17 Burst results for "R P"

"r p" Discussed on NewsRadio WIOD

NewsRadio WIOD

07:44 min | 1 year ago

"r p" Discussed on NewsRadio WIOD

"To be reasonable and knowledgeable on how much you can afford with your budget and quality is always more important than quantity. I think that's true. Yeah, right on one of the one of the big things that a lot of communities do. They have a certain budget, right. Some people have not. Increased our budgeting years. And they're expecting the same type of service. They may have gotten 10 years ago with the same money they currently have so at least unless they're willing to raise their budgets. Sometimes they need to reduce some of the amounts of stuff that they're getting so they can get the quality service they got used to 10 years ago, but with less service calls. Uh, in the most important thing to do is is the builder request for proposal in the in the industry. It's called an RPG or whether you're a homeowner or a business or a H away or commercial property. You should have a list of things that you're expecting. To have done and you need to be reasonable, obviously based on the money you have, and it's you know, it's recommended the hire professional. Sure some professional can put these things together for you based on your budget. So if you had $1000 to spend you tell him what you have to spend, and he will put together the maximum out. Uh, that is that you need for the $1000. You have so your expectations. You gotta be reasonable when you're doing this. Some of the companies will put these request for proposals for free Some charge of fee for it, Okay, and some will put it together as long as you give them the opportunity after the bid to match the most responsible bid that came in, all right, So you know as long as if somebody was a little bit less and You gave them the opportunity. They don't charge you for putting their RPI together for them. So it's Ah, It's well worth the investment to do that. Because you're gonna get really the right people The right bettors. The best companies on the best companies loved to have an R P. You know, we did get a lot of questions. And then we'll talk about those in the second half right? That came in through our info at cutters that product calm. So it led me to think you know, let me mention for homeowners themselves. You know when when you're hiring a landscaper in the neighborhood. We get a lot of questions a lot of times homeowners or stop us if we don't actually do the homes that are part of the master part of the community, So the homeowners have come up to us and ask us, you know, Can you come take a look at my house in a landscaper that's been doing my house and he just really destroyed some of my plants. And we'll go over and take a look at it. And I'm you know, I'm looking at the plant material. I'm saying Well, he he trimmed these things with heads, tremors that with hand hand shears or hand steps, and I said, Well, let me look at the agreement you have with this landscaper so I can see What you guys came to agreement and know exactly if he's doing what he said. He's going to do make sure not sure and 90% of the time. The homeowners don't have a signed agreement with their landscaper. They don't have an agreement. 90% 90%. They will say, Well, you know, we had an agreement verbally. Well, as you know, if it's not in writing, you can't hold anybody accountable for doing the job the way it's being done. So then what happens? So at that point, you can't hold him accountable in the landscape. It's so whose word whose words accurate, right? You know. So my my suggestion always is. First of all, have something in writing from the landscaper. It should have a letterhead with his name on it. If his once you get that you should go on to sunbiz doubt Orc. Which will have on our website, right? You'll be able to go out and take a look at and you should be able to see if he's an actual corporation, you know, So if they did come in and say by accident, they spilled fertilizer in your pool, and now you're pool's got a few $1000 worth of damage. And if you don't have an agreement with somebody and you don't know if they had a corporation, or they have a license They'll just disappear on you. And now you have thousands of dollars were damaged and you can't have any repercussions to go after somebody because you have nothing in writing you have you're dealing with a person that may not have had a corporation or license or proper insurance. But these are people that come into your house, you know, especially if they're doing If they're not just doing landscaping, or they're doing your maintenance. If you don't know if there are lice and company if you don't know there, you may know the employees by name or or how they get their employees. Do they do background checks on him? Didn't you drug test on him? You're allowing people into your yard that there in your backyard. Do they have the qualifications to cut your plants? Do they have the quality coupe educations to trim your plants, but even more so they're in your backyard. They have a clear view of inside your home, sir. They have access to your homes when you're not home. Most people are getting their yards. Then when they're at work, they come home and they see their yard has been trimmed or cut. Good, But you don't know what they're doing. Why they're there. And so Making sure that you have a company whether he's a small company or a large company. Make sure that you are investigating everything. Because if you went into the quarter law and tried to hold somebody accountable for the first time, a judge is gonna say ignorance is not, you know, it's not a next use. You didn't know that this company didn't have insurance to cover the damage that they caused in your home. So it doesn't matter whether the landscaper plumber electrician's, You know, do your due diligence and know the things that you need. So, but getting back to the original thing. You told what should be on an R P and so we could get on that. That's whether you're a homeowner or H away a commercial property. Um, a corporate park Your RPI should have. You should know You should have an agreement in writing of how many service calls or long cuts that you're going to get. On any protection a particular service. Details s O D telling. So when they do, they're d telling of the plants. That's would be head streaming hand stepping raised, raising the trees in the parking lots of seven or 8 ft. So cars and vans are not touching it. That should be detailed in the in the agreement. How many times a year they're going to do that for you? We'd removal so if they're doing the weeds and the cracks, and then the plant beds, which would be different than the turf that should be in there also, are they going to do a 12 times a year? They're gonna do it six times a year. Because if it's not in writing, it's hard to hold that company accountable. Absolutely what you're expecting from eight uh fertilizations, you know, it should be broken down. If they're gonna fertilize your palms twice. Ah, year three times a year. Are they gonna fertilizer grass twice a year, three times a year. The ornamentals, which is any of the flowering plants? Or shrubs. Uh, how many times they gonna fertilize that a year? Do they use different types of fertilizer for those things If you want that they can also put that into the art Be the request for proposal. If you want some specific fertilizer, perhaps, or you want something that's more. Our friendly. You can put all of this into the proposal. But all that into the proposal is really very important. Irrigation, Wet checks. How many times a year they going to do the irrigation, wet checks to make sure getting proper coverage on your property? Pest control visits? You know how many visits are they going to do on the pest control these air all important questions to know there's you know, there's many more mulch applications are gonna include that. In your monthly amount, and they do it twice year or do you want that separately.

R P
"r p" Discussed on MyTalk 107.1

MyTalk 107.1

08:04 min | 2 years ago

"r p" Discussed on MyTalk 107.1

"R. P. we wanna keep you up to date with all the things going on regarding coronavirus as well as the current situation of we've been going through these last couple of weeks here in the Twin Cities you can go to my talk one of seven one dot com hit the key word resource everything you need right there hi so I learned something while watching CBS Sunday morning yesterday well done you probably are so well aware of this well maybe not on I just learned about the Ghostlight do you guys know about the coastline I do not know okay so on mo Rocco was interviewing a gentleman or a few people actually from the theater because Broadway is dark right now due to corona virus right and so one producer started talking about the one thing that is it's still happening on Broadway the seeds may be empty the actors and crew no where to be seen but every stage on Broadway has a lamp like the one behind me burning continuously it's called a ghost light and it's a tradition that goes back to the late eighteen hundreds it is a light that stays on inside the theater even when the house is dark when a show is not going on or when a show is not running producer and author Jennifer Ashley Tepper says a Ghostlight serves a practical function when the show ends in the theater becomes dark you have a light on so that the people that are missing backstage the people that are keeping up maintenance can have a way to see it before the whole theater is live again as for the ghost part the more romantic history of ghost lights is of course that they're late so that the ghosts will either have company and be able to move around freely or to keep the go so S. there's a lot of legends about back in the theater is interesting I did this nor did I they're burning right now like every theater has this late on the stage like center stage right and part of the reason is so people don't fall into the orchestra pit there is it's not fun there's some other legends though about it so obviously there it stands on downstage center and it ensures like that nobody falls like I said but there are superstitious reasons like one superstition is that most theater ghosts are former actors themselves and the Ghostlight gives them enough late to perform on the stage and it's also considered bad luck not to allow the ghost to do this at least once a week hence theaters usually only open are open on what six days a week right Mondays are usually dark so they leave it dark for the goes to perform then there's the contradictory superstition that the light is there to keep the ghosts and evil spirits away from the stage where they could do harm to the actors when they return then but wait there's more usually there's an urban legend probably not true that a burglar once broke into a theater and injured himself badly by falling off the stage in the dark and then he sued the theater for injuries so they always keep a light on to lessen any liability wow right I don't know this either like I and I know don you've done some theater I wishing for on wishing actors like to break a leg mmhm yeah why do we say that not good luck again I know there's a reason I don't know it's because whenever like back in the vaudeville days they cram so many people on stage that the leg is the curtain on the side of the you know on the sides of the theater those are called legs and if you break past that then you got paid but they had some Brandon that sometimes you wouldn't even make it on stage the wiki never make a land like a paddler to say good luck good luck yeah yeah you're not supposed to whistle backstage because I guess it used to confuse the stage hands on you I guess you can't say I'm assuming this is Mick bath because it's cursed well so there's just like a whole lot there's a whole bunch of fun at cedar traditions that you may not have known about unless you were in the theater but that ghost light is the one superstition that's just also been a obviously a modern a necessity but it's just one single bowl but left to burn it's like on a stand and and it's I liken it to an IV because yeah I'm all like all you can just rolling from behind your lamp right that has wheels is it when if you're in ballet you don't say break a leg you say I'm gonna cost right now in French you say merde which service S. a little tiny ballerina's say it why because it's a French the French ballerinas right before they were going to perform they were so if there had to do with like nervous system like we're gonna do this and they'd say oh crap S. O. that's what they say to each other merde fun fact that's what I got I'm doing fine you did something really cool over the weekend I didn't realize this was over the weekend did you did you take a cooking class I did I've been really looking forward to this but he didn't think it was appropriate to talk about because of everything that's been going on but sure I'd been saving my money to take a class in England with the great British bake off stars the outlook for those so I did a zoom class with one of them then we'll zoom cooking class that that anybody can do I have another one coming up in a couple of weeks wait a minute what's the name of this person Camilla because I'm sure on the outside looking in with the great British baking show and all those things the name of this person her name is Karen right Karen right breaks his surname and let the whole the whole the whole program is called bake with the legends they do classes in England with all their well not all of them but certain bake off stars and so I cooked I'm not really a great cook or Baker my daughter is a chef in addition to this so so it was kind of scary but I made I made a Claire's with her and it was an hour and a half and you had to do everything in advance so I had to order things that I didn't have like a digital scale for food and they do all their measurements measure measurements measurements in the metric system convert like I had a skill I could let you borrow because it has both all it was only like twenty five Bucks nice but but basically had to convert all the stuff in advance and and have it already and I was pretty nervous but it was fun because I got to meet fifteen other people from around the world that we're also taking the class so is there a limit on how many people the sixteen okay so if that is the maximum and its people from all over the world yeah everybody speak English yes we had some in in the states we have like some people from should although some from LA I'm looking at the right thing here she is out on her Twitter she has a any clear I just want to make sure there was the thing that was in my head talk on top and then like pastry yes white cream in the middle yeah page on the bottom yeah that's it you should shoot pastry when you pipe out and it's it's it's kind of a neat pastry because it pops up in the hollow in the middle so then you cut it open like you were opening like a subsample with this we fill it with homemade cream and then chocolate ganache how many did you may I made six yeah and they don't really keep did.

R. P.
"r p" Discussed on KHVH 830AM

KHVH 830AM

01:46 min | 2 years ago

"r p" Discussed on KHVH 830AM

"Again we need to take a look at you know how could we do a larger study like that could we do I think there's it was less than a hundred people so when you have the user ID forty six but I mean at the same time statistically we can look at the numbers and you know you can do an analysis of those numbers even if it's a small study and you can determine Hey how is the does appear like this is a pretty well done study I actually really like their exclusion criteria so when we talk what what's exclusion criteria if you're doing a research study you have to exclude some people who you have to look at certain populations and groups and they fit the paradigm but there are several things that you can't have it done to be let into the study and one of the ones that don't we M. talk a lot about is the use of and sets and corticosteroid injections so again I get this question a lot in the clinic will can I just get a storage action and it's important technology they're catabolic right corticosteroids cat they break down tissue and yeah they're great at relieving pain enough lift when I hurt my neck or back like doc giving the shot it hurts I want to be out of pain period but it's important now to their catabolic the break down connective tissues of the givens of muscles tendons cartilage and the R. P. is anabolic essentially is what we're trying to do right is build up the tissue exactly right and I think when we take a few seconds or start with a few seconds will take a few moments for some words but I think we'll do is we'll come back we'll talk more about why it is that we still use court why the doctors use quarters on it all for you know it's kinda balik feels a good electric drive yeah I feel good.

R. P.
"r p" Discussed on KQED Radio

KQED Radio

02:52 min | 2 years ago

"r p" Discussed on KQED Radio

"R. P. and E. commerce solutions avalara tax compliance done right I'm good run catch your first the club of bigger countries the organization for economic cooperation and development in Paris analyze world economies amid pandemic in is describing the outlook as dire the prediction is for a deep recession but for how long here's the B. B. C.'s economics editor Andrew Walker in the hallways of the immense uncertainty about how the corona virus pandemic might unfold the OECD has assisted two alternative scenarios one in which the virus continues to receive and one in which a second wave of contagion it robs later in the year the report describes both the sobering in neither can economic activity returned to normal the deep recession will be followed by a slow recovery in the gloomy a scenario to decline this year would be very severe more than seven and a half percent and the recovery next year especially weak by the end of twenty twenty one the report says five or more years of income growth could be lost in many countries that's the B. B. C.'s enter Walker stocks are mixed to head of the federal reserve policymakers meeting today to assess the economy and new once their stimulus plans that briefings about three hours from now the nasdaq did hit an all time high this morning is it ten thousand a moment ago it's about three tenths percent now the Dow is the other way down two hundred ninety points about one point one percent the S. and P. is down four tenths percent the sporting apparel company adidas based in Germany says it will hire more black employees as part of a new diversity push amid the job social justice movements market places never saw photos on the story today what is adidas pledging to do well it's promising to hire black and Latino people to fill at least thirty percent of new positions in the US both at adidas and Reebok which adidas also owns it says it will invest twenty million dollars over the next four years in black communities in the U. S. and will finance fifty college scholarships for black students every year for the next five years now we've seen other companies make similar moves in recent days what has prompted adidas to act other than what we're seeing in the news here well it was pressure from its own employees who say the company basically markets to the black community but doesn't do enough internally when it comes to equity adidas put out a statement in support of black lives matter protest we've seen other companies do the same and that reportedly prompted some black employees to speak out that's what the company is responding to now and speaking of other companies David we know Nike has said it will spend forty million dollars over the next four years in support of African American communities under armour has made a pledge to improve racial diversity in its management ranks and Estee Lauder says it will hire more black employees to among other initiatives Mr suffer thank you.

R. P.
"r p" Discussed on WNYC 93.9 FM

WNYC 93.9 FM

02:52 min | 2 years ago

"r p" Discussed on WNYC 93.9 FM

"R. P. and E. commerce solutions avalara tax compliance done right I'm David Brancaccio the first the club of bigger countries the organization for economic cooperation and development in Paris analyzed world economies amid pandemic and is describing the outlook as dire the prediction is for a deep recession but for how long here's the B. B. C.'s economics editor Andrew Walker in the hallways of the immense uncertainty about how the corona virus pandemic might unfold the OECD has assisted two alternative scenarios one in which the virus continues to recede and one in which a second wave of contagion erupts later in the year the report describes both the sobering in Noida can economic activity returned to normal the deep recession will be followed by a slow recovery in the gloomy a scenario to decline this year would be very severe more than seven and a half percent and the recovery next year especially weak by the end of twenty twenty one the report says five or more years of income growth could be lost in many countries all right that's the BBC's Andrew Walker stock index futures at the moment up with federal reserve policy makers meeting today to assess the economy and new wants their stimulus plans the S. and P. futures up three tenths percent the Dow future up to ten percent and the nasdaq futures pointing to that index hitting to another all time high at the open interest rates near zero make stocks look especially attractive to investors the sporting apparel company adidas based in Germany says it will hire more black employees as part of a new diversity push amid the social justice movement market place's novus offers on the story today what is adidas pledging to do well it's promising to hire black and Latino people to fill at least thirty percent of new positions in the US both at adidas and Reebok which adidas also owns it says it will invest twenty million dollars over the next four years in black communities in the U. S. and will finance fifty college scholarships for black students every year for the next five years now we've seen other companies make similar moves in recent days what has prompted adidas to act other than what we're seeing in the news here well it was pressure from its own employees who say the company basically markets to the black community but doesn't do enough internally when it comes to equity adidas put out a statement in support of black lives matter protest we've seen other companies do the same and that reportedly prompted some black employees to speak out that's what the company is responding to now and speaking of other companies David we know Nike has said it will spend forty million dollars over the next four years in support of African American communities under armour has made a pledge to improve racial diversity in its management ranks and Estee Lauder says it will hire more black employees to among other initiatives marketplace.

R. P.
"r p" Discussed on WLS-AM 890

WLS-AM 890

05:13 min | 2 years ago

"r p" Discussed on WLS-AM 890

"R. P. says we're going to face a severe shortage of accessible and affordable housing and it's all going to lead to a multi generational housing environment the heart was in nineteen fifty twenty percent of the population lived in a multi generational households we have a low in nineteen eighty it looks like we're going to go back to the way it was in the fifties why do I mention this you need to adjust your financial planning for this are you anticipating that your mom or dad or your in laws may move in with you is your house designed to have another couple in it with you do you have the preparations financially for all of us independent living may give way to multi generational housing so is this good news or bad news all I think it depends on the family circumstances doesn't it but the point is clear you need to engage in the planning now if I've been sharing with you what you consider to be not so exciting so far let me give you a couple of pieces of good news one of the biggest areas of decline as a result a coveted emissions unprecedented is the way they call the reduction in the fossil fuel usage caused an eight percent decline in global greenhouse gas emissions the largest drop ever recorded G. use worldwide is up to twenty five percent lower than it was in twenty nineteen we are finding that our global emissions are now at twenty ten levels we've on the wound a decade worth of emissions the question is when we all get back to our normal pre covert lifestyles on the emissions going to skyrocket to where they were or are we going to take this opportunity to convert to clean energy change our behaviors so that we can keep the planet in the condition that it's in also it's remarkable and heartwarming to see so many people doing so much to provide benefit and value in service for the community here's one silly little story just to illustrate a company called prefix Corp it's an engineering company they've been in business for forty years there in the automotive industry they've retooled their factory away from the car business to making face shields and masks they've already delivered fifty thousand of them to hospital workers are also making foot poles what's a football let you open the door without using your hands how cool is that so everybody everywhere is getting very imaginative and that imagination that innovation is what's going to get us through this well I want to share with you a couple of very important aspects that you need to consider for your investment strategy you know the big question that everybody is asking is what's going to happen to the stock market for the rest of this year nobody really knows so why don't we turn to somebody who does who better then to turn to Warren Buffett widely regarded as the most successful investor of all time the oracle of Omaha's he's affectionately known he just had his annual meeting he did it virtually this year and what did he say about the stock market well both the New York Times and the Wall Street journal covered his presentation as you would expect and the Wall Street journal said that Warren Buffett offered reassurance at his annual meeting they reported that Warren Buffett said the economy will recover steadily from the pandemic quote we've faced tougher problems on the American miracle the American magic has always prevailed that's the coverage of Warren Buffett's speech according to the Wall Street journal but the new York times had a very different perspective on that very same speech The New York Times says that Warren Buffett's words betrayed a deep sense of concern about the immediate future and it should be a warning to all investors and policymakers back in the crisis of a Warren Buffett said I've been buying stocks this time he didn't buy any stocks when stocks fell last month he said quote we have not done anything because we don't see anything that attractive to do our position will be to stay a Fort Knox Warren Buffett said he's got a hundred and thirty seven billion dollars in cash and by the way he sold his entire stake in the nation's four major airlines he said quote I don't know whether two or three years from now that is many people flies many passenger miles as they did last year they may they may not but the future is much less clear to me he said he was personally looking forward to flying together he said quote I may not fly commercial well done so Warren Buffett said the energy real estate retail industries are all facing problems that could reverberate throughout the economy and into the banking system this was the same speech covered by two different publications with two different conclusions if they can't agree on what Warren Buffett said the message for you and me is clear we need to stand atop away from the fray and focus instead post code you need to maintain your highly diversified portfolio remain in it for the long term because.

R. P.
"r p" Discussed on WBZ NewsRadio 1030

WBZ NewsRadio 1030

01:44 min | 2 years ago

"r p" Discussed on WBZ NewsRadio 1030

"R. P. says we're going to face a severe shortage of accessible and affordable housing and it's all going to lead to a multi generational housing environment the high was in nineteen fifty twenty percent of the population lived in a multi generational households we have a low in nineteen eighty it looks like we're going to go back to the way it was in the fifties why do I mention this you need to adjust your financial planning for this are you anticipating that your mom or dad or your in laws may move in with you is your house designed to have another couple in it with you do you have the preparations financially for all of us independent living may give way to multi generational housing so is this good news or bad news all I think it depends on the family circumstances doesn't it but the point is clear you need to engage in the planning now if I've been sharing with you what you consider to be not so exciting so far let me give you a couple of pieces of good news one of the biggest areas of decline as a result of cove it emissions unprecedented is the way they call the reduction in the fossil fuel use it's caused an eight percent decline in global greenhouse gas emissions the largest drop ever recorded G. use worldwide is up to twenty five percent lower than it was in twenty nineteen we are finding that our global emissions are now at twenty ten levels we've unwound a decade worth of emissions the question is when we all get back to our normal pre covert lifestyles the emissions gonna skyrocket to where they were or were.

R. P.
"r p" Discussed on 600 WREC

600 WREC

05:20 min | 2 years ago

"r p" Discussed on 600 WREC

"R. P. says we're going to face a severe shortage of accessible and affordable housing and it's all going to lead to a multi generational housing environment the high was in nineteen fifty twenty percent of the population lived in a multi generational households we have a low in nineteen eighty it looks like we're going to go back to the way it was in the fifties why do I mention this you need to adjust your financial planning for this are you anticipating that your mom or dad or your in laws may move in with you is your house designed to have another couple in it with you do you have the preparations financially for all of this independent living may give way to a multi generational housing so is this good news or bad news all I think it depends on the family circumstances doesn't it but the point is clear you need to engage in the planning now if I've been sharing with you what you consider to be not so exciting so far let me give you a couple of pieces of good news one of the biggest areas of decline as a result of cove it emissions unprecedented is the way they call the reduction in the fossil fuel use it's caused an eight percent decline in global greenhouse gas emissions the largest drop ever recorded under G. use worldwide is up to twenty five percent lower than it was in twenty nineteen we are finding that our global emissions are now at twenty ten levels we've unwound a decade worth of emissions the question is when we all get back to our normal pre covert lifestyles of the emissions going to skyrocket to where they were or are we going to take this opportunity to convert to clean energy change our behaviors so that we can keep the planet in the condition that it's in also it's remarkable and heartwarming to see so many people doing so much to provide benefit and value in service for the community here's one silly little story just to illustrate a company called prefix Corp an engineering company they've been in business for forty years there in the automotive industry they've retooled their factory away from the car business to making face shields and masks they've already delivered fifty thousand of them to hospital workers they're also making foot poles what's a football let you open the door without using your hands how cool is that so everybody everywhere is getting very imaginative and that imagination that innovation is what's going to get us through this well I want to share with you a couple of very important aspects that you need to consider for your investment strategy you know the big question that everybody's asking is what's going to happen to the stock market for the rest of this year nobody really knows so why don't we turn to somebody who does who better then to turn to Warren Buffett widely regarded as the most successful investor of all time the oracle of Omaha's he's affectionately known he just had his annual meeting you did it virtually this year and what did he say about the stock market well both The New York Times and the Wall Street journal covered his presentation as you would expect and the Wall Street journal said that Warren Buffett offered reassurance at his annual meeting they reported that Warren Buffett said the economy will recover steadily from the pandemic quote we've faced tougher problems and the American miracle the American magic has always prevailed that's the coverage of Warren Buffett's speech according to the Wall Street journal but the new York times had a very different perspective on that very same speech The New York Times says that Warren Buffett's words betrayed a deep sense of concern about the immediate future and it should be a warning to all investors and policymakers back in the crisis of away Warren Buffett said I've been buying stocks this time he didn't buy any stocks when stocks fell last month he said quote we have not done anything because we don't see anything that attractive to do our position will be to stay a Fort Knox Warren Buffett said he's got a hundred and thirty seven billion dollars in cash and by the way he sold his entire stake in the nation's four major airlines he said quote I don't know whether two or three years from now that is many people will fly as many passenger miles as they did last year they may they may not but the future is much less clear to me he said he was personally looking forward to flying together he said quote I may not fly commercial well done so Warren Buffett said the energy real estate retail industries are all facing problems that could reverberate throughout the economy and into the banking system this was the same speech covered by two different publications with two different conclusions if they can't agree on what Warren Buffett said the message for you and me is clear we need to stand atop away from the fray and focus instead post code you need to maintain your highly diversified portfolio remain in it for the long term because even there Warren Buffett will agree with you that the American miracle the American magic has.

R. P.
"r p" Discussed on 106.1 FM WTKK

106.1 FM WTKK

05:15 min | 2 years ago

"r p" Discussed on 106.1 FM WTKK

"R. P. says we're going to face a severe shortage of accessible and affordable housing and it's all going to lead to a multi generational housing environment the heart was in nineteen fifty twenty percent of the population lived in a multi generational households we have a low in nineteen eighty it looks like we're going to go back to the way it was in the fifties why do I mention this you need to adjust your financial planning for this are you anticipating that your mom or dad or your in laws may move in with you is your house designed to have another couple in it with you do you have the preparations financially for all of this independent living may give way to a multi generational housing so is this good news or bad news all I think it depends on the family circumstances doesn't it but the point is clear you need to engage in the planning now if I've been sharing with you what you consider to be not so exciting so far let me give you a couple of pieces of good news one of the biggest areas of decline as a result of covert emissions unprecedented is the way they call the reduction in the fossil fuel use it's caused an eight percent decline in global greenhouse gas emissions the largest drop ever recorded under G. use worldwide is up to twenty five percent lower than it was in twenty nineteen we are finding that our global emissions are now at twenty ten levels we've unwound a decade worth of emissions the question is when we all get back to our normal pre covert lifestyles all the emissions going to skyrocket to where they were or are we going to take this opportunity to convert to clean energy change our behaviors so that we can keep the planet in the condition that it's in also it's remarkable and heartwarming to see so many people doing so much to provide benefit and value in service for the community here's one silly little story just to illustrate a company called prefix Corp it's an engineering company they've been in business for forty years there in the automotive industry they've retooled their factory away from the car business to making face shields and masks they've already delivered fifty thousand of them to hospital workers they're also making foot poles what's a football let you open the door without using your hands how cool is that so everybody everywhere is getting very imaginative and that imagination that innovation is what's going to get us through this well I want to share with you a couple of very important aspects that you need to consider for your investment strategy you know the big question that everybody's asking is what's going to happen to the stock market for the rest of this year nobody really knows so why don't we turn to somebody who does who better then to turn to Warren Buffett widely regarded as the most successful investor of all time the oracle of Omaha's he's affectionately known he just had his annual meeting you did it virtually this year and what did he say about the stock market well both the New York Times and the Wall Street journal covered his presentation as you would expect and the Wall Street journal said that Warren Buffett offered reassurance at his annual meeting they reported that Warren Buffett said the economy will recover steadily from the pandemic quote we've faced tougher problems and the American miracle the American magic has always prevailed that's the coverage of Warren Buffett's speech according to the Wall Street journal but the new York times had a very different perspective on that very same speech The New York Times says that Warren Buffett's words betrayed a deep sense of concern about the immediate future and it should be a warning to all investors and policymakers back in the crisis of away Warren Buffett said I've been buying stocks this time he didn't buy any stocks when stocks fell last month he said quote we have not done anything because we don't see anything that attractive to do our position will be to stay a Fort Knox Warren Buffett said he's got a hundred and thirty seven billion dollars in cash and by the way he sold his entire stake in the nation's four major airlines he said quote I don't know whether two or three years from now that is many people flies many passenger miles as they did last year they may they may not but the future is much less clear to me he said he was personally looking forward to flying together he said quote I may not fly commercial well done so Warren Buffett said the energy real estate retail industries are all facing problems that could reverberate throughout the economy and into the banking system this was the same speech covered by two different publications with two different conclusions if they can't agree on what Warren Buffett said the message for you and me is clear we need to stand atop away from the fray and focus instead post code you need to maintain your highly diversified portfolio remained in it for the long term because even there Warren Buffett will agree with you.

R. P.
"r p" Discussed on NewsRadio KFBK

NewsRadio KFBK

04:02 min | 2 years ago

"r p" Discussed on NewsRadio KFBK

"Without masks without regular testing for R. P. symptomatic staff we won't feel comfortable opening it's very similar to just letting the sounds and and the desert with no water yeah so that's Alan owner of the Atlanta barbershop he says he would not be a barber shop what is open and like I said I had two people so the question is if they open will they come if they open will people come out but I think that I think governor camps getting a raw deal he has the blessing of the Georgia department of public health director Dr Kathleen Toomey she signed off on the plan they're going very very very slow I mean it's it's a there's all kinds of restrictions on what they can and cannot do and then the other so I'm curious even if they follow all these restrictions and they are everybody wears masterwork of these companies and they take temperatures of everybody coming in and they do what they have you know the lead the your L. and all that stuff around I'm and I'm curious to see a if people will come out and B. I mean they may not today because it's the first day but next week when they start hearing about other people when everything was fine will there be a gradual increase in customers and that's what I'm looking for and if the numbers stay the same or go lower then watch more and more people have confidence if the numbers go up then obviously you are going to say I'm not going out but it really comes down to you not the state not the governor not the president it really comes down to what you feel comfortable doing so this was this was the president cut for one was this today's Friday this was this yesterday yesterday yeah listless I want them to open that I wanted to open as soon as possible and I want the state to open but I wasn't happy with Brian camp I will tell you that right now and I want the people in Georgia to be safe and I don't want this thing to flare up because you decided to do something that is not in the guidelines yeah so that's the weird part is that there are guidelines and if people follow the guidelines and then they're saying that to everybody signed off on that but the states are going to we can open up some of these businesses and I'll tell you this one barber shops as I'm not opening the other one says I have to open I need some money so Doug Collins Republican congressman from Georgia he is running for Senate he was upset because governor camp was supposed had to appoint a new senator for Georgia and Doug Collins said Hey why don't you pick me I want to be a senator and Brian camp told him no and instead picked woman who is politically connected so Doug Collins knows was bent out of shape because Brian camp did not give Doug Collins a Senate seat so he was Doug Collins was asked today about Hey do you agree with governor camps opening up of the state of Georgia that is the perspective I think the president said it very well we all want to see the state of the state not just towards the country open back up there's ways to do that the concern that there was had here and.

R. P.
"r p" Discussed on 77WABC Radio

77WABC Radio

04:22 min | 2 years ago

"r p" Discussed on 77WABC Radio

"R. P. I have leftover poached chicken holidays coming up you know Passover and Easter so many people are making soup and you're trying to improvise this is to ask you a question what time of year yes I know I'm about to get ready for the seder and time trying to figure it out but I have always had locked up right away tell me how did your family do the seder it's a virtual state of this year you know we're not we're gonna none of us like we're not we're probably the only people in America who don't like zero we're just not into the virtual enter now it makes me so it makes me sadder than it makes me happy so we're just three of us and them so my husband my daughter myself we'll do it ourselves we know that you know my sister and her family will be doing it you know the sad thing is that my mom is gonna be all alone so we'll have to make it up to her after this is all over but you will talk to her on the phone without question is if you know the extraordinary jaguar he'll be home before I let you go out of your beautiful new book which is soon is this nightmarish celebrate you can order online of course to get her in French if you were hoping for your daughter and made one thing from the book what what her favorite three you know one of her favorite things is and this is a good Passover recipe Q. homemade marzipan it's so easy you just need almonds and sugar and egg white and it's the easiest thing in the world and it's kosher for Passover if you especially have to get past ever confectioners sugar but on yeah it's really easy if you can get the best thing about the homemade marzipan is you know over the door of a little shade kind you see marzipan shaped like little animals or fruit you can do that which is a good project for little kids and even my bigger can't my eleven year old loves that so make a homemade marzipan super easy it you know if you don't have my book there are a lot of recipes online to do it it's a good project Passover family and if we treat and you don't even cook it you just put it together in a food processor which is great and the book has every kind recipe you can imagine right seven one double check and then everything please I'm not back complicated now think again simple French home cooking with a with a twist you know I'm very practical all of my recipes are made to be streamlined and is using its few dishes trying to make you know keep the clean up easy I've got recipes like it's in its we can get to the markets again racket you each chicken down on a sheet pan you know it's a sheep chicken and all those delicious vegetable easy clean up I have got a ham and cheese bread like a picnic bread in there you know and I've got all kinds of wonderful I've got an omelet with PCD garlic sauce instead of cheese it makes it rich but you don't have the keys to that so lots of fun recipes well it sounds great and by the way I know the markets that delivery has flown back Trotter have you tried that one yet which one microelectronics yeah pretty good okay thank you for that Sir John and now there's a couple and Dan barber from blue hill restaurant is going full boxes now that that are really gorgeous and fun and a great gift to send to someone and your height your weight I just up to my spaces from burlap and barrel which is a great spice company ordered a bunch of spices again the aim of keeping things exciting and I got that you know buy spices by from the companies that you can send it to you Mauritian algo cheese in California sent me a package so you know they're there you have to go to the places that aren't so obvious you know fresh direct you maybe can't do your Amazon but you could gather all our companies out there that are looking to you are looking to supply us we just have to find them thank you will list all the best to you and your family you too John the well talk very soon I'm John Hamburg and you're listening to W. A. B. C. celebrating Melissa Clark's brand new book the way BC New York.

R. P.
"r p" Discussed on KTAR 92.3FM

KTAR 92.3FM

04:49 min | 2 years ago

"r p" Discussed on KTAR 92.3FM

"You go to our website it's R. P. O. A. dot com and that you can meet with an adviser will visit with you at no charge or obligation we'll talk about what what we think you should do now will help you to walk through all the the the logical things you should be thinking about and help you to make some decisions if you if if it helps you that's great and if it doesn't that's fine too it is no charge or obligation for that and we'll part friends regard I don't know how to say I think except they think well Frankie you're welcome and that's a you are website is R. P. O. A. dot com now our philosophy of selling is counter as I said to the traditional buy and hold the Los iffy and does so I've written a book which I encourage you to buy all proceeds go to charity from that it's called buy hold and sell and wanted the the the number one myth in my opinion that that you hear is the market always comes back and therefore don't worry about it just play through well it's true so far there's no guarantee that this will happen every time but so far during the Great Depression the stock market the Dow Jones went down ninety two percent and yes it did come back but it took twenty five years to come back and get back to even tell nineteen fifty four from nineteen twenty nine twenty five years now more recently Y. two K. that stock market crash it took seven years it it it crashed in in Y. two K. was two thousand seven when I got back to even and then it crashed in two thousand eight after that and then it took five years to get back it was two thousand thirteen before the mark the S. and P. stock market got back to where it was before that crash so my question to you is can be can you afford to wait twenty five years to get back to even can you afford to wait seven years can you afford even wait five years and and getting back to even also implies that you're not spending any of that money while you're waiting for it to get back to even okay because it the two thousand eight crash if you had your money in stocks and if indeed those stocks the S. and you had it in the S. and P. five hundred index which by the way you can invest directly in an index you have to buy a fund that does that or need to have but let's assume you did that and you lost fifty seven percent in a way like it did and it took five years to get back if you're spending that money while you're living on it it's not to take five years to get back think about it if you're draining the tub as it's being filled it's not going to fill up as fast okay in fact farmers call that eating your seed corn and if you eat enough of your seed corn then when gross season calms guess what you don't have anything left the plant and so that's the danger that we see of the buy hold philosophy which is that when the market is is that when your investments are falling and you're drawing from them at the same time you make it very very your your your double landing it on the way down but then you're you're you've put a ball and chain on it at his trial as is trying to come back and we can actually model out where it's very easy to run out of money in that scenario so we don't want that for anybody and that's why our philosophy is that you don't just buy and hold and and hope it's going to come back okay that is a hope and prayer is is is a wonderful thing or not against it but when it comes to your investments that's something that we think that that we shouldn't do okay we need to be more down to earth about it and and and really it and in the real the dollar crunching guided world when we do that now again our philosophy may be right for you it may not be right for you and our strategy of getting out of the market is not always correct you know no no strategies a hundred percent correct it did help to get our clients to stay out of the equities for almost a year and a half to two thousand eight and currently we are out of equities and it has helped us so far but it also said to get out in two thousand eighteen and that was a short lived wanted came back and turned out the that it was not what we thought it would be you know what we're okay with that better stay eight and sorry is our mantra so go to our website it's R. P. O. A. dot com and click on meet with an adviser if you do that will sit down with you and walk through what we think you should do will help you to build a plan and we'll do it at no charge or obligation we can do it virtually so you can do it over your computer from your from the safety of your home okay and we're home to soak in the safety of our own home as well so take advantage of that we did we want to help as many people as we can okay now also on our website what we've got going on there is some webinars that I think would be of interest to you if you are doing your retirement planning and we also talk about in that in that weapon are about our investment protect strategy we go into the the the logic behind it why we think it's a good idea you can also listen to the podcast of this show if you if you haven't subscribed to it on iTunes you can go to a website and listen to it there also.

R. P. O.
"r p" Discussed on 790 KABC

790 KABC

01:46 min | 2 years ago

"r p" Discussed on 790 KABC

"Meet with an adviser and what that'll enable you to do is to talk to one of our retirement planners okay and they'll sit down with you and I'll talk with you and our goal is to talk with you about it help you to build up land on what to do right now and if if we can help you fantastic and if not that's fine too okay so there's no charge or obligation for that and we're also doing everything virtual now so we don't have any live face to face were set up thankfully to be able to do everything via essentially it's a version of facing a facetiming or skyping and it's summer that where we can show you our screen you can show us your screen and we can talk and see each other if and you can turn your camera so we try to see if you don't want us to so anyway our website is R. P. O. A. dot com and I'd like to talk to one of our people and and see what what you need to do that and you know please do but I also subscribe to my market over email which is online as well if you go to our website R. P. L. A. dot com and just like the consultation does meeting with our retirement planners that's at no charge to you and so is the the martial arts email that we sent out there's no no charge to you for subscribing to that I'd like to be able to get that information out to you so our website again is R. P. O. A. dot com retirement planners of America dot com all right we're gonna take a break we come back and talk about what you should do now and what you should be thinking about so stay tuned this is money matters and I am can more rife retirement should be here's the thing about new cherry vanilla coke though cherries named first all the flavors tastes just as great I mean it could have just as easily been vanilla cherry coke or it could have been coke cherry vanilla and says it's too amazing flavors of coke it might have been cold vanilla cherry coke or cherry vanilla coke coke unless you're in France which would make it a cocktail of an island and a Chevy Democrat.

France R. P. O. R. P. L.
"r p" Discussed on KLBJ 590AM

KLBJ 590AM

06:19 min | 2 years ago

"r p" Discussed on KLBJ 590AM

"Com and that when you're there we have all kinds of resources that I hope will help you we have stuff on now when to take social security on how to diversify your four oh one K. in your income tax the reduction strategies and all kinds of stuff so R. P. O. A. dot com is our website and you know last week I was interviewed on Yahoo finance and I call it a TV show but it's only on the internet so I don't know what to call those that is added as streaming TV okay streaming TV self and you know they were asking me about what to do with regard to the corona virus in the market's going down and all that kind of stuff and you know basically I said what I'm gonna tell you in two more segments okay we talk about our our our bye hold minutes so I'll keep you in suspense but I also said that you know given history for you if you look back at sars and the Asian flu and the swine flu that happened in the early two thousands you know you look at what they did and you look at the average down the market had verses where it is today I said you know the likelihood is that we might see the market go down another ten percent and so the the lady that was interviewing me you know there were two of them and and the lady said well can you know you work with people retired or retiring soon and so if you're telling them that there's a possibility the market could go down another ten percent are they freaking out and my answer was well you know we have things that we do to try to mitigate that freak out in this okay we'd all like freaked out clients exactly that's not when you talk to that is not what you want to hear when you say something to them and also they're screaming at you that's that's not the response you're looking for right so we have we have what we call our core values and a core value number four is that if a client calls us first we lost and what I mean by that is that if if a client calls us about something that we should have told them about already then we lost and this is because when I was young in the business or and you know and I hadn't actually started this this firm yet and I was meeting with people and all that you know and I work for another company they they were telling me people are saying you know the only time I hear from my financial adviser is when I call them you know or when they're trying to sell me something or or never and I thought you know what that is never going to happen in our firm we're gonna do everything we can to make sure that we are ahead of that and so we have a goal for a quick two goals one is financial peace of mind peace of mind is a big deal we want our clients to have that and the second is we want your money to last as long as you do so the peace of mind one is where you're not freaking out so how do we do that well in my view it's all about communication it's all about if if our clients know what our plan is if they know what we're doing and they have confidence that we have it under control then they will have peace of mind so how do you deliver that well of course we have our retirement planners or advisors that meet with our clients and they talk to them and they reach out to them and we want them to be in in communication with our clients and hold their hand through everything okay and that's part of what you do it's a there's a there's a component of what we do that is a psychologist or therapist you know I got a counselor you know in some in some instances even a financial parents you know there's a lot of components to to doing what we do to have our clients have peace of mind one of the things that we also do is we communicate with our clients minimum on a weekly basis okay and what we do there is we have a what we call our market alert and that is a weekly communication now that one goes out in theory if you have a weekly communication fifty two times a year right and it we actually end up sending out many more than fifty two per year why because stuff happens and it doesn't always happen on Friday when we produce that that weekly video right it can happen on a Monday as it did last week and so we actually last week sent out to communications to our clients two videos two separate ones telling them what we think why we think what we're gonna do about it where we are and the reason behind all of that is we want to preempt the questions we don't want to if a client calls us and says what are you gonna do about acts we lost and for those of you who know me I've been a competitive tennis player for fifty years now call my gosh you two years I thought only my dad is going to be that old but anyway I've been competing on the tennis court for many years and I'm very competitive I do not like to lose and if a client calls me and says can I'm freaking out I just lost so I want to be in front of that and I want to tell you what we're gonna do I want to inform you keep you abreast of what's going on and if I do that for you then you won't call me because you know I've got it under control and if that happens you have peace of mind and that's what I want for you okay now in addition we also have Klein appreciation dinners we have client education events that we have to teach our clients about all stuff that we do for them but that we want them to know about you know like cyber security and income tax planning and estate planning and social security plan we do all those things as education events for clients in again even though we do most of that for them them knowing how and what we're doing helps in that educational process and give them peace of mind that's why or I think it should and that's why we do it so all of that is a disguised commercial for why you should be applied if you're not in case you didn't get that so if you go to our website our P. O. A. dot com a lot of stuff I just talked about is on our website you can watch our we have all of our videos we put out over the last three months you can see them there we post them and you can watch them and see if that would have given you peace of mind when you were freaking out if you were and would you like to be a client in that regard and our website is R. P. O. A. dot com a retirement planners of America dot com now one of the things that also while you're there you can do is you can click on meet with an adviser in in which case we'll schedule a time to sit down with you review your entire financial life with you at no charge you'll visit with one of our retirement planners and they'll help you to build your.

R. P
"r p" Discussed on KLBJ 590AM

KLBJ 590AM

05:11 min | 2 years ago

"r p" Discussed on KLBJ 590AM

"Website is R. P. O. a dot com and one of the things that we are so very thankful for is that Forbes named our financial advisory firm one of the top one hundred wealth managers and you know we're obviously flattered by that but we also know that without our clients we would be no where so we currently work with over eight thousand five hundred families in forty three states and that we are so honored and privileged to do that and we're so thankful and if you're not a client so we'd love to see if there's a fit and if we can help you as well so it's our website is R. P. O. a dot com now this is a part of the show we talk about how to pass on to your greedy unwashed undeserving airs the fruits of your labor okay this is estate planning and a so this week we're gonna talk about when should you review or update your state plan and lots of triggering events that that could that could cause that someone to go over those with you because that's one of the number one mistake that I see with people when we visit to with the prospect of client is that their state plan is not up to where it should be so but before we do that Jack can you play it and no one thanks to the you would all and of course that is Tony Bennett with rags to riches and you know it state taxes and probate all that kind of stuff it's actually designed to do the exact opposite it's designed to take you from riches to rags we do not want that to happen to you so every week at this time we have our state tip of the week now this week we're gonna talk about when should you review or update your estate plan okay so let's go over with you some of the reasons so one of the things that certainly should cause you to want to review your state plan is any changes in the laws so for example the end of last year the secure after its past so in my view anybody who has a trust that is the beneficiary of their IRA should go and review that because our potential tax implications that could we call it the tax time bomb in fact that the secure act is created for those of you who have rated trusted are the beneficiaries of your IRA so that's one reason right there now the other reason and there's a lot of them the birth or adoption of a new child or a new grandchild okay so blessed event when a child or grandchild becomes an adult okay so yeah they were little babies and Nelson they're they're in adults so lost lots of different considerations there also educational funding you know one of the things that many people want to do is to help their children or their grandchildren get an education so if you want to do that that's part of the state planning you know what if you're not around you want to create something for them the other thing is unfortunately death or changes in circumstances of the people that you have named to run the estate plan for you so if your executor or the guardian of your children or your trusty has died or has gotten sick or doesn't want to do it you got to make changes there also if you have changes in the number of dependents that you have you know once again it's like a child becomes an adult in there now no longer dependent now course you may have an adult that is independent but that's a different story but once they become an adult if there are no longer dependent then that's also an opportunity for you to look at your state plan the other thing is the changes in your financial situation okay you you've won the lottery for example or you lost a lot of money somewhere or whatever it may be marriages and divorces the illnesses or disabilities of your spouse certainly something to look at and think about changes in your life for long term care insurance coverage okay so United that's also part of your state planning if you buy a house or a large asset okay now you got to think about how are you gonna pass that on to the aforementioned greedy unwatched you know a lot for a lot of people are home is our biggest assets so you will look at that if you are borrowing a large amount of money are you taking on a large liability that's a reason to look re look at your state plan you what you may want to build some liability protection into your estate plan so that the bill of lawsuits or whatever in the future do not to end up hurting your your your heirs now also if you have large increases or decreases the value of your assets if you receive a large inheritance as I mentioned earlier law changes if somebody becomes ill so career changes jobs all those kind of things just think any change in your life is an opportunity for you to consider whether you should review your state plan again and and make sure it's up to snuff now that's something that our retirement planners do with our clients we as part of our process we look at your estate planning and we want to be sure that it is the way you want it to be and if it isn't then we put you together with someone that can help you to do your estate plan properly and get it to where you want to be so that's part and parcel of the service we provide to our beloved and most valued clients now if.

R. P. O. Forbes
"r p" Discussed on KOMO

KOMO

02:58 min | 2 years ago

"r p" Discussed on KOMO

"R. P. fraud watch network she says there's a good reason crooks like getting their money this way well they like the convenience of it and they also know that it's on a retractable and untraceable and it also has an air of legitimacy because oftentimes you'll see banks advertising these Peter P. apps on their websites let's talk about that a lot of people think they have fraud protection with the PDP transaction because they may see it advertised by the bank what's the reality here so these are not to manage by your bank even though your bank is advertising it to you as a customer for the ease and convenience of it these are managed by third party companies so they will not have the same consumer protections as using your credit card debit card or really even basically writing a check so if you get taken by a scammer someone says I want to sell you a puppy send me the money by is our van now or you're buying sporting tickets or airline tickets or whatever and you realize you got conned the money's gone that's it right the money's gone and that's actually a red flag if you're looking to do business with someone that you have never met and you do not know and they're asking you to use one of these Peter P. apps that's a red flag and do not do it even on the website of these Peter P. apps it'll state in clear wording do not send any money to people you do not know only sent to friends and family so bottom line these things are not a way to buy stuff their way to transfer money to somebody you know and trust absolutely let's say you had a group dinner and you people some money and you know who they are send it to them do not send it to someone you do not know I spoke to the American bankers association about this and they want people to treat these peer to peer transactions the same way they do cash if you wouldn't give somebody a hundred dollar bill you shouldn't be transferring a hundred Bucks to them by the seller bend MO or any of these other apps what do you think about that I think that's a fantastic and I love the visual component of it right if someone walked up to on the street and said Hey I have some great concert tickets just give me a hundred dollars you're not going to do it so why is it that we give these scammers kind of the air legitimacy when we're doing these transactions online one other thing people need to realize if you make a mistake if you put in the wrong phone number or the wrong email address whatever you could be giving your money to someone who will not return it so you got to be really careful that's right even if you are sending money to someone you know and you type in the wrong information it could go to a random person or out in thin air in its on retractable that's enough secure with the a a RP fraud watch network so if you shop online sooner or later you will probably encounter cited selling counterfeit goods it's a massive problem according to a report from the better business bureau earlier this year sales of counterfeit goods have exploded worldwide almost anything that can be shipped can be counterfeited and sold online including everyday products such as printer ink headphones phone Chargers athletic shoes cosmetics even car parts Steve Baker who wrote this report for.

R. P. fraud
"r p" Discussed on KLBJ 590AM

KLBJ 590AM

01:37 min | 2 years ago

"r p" Discussed on KLBJ 590AM

"You are in the risk business the only way that you can get a higher return than burying it in the backyard in a box is if you actually are taking risk when you get interest rate if some is gonna pay you an interest you have to put the money at rest is no way to get a return or interest without some risk associated with that so you you're always if you're investing in the wrist business and so it when you retire risk is your worst enemy you know in in our view when you're younger wrist maybe your friend you know you got a long time you can be more aggressive the guy thinks it you can overcome it you're working you have your wages all those good things are happening then that's wonderful but once you retire now if you're living on your money and social security now wrists becomes your enemy in our view. I believe there's no doubt and therefore having an investment strategy a portfolio strategy a game plan that addresses all those things we believe is very important so if you like what you can do is you can go to our website it's R. P. O. a dot com retirement planners of America dot com and while you're there we have the videos we have podcast we have articles all kinds of information on a variety of topics that have to do with their time in planning such as when should you take your social security best benefits reduce your income taxes required minimum distributions when your seventy and a half we have the estate planning ideas on how to leave your money to your greedy unwashed undeserving airs. we also we you know we talk about with the best ways to fight inflation we talk about our but by hold and protect strategy our strategy to get out of the of the.

R. P. O.