both are household names unlike their smaller rival rocket companies went public in August in what the information says was the second largest IPO of the year, it rocketed to almost two billion dollars. With the economy faltering again though rocket share prices down ten dollars from its high of thirty dollars at the end of last month questions abound about how long the housing boom will last.

Finance Guard United States Shaw Garg Company Founder Devon Boundary New York City New York Writer CEO
Sen. Bernie Sanders calls for tax on billionaires' gains during the pandemic

Squawk Pod

02:38 min | 2 years ago

Sen. Bernie Sanders calls for tax on billionaires' gains during the pandemic

"A major milestone for the Nasdaq on Thursday the index briefly crossed eleven thousand for the first time ever the Nasdaq them closed out the day a hair below that eleven km milestone, a record high that's the indexes six record close in. So. Far, the Nasdaq is clocked a record close thirty one times in twenty twenty. It's remarkable run for the and exit especially considering what a hit like the rest of the stock packet back in. March. Clearly, the Nasdaq is come back with ferocity it's gained about twenty three percents alone the S. and P. Five hundred and the Dow Jones indices have each clocked day winning streak and the S&P is now near percentage points away from his own twenty twenty. Of course, record highs in the marketplace seem at odds with the troubles were seeing a real economy small and medium businesses are shuttered big retailers bankrupt individuals and entrepreneurs are anxiously awaiting more government relief according to some as you'll hear, the disconnect is in part due to the Federal Reserve's unprecedented actions throughout the pandemic. And investor competent that the Fed will continue to support the markets. One former presidential candidate is calling for billionaires to step up to the real economy. Here's duckie quick Senator Bernie Sanders he is now. Calling for a crackdown on billionaires, this is what he tweeted last night. I will be introducing legislation tomorrow meaning today to tax the obscene wealth gains billionaires have made during the public health crisis. The senator tweeted a thread explaining his proposal saying while over thirty million. Americans. Have seen their six hundred dollars a week and unemployment benefits. Expire emergency actions taken by the Federal Reserve to prop up the stock market have meant that four hundred, sixty, seven billionaires saw their wealth go up by over seven hundred and thirty billion dollars since the pandemic began while Amazon is denying paid sick leave hazard pay personal protective equipment to four, hundred, fifty, thousand of its Workers Jeff Bezos has increased his wealth by over seventy billion dollars. Amazon shares are up more than seventy percent year to date. You can see this morning down by about twelve dollars. Senator Sanders also calls out Walmart's Walton family. Tesla's Elon Musk and facebook's mark Zuckerberg for making billions of dollars during the pandemic, and then trying to juxtapose that with what they've done for some of the workers along the way he then said by taxing sixty percent of the wealth gains made by just four, hundred, sixty, seven billionaires. During this pandemic, we could guarantee has a right for an entire year and billionaires would still be able to pocket over three hundred, ten billion dollars gains during the worst downturn since the Great Depression.

Senator Bernie Sanders Federal Reserve Amazon Senator Mark Zuckerberg Elon Musk Walmart Jeff Bezos Tesla Facebook Walton Family
Mortgage lender Quicken Loans is planning an IPO: report

The Paul W. Smith Show

00:21 sec | 2 years ago

Mortgage lender Quicken Loans is planning an IPO: report

"C. N. B. C. reporting Detroit based quicken loans planning an initial public offering quick and is the largest mortgage lender in the United States founded by Dan Gilbert quicken loans close is about a hundred and forty five billion dollars in loans they did that last year it could be one of the largest IPOs this year the company is valued in the tens of billions of

C. N. B. C. Detroit United States Dan Gilbert
Should You Refinance Your Mortgage Now? Maybe. Maybe Not.

Business Wars Daily

03:52 min | 2 years ago

Should You Refinance Your Mortgage Now? Maybe. Maybe Not.

"Try to refinance your mortgage. We sounds like fun. Doesn't it. Well you know it could be worse right. Look mortgage refinancing applications SPIKE ABOUT EIGHTY PERCENT. Two weeks ago in response to a sudden dramatic drop in the interest rate average. Thirty year fixed. Interest rates dropped to three point two nine percent. That's the lowest since mortgage by Freddie Mac started tracking in one thousand nine hundred seventy one according to the Associated Press some eleven million Americans with mortgages could save money by refinancing according to Bank rate earlier. This month you know about one hundred years ago in Corona virus time. The New York Times predicted that the opportunity to sell millions of loans would be a boon to the country's largest mortgage lenders now those are respectively quicken loans and Wells Fargo quicken washed its digital only rocket mortgage in two thousand fifteen with its. Ad Campaign push-button get mortgage. The company disrupted the state industry. Rapidly rose to the top as rockets do by two thousand nineteen quicken was the country's number one mortgage originator with more than one hundred forty billion dollars in loan volume according to trade publication inside. Mortgage Finance Wells. Fargo was number two with about ninety five billion dollars in funded mortgages the New York Times predicts that the surge in refinance applications will be good for lenders however ultra low interest rates also put pressure on lenders profits and of course the picture couldn't be more unpredictable or complicated because of other economic factors like a potential recession that could force some people default on all kinds of loans that would also reduce bank earnings clearly so says the Wall Street Journal in the story gloomily entitled. Everything is awful all at once for. Us banks. But we digress. Now it would seem to be a great time to refinance a kind of a couple of reasons to think maybe not so much I. The process could be time consuming. Right second though systemically. Low rates quickly became harder to find last week. The average rate rose slightly but the rates lenders were actually offering spiked on March eleventh by March. Twelve it was hard but not impossible to find a lender advertising a thirty year fixed rate under four percent ben laying a rider with the online site. Housing wire suggested that some lenders are inflating their advertise mortgage rates to try to stem the tidal wave of mortgage applications. One Lender told CNBC. Just that there were advertising rates as high as seven percent. But if you could get through to a mortgage processor you might get alone for less than three percent. The inflation stemmed from lenders need to process the flood of applications. They've already received not an easy task. Many trunk their staffs over the past several months anticipating higher interest rates the perfect storm fewer workers more applications left lenders overwhelmed Matt Weaver Vice President of sales at Cross Country Mortgage Tolsey NBC. That it's absolute pandemonium. Those are his words. He likened the activity at his company to Home Depot during a hurricane. Wells Fargo said. It's hiring additional employees and shifting workers from other departments according to the AP but the surge is also putting pressure on related professionals like appraisers entitled firms. You have to have both to close alone right. Kevin Williams of Gainesville appraisal service in Florida says some appraisers overwhelmed by business or

Fargo Wells Fargo The New York Times Freddie Mac Cnbc Associated Press Home Depot Wall Street Journal AP Kevin Williams Gainesville Vice President Of Sales Florida Cross Country
Mortgage Rates Fall To Record Lows. Does It Make Sense To Refinance?

NPR's Business Story of the Day

03:36 min | 2 years ago

Mortgage Rates Fall To Record Lows. Does It Make Sense To Refinance?

"Many people across the country have been calling up mortgage companies this week. There many people asking for refinancing of their home loans. That's because mortgage rates have been hitting record lows. Npr's Chris Arnold been following all this and it's on the line. Hi There Chris a Steve. What's causing the drop in interest rates? Well stocks of course have been falling over fears about the krona virus. And that is that people are buying treasury bonds. It's like a flight to safety. Because Treasury safer investment and the Fed has also been cutting rates and all that is leading to the lowest mortgage rates on record over the past fifty years and how many people are trying to take advantage. Well we're seeing a very big jump that Last year I think it was three times the normal rate of mortgage applications and people are calling because they can save hundreds or thousands of dollars what we talked to Jay Farner. He's the CEO of quicken loans. In the last week we've probably had three record days. Yesterday was again a new record for mortgage applications. It really is one of those once in a lifetime opportunities. I I'm not certain while see rates likeness again. Ed this is maybe like the one silver lining in all these dark clouds around the economy. Because of this very scary corona virus and it's having this effect of lower rates so a lot of homeowners can save money refinancing. You can save money. Buying a house to all of that helps regular people and it helps out the the the the broader economy. I guess if you're running the Fed You're happy about this. This is why you've been cutting interest rates. You want to encourage economic activity in moment when a lot of economic activities seem to be disrupted in some ways. But how do individual homeowners know that? It's worth refinancing given that it ain't free right. Well I mean by definition mortgage rates are at record lows. That means anybody with a house has a rate that's higher than the rates. You can get today with the question is. Is it a big enough drop to make it worth it if you refinanced? So I talked to Mike Fratton Tony. He's the chief economist. The Mortgage Bankers Association. He worked up this estimate based on rates from last week. More than eighty percent of all homeowners with the mortgage could have benefited from refinancing. They could have saved at least half a percent in terms of the rate on their mortgage and then given that rates have fallen even faster. This week you know that just means that the vast majority of all homeowners at this point likely would benefit from refinancing and Steve is to put some numbers around this. If you can drop your rate by one percentage point that doesn't sound like much one percent but that going to be very big effect if you have good credit a year ago rates on a thirty year fixed rate loan were four and a half percent now there around three and a half percent so on a three hundred thousand dollar mortgage that changed that one percent change can save you two thousand dollars a year in mortgage payments. Some people could save a lot more so this can mean a lot of extra money in people's pockets any other factors that people should think about. Yes for sure I mean. One thing is Shop around two or three lenders right now because of all the turmoil in the markets. That's really important. You get a better deal if you shop around Next thing is the fees. Make sure that they're worth it and a lot of people don't understand this last one. I if you've been paying your loan for a long time. It's often not so good to go back and start over with a thirty year loan. Now you'RE GONNA pay a lot more interest so you can get twenty five twenty fifteen years even better. Those are better options. And when you say fees that can be several thousand dollars for refinancing Yes yes definitely pay attention Chris. Thanks so much thanks

Chris Arnold Mortgage Bankers Association Mike Fratton Tony FED Jay Farner NPR Treasury ED Steve Quicken
Harris, Embiid lead 76ers to 114-95 rout of Cavaliers

AP News Radio

00:27 sec | 3 years ago

Harris, Embiid lead 76ers to 114-95 rout of Cavaliers

"The Philadelphia seventy Sixers improved eighty five on the young season as they route the Cleveland Cavaliers one fourteen in ninety five at quicken loans arena to buy shares putting twenty seven points to lead all scorers Philadelphia took a lead midway through the first quarter and never looked back Philadelphia shot sixty seven percent from the field in the first half they led by as many as thirty one in the third quarter Cleveland was led by second year guard Colin section with seventeen points Jordan Clarkson put in fifteen the Cavaliers fall to foreign aid Lodhi Cleveland

Sixers Cleveland Cavaliers Philadelphia Cleveland Jordan Clarkson Lodhi Cleveland Colin Sixty Seven Percent
Just how beneficial are 'Opportunity Zones' to residents in low-income areas?

The Takeaway

11:44 min | 3 years ago

Just how beneficial are 'Opportunity Zones' to residents in low-income areas?

"As a government policy the idea of these opportunities owns has been around for decades low income areas get special tax incentives to encourage investment presidential candidate and senator Cory Booker has been a big proponent of opportunities owns as a way to inject capital an ailing cities like Newark New Jersey which is got millions of dollars in private investment under the policy we know that kids growing up in low income areas actually will make less money than their peers growing up in areas that have more economic investment and so when I was a mayor of one of America's poorest census tracts was mayor of Newark New Jersey one of my major goals every day was how can I get capital invested in my communities to create economic opportunity roughly twelve percent of census tracks around the country are being re classified as opportunity tones including almost all of Porter Rico conocer questioning just how beneficial these tax breaks will be to residents of low income areas and new reporting has emerged showing how this program has already been manipulated to further benefits the ultra wealthy for more on this I spoke with Justin Elliott a reporter at pro publica and Samantha Jacoby a senior tax legal analyst with the center on budget and policy priorities and I started by asking Justin to explain just what an opportunity zone is so this is a program that was created by president trump's tax law that was passed back in in twenty seventeen and the basic idea is to give series of tax breaks to people who make investments in poor areas around the country the goal is to incentivize new investment in the areas that need it most and there's an interesting history to these ritual get into in just a moment but let's let's focus on some of the latest news we just saw senator Cory Booker representative Emmanuel cleaver and representative Ron behind sent a letter to the treasury inspector general that would investigate the potential political influence on how these zones are selected what exactly are they talking about basically they're they're talking about the process by which the areas that are eligible for this tax break were selected so my colleague and I ProPublica and also other reporters at The New York Times have written a series of stories about how several very politically connected billionaires have to use their influence to get areas where they owned real estate made into these opportunities owns thereby qualifying them for this very lucrative tax break and doing it in ways that are potentially not really aligned with the original policy goals of the program the idea of using tax breaks to revitalize low income areas has been around for awhile where did it originate and how is the sort of legislation that we're seeing now different from its original intent as he said there there's sort of a long history of what's commonly called a place based tax incentives and and the idea is by encouraging investment in areas that are historically distressed where residents might have faced a systemic discrimination or lack of opportunity by encouraging investment in those places you might create widespread economic benefits new jobs things like that your examples of those going back to early nineties are things called enterprise zones new markets tax credits the difference here I think is that the opportunities on tax break is really centered around capital gains which primarily float to the top one percent of people so by definition these are gonna directly benefit wealthy investors and may or may not have benefits for low income residents of opportunities up before they they were rebranded opportunities owns and before the trump administration has created this new version of an opportunity zone did these ever work in the past did these enterprise improvement areas are business improvement districts or whatever we want to call them have they worked in the past Samantha I think there's Serena and mixed results the there's been criticisms of of these types of policies that they could be easier feeling gentrification and displacement of low income communities in these areas maybe they have some affect on job creation but it's not clear whether those jobs that are created are filled by residents of the is a low income areas or whether the jobs go to people from outside the areas so I talk a little bit about who's benefiting more but Justin we just talked about the news here that there are representatives who are who are concerned about how how these loans are being selected but wasn't Cory Booker a big supporter of the opportunities on program yeah absolutely it is a program that is very much had bipartisan support and actually existed as a standalone bill before it got put into the trump tax law Booker has definitely championed the idea I ELT sometimes refers to these areas as domestic emerging markets because that is the term uses and the idea of a in its current form anyways you can trace this back to Sean Parker whose Silicon Valley billionaire early Facebook investor who actually created a think tank in Washington DC to push this idea which it was ultimately successful so Samantha let's talk a little bit about how it works here is we are we're talking about things like capital gains and probably most folks like myself will not ever come near a capital gains so if I'm a wealthy investor and I'm looking at an opportunity stone what's going to drive me to what either create a business there or build a an apartment building there what what type of investment are these opportunities owns trying to attract and what's the benefit to people who are who have all this money to go there and and invest so just for a little background capital gains come from increases in value of expensive assets like stock or real estate typically only wealthy people have those and you know it's also important to know that capital gains aren't aren't really tax like other types of income like wages are salaries they're not taxed every year investors can actually avoid paying capital gains taxes by just holding on to their assets for over time and that itself is a big benefit and then when they actually are taxed at taxed at a lower rate than ordinary income but what this incentive actually says is Hey you know even if you sell your assets we'll give you extra tax benefits if you put that gain into an opportunity is on so the first thing is you you don't have to pay that tax that you would otherwise until twenty twenty six as long as you hold on to that investment and the opportunities on for a certain number of years and even then when you eventually do pay that tax you get a fifteen percent cut then the really big benefit comes later so all gain on your new opportunities on investment can be completely tax free as long as the investor hold on to it for at least ten years so what that does is that could create a really big benefit but particularly for projects that have the highest value for investors so just as an easy example an investor might get a much more generous tax break for say the high end real estate as opposed to investing in an affordable housing project Justin you have reported on a few places where these so called opportunities owns have really done what Samantha's laying out here which is benefited the extremely wealthy who have invested here one of the people we're talking about is a man named Dan Gilbert in Detroit who is he and how did he benefit from this opportunity zone Dan Gilbert is the billionaire founder of quicken loans the mortgage company he also owns the Cleveland Cavaliers basketball team in the last several years he's gone on a buying spree in downtown Detroit as some several billion dollars into buying up actually most of downtown Detroit my colleague and I did a story looking at how all these areas in downtown Detroit where Gilbert owns most of the buildings have been named opportunities out it's a one one of the themes that emerge from this was that Gilbert has a number of already planned developments including you know luxury residential developments skyscraper office towers and those are now in opportunities and so what we're looking at is him getting potentially getting tax breaks for projects that he was going to do anyway when the entire point of the program was to incentivize new investment downtown has actually been gentrifying in part because of Gilbert's previous investments in the last several years and in fact these areas of downtown when you look at the data are are much wealthier than the rest of the city but those are the areas the wealthier areas that got named opportunities on's where Gilbert RD owns a you know again billions of dollars worth of real estate and part of the reason they were named opportunities owns is that Dan Gilbert's lobbyist got involved at both the state and federal levels and so there we go with that brings us full circle back to the question about who is influencing who in choosing these opportunities sounds and whether or not they're being chosen because of political motives is that not right that's right so the way that the law was written that there's an enormous amount of autonomy given to the governor of each state so basically the federal government was in charge of deciding which areas around the country were eligible to be named opportunities owns and then that list went to each governor who got to pick a quarter of those as the opportunities and so we see in the in in multiple cases including Detroit where there were you know influential local businessman who lobbied the state and you know in the end the areas were where they already on property were named opportunities so that that's that's what happened to tried and then there's been other reporting about the lobbying having at the federal level and on the eligibility front Samantha were these opportunities owns necessary how are these created and and essentially inserted into the tax law so as anything just mentioned previously opportunities own legislation was originally introduced in twenty seventeen and and the early part of twenty seventeen with bipartisan support but then nothing really happened was that until the end of the year when policy makers were considering big twenty seventeen year end tax legislation that legislation was passed with an extremely rush process you would typically expect with legislation like this to see you know months long public hearings broad expert input on on all sides of the different issues similar to what happened and in nineteen eighty six when there was a major tax reform effort that took years to it to to pass where is this was kind of rushed through in just a couple of months and opportunities owns were sort of slipped into it without a lot of attention being paid to it and and I think kind of as a result of that there are a lot of holes that the treasury department had tend to fill through implementing regulations which actually gave treasury a lot of power to make important decisions about who can actually benefit what types of investment can qualify and you know what they could have done was add significant public protections to it to make sure that investments have public

Cory Booker Senator Twenty Seventeen Year Billion Dollars Fifteen Percent Twelve Percent One Percent Ten Years
Cleveland Cavaliers, Quicken Loans And Detroit Area Hospital discussed on Sean Hannity

Sean Hannity

00:20 sec | 3 years ago

Cleveland Cavaliers, Quicken Loans And Detroit Area Hospital discussed on Sean Hannity

"Dan Gilbert, the billionaire businessman, and founder of Quicken Loans is currently recovering comfortably Detroit area hospital after suffering, stroke like symptoms on Sunday. Just last Tuesday. He introduced new Cleveland Cavaliers coach John beeline at a press conference at the Cavaliers training facility in independence,

Cleveland Cavaliers Quicken Loans Detroit Area Hospital Dan Gilbert John Beeline Founder
U.S. billionaire, co-founder of Quicken Loans, hospitalized

KDWN Programming

00:23 sec | 3 years ago

U.S. billionaire, co-founder of Quicken Loans, hospitalized

"Also on the NBA front billionaire businessman in Cleveland. Cavs owner, Dan Gilbert, he's recovering after symptoms of stroke. Officials with Quicken Loans that owns the arena, there said in a statement that Gilbert received immediate medical attention. He's currently recovering comfortably after going to a hospital early Sunday. He is Quicken Loans. Not only owns the Cavs, but he also is Quicken Loans. Founder

Quicken Loans Cavs NBA Cleveland Founder
2019 March Madness Begins

CBS Sports Radio

03:54 min | 4 years ago

2019 March Madness Begins

"So the March madness frenzy is now underway because the bracket. I'm holding one in my hands. Just won. I usually fill out two or three. But I'm holding one pristine perfect bracket in my hands. It's only perfect because I haven't yet started filling out winners and losers. That's where you come in. We've got the after hours bracket challenge. Now, you've got the bracket you've got a couple of days to Termine who the winners will be and how you plan on taking out the crew we are inside the rocket mortgage by Quicken Loans studio rocket mortgage is with you every step of the way to provide a seamless mortgage experience. I would love to hear from you about the bracket about what stands out can I tell you what stands out for me about selection Sunday. How wonderful it was to have CBS go on the air and sixty seconds later. We were doing brackets Beatty. Don't make me sit through bunch of analysis and predictions. When I know you're hiding the brackets. Gimme gimme gimme gimme the brackets now and PBS went back to basics. I would say this. If it was any other network. There is absolutely no need for a two hour show that favors the brackets until the final thirty minutes for heaven sakes. It was boring last year. And it was. Drama that was unnecessary because the brackets bring their own drama. So I love the fact that within sixty seconds of the selection show starting on Sunday on CBS. We were already seeing the first bracket which featured Duke as the overall number one this year wasn't that way until Zion Williamson returned and the blue devils ran through the ACC championship if you didn't stay awake. So you're on the east coast, and you didn't stay awake or you had other plans on Friday night and missed Dookie UNC. All it was a fantastic tug of war. It was so good all the way until the end. So we'll talk about that game as well. As what do you did to win the and secure its spot as the number one seed a lot changed over the last couple of days among the ones and the twos. But for the blue devils their fourteenth time as a one seed, although the first time is the overall number one since two thousand fifteen. The other three top seeds Virginia in the south. Now remember last year Virginia with coach Tony Bennett was the overall number one and lost to a sixteen. First time it's ever happened. You remember the name? So this year the Cavaliers the who's our second in terms of the top seed. So the second overall seed. And they've actually got the defending champ in their south region. So Villanova won a third consecutive big east title, but because of the roller coaster ride for the Wildcats season Villanova's a six seed so interesting there we'll hear from head coach Jay Wright a little bit later on. You also have the big bracket BUSTER coming out of the pack twelve Oregon the twelve seed after winning four games in four days to capture the automatic bid. So love it when that happens when a team that wouldn't have gotten in other wise ends up winning the conference tournament. That's the true definition. Of the madness and the little guy having an opportunity every team having the same opportunity to get into the field of

Cavaliers CBS Beatty Virginia Quicken Loans Termine Villanova Tony Bennett Zion Williamson Oregon Duke Jay Wright Wildcats Sixty Seconds Thirty Minutes Four Days Two Hour
Why Does Beer Foam Last Longer Than Soda Foam?

BrainStuff

04:38 min | 4 years ago

Why Does Beer Foam Last Longer Than Soda Foam?

"Support. For brain stuff comes from our friends at rocket mortgage by Quicken Loans are excited to introduce their all new rate shield approval. If you're in the market to buy a home rate shield approval is a real game changer. And here's why first Quicken Loans will lock your rate for up to ninety days while you shop, but here's the crucial part every up your rate stays the same. But if rates go down your rate also drops either way you win. It's the kind of thinking you'd expect from America's largest mortgage lender. To get started. Go to rocketmortgage dot com slash brain stuff rate shield approval. Only valid on certain thirty year purchase transactions. Additional conditions or exclusions may apply based on Quicken Loans. Data in comparison to public data records, equal housing lender. Licensed in all fifty states and m s consumer access dot org number three zero three zero. Welcome to bring stuff from how stuff works. Hey, rain stuff. Lauren Bogle bomb here. Poor soda into a glass, and it will foam, but those tiny bubbles quickly die down beer on the other hand will form a foamy head that sticks around long after it's been poured bow their carbonated imported from a bottle can we're fountain. So why does beer form ahead but soda doesn't? There's a lot going on in that foamy beer head from the delicate interaction of gas and protein to alcohol content beer is complex. And we don't just mean the flavor like it. Or hated beer foam is a preview of what you're about to imbibe as each beer bubble releases an aroma. The scent begins to influence your perception of the beverage and wet your interpretation as you prepare to drink it. Plus, a dense had a foam can make a beer feel more. Creamy and flavorful beer is. In fact, the only alcoholic beverage that will form and maintain ahead of foam, the formation of this foam, also known as nucleus involves a complex reaction of proteins. This includes large protein molecules and their smaller. Cousins, poly peptides. One protein specific to barley, malt, which is used in the brewing of beer is worth a closer. Look it's called lipid transfer protein one or LT P one, and it has a serious aversion to water to escape the wet stuff. It will use a bubble of carbon dioxide as a life. Preserver thankfully for LT. P one. There are a lot of life preservers because co two is produced an abundance during the fermentation of beer, and may also be introduced during bottling as LT P one clings to the carbon dioxide and rises to the surface will form a protective coating around the bubble that makes more difficult to pop this helps beer maintained its head far longer than a soda or hard cider. But it's not the only factor at work. Additional hydrophobic poly peptides bond with compounds that enter the beer, courtesy of the hops that beer, usually contains the hubs, I so alpha acids further lend stability to the film, even with the potential for all these bubbles to stick around a foamy head isn't a sure thing. Beer has a sweet spot an oklaho- content about five percent too high or too low in the foam will dissipate more quickly. Keep in mind that beer foam would be nothing without a glass in which to reach its full potential. The next time you drink a frothy glass of ale take closer look at that vessel. Are there nearly imperceptible scratches on the inside of the glass is there a brand logo etched into the glasses interior perhaps at the bottom? This interruption of the flat surface creates a nucleus site as series of cracks and scratches designed to encourage bubbles to continue to form and rise. These special adaptations paired with beers penchant for foam mean its head will outlast sodas, no matter how it's poured. Today's episode was written by Laurie Al dove and produced by Tyler clang for Fermoy in this and lots of other bubbly, topics. Visit our home planet. How stuff works dot com. Hey, Matt I have yet to ride one of those bird scooters. 'cause I hate those things that does not surprise me at all Joel. But you know, I've been getting Instagram adds to give me to become a bird charger to join that gig economy. Oh, that's right. Just like Uber folks are getting targeted to start side hustles to make an extra buck or even to try to make a career out of it. But should you? Do it not all side hustles are created equally. Exactly every week. We dive into practical money topics like this on our podcast. Listen subscribe to our show on apple podcasts the iheartradio app or wherever you get your podcast. Just search for how to money.

Quicken Loans America Lauren Bogle Matt Fermoy Apple Laurie Al Tyler Clang Joel Five Percent Ninety Days Thirty Year
What Exactly Are Frankincense and Myrrh?

BrainStuff

06:42 min | 4 years ago

What Exactly Are Frankincense and Myrrh?

"Support. For brain stuff comes from our friends at rocket mortgage by Quicken Loans are excited to introduce their all new rate shield approval. If you're in the market to buy a home rate shield approval is a real game changer. And here's why first Quicken Loans will lock your rate for up to ninety days while you shop, but here's the crucial part every up your rate stays the same. But if rates go down your rate also drops either way you win. It's the kind of thinking you'd expect from America's largest mortgage lender. To get started. Go to rocketmortgage dot com slash brain stuff rate shield approval. Only valid on certain thirty year purchase transactions. Additional conditions or exclusions may apply based on Quicken Loans. Data in comparison to public data records, equal housing lender. Licensed in all fifty states and m s consumer access dot org number three zero three zero. Welcome to brain stuff from how stuff works. Hey, bring stuff Lauren Vogel bomb here. If you've heard of frankencense and Moore, it's probably thanks to the biblical account of the birth of Jesus. According to the book of Matthew chapter, two wise men. Followed a bright star in the east of Bethlehem to where Jesus had been born and presented him with gifts of gold frankencense and Moore during the Christmas season depictions of this event, Argub it quits in American culture, decorating, churches, and shopping, malls alike. But don't let the shiny tinsel and festive candidates distract you from our question today. What exactly are frankencense and mirror? Both frankencense are derived from tree sap or gum resin and are prized for their lowering fragrances frankencense is a milky white resin extracted from species of the genus bus. We Leah which thrive in arid cool areas of the Arabian peninsula, east Africa and India the finest and most aromatic of the species is bus willia- sacra, a small tree that grows in Somalia, Oman and Yemen, these plants which grow to a height of about. Sixteen feet or five meters have papery bark sparse branches of paired leaves and flowers with white petals and a yellow or red center murder is a reddish resin the comes from species of the genus come four, which are native to northeast Africa. And the adjacent areas of the Arabian peninsula. Come a foreign Mira a tree commonly used in the production of Moore can be found in the shallow. Rocky soils of Ethiopia Kenya. Amman Saudi Arabia and small it boasts shiny branches was sparsely that grow in groups of three and can reach a height of nine feet or about three meters. The process for extracting, the sap of these trees is essentially identical harvesters make a longitudinal cut in the tree's trunk which pierces gun resin reservoirs located within the bark the sap slowly uses out from the cut and drips down the tree forming tear-shaped droplets, they're left to harden on the side of the tree. These beans are collected after two weeks people in east Africa and the Arabian peninsula, had produced frankencense and Merv for some five thousand years for much of this time these. Medic resins were the region's most important commodity with a trade network that reached across Africa, Asia and Europe today. Demand for frankencense and Moore has subsided a bit, but numerous Chinese Greek Latin and sanskrit texts reminders of their past importance frankencense and Moore were desired for personal religious and medicinal use in a time before daily bathing people would use the sweet smoke from the resins to make themselves. Smell better. Egyptian women would mix frankencense ash into their I shadow these substances were also widely used in religious ceremonies and burials, according to the Greek writer here notice Egyptians used both frankencense and myrrh in preparation of animals sacrifices and human mummies Jews incorporated them into their religious ceremonies by the third century, BC and Christians by the fourth century, CE the residents also had medical uses in the papyrus Ebbers from fifteen hundred BC priests recommended both resins for the treatment of wounds other ailments. They were once reported to cure included, hemlock poisoning leprosy were. Terms snake bites? Diarrhea plague scurvy and even bald this the high demand for frankencense and Moore created a booming trade in the Middle East lasting several hundred years in the first century, CE around the height of this trade. Plenty the elder claims that Arabia produced approximately one thousand six hundred eighty tonnes about fifteen hundred metric tonnes a frankencense and around four hundred forty eight tons or four hundred metric tons of mir- each year, one of the most important trade centers surrounded and a waste and modern day. Southern Oman this outpost exported frankencense across best Petya India and China for about three hundred BC e to the third century. See the ruins of the settlement remain as UNESCO world. Heritage site known as the land of frankencense, clearly frankencense and Moore were widely available when the wise men visited the baby Jesus around five BC and would have been considered practical gifts with many uses the expensive resins were symbolic as well. A frankencense which was often burned symbolized prayer rising to the heavens like smoke. While mirror, which was often used in bombing symbolized death. So scholars think that frankencense was presented to the infant Jesus to symbolize his later role as a high priest for believers while Mur symbolized, his later, death and burial frankencense and Moore may not be as popular as they once were. But they're still used today in some ways that you might not expect their common ingredients in modern, perfumes, and cosmetics. Continuing a tradition that's lasted years. Scientists are finding new uses for the substances as well. Recent studies suggest that frankencense or its extracts may help intriguing asthma. Rheumatoid arthritis Crohn's disease, and osteoarthritis researchers have also discovered possible benefits of murder in the treatment of gastric ulcers tumors and parasites. This episode was written by Clint pump free and produced by Tyler claim for more on this and lots of other spicy topics. Visit our home planet. How stuff works dot com. You know, people say necessity is the mother of invention. But that's not always true. Sometimes the mother of invention is advertising. Yeah. Or pure accident. How about ego maniacal delusion? Absolutely. Or just a desperate longing. To be cool. I'm Robert lamb, and I'm Joe McCormick. You're the host of the science podcasts stuff to blow your mind. And now we're branching off into the exploration of invention. Invention is the story of human history told one piece of technology at a time the things we made and how they made us invention publishes every Monday, listen and subscribe to invention on apple podcasts the iheartradio app or wherever

Frankencense Moore Quicken Loans Murder Oman Jesus Amman Saudi Arabia America East Africa Lauren Vogel Bethlehem Leah Africa Gastric Ulcers Ethiopia Matthew Middle East Arabia
Why Are Christmas Trees That Shape?

BrainStuff

04:37 min | 4 years ago

Why Are Christmas Trees That Shape?

"Support. For brain stuff comes from our friends at rocket mortgage by Quicken Loans are excited to introduce their all new rate shield approval. If you're in the market to buy a home rate shield approval is a real game changer. And here's why first Quicken Loans will lock your rate for up to ninety days while you shop, but here's the crucial part every up your rate stays the same. But if rates go down your rate also drops either way you win. It's the kind of thinking you'd expect from America's largest mortgage lender. To get started. Go to rocketmortgage dot com slash brain stuff rate shield approval. Only valid on certain thirty year purchase transactions. Additional conditions or exclusions may apply based on Quicken Loans. Data in comparison to public data records, equal housing lender. Licensed in all fifty states and m s consumer access dot org number three zero three zero. Welcome to brain stuff from how stuff works. Apron stuff. I'm Lauren Vogel bomb and during the final month of the year or sometimes much sooner vast numbers of harvested trees begin their migration indoors or their festooned with ribbons garlands, ornaments and lights, although these trees are grown in the spirit of Christmas. They don't magically or genetically aspire to a perfectly peaked shape after Christmas. Trees reach a height of about three to four feet that's around one meter or should workers start helping the shape along with the process called shearing. The trees do most of their new growth in the spring after that starts hardening up in the summer workers share each tree individually with long sharp knives. The most common types of Christmas. Tree are Douglas fir Canaan for Frazier for and several species of spruce or pine however out of these six hundred and thirty species of conifers in the world, the majority don't actually grow in a strictly conical shape. So trimming is a crucial task when growing these specimens meant to become Christmas. Trees. This pruning process must continue every summer until the trees reach a marketable age, which usually takes six to eight years. So why did Christmas celebrants demand pure middle trees during the holidays the notions behind much of the world's traditional Christmas decor, originated in northern Europe? And particularly Germany where enduring images entails from the mid nineteenth century still ensure that sugar plums are dancing for our heads. And that our Christmas trees are conical in that part of the world energy green trees are pyramid-shaped for good reason each needle leaf layer has a better opportunity to gather sunlight for photosynthesis. If the sun isn't blocked by wide top layers, this tiered arrangement allows the trees to shake off heavy snowfall and the wide spaces between branches that the winds whipped through without causing too much damage, although synthetic Christmas trees, don't generally drop needles on the floor or pose a fire damaged by drying out. They can't replicate the experience of selecting a real Christmas tree. And for a lot of people. It just isn't Christmas without the pie. Any smell of freshly cut tree billions of consumers agree, according to the national Christmas trees association in two thousand sixteen a consumer survey revealed that the sales of real Christmas trees outpaced those a fake trees twenty seven point four million to eighteen point six million. And as they grow and await their moment in the spotlight. These real Christmas trees provide homes for wild birds and animals while storing carbon and generating oxygen and best of all the trees are renewable resource. When one is cut a new one is planted in its place. Most people who buy real Christmas. Trees select pre cut version sold at retail, lots garden centers end chain stores, only twenty three percent of those who opt for the real thing. Go out and cut their own. Today's episode was written by Lori L dove and produced by Tyler clang for more on this in lots of other carefully. Shaped topics is that our home planet. How stuff works dot com. Hebron stuff listeners for all you fans of true crime investigations. There's a new podcast from glamour, and how stuff works Marcus Hanna. Devante Abigail, Jeremiah and Sierra were all black children adopted by two white women, Sarah and Jennifer heart. It looked as if the hearts were the perfect family, but their lives ended in a murder suicide car crash that shocked their friends and made national headlines starting September fourth with new episodes every Tuesday co host justina and Elizabeth follow the families fatal journey even listen and subscribed to broken hearts spelled H. A R T S on apple podcasts the iheartradio app or wherever you listen to podcasts.

Douglas Fir Canaan Quicken Loans America Marcus Hanna Germany Lauren Vogel Murder Devante Abigail Apple Frazier Sarah Lori L Tyler Clang Europe Justina Jeremiah Jennifer Heart Sierra Elizabeth
Why Is Holly a Christmas Decoration?

BrainStuff

06:38 min | 4 years ago

Why Is Holly a Christmas Decoration?

"Support. For brain stuff comes from our friends at rocket mortgage by Quicken Loans are excited to introduce their all new rate shield approval. If you're in the market to buy a home rate shield approval is a real game changer. And here's why first Quicken Loans will lock your rate for up to ninety days while you shop, but here's the crucial part every up your rate stays the same. But if rates go down your rate also drops either way you win. It's the kind of thinking you'd expect from America's largest mortgage lender. To get started. Go to rocketmortgage dot com slash brain stuff rate shield approval. Only valid on certain thirty year purchase transactions. Additional conditions or exclusions may apply based on Quicken Loans. Data in comparison to public data records, equal housing lender. Licensed in all fifty states and m s consumer access dot org number three zero three zero. Welcome to brain stuff from how stuff works. Hey, brain stuff, I'm more in Vogel bomb and during the Christmas season, Holly adorns houses, all over the world, the prickly green plant, and it's red berries, whether real or crafted from plastic are popular ornament for anyone wanting to make their space a little more festive. But where did this tradition begin? Why do we deck our halls with boughs of Holly every December? What does Holly represent in the celebration of Christmas despite its association with the Christmas season? Holly did not get its name from wholly the name of the plant is very similar across both traumatic and Latin languages and its origin is probably the proto Indo European root word Cal, which appropriately means prickly or to prick a proto Indo European being the ancient base language of all Indo, European languages even in ancient times. People took advantage of the sharp ends of hollies leaves druids hung it on windows and doorways to fend off evil, which is spirits before. Holly was hung in houses to accompany Christmas trees, it was considered to be a sacred plant by the. Druids well, other plants wilted in winter weather, Holly remained green and strong. It's buries a brightly colored red in the harshest of conditions. The druids regarded Holly as a symbol of fertility. Eternal life thought to have magical powers in Riddick. Lor cutting down a Holly tree would bring bad luck. In contrast hanging. The plate in homes was believed to bring good luck and protection. Holly was also thought to protect homes against lightning strikes Romans associated Hollywood Saturn. The God of agriculture and harvest and duct the halls with its bows. During the festival of saturnalia early Christian calendars, Mark Christmas Eve as template exhorted her meaning churches are decked though, supposedly saturnalia celebrators didn't allow some Christians to hang bows and honor of Christmas Christians adopted, the Holly tradition from druid Celtic and Roman traditions and its symbolism changed to reflect Christian beliefs today. Christians may consider highly symbolic of Jesus Christ in two ways, the red berries, represent the blood that Jesus shed on the cross on the day. He was crucified. Legend states that Holly berries were originally white. But that the blood Christ shed for the sins of humankind stained the berries, forever, red hollies pointed leaves symbolized the crown of thorns placed on Jesus's head before he died on that cross. Holly is known as Christ Dohrn in German, meaning Christ Owen, both of these symbols are meant to serve as a reminder to Christians of Jesus suffering. But they aren't the only stories tying Holly to Jesus one claims that the cross on which Jesus was crucified was constructed of Hollywood. Another says that Holly sprang up from his footsteps less. Common symbolism includes the hollies white blossoms, representing purity. And the idea that if the Holly used decorate a home for Christmas as prickly. The man of the house will rule for the coming year. But if the whole used is smooth the woman will rule traditionally Holly has been associated specifically with men for whom it was considered to bring good luck and protection, the female counterpart to Holly being Ivy. But let's take a closer look at the science behind this legendary plant Holly botanical name, Alex Aquaphor. Liam is a shrub or tree found primarily in North America Europe and Asia with hundreds of species of the plant ranging from short shrubs, two meters, high or about six feet tall trees up to forty meters high or about one hundred and thirty feet, it's known primarily for its bright crimson, berries, and prickly. Green leaves holies can be evergreen, meaning the plants glossy leaves are on the tree year round or deciduous. Meaning the leaves fall off seasonally white flowers bloom in may or June and with help from insects like bees, the female flowers produced those characteristic berries. Like its holiday companion mistletoe hollies berries are toxic to humans resulting in nausea and severe stomach aches when ingested not. So for some animals, though, berries are a vital source of food for birds such rushes and blackbirds. Although the scarlet berries are famously prominent in homes for the holiday season, they're not the only useful part of hollies, the berries are poisonous. But the green leaves have been used in herbal remedies for centuries for various medical conditions like dizziness fever anti tension, though. There's currently little medical proof of the plan's effectiveness. Also Hollywood is hard and compact making it excellent for carving. It's sometimes use to make chess pieces and walking sticks. If you have a passion for Holly three hundred and sixty five days of the year, the mission of the New Jersey-based Holly society of America is to stimulate interest promote research and collect and disseminate information about the genus Illex members can join a local chapter find out where to get the best Christmas Holly and gaze upon the Holly of the year. As voted on by the HSA board of trustees. Today's episode was written by Sam Abramson and produced by Tyler clang for more on this and lots of other festive topics. Visit our home planet. How stuff works dot com. Hello. My name is Kevin Pollack. Yes. The award winning funny fellow from that film. And or TV thing that makes you smile every darn time. You see it, folks. Did you know, I've got a new comedy podcast that was created with you and mine 'cause I do it's called alchemy this, and it was designed with a single purpose, you laughing a lot I'm talking please. Let someone else drive when listening if you enjoy laughing uncontrollably while running errands exercising or building a crispy cream doughnut machine. In your basement from parts you stole while working there. As an assistant manager, oh, buddy. Boy, I've got the comedy podcast for you each episode. I'm the puppet master who

Holly Holly Society Of America Quicken Loans Jesus Hollywood America Nausea Assistant Manager Kevin Pollack Riddick Vogel Alex Aquaphor Christ Owen North America Liam Sam Abramson
BrainStuff Classics: How Do Accents Work?

BrainStuff

05:40 min | 4 years ago

BrainStuff Classics: How Do Accents Work?

"Support. For brain stuff comes from our friends at rocket mortgage by Quicken Loans are excited to introduce their all new rate shield approval. If you're in the market to buy a home rate shield approval is a real game changer. And here's why first Quicken Loans will lock your rate for up to ninety days while you shop, but here's the crucial part every up your rate stays the same. But if rates go down your rate also drops either way you win. It's the kind of thinking you'd expect from America's largest mortgage lender. To get started. Go to rocketmortgage dot com slash brain stuff rate shield approval. Only valid on certain thirty year purchase transactions. Additional conditions or exclusions may apply based on Quicken Loans. Data in comparison to public data records, equal housing lender. Licensed in all fifty states and m s consumer access dot org number three zero three zero. Welcome to brain stuff from how stuff works. Hey, brain stuff, Lauren Bogle bomb here with another classic episode from our erstwhile host Christian Sager. This episode sets out to answer a question that lots of us around the office having backgrounds in theatre were curious about how do accents work. Hey, I'm Christian Sager. An I'm speaking with an American accent. But where to accents come from not just mine, but all of them. I let's figure out what an accent is accents are just a part of something bigger called dialects. And accent refers to the way a person or a group sounds a dialect refers to the accent in the grammatical features, inherent and a person's speech. So an accent is just a way of pronouncing a language every single person. Speaking has one your accent results from how where and when you learn the language, you're speaking in and it gives impressions about you to other people, no one has a single fixed accent determined by his or her experience because we can and do control the way we speak both consciously and unconsciously, in fact, most people change the way, they speak depending on who's listening and our accents can even change. When we have new life experiences, but we're to accents in general, come from, well, primarily two things isolation and human nature, we're social animals, and when we're in groups we like to behave in similar fashion and show that we belong, and we do this in multiple ways language is no different. When groups become distinct the way, they speak becomes distinct too. So if a single group, separates socially and geographically think of group f going to one island in group b going to another then over time they developed distinct dialects, they may eventually even sound like two different languages, humans are widely travelled species. And as distinct groups mingled with others their accents changed combining some traits while losing others. No accent is particularly better than another while you might hear some folks talk about accentless English with they're really talking about our dialects like received, pronunciation or. Or general American which are the reference varieties? They're transcribed in dictionaries and often taught to foreign English students, but they are accents and on the less. So what does your accent say about you? It depends on who's listening. You might have an accent that is associated with a particular place like London, for example. But some people may just associate that with England and in all languages, some accents have higher or lower perceived prestige. Meaning they are often associated with a higher social class. For example, Americans have often looked down on the southern US accent, the southern accent is associated with several stereotypes. But other English speakers say in the UK or ustralia might not share the same prejudice. They will however have their own stereotypes about accents. And these stereotypes won't completely carry over to other English groups either. So if there's an accent joke in a British film, your American friends might not get it at all. These perceptions are not based on anything inherent in the accent. If you play recordings of different accents to non English speakers, they won't be able to tell which ones are high or low prestige. But if you really feel that your accent isn't working, then the good news is that you can change it. You'll have to work at it figure out. Exactly how you'd like to sound. And then expose yourself to that as much as possible, but it is possible. Today's episode was written by Ben bolan and produced by Tyler claim for more on this and lots of other topics. Visit our home planet. How stuff works dot com. I'm Erin minke by now, you've probably heard about my newest podcast on obscured. It's a seasonal show that dives deep into a single major historical event. And this season has been all about the Salem witch trials with the release of episode twelve on December nineteenth the entire season is out. It's the perfect opportunity to get caught up and finish the journey. You started or to dive in and binge the entire show, but we're not done. Just yet starting on January second we'll be releasing all six of our incredible historian interviews for you to hear in full. These were great conversations with the leading scholars in the world of the Salem witch trials, and you won't want to miss them. Learn more about the show over at history on obscured dot com

Quicken Loans Christian Sager Salem America Lauren Bogle London United States England UK Erin Minke Ben Bolan Tyler Ninety Days Thirty Year
What Happens When Elevator Cables Break?

BrainStuff

06:06 min | 4 years ago

What Happens When Elevator Cables Break?

"Support. For brain stuff comes from our friends at rocket mortgage by Quicken Loans are excited to introduce their all new rate shield approval. If you're in the market to buy a home rate shield approval is a real game changer. And here's why first Quicken Loans will lock your rate for up to ninety days while you shop, but here's the crucial part every up your rate stays the same. But if rates go down your rate also drops either way you win. It's the kind of thinking you'd expect from America's largest mortgage lender. To get started. Go to rocketmortgage dot com slash brain stuff rate shield approval. Only valid on certain thirty year purchase transactions. Additional conditions or exclusions may apply based on Quicken Loans. Data in comparison to public data records, equal housing lender. Licensed in all fifty states and m s consumer access dot org number three zero three zero. Welcome to brain stuff from how stuff works. Hey, Brian stuff on more invoke bomb, and you may have heard about it in the news in November of two thousand eighteen six people boarded an elevator at the former John Hancock center in Chicago for the ride down from the signature room bar on the ninety fifth floor to the lobby but one of the cable snapped and the elevator plunged eighty four floors to the eleventh floor amazingly, none of the passengers had to be hospitalized. And there were no serious injuries. The passengers thought they had only fallen a few floors. However, they did have to wait three hours to be rescued by firefighters because there were no openings between the floors. So how was it possible? That one of the worst things that can happen to people in an elevator occurred and everyone survived elevators in the real world. Have so many safety features that the kind of thing you see in movies where villain cuts a single cable disaster. Ensues usually never happens. Here's the breakdown. First. Let's look at those cables and a cable elevator system. Steel cables bolted to the car loop over a sheaves achieve is a pulley with a grooved rim surf. Office at the top of the elevator. Shaft the sheaves grooves grip the steel cables. So when an electric motor rotates, the shave the cables, moved to the cables that lift the car are also connected to a counterweight which hangs down on the other side of the sheaf the car and the counterweight both right along on steel rails. Each elevator cable is made from several lengths of steel material wound around one another these cables, very rarely snap. And inspectors look them for wear and tear. But even a steel cable can break. So what happens then almost all pulley? Elevators have multiple cables between four and eight in total. Even if one cable snapped the remaining cables would hold the elevator car up. In fact, just one cable is usually enough. But let's say all the cables did snap. Then. The elevators safeties would kick in safeties are breaking systems on the elevator car that grab onto the rails. Running up and down the elevator. Shaft some safeties clamped the rails. While others drive a wedge into notches in the rails. Typically, safeties are active. Aided by a mechanical speed governor. The governor is poli that rotates when the elevator moves when the governor's spins too fast. The internal force activates the braking system, even if the cables and the safeties all failed. Sure, you would be plummeted rapidly. But you wouldn't quite be in freefall friction from the rails along the shaft and pressure from air underneath the car would slow the car down considerably though, you would feel a bit lighter than normal. Unim- packed the car would stop, and you would keep going slamming you into the floor, but two things would cushion that blow. I the elevator car would compress air at the bottom of the shaft as it fell just as a piston compresses air in a bicycle pump. The air pressure would slow the elevator car down second most cable. Elevators have a built in shock absorber at the bottom of the shaft typically a piston in an oilfield cylinder that would cushion the impact to with all of these features in place. You would have an excellent chance of surviving. Any elevator mishap in the case of the Chicago. Elevator incident. Once the firefighters figured out where the passengers were the crew put up struts to make sure the elevator did not drop any further, then they broke through a wall. Forced to the elevator door open and put a ladder into the elevator to help people up and out. Chicago fire department spokesman Larry Langford told the Chicago Tribune, we don't like to have to go through walls, unless it's absolutely necessary. The only other way to get to the elevator would have been ropes from the ninety seventh floor and that would not be safe. We don't come down like Batman. So we must go through the wall. You sometimes hear that you should jump immediately before an elevator crashes. So that you would be floating at the second of impact would that work? Now, even if you could perfectly time such a leap it wouldn't help. Let's say you and the elevator are falling at a hundred miles per hour. That's around one hundred sixty one kilometers per hour. Unless you have some superhero powered legs when you jump up in the elevator. You'd still be going about one hundred miles per hour. And then you would hit the ground at one hundred miles per hour. Just like the elevator. Your best bet would be to live flat on the floor. This would stabilize you and spread out the force of the impact. So that no single part of your body would take the brunt of the blow. Today's episode was written by Kathryn Witt, born and produced by Tyler for more on this. Lots of other well backed up topics visit our home planet. Testif- works dot com. Hey listeners in lieu of an ad today. I wanted to tell you about a new podcast art of the hustle that breaks down how the world's most fascinating and successful. People got to where they are. It's hosted by Jeff Rosenthal, one of the brains behind summit the world's preeminent festival. Celebrating ideas every show. He grills one guest on how they hustled their way to the top people like Tim Ferriss who believes that being an introvert like he is can make you a savvier entrepreneur tune into art of the hustle a brand new show from iheartradio. And we work new episodes drop every Wednesday, so listening subscribe at apple podcasts on the iheartradio app or wherever you listen to podcasts.

Quicken Loans Chicago America Jeff Rosenthal John Hancock Center Tim Ferriss Chicago Tribune Testif Brian Unim Larry Langford Iheartradio Kathryn Witt Apple Fire Department Tyler One Hundred Sixty One Kilomete Ninety Fifth Ninety Days
Do Dogs Get Embarrassed When We Put Them in Costumes?

BrainStuff

06:05 min | 4 years ago

Do Dogs Get Embarrassed When We Put Them in Costumes?

"Support. For brain stuff comes from our friends at rocket mortgage by Quicken Loans are excited to introduce their all new rate shield approval. If you're in the market to buy a home rate shield approval is a real game changer. And here's why first Quicken Loans will lock your rate for up to ninety days while you shop, but here's the crucial part every up your rate stays the same. But if rates go down your rate also drops either way you win. It's the kind of thinking you'd expect from America's largest mortgage lender. To get started. Go to rocketmortgage dot com slash brain stuff rate shield approval. Only valid on certain thirty year purchase transactions. Additional conditions or exclusions may apply based on Quicken Loans. Data in comparison to public data records, equal housing lender. Licensed in all fifty states and m s consumer access dot org number three zero three zero. Welcome to brain stuff from how stuff works. Hey, brain stuff, I'm Lauren Vogel bomb, and I suspect that some of you love dogs. Some of you might even like dressing them up for warmth or fun Hellene costumes holiday outfits birthday dresses, boots, scarves, wigs painted nails. More boots. Some of these outfits are decidedly sillier than anything. Their owners would wear which leads us to the question of the day do dogs get embarrassed. When we dress them up in humans embarrassment is an emotion, just like love, guilt, sadness, fear or happiness, when someone we know dies. We feel sorrow when people make fun of us. We feel humiliated or embarrassed when something good happens, we feel happiness humans have six basic, emotions, love joy, surprise, anger, sadness, and fear. Some researchers argue that we display only four basics. Happy sad a combo of afraid surprised and a combo of angry and disgusted, but that's a topic for another day, whichever set you go by these. Primary emotions then branch out to secondary, motions such as pride relief and optimism tertiary emotions include excitement, loneliness and embarrassment yet, emotions are fleeting they last for only a brief time. We don't stay embarrassed forever. Or at the very least we shouldn't in humans embarrassment is a so called self conscious emotion, just like guilt. We get embarrassed. When we tripper fall when we burp at the dinner table or spill a Cup of coffee on a nice white shirt as a crowd of people look on. But do dogs feel the same emotions that we do. It's a good question and one that scientists have been mulling over for years if your dog owner, there's no question that dogs become emotional. They wag their tail when they're happy. They look guilty years back had down when they pee on the rug or to a book to shreds. We also know that they can get jealous of a new addition to the house like a baby or another dog or the cat who claims their favorite person's lap. Still many scientists have yet to come to grips with the idea that dogs experience emotions like humans while some argue that dogs do feel a range of emotions guilt may not be one of them. Instead dogs may simply be reacting to their owner's body language in the opinion of some dogs, experienced only instant reaction, emotions, fear, joy, sadness, and anger, which brings us back to whether dogs get embarrassed their scale is certainly different if they do given that they don't have our hangups, and thus aren't embarrassed by things that would mortified most humans like getting caught scratching or licking decidedly delicate itches in public. We spoke by Email with Dr Jessica Pierce, a bioethicist who has written extensively on these Ikoyi of dogs and cats she said as far as I know there's been no systematic research into whether or not dogs feel embarrassment. But I would guess they do that said when we dress them up as lobsters Donald Trump for Halloween, and they put their ears back and tuck their tails down it may not be embarrassment. That they're feeling they might simply find the costumes uncomfortable or unfamiliar, and they might be upset by or reacting to the fact that all the people around them are laughing and acting excited if she had to bet on it Pierce things dogs, probably experienced the same basic emotions as humans. She said dogs. Most certainly experienced what are called the primary emotions such as anger, fear, sadness, and joy, they also likely experience a whole range of secondary, motions, including empathy guilt and embarrassment as for which emotions dogs lack. I wouldn't feel confident putting anything on that list. My guess is that the more closely scientists studied emotional experiences and passages of dogs the more they will find so should you dress your dog up to put it bluntly? If you would feel humiliated dressed up as a lobster or Donald Trump. Then chances are your dog will to appear said when people ask me whether it's mean to dress our dogs up in costumes or fancy sweaters. My answer is ask your dog. If your dog seems uncomfortable then take the cost. Hmm off after quickly taking that cute photograph to post on social media. If your dog doesn't seem to care or perhaps even seems to like being fancied up, then it's fine. Today's episode was by John Pera, Tanno and produced by Tyler claim for more on this and lots of other emotional, topics. Visit our home planet. How stuff works dot com. You know, people say necessity is the mother of invention. But that's not always true. Sometimes the mother of invention is advertising. Yeah. Or pure accident. How about ego maniacal delusion? Absolutely. Or just a desperate longing. To be cool. I'm Robert lamb, and I'm Joe McCormick. You're the host of the science podcasts stuff to blow your mind. And now we're branching off into the exploration of invention. Invention is the story of human history told one piece of technology at a time the things we made and how they made us invention publishes every Monday, listen and subscribe to invention on apple podcasts the iheartradio app or wherever

Quicken Loans Donald Trump Dr Jessica Pierce America Lauren Vogel Hellene Robert Lamb Apple Joe Mccormick John Pera Tanno Tyler Ninety Days Thirty Year
BrainStuff Classics: What Is The Oldest Living Thing?

BrainStuff

05:53 min | 4 years ago

BrainStuff Classics: What Is The Oldest Living Thing?

"Support. For brain stuff comes from our friends at rocket mortgage by Quicken Loans are excited to introduce their all new rate shield approval. If you're in the market to buy a home rate shield approval is a real game changer. And here's why first Quicken Loans will lock your rate for up to ninety days while you shop, but here's the crucial part every up your rate stays the same. But if rates go down your rate also drops either way you win. It's the kind of thinking you'd expect from America's largest mortgage lender. To get started. Go to rocketmortgage dot com slash brain stuff rate shield approval. Only valid on certain thirty year purchase transactions. Additional conditions or exclusions may apply based on Quicken Loans. Data in comparison to public data records, equal housing lender. Licensed in all fifty states and m s consumer access dot org number three zero three zero. Welcome to brain stuff from how stuff works. Hey, rain stuff. Lauren bulk ObamaCare with a classic episode from the vault our earth while host Christian Sager is exploring a tangling question. What is earth's oldest living thing? Neighboring stuff Krishan Sager here. So as far as aging goes humans have it pretty good. I mean, we're no giant tortoises, but we're generally capable of living for decades some of us for more than a century here at brand stuff. It got us thinking, what is the world's oldest living thing. Well, that's a tricky question. And the answer depends on how we define living and thing, I let's tackle what we mean. By thing. If we say a thing could also be a clone will colony than the competition heats up quickly. There are numerous plant and fungal. Clone. Colonies that have been around for tens of thousands of years, and they're still barreling along. There's king clone the creosote Bush in the Mojave almost twelve thousand years old, and we can't forget pando the gigantic male quaking Aspen, colonial colony in Utah. He is about eighty thousand years old. Incidentally, he's also the heaviest living thing weighing in around six million kilograms. But what if we stick to sing? Single organisms if so then the tiny end lifts are strong contenders. These extrema file Methuselah like to kick back and take it easy for millions of years. They've lived a mile and a half below the ocean floor with metabolism slower than molasses only reproducing once every few centuries or millennia. I mean that makes pandas look like rabbits, there's a big let's call it loophole in the definition of living dormancy what if something was frozen in time trapped in stasis and then revived like captain America the alien in the thing in two thousand and eleven professor Brian Schubert published a paper on just that he discovered bacteria in what he called a kind of hibernation state inside tiny bubbles of thirty four thousand year old salt crystals. Other scientists have claimed to find older organisms such as the two hundred fifty million-year-old bacteria in southeast New Mexico. But Schubert's work was. Independently reproduced. So if we allow an organism to take a time out and spent thousands of years in stasis there are loads of competitors for the title of oldest living thing, many of which may still lurk undiscovered in the isolated hinterlands of earth. You know, deep oceans remote mountains, endless Arctic wastes. Now, I'm thinking of HP lovecraft well moving on. There's one other important thing. Some organisms might be immortal. Now, don't get jealous. We're not talking about some super sexy vampire type immortality. No. We're talking about jellyfish specifically hydra and the turritopsis Dory. The turritopsis is only four point five millimeters large, but capable of something that may be unique in the animal world after reaching sexual maturity, it can revert to its polyp stage, it can reverse and reset its aging cycle rendering it biologically, immortal, and the hydra doesn't seem to age at all. That means that potentially the oldest living organism could one day be a jellyfish. But for now, even counting states of dormancy, the oldest living continually active things on earth appear to be the extreme file organisms collectively called Endo Litz. But of course, there may be something older varied in time. Dormant waiting for intrepid humans to wake it from its deathly slump. Today's episode was written by Joan McCormick and produced by Tyler playing to hear more from Joe check out his weird science podcast stuff to blow your mind wherever you tuned podcasts. This vary up perhaps. And of course, for lots more on this and other well preserved topics. Visit our home planet. How stuff works dot com. I'm Katie golden. I studied psychology and biology at Harvard, and I pretend to be a bird on Twitter and my new podcast creature feature. We've you nature in man from a new perspective each episode asking a comedian to get inside the minds of animals, so we can explore the startling connections to human psychology, you'll find blood bands and treachery that make game of thrones seemed like a dumb show for babies. Join us every Wednesday and subscribe on apple podcasts for on the iheartradio app or wherever you listen to podcasts.

Quicken Loans Brian Schubert Krishan Sager America Harvard Turritopsis Dory Christian Sager Twitter Obamacare Katie Golden Iheartradio Endo Litz New Mexico Bush Captain America Apple HP Professor Utah Joan Mccormick