35 Burst results for "Rocky Mountains"
How Can Parents Reverse the Trends of Digital Hermits in Their Kids?
"Let me talk to all the other parents that are listening to this. This is a mom self described that says she's heartbroken that gave her daughter a phone far too young. Parents out there do not give your children phones. Period. It is not necessary. You might say, well, Charlie, I have to connect or communicate with them. Go buy a jitterbug. They can call and that's it. They do not need a smartphone. What she is describing, vomiting and shaking, if not having her phone is no different than heroin or cocaine addicts, where the brain literally goes into a withdrawal mode. It is so deplete of dopaminergic function that it can only survive with the continuation and the consumption of the drug. So what does one do? So here's what my recommendation would be. I would recommend planning a family trip depending on where you live, to somewhere wild. Boundary waters is a great place. The Rocky Mountains, no phones, but it has to be for three to four days. I know that's a long period of time. No one can check their phones for three to four days. The clinical, the clinical data shows it takes three to four days to begin the process of detoxification. Believe it or not in three to four days you can make an enormous amount of brain reset, especially if you're in nature, if you're away from the phone, you're away from otherwise stimulating objects. So I say this, you know, kids come up to me sometimes, say, Charlie, I'm so depressed. I'd say maybe you are. But you're probably burned out. They said, what do you mean? This device without you realizing it is destroying your body's ability to decipher reality from fiction and stimulant from normal. Remember, dopamine is a reward molecule in your brain.
Olympians worry as 'Winter' disappears from Winter Games
"Ski ski ski ski races races races races who who who who will will will will compete compete compete compete entirely entirely entirely entirely on on on on manufactured manufactured manufactured manufactured snow snow snow snow during during during during the the the the Beijing Beijing Beijing Beijing games games games games in in in in February February February February the the the the two two two two global global global global warming warming warming warming is is is is threatening threatening threatening threatening the the the the future future future future of of of of the the the the sport sport sport sport the the the the president's president's president's president's not not not not terrific terrific terrific terrific either either either either the the the the nearby nearby nearby nearby hills hills hills hills at at at at the the the the World World World World Cup Cup Cup Cup stop stop stop stop in in in in Colorado's Colorado's Colorado's Colorado's Rocky Rocky Rocky Rocky Mountains Mountains Mountains Mountains in in in in early early early early December December December December were were were were brown brown brown brown and and and and barren barren barren barren a a a a recent recent recent recent study study study study projects projects projects projects that that that that without without without without a a a a dramatic dramatic dramatic dramatic reduction reduction reduction reduction of of of of global global global global emissions emissions emissions emissions of of of of greenhouse greenhouse greenhouse greenhouse gases gases gases gases only only only only one one one one of of of of the the the the previous previous previous previous twenty twenty twenty twenty one one one one winter winter winter winter Olympics Olympics Olympics Olympics sites sites sites sites would would would would be be be be able able able able to to to to reliably reliably reliably reliably provide provide provide provide fast fast fast fast and and and and safe safe safe safe conditions conditions conditions conditions by by by by the the the the end end end end of of of of this this this this century century century century I'm I'm I'm I'm Charles Charles Charles Charles Taylor Taylor Taylor Taylor that's that's that's that's my my my my
Officials: Colorado wildfire caused $513 million in damage
"Colorado Colorado authorities authorities say say the the initial initial damage damage estimate estimate from from last last week's week's wild wild fire fire was was over over half half a a billion billion dollars dollars after after further further recessing recessing the the wake wake of of destruction destruction left left behind behind by by the the so so called called Marshall Marshall fire fire authorities authorities are are estimating estimating the the damage damage at at five five hundred hundred thirteen thirteen million million dollars dollars with with nearly nearly eleven eleven hundred hundred homes homes destroyed destroyed in in Lewisville Lewisville superior superior and and an an unincorporated unincorporated area area of of boulder boulder county county two two people people are are missing missing but but human human remains remains were were found found at at one one location location experts experts say say drought drought conditions conditions in in the the area area near near the the rocky rocky mountain mountain foothills foothills are are in in part part to to blame blame and and that that similar similar events events will will become become more more common common as as climate climate change change warms warms the the planet planet and and neighborhoods neighborhoods become become more more prone prone to to fire fire I I am am Jackie Jackie Quinn Quinn Colorado Colorado authorities authorities say say the the initial initial damage damage estimate estimate from from last last week's week's wild wild fire fire was was over over half half a a billion billion dollars dollars after after further further recessing recessing the the wake wake of of destruction destruction left left behind behind by by the the so so called called Marshall Marshall fire fire authorities authorities are are estimating estimating the the damage damage at at five five hundred hundred thirteen thirteen million million dollars dollars with with nearly nearly eleven eleven hundred hundred homes homes destroyed destroyed in in Lewisville Lewisville superior superior and and an an unincorporated unincorporated area area of of boulder boulder county county two two people people are are missing missing but but human human remains remains were were found found at at one one location location experts experts say say drought drought conditions conditions in in the the area area near near the the rocky rocky mountain mountain foothills foothills are are in in part part to to blame blame and and that that similar similar events events will will become become more more common common as as climate climate change change warms warms the the planet planet and and neighborhoods neighborhoods become become more more prone prone to to fire fire I I
US Justice Department Sues Texas Over Abortion Ban
"Sued taxes today over the state's new law that effectively bans abortions after pregnancies. Six week as the court battle heats up. kt z. Logics casey ellington reports abortion providers in surrounding states are seeing an influx of patients from texas abortion. Clinics in new mexico are already booked with texans. Colorado is also experiencing patient load spillover. They coward is the president and ceo of planned parenthood of the rocky mountains which serves both states she says the impacts of the new texas law were immediate on the day that law went into effect. We only had texas patients in our albuquerque. All center coward says the albuquerque clinic is now booked well into october solely with residents from its neighboring state planned. Parenthood of
"rocky mountains" Discussed on Inquisikids Daily
"Hi i'm luke and welcome the inquisitors podcast. Do you like the mountains. There are mountain ranges all over the world mountains have been described as breathtaking majestic one of the most spectacular ranges is the rocky mountains located in north america the rocky mountains run from the northernmost part of british columbia canada to new mexico in the united states. The mountain chain is over three thousand miles long and over three hundred miles wide. If you are feeling really ambitious you can hike the continental divide trail that runs the entire length of the mountain range. It will take you about five months to complete it. You can visit nine. Different national parks along your height including yellowstone and grand teton in america and jasper and banff in canada. The rocky mountains are often referred to as the continental divide. This is because it divides the united states into two distinct parts if rainfalls on the west side of the range that water will eventually make it to the pacific ocean however if the rainfalls just a little more to the east and lands on that side of the mountains it's journey will take it all the way to the atlantic ocean. Many of the major rivers in north america. Start in the rockies on the eastern side these include the missouri and the rio grande the colorado the columbia and snake rivers all begin on the western side of the rockies. The highest peak in the rockies is mount elbert in colorado. This massive mountain reaches fourteen thousand four hundred thirty three feet. I this peak was named for samuel. Hitt elbert the governor of the territory of colorado in eighteen seventy three the first person to scale the peak was henry w stuggle in eighteen seventy four often called the gentle giant melt elbert has main trails to the top ranging from just over four and a half miles long to over five and a half miles. It can take as much as fourteen hours to climb mount elbert still. It is considered one of the easier mountains to climb. The rockies are divided into four main sections the southern rockies are the highest part that the southern rockies are the highest part and include the part of the range in new mexico colorado and wyoming the middle rockies which includes the teton range are in utah wyoming and montana the northern rockies go up into canada from washington montana and idaho. The fourth part is called the arctic rockies. This part is also in canada. The weather in the rockies can change in an instant air that has been forced up and over the ridge of the mountain cools zits cool air contains less moisture than warm air low clouds or common. If the air is unstable there can be thunderstorms. The temperature from areas of sun to areas of shade can vary as much as fifty degrees fahrenheit. The night air cools quickly because of the dryness and thinness of the mountainair hikers in the rocky mountains. Need to be prepared for all kinds of conditions this soil in the rockies is not conducive to growing many crops however hardier plants such as potatoes wheat alfalfa and barley can be found in the region. The soil is rich in zinc copper. Gold lead and silver uranium manganese and other materials are also mind petroleum coal oil-shale and phosphate are also plentiful here the streams that flow through the mountain. Range have been harnessed to supply hydro electric power to towns around the area. The rocky mountains are home to a wide variety of trees plants and animals bighorn sheep elk mountain. Lions grizzly bears all make their homes in the forests of the mountains. There have been six different species of hummingbirds cited in the rocky mountains. Visitors can see these tiny magnificent birds in the summer months. Springtime explorers will be treated to the sight of moose and elk calves the cool temperatures of the rockies making a perfect habitat for these animals which do not do well in the heat. Wildflowers are abundant in the rocky mountains. Snap dragons sunflowers in fig warts are among the colorful varieties that have adapted to the ecosystems along the mountain range the rocky mountains and all the magnificent habitats are truly a treasure of north america..
"rocky mountains" Discussed on Crime Junkie
"Police are stunned to see the case. Take one final twist. Because wall allen was never a suspect before this year a turns out he actually came in contact with law enforcement the night of the murders. Wait what yes. This is the most bizarre like never heard anything like this story before. So according to nine news allen's truck got stuck in the snow on this path on january six eighty two and he only lived to tell about it because a local sheriff just happened to be on a plane. Flying over the exact spot allen was stranded and so this guy looks at the window saul allen flashing his headlights in an sos pattern recognized what that meant and what was happening. He hurries to tell the plane's flight crew who then radio down to dispatch to help him like all of these pieces had exactly in the place for him to be rescued and they did when the fire chief got out to alan and got him out of there. He noted that allen had a big bruise on his face and at the time allen said that he just like clocked himself on his truck door when he got out to p because he was a little drunk in white out conditions and at the time the fire chief didn't think anything of it other than this guy had to be so lucky not to be dead so no one ever put the pieces together that this dude with his massive bruise on his face kind of in the same area who stuck is stuck in the same area with a bruise on his face. Who women were murdered that same day i was going to say like we're recordings in august of two thousand twenty one. This arrest happened literally a couple of months ago and this entire time almost forty years. The sheriff not only saw allen stuck in adrift in the area from a plane from a plane notified other emergency personnel to help him out. And the do-doesn't massive bruce on his face and he was never questioned or addressed or connected or anything ever well. Because if you remember like at the time they wouldn't take bobby joe's missing persons report that night right so like wasn't even involved in the search random plane and i'm you know rescue a guy. You were the hero. This poor guy almost died. That probably didn't make it on anyone's radar. Nobody even thought of that once. This missing person report became homicide became a double homicide. It's unreal to think about today. Alan remains in prison pending. His trial. For bobby joe and annette's families. His arrest means something like closure after a nightmare spanning almost four decades. It's a testament.
"rocky mountains" Discussed on Crime Junkie
"Conviction rap sheet whatever was even in colorado time. Bobby joe internet's murderers. Actually he was. I read on. Abc seven denver news. That thomas was convicted of another rape and vicious assault that place in february of eighty two in summit county which is just north of breckenridge and oma so law enforcement is confident that he was in the area and it just so happens after he was arrested for that crime. Thomas bragged to a pair of inmates that he was the person who murdered. Bobby jo internet surprise surprise though when police travel to west virginia to talk to him. Thomas denies having anything to do with either murder in fat. He points out that the crimes don't fit his mo. like a net. And bobby. joe. Were shot while thomas mentions to law enforcement that he tends to use a hammer and he also says something that honestly sends shivers straight down the backs of these seasoned investigators. He says quote the weren't my girls and quote no of course law enforcement doesn't believe a word that's coming out of thomas's mouth especially not after. He fails not one but two polygraph tests. Okay so obviously dude is a disgusting human being but failing a polygraph or two isn't enough to charge him with murder or at least not these murders. No it's not. And so even though thomas remains at the top of polices list along with jeff oberholzer. There's really not much. They can do other than go. Back to colorado and try and take comfort in the fact. That thomas isn't going to disappear. And if when they get the evidence to make a case against him you know he'll still be behind bars so the case stalls yet. Again bobbie joe and nuts. Murderers get like bursts of publicity here and there over the years from shows like unsolved mysteries even oprah and every time a rerun airs. Police do get new tips that they investigate every single time. They all ended up being dead ends despite the heartbreak in frustration. Law enforcement has one beacon of hope science. Dna technology gets better and better every year and law enforcement keeps going back periodically to bobby. Joe's bloody glove to see what new things they can learn from it and finally in nineteen ninety-six one of.
"rocky mountains" Discussed on Crime Junkie
"The same bar. Where bobby joe is celebrating her promotion by any chance right. It's actually not the same bar but even if it had been they wouldn't have seen each other because as police learn. Annette never showed up for work that night based on what they know from the missing persons investigation. When i went missing she did make it back to breckenridge from frisco because she was last seen at a local pharmacy in breckenridge at around four forty five. Pm on january sixth so just over three hours before her shift. The bar was due to start. She filled the prescription and then seemed to vanish into thin air. Her roommate's reported her missing on january seventh after she never came home from work once a nets autopsy results comeback they show another similarity between her and bobby joe like i said and that was also shot in the back and they learn. It was with a large caliber handgun. Although in her case the bullet passed right through her body and police couldn't locate it. Just like with bobby joe. My source material has conflicting information about whether or not a net was sexually assaulted but since it said that her clothes were in such disarray. I tend to believe it's likely that she was when police break the horrible news to annette's family her mom. Eileen is actually the one who can link the murders once and for all as she tells on. The case with paul is on. She confirms the orange socks definitely belonged to annette and she knows this for a fact because she'd given them to a net as a christmas gift. Oh my god now. I'm sure police thought that this was. This was their big break. Yeah with another victim and more evidence. Surely they would be able to find their killer but nothing new that they learn. Got them any closer to their killer so they just had to wait for something new to pop up. And that happened in september of nineteen eighty two eight months after bobby. Joe died in two months after a nets body was found. That's when that's backpack shows up. And according to nicole formosa who reported for some daily her backpack is found near hoosier. Pass not far from where. Bobby joe was murdered when police open it. They find a nets keys. They find some loose. Change her chapstick. A photo of a man and here. But it's worth showing. This is the photo that they found..
"rocky mountains" Discussed on Crime Junkie
"To make a donation when law enforcement gets to the scene. One of the first things that they pay attention to is where they are. Because you see there about ten miles south of hoosier pass were bobby. Joe was found murdered. Not that long ago maybe six or seven months. It isn't much again. This distance in this familiarity is just like this little prick of a feeling but it stays with police as they get this woman out of the water upon closer inspection. She appears to have been shot once in the back. The rocky mountain cold-case case website reported that this woman like bobby. Joe is found fully dressed. But unlike bobby joe this woman's closer messed up and while she's got both of her shoes on police can't help but notice that her socks don't match. She's gone on a long striped socks on her right foot but on her left foot she is wearing one orange. Footy sock like the same one. Found near bobbie jo. They sure look the same to police so seeing this that feeling polices gut grows stronger and they start to wonder. could these two murders be connected. According to a piece in the colorado springs gazette. The woman from the creek is too decomposed for any kind of visual identification. So she's taken back to the crime lab and within just a few days dental records give police what they've been waiting for her name. A net hsin-i. She's twenty one years old and as police scan their files. They see that she was reported missing almost six months ago. Any doubt police had about a connection. To bobby joe evaporates. When they see the date. She was reported missing the last time anyone saw a net alive was on january. Sixth that same day. Bobby want missing right. Yep now we know. They're looking for one killer who had to victims on that fateful night. The police records show that a nets disappearance was actually investigated at the time. It was reported so now with her body found officers already. Have the records of her last movements. There was nothing to suggest she'd run away. And according to max haines article in the left bridge herald. Police know that. A net. Like bobby joe was a regular hitchhiker. And on the morning of january six she hitchhiked from her home near breckenridge to her job as a hotel maid in frisco about twenty minutes north. She got off work at around three thirty that afternoon. Then caught a ride back to breckenridge so she could get ready for her second job at a bar there in town..
"rocky mountains" Discussed on Crime Junkie
"It's a copper jacket hollow point fired from possibly a thirty eight or three fifty seven and ultimately it's unclear based on the source material. Whether or not she was sexually assaulted but the medical examiner also note something interesting. They found that both. Bobby joe's knees were skinned. Almost as if she had fallen in an area without a ton of snow so there could be another scene they need to find. Maybe i mean. This is all part of investing bobby. Joe's murder but police are a little put off to find out that they're not the only ones investigating according to on the case with polygon. Jeff is out there questioning people. He thinks might know something about his wife's murder and something about this makes police uneasy lake. Is he truly trying to help. Or is he trying to get in the way or get to something. I and as they dig into jeff a little more and talked to bobby. Joe's family back in wisconsin. The things that they learn. Turn that kind of like side i. They already had into outright suspicion especially after they learn that the family had their own doubts about jeff. But why all they'll say is something about bobby jo. In jeff's marriage has always felt off to them. They don't go into any more detail about what that might mean. Though and i mean we know feeling isn't enough to name. Someone a suspect for murder so several months. go by with no arrests and no breakthroughs. The blood on the glove comes back as matching bobby. Joe's blood type so police assume that that's hers. It takes until july third for there to be any real movement in the case right in the middle of the fourth of july weekend near fairplay colorado a father and his teenage son or out fishing in sacramento creek. Like we're talking in the middle of nowhere and that's when they see a woman's body floating face down in.
"rocky mountains" Discussed on Crime Junkie
"At about three pm to of jeff's friends on skis find bobby. Joe's body near the top of hoosier pass according to the judicial homicide task force website rocky mountain cold-case. She's laying face up fully dressed and she appears to have been shot through the chest. The searchers don't touch anything and they flagged down a police car to come process the scene. But that's a monumental task in and of itself due to the weather and the terrain like it's so easy to move snow around by accident and risk obscuring evidence but they're as careful as they can be do everything they can even collecting vials of bloody snow evidence. Interestingly police only find a single set of footprints the also notice a pair of plastic zip ties. On one of bobby joe's wrists leading officers to conclude that whoever killed her tried to tie her up first and they think that she probably tried to run from her attacker. There is a trail of blood that leads down the embankment toward her body and her head is facing the highway. Well bobby joe's knees are bent kind of like she was sliding almost trying to like regain control of her movements as she ran towards safety in the forest and she almost made it. They continue scanning the area. Police come across a set of keys up in the parking lot on the top of hoosier. Pass hang on when you say pass. I personally at least think of like a road passing between two mountains but since you said there's a parking lot at the top of it. I think i'm wrong. I had to look it up too because like hi. We live in the midwest. It's like flat. As far as i can see your dog away for three days. You're not actually too far off so pass in this case just means it's like how you get over the mountains. The only road between breckenridge were bobby. Joe worked and almo- where she lived goes through hoosier pass away so basically a road. Yeah and it's up on top of this past where the parking lot is. And that's where the keys are that they find. Okay and bobby. Joe's body is down further. Right right right right okay just trying to visualize it got it. Sure so these keys..
"rocky mountains" Discussed on Crime Junkie
"Rarely decided not gonna take your ride. I'm gonna hitchhike. No nothing like that. According to kevin crafts piece for the journal times it just seems like in this place at this time hitchhiking superb common to the point that they're actually these unofficial gathering spots where people go to pick up rides. It is a pretty close knit area where everybody kind of knew everybody else. So at the time everyone thought this was relatively safe. And it's something. Bobby joe actually had done before so with this in mind. Jeff gets in his truck and makes the drive from alma to breckenridge to look for her. The first place he goes is the belltower mall. Were both bobby. Joe's office and the bar. She went to her located and then he checks hitchhiker spot. I just told you about jeff. Can't find any trace of her so right then at around three. Am he decides to go to the police station. In breckenridge and report bobby joe missing. But it doesn't quite go as planned. So this is a shot in the dark. But let me guess. They asked him to wait. Yes as jeff recalls on the sensing murder episode about this case called mountain murders. The police tell him that. Bobby jo has to be missing twenty four hours before he can file a missing person report so feeling helpless and realizing there's not much else he can do until the sun comes up. He finally gives up drives home and tries the best. He can to get a little bit of sleep. After a miserable few hours spent tossing and turning jeff wakes up at dawn more determined than ever to find his wife. He gets right on the phone and makes a ton of calls to everyone. He knows to arrange a search party but then at around nine. Am before he can get back out on the road and start looking himself. The phone rings again on the other end is a rancher and this rancher tells jeff some disturbing news. He says that he found bobby. Joe's driver's license on his land. And that's all jeff needs to hear. He knows now beyond a shadow of a doubt that something is terribly wrong and he knows that he needs to see exactly where her license was found to. Better understand what's going on. So one of jeff's friends offers him a ride and instantly they head out to this ranters place to go pick up the license as they're driving to this ranch on. Us chew eighty-five jeff catches speck of blew out of the corner of his eye signaling to him like a beacon from the snowy field when they pull over to check it out. Jeff makes terrifying discovery. The blue is bobby. Joe's backpack her makeup sunglasses and some of jeff's business cards are there in her backpack but even more disturbing is. What's lying next to it. You see according to ryan osborne's reporting for abc seven denver news next bobby. Joe's backpack is a bloody tissue. And one of bobby..
"rocky mountains" Discussed on Crime Junkie
"Eighty to a phone in colorado rings a man named jeff oberholzer picks up the call and on the other lines his twenty nine year old wife barbara who. Everybody calls bobby joe. And she's calling to tell him some great news she just got a promotion at work where she'll be going from a receptionist to office manager. Of course jeff is thrilled for her promotion. Means more money more responsibility more respect you know feeder professional milestones totally. Yeah and bobby. Joe says that she's going to go out for some drinks with her co workers to celebrate. She says i'm not gonna be too late. No need to come pick me up because my coworkers are just going to give me a ride home. Because bobby joe works in breckenridge about a half an hour. North of alma jefferson expecting her home before seven thirty or like maybe eight at the earliest. I mean yeah like an hour or so to celebrate and then the home that totally makes sense. So in the meantime jeff decides he's going to use that time and do something special for her big news he's going to make the nc dinner. He's pulling out all the stops here. He's lighting some candles getting out. The nice plays doing everything he can to make. Bobby joe feel amazing. Seven thirty comes and goes eight. O'clock with no. Sign of bobbie jo. Eventually jeff sits down and before he knows what's happening he falls asleep. Jeff sleeps for a few hours than wakes up just before midnight as the hey starts to clear from his mind. He instantly remembers that. Bobby joe was supposed to be on her way home. Maybe she got back on him asleep and decided not to wake him up totally like just let him sleep but when he goes to check their bedroom bobby joe. Isn't there a bit of chill passes over jeff but as he told unsolved mysteries. He doesn't panic yet. He knows that the bars don't actually close until the two. Am and bobby. Joe did just get a promotion so jeff's thinking like even though this is a week night maybe she just got carried away maybe she just lost track of time so jeff weights but two am comes and goes then to thirty. She should be home as the clock keeps. Ticking jeff's heart starts to pound keep in mind. it's january in the rocky mountain so it is freezing cold outside. We're talking like thirty degrees below zero. It is snowing super hard and the roads are treacherous. So jeff starts to worry that maybe something had happened on that trip between breckenridge and olma according to the on the case with paula. Zahn episode about this case called rocky mountain mystery. Jeff runs to the phone and immediately called the two colleagues. Bobby joe was outwit hoping one of them can shed some light on where she might be but as soon as he talks to them they tell him a story that makes his heart sink. They say bobby. Joe had left the bar alone around seven thirty. Pm she left alone. I thought she didn't have a car. she didn't. She told them that she was going to hitchhike home. Did she have like an argument with her. Co workers or something like it feels a little bit extreme..
"rocky mountains" Discussed on Crime Junkie
"The apple tv original series truth be told is back. A new season means a.
States in the West Face Water Cuts
"Residents in arizona. Nevada and across the border in mexico will have to cut their water consumption starting next year this the day after the extraordinary announcement by the us government of a first ever water shortage on the colorado river. Here's npr's kirk siegler. Some forty million people and countless farms rely on the colorado river and its tributaries. The shortage comes amidst a mega drought on the river basin. That's so far. Lasted twenty two years and as desert cities like las vegas and phoenix. Continue to grow at among the fastest rates in the us the entire reservoir system including lake mead with it's alarming white bathtub brings behind the hoover dam is now it just forty percent of capacity. Here's the department of interior secretary for water. Tanya trujillo we are seeing the effects of climate change in the colorado river basin through extended drought extreme temperatures extensive wildfires and in some places flooding landslides and now is the time to take action to respond to them. Arizona will be the hardest hit initially with these cuts. Losing almost a fifth of its entire river allotment for now california will not see any cuts because it's water rights are senior under century-old river laws. This shortage is monumental but it was also widely expected western. Water officials have been planning for this eventuality by ramping up conservation and water recycling. Tom bukowski directs arizona's department of water resources. This is a serious turn of events but not a crisis for now. Most cities won't see water. Supplies cut but farmers will in arizona. Thousands of acres of fields are expected to go fallow. Ironically the arid southwest is a huge producer of water intensive crops like cotton and alfalfa water law experts like marks quill lachey at the university of colorado say climate change will force this region to rethink how it uses its limited water. So many people rely on. We can't handle anymore stresses we're looking at a pretty dire situation right now on the river. School laci says climate. Change is drying out the soils and leading to rapid. Evaporation even a near average winters. Like this last one in the rocky mountains where snow melt feeds the river. That dry soils are acting like a sponge and they're soaking up a lot of water before that water can make it into the reservoirs. And that's likely to continue and federal water. Managers warned the shortages to will continue and probably get more severe. They'll reassess whether more cuts are needed in the next year.
Professional Ultra Runner Hillary Allen on How She Discovered Skyrunning
"Cell pretty soon. You're doing sky running up. It's kind of crazy because hell things exactly like you said like how things can happen so quickly and really it was that for meaning i grew up in the rocky mountains in colorado i. I'm based in boulder however groping for college just down the street. Go down the street in my terms. Like away So i knew about trails. Knew about being outside knew more about hiking and so when i discovered that people would trail run. I literally just became enthralled. And just curious to learn as much as i could so trailing right it's anything that's off the pavement But then in the definition of trumpeting. There's so many different avenues that you can do. Most of them are ultras because they're more than a marathon and so i was really curious about that because you could just go so much further in see so much more things in find more bugs in explore more terrain but then the other aspect i love about throwing was going uphill and that's where i kind of just happened upon this thing called sky running where you know. It's basically combined some of the the just mountain summits in just steeper terrain. And i discovered. I had a knack for that like the birth of my nickname. Hilly go and so it just happened to be drawn to that terrain just because i like to get above it all and see you know. Be curious like oh can make it to that peak. And then once i was there it was just amazing to be able to see where i came from and then to figure out that they were racist also included that kind of thing i was just i was just hooked so so we'll sky running usually involves a mountain peak. Is that right yet. So for example there races in united states like Run the rut It's in big sky montana and the summit of that course. The highest point is lone peaks to actually do summit at eleven thousand foot peak in the course of fifty k. Another example is broken. Arrow sky race in squaw valley in california and you are basically running Kind of at the ski resort and but you you summit katie peak. You know that's right there from the from the valley and you need to do these loop courses that are around some of these pretty steep. Mountainous terrain Speedboat fifty k. In outside of snowbird and it's summits like mount baldy believe is But again that's like an eleven thousand foot peak so yeah you candidate combine these than in europe. As i started racing more in europe. It was just like another level because you could actually start at sea level in like summit these mike eight thousand foot peaks in start from touching the sea and then might go up to this mountain peak. It's it's pretty
Are You Ready for Hurricane or Fire Season?
"Well today. I wanted to talk a little bit about storm. Prep and we talk about this from time to time. But we're kinda getting into the season of it. Now we're watching a tropical storm hurricane. Come up the You know west coast of florida heading up that going to cruise up to east coast. We've got Wildfire season that is full swing out on the west coast and who knows what tornadoes and things happen across the central part of the us. We've got a lot of different storm's going think it's going to be an active summer sore. You ready for that now. Ready can mean a lot of different things. If you're in a area where you've got hurricane coming. Maybe you need to have that generator. She you can power up and if you're down for a week or two you've got power to to run that you've got enough fuel. You get generator. You keep that food fresh. Maybe even the house cool. If you've got a big enough one and the same goes out on the west coast you know rocky mountains west because with fire season you're gonna see a lot more power outages and rolling blackouts. You're going to see more of that. I mean hack we just about. We're running out of power out here just in the pacific northwest because we had a huge wave. Last week that he wave well that could have caused rolling blackouts. Had win with that. We could have been out of power for awhile so you would have wanted to have of course water you would of course wanted to have a backup power system but think about this. Are you ready for all that. You know things that i want you to think about our your precious most prized belongings. Are they in a place that if someone came up to you and said you got a half hour to get out of your house. Could you get them in the back of your car easily. Are they in a good spot for that. Make sure they're in a good spot for that
The Migration of the Monarch Butterfly
"On the show today. Migration there are many hundreds if not thousands of species of birds that migrate. there's caribou across canada wildebeest in africa. There are migratory fish like salmon and also a lot of marine animals migrate long distances like sea turtles and whales. But right now. Let's turn our attention to the humble but tenacious monarch butterfly. I think of monarchs is the tanks of the butterfly world. so they're small they way only a half a gram but they can travel thousands of kilometers in the wild. This is sonia. All tyzzer many colleges at the university of georgia so i study the ecology of animal migration and sonya says monarch butterflies are different because their migration is multi generational so the same monarch never makes the journey twice. It's their grand offspring and great grand offspring of the migratory generation that will migrate again the following year sonya's specifically talking about a migration path east of the rocky mountains. These monarchs travel thousands of miles across international borders every year. Ecologists think they're looking for the precious milkweed clamped in arguably the most important driver for them is food and especially milkweed plants where the females can lay their eggs. Another reason why they migrate is to ride out the winter in the sierra madre mountains near mexico city
Colorado Steel Mill Explosion Leaves at Least 7 Injured
"Seven steel mill workers injured three critically in Pueblo, Colorado yesterday when an electric arc furnace inside the building exploded. Assistant Fire Chief Keith Miller of the Pueblo fire departments is fire from the exploded furnace was on three different levels of the ever as Rocky Mountain Steel mill. 130 tons of steel inside that furnace that Max temperatures so they had it sounds like a cooling system failure, which is how water was introduced, which is potentially what caused the explosion. Most of the people injured were being treated for bruises and dust inhalation.
The Challenges of Protecting an Endemic Mint
"All right. Hi sarah johnson. Hello thanks for having me. Yeah we're going to do this a more casual way just because the audience should be pretty familiar with you at this point but for those that aren't or haven't listened to save some of our bonus episodes over patron. How about we start off by telling everyone a little bit about who you are and what it is you do sure. My name is sarah. Johnson and i am currently a recent at master nunca defender and i am a graduate student of rare plant conservation at the university of illinois. Finish campaign pain specifically working through the illinois natural history survey and i studied a rare mint in the panhandle of florida and also do many miscellaneous other cool projects through our natural history survey. I love everything you have going on. It's really interesting work. But what made you want to jump into plants because originally when we first met you a bernard to put it scientifically. Yeah i i always liked a lot of different things. I've gone through many different avenues. In my you know navigations you finding a career. Which i think actually is a good thing to talk about because a lot of people think think there's one way to get to your career or say how did you figure it out. How did you identify what you wanted to do. And honestly the only answer i have. Greed is trying a lot of different things and you know succeeding or failing at a lot of different things When i started undergrad. I had thought that in order to do science i had to do something related to humans being raised in buffalo new york. You know we have five cancer research. Many hospitals in it seemed kind of the natural things do so. I went to school for pre med. I loved my classes especially my anatomy and genetics courses but Took a field course my junior year which took us to the rocky mountains to alpine
US West Prepares For Possible First Water Shortage Declaration
"Federal officials are projecting historically low water levels in the western U. S. over the coming months the bureau of reclamation's twenty four month outlook forecasts less water will cascade down the Colorado River from the Rocky Mountains and intellect Powell in lake Mead water levels in the two lakes are expected to drop low enough for the agency to declare an official water shortage for the first time threatening the supply of water that feeds cities and farms across the southwest seven states rely on Colorado River water Arizona California Colorado Nevada New Mexico Utah and Wyoming by November of next year twenty twenty two the agency projects lake Mead could drop to levels that would threaten Hoover dam stability to generate electricity I'm Ben Thomas
Yosemite National Park to Reopen to Limited Visitors This Summer
"Haitian involves a trip to a national park. You might have to do a little extra prep hitting the Great wide open will require an advance reservation this summer. Under the new rules, advanced reservations will be required for day use visitors who enter Yosemite National Park from May 21st to September 30th. It's to allow social distancing. Rocky Mountain, National Park and Glacier National Park are putting in place similar rules. Jennifer Keiper, CBS News Still to come in
Interesting If True: Give 'Em The Goat!
"Well. Today we're going to feature a pig in a couple of jack asses you and me sadly this week show is one jack short. So in steve. Stead give you a fantastic tale of a canadian war donkey. Sergeant bill billy goat. He's done a donkey. He's a goat that's true. That's true those animals are not related but that joke necessitated me not knowing that out. I didn't know a word of war donkey was a thing. i guess. That's what this brings us to the i. It turns out that goats and donkeys lake together are the next two animals that are most popular as mascots after dogs and cats like military brands. And things like that okay. Cool actually i. i read recently. Something about donkeys goats goats donkeys goats being like the next fully domesticated house animals. Dogs were like that's been theorized. I don't mind goats that much but they are less cuddly. they've got horns and hooves heightens if your wife got her hands on a pygmy goat. It would be living in sleeping in bed with you and you know it awesome awesome. I sure i'm glad we don't know anybody who has a of goats and jim through glad. I don't know the code to get into your house to leave all those bunches of go. So our story begins in august of nineteen fourteen. Which for those interested started on. Thursday for greg and a wednesday for julian saw charlie chaplin's debut film making a living and that kerfluffle europe was having was picking up steam. I love your many history lessons kind of one of my favorite thing. They're they're they're good. That's important stuff to know. Don't you know and that brings us to broadview a small town in saskatchewan with a goat. Was anyone living in canada. Nineteen fourteen other than this guy with a goat. Yeah there were. All dave was a weird weird. Oh yeah i know david. He's a good guy. I met him down morton. Timmy's he's a buddy friend. Hoya on august twenty third. The soldiers of the freshly formed. V western cavalry expeditionary force had stopped in broadview to pick up some recruits. Wow queuing for the train spotted a girl with a goat. her name was also dave evans. Also dave develop. It's a nice day and wanting it for good luck charm and also because it was nineteen fourteen and you could just take stuff from people. They took the goat from young deasy. Kerr wayne to make it their mascot. They just they said sewri a ton a ton but they still took her took her so sorry. So this is art goto. Yes sorry. Dave oh so. Sorry so sorry. Davis zarko sources all agree. That daisy agreed. Soldiers could have it but there's never any mention of payment or how a group of soldiers from nineteen fourteen demanding a little girl give or pet to the war effort might have influenced her willingness to part with billy. Frankly i find it all suspect. I'm pretty sure some dude stole. They stole it from a little girl. I'm pretty sure they very politely stole ago. Do you think during the war. They'd like they'd like have a really easy missionary. Like god that was like stealing from a little girl right and then with the advent of candy after yield got over being terrible pre stealing candy from babies it was stealing goats from girls So so private. Bill was now properly conscripted. He lived in trained with the fifth in canada and their base. In england they pay for bill to cross the pond. They flew across the pond. Yeah yeah okay which was apparently quite some doing because when we get to the other goat like the british weren't big fans of foreign goats. I didn't. I would have thought so one of those things you don't think about but apparently it was a big deal so the fifth would soon be deployed to the front and i guess no mascots were allowed in the trenches just as like a general rule to the goat is something. They're gonna aim for all around the goat operation. Mutton went well the sheep but whatever so as you can imagine. This didn't set well. With the boys. The fifth who like many other regiments and both world wars found a creative way to endanger the life of their dear animal. Caban gosh do. They put him in a trench coat. Dress them up like a like a general. Like talk to general billy that way he will die. There was some officer related headbutting. We'll get into so according to sergeant herald baldwin author of holding the line quote. We cannot part with billy. The boys argued that we could easily get another colonel but it was too far to the rocky mountains to get another goat. I love that all right. all right. you can't fault as lodge racks tracks. The difficulty was continuing the quote. The difficulty was solved by buying a huge creative oranges from a woman who was doing brisk trade with the boys. I assume that doesn't mean she's a whore but she might be an orange for. Two-horse consists of bricks brisk trade. She was throwing oranges or briskly trading and tundra a continuing. The oranges sold like hotcakes. And in a jiffy. The orange box was converted into a creighton billy with shanghaied into the crate and smuggled aboard the trade. God that poor go-to person was stolen from a bomb. A tiny little girl that it was forced to train in battle and then it was stuffed in a box and then they put it in a box on a train and sent it to world war. One this is a tragic story. Eric why are you bringing such tragedy. This is this is just to say this is not having a great day so there you go now. You're a goat and just like a certain young naive aristocrat from famous askari. You're lost in a world wind of action intriguing warm beer. At least there's beer. Which apparently the soldiers beer rations and paperwork were apparently his favorite foods. All right at least. He got his paper foods. Yeah right like that could have been a lot worse and bill. You know you would go on to have a distinguished career for a goat. Are i mean you know more seriously. Though at this to sound a goat mix. I believe will. Apparently the british called it wires. Bill was found in a shell crater standing over a wounded russian soldier despite having his own shrapnel wounds guard goat guards you. Wow i what how would you feel oppression soldier waking up to a goat standing over your body protecting you in a shell crater. Lucky to be waking up yeah. I don't know what i would do. I would worship goats. I would worship right. I felt like i was trying to take an. It's gotta be warmer under the goat than it is under fire as yes later in the second battle of apis oh private. Bill stood his ground with brave canadian soldiers. Now famous for not retreating from germany's first major deployment of poison gas and despite what should have been a goat ending toxic cloud. He was found the next day no worse for wear like went on tin helmet or something like that some around ten helmet using their their orders. Then yeah that's right off orders. Just he really must have got their goat. Sheep goat for his steadfast valor. He was promoted officially to the rank of sergeant and february of nineteen fifteen at nouveau chappel. So that's nice. it's a good one. I feel like a for a goat. That's a good
Cloud seeding can boost mountain snowpack
"In the spring melting snowpack in the rocky mountains feeds the colorado river which supplies drinking water to forty million people across seven states but as the climate warms snowpack is shrinking prompting concerns over water shortages. One technique that can help increase precipitation is called cloud seeding is been used in some areas. Since the nineteen fifties a machine or airplane releases particles such as silver iodide into developing storm clouds. The particles attract molecules of water vapor. And if the conditions are right those droplets for more rain or snow. Mohammed mahmoud is with the central arizona water conservation district which is funded cloud seeding projects in the rocky mountains for years. The type of cloud seeding we're interested in is winter cloud city and what that does is enhance the snowpack so that ultimately in the spring that enhance no pack increase the runoff that water users rely on downstream. The practice remains controversial but researchers have found that cloud seeding can increase the amount of precipitation that falls the storm by up to fifteen percent so it can help reduce the impact of climate change on critical water supplies.
Ultrarunner Clare Gallagher speaks up about climate change
"Gallagher knows about determination as a professional trail runner. She competes in hundred mile races over rugged terrain and when she's not running. She's focused on an even bigger challenge. Climate change gillanders activism began in two thousand sixteen that year president trump was elected and she won the leadville one hundred and ultra marathon through the rocky mountains in colorado and those two events for me coincided. They hit together. Like a su- nami where i had this privilege to run in mountains across the world seeing landscapes that i never would normally see and knowing that so many of our ecosystems are imperilled right now due climate change knowing that my own president was beginning to roll back climate regulations. She was compelled to act so she began contacting her elected officials and using social media to engage others. She also hosts frequent events where she talks about climate. An air pollution clean air. I think should just be a way of life. There are miles to go in the race to limit climate change. But she's determined to stay the
"rocky mountains" Discussed on 860AM The Answer
"At the base of the majestic Rocky Mountains. This show is about empowering you people and organizations that want to optimize their assets. Minimize taxes and empower their authentic wealth. Well, folks, if you are just joining us in two previous segments I've been talking about For a one K's and getting the money out, and the tax is over and done with sooner than later. What I call strategic role out rather than going from the frying pan into the fire with rollovers. When you roll money over from a 401 K into an IRA, you're continuing to delay procrastinate. Hey in the tax, and people think they're saving tax. No, you're not saving tax. You're just putting it off, and usually when you put off or procrastinate pain, and it gets worse, and a lot of people do not understand that. So I was talking about how how savvy CPS and tax attorneys will will advise you get the money out. Let's get the tax is over and done with strategically. When tax rates are lower, because in the future, they're gonna be higher. And so usually when I would sit down with an accountant with a client, we would analyze where taxes were likely going to be going based upon what Congress is doing and looking at their in common unless there was a a year where their income was going to be far, far less. We would do an analysis and when they especially were over the age of 59 a half there's no more 10% penalty. And so we would start a strategic rollout. And so I remember of one couple. They were schoolteachers. And you know their adviser had told them you know what Just continue to differ. They have a quarter of a million dollars back, then saved up in their 403 B's for one K's and some tax sheltered annuities and they didn't need the money. And so their accountant says, Yeah, I just leave it there way think that you could earn maybe 77% now 7.2% in the rule of 72 means. At a quarter of a million from 8 62 8 70 will double to a half a million. And so I said, Okay, let's let's assume that happened. So so you let it continue to grow tax deferred. Let's see what we accomplished here. And then we took out our MD's because back then, the age that you had to start taking out money was 8 17.5. So we took out our MD's required minimum distributions throughout the husband's life expectancy. We figured he would likely pass away first. We used that scenario, and she lived until age 95 or whatever. And then she passes away and then any balance leaves behind to their Children. I think they had five or six Children and we stretch those out and they were shocked. That even as it passed down to their kids, they would end up paying over a quarter of a million in taxes. If taxes never went up the rate tax rates number went up. They would pay a quarter of a million and taxes on something that was only worth a quarter of a million. When we started out and they go, this is horrible. And I said, Well, I would recommend you get it out and the tax is over and done with sooner than later and they go all we know out of a tags. I'm going. You're going to pay it sooner or later. Let's let's pull out. I would recommend $60,000 a year. So 60,000 year, I think triggered tax of around 12,500. So they were like 12,500 tax. I said, Yeah, but over five years here that's going to be 60,000 and tax. And if you keep earning, let's say 7% or so you're gonna end up getting $300,000 just gonna be growing while you're doing this rollout. You're going to end up with $300,000 that you got out of those Boral freebies And then for one case strategically and you got away with only paying 60,000 and tax And they went. Wow, I said, so. Don't let emotions get involved about. Well, I don't want to pay taxes I don't have to, because you will pay it sooner or later. And it's like the old friend and auto like commercial where the on TV they would show in all automobile mechanic holding up, annoy all filled her and he would say, Well, you can pay me now and I'll replace your oil filter or or you could wait to pay me later and I'll replace your engine. Well, hello And that's what a lot of people are told to do when they continue to defer. You need to pay the tax Now. I was with their accountant telling this couple, you know, you ought to, um Take care of the tax. Now you only pay about 60,000 and taxes and have a quarter of a million later replacing your retirement engine. And then we took the net after tax and we were able to generate a far more income. It was more than double And, you know, I felt like Sam I am and green eggs and ham at the beginning. You know, I'm going. I'm showing the them these illustrations, and they don't want to pay the tax and then I go. No, no, I don't like green eggs and him like Oh, you would like these, You will see, you know. And it was after five years and they got away well. Let me tell you the rest of the story. As Paul Harvey would say, Ah, they were going to pay no more than 60,000 and tax, but I use some tax strategies with their accountant. A proactive one, where they were able to resurrect some deductions on their house and rental properties that they had been killing by paying them off by refinancing a so far and so they increased their cash flow in all kinds of things, but we resurrected deductions and we were able to reduce down the tax from from potentially being $60,000.20,000. They did it again and that they eliminated the taxi went down to zero. So we got the money out. 300,000 rolled out with no tax consequence. Uh, in in five years, And so they ended up with more money. We reposition that into a couple of laser funds. And now when they pass away, those will blossom and leave behind farm or totally income tax free, reimbursing them for any of the tax they would have paid. But they didn't pay any way. Did this with another gentleman. We saved another gentleman, a $750,000 of tax. Another couple. They were both physicians. We They were gonna pay about 2.6 million in tax by stringing it out over their life expectancies with rmds. They had just under five million saved and and I said, Do you want to pay that much in tax and they said no, and their accountant said, Well, they could afford it and I go. Well, why don't you ask them what they would like to do? Well in that situation. We couldn't save them 2.6 in tax, but we saved them 1.2 million in tax. And so we were able to redirect that 1.2 million of otherwise Babel tax into a trust and that funds college education, religious missions, military service all kinds of things for their grandchildren. Great grandchildren into perpetuity Based upon that, generating about 100,000 year of cash flow out of the laser funds in the Trust for forever, Okay, because they keep taking that and every time the older oldest trustee dies, and then it goes into a laser fund on the next one. And and so it keeps blossoming. This is this is called a family bank. I called it a family bank. So anyway, The point is, we were able to establish a family bank with 1.2 million That was otherwise gonna go down the drain in unnecessary income taxes. If they follow the herd and had an inept accountant continue to tell them toe. Oh, just keep stringing it out and take rmds. VOCs Way, took one couple in California with their advisor from a the highest tax bracket because California has the highest state income tax write, and we took him from the highest tax bracket bracket down to a 0% tax bracket in five years. Now, we can't do that with everybody, obviously, but But the point is this. So you need to learn how to redirect otherwise, people taxes to causes you support. And if you're sitting here, listen to me, and you don't have a form when K. Way to go. You don't have to an untracked yourself. You can start out doing it the right way. And I would recommend you put money. Not into a Roth. I don't think you should put money into municipal bonds. I would recommend you investigate a laser found it is the only vehicle On like I call it the laser fun because laser is an acronym that stands for liquid assets safely earning returns. What is the laser fund? It is a max funded tax advantaged insurance contract. My favorite by far are indexed universal life insurance contracts because those have allowed me to earn an average since 1980 for the last.
What Was The Westward Expansion?
"Today we're talking about westward expansion. Yes earnings comforting. Yes in the united states yes so in eighteen zero three president. Thomas jefferson bought the territory of louisiana from the french government. For fifteen million dollars. This was known as the louisiana purchase. That was a lot of money back then. It was a ton of money. I wonder what it translates to today. Do that just curious know sure. It's like billions of dollars. Yeah so that. Land stretched from the mississippi river to the rocky mountains and from canada to new orleans so that like mid section it doubled the previous size of the then young united states and as as soon as jefferson signed the treaty. He sent the explorers lewis and clark to find a route to the pacific ocean. Many other explorers made the journey as well and so began the expansion of the country to jefferson. Westward expansion was the key to the nation's health. Jefferson believed that a republic depended on an independent virtuous citizenry for survival and that independence. Virtue went hand in hand with landownership especially up small farms. He wrote quote those who labor. The earth are the chosen people have gone. Wow yeah it doesn't correlate to me but okay yeah right so you're virtuous visuals and land or work. Yeah ok you work. Land make something from it. Honest work i suppose. Yeah if you're thinking kind of thing you take away like what we know about him. I'm think stop thinking of him as a person and the right he wanted the country to expand. And i think he planted the seed for the pioneers. Till i look you know you can go right. Make something something for yourself. Yeah so in. But in order for jefferson's dream for the country to come to fruition expansion had to happen so he maybe the country the dream of the country came first. And then thought okay. I need to have more land People to do So while the westward expansion is one of the defining themes of the nineteenth century american history. This growth was certainly fraught with struggle and won't get into that way by almost about forty years later. Nearly seven million americans forty percent of the nation's population now lived in this area. Well they know that way from eight eighteen three from eighteen hundred eight forty k. So pretty quick. Wake seven million. That's pretty big. Most people left their homes in the east and followed lewis and clark across the country as promised they were searching for economic opportunity like jefferson. Many of these painters believed that they would find land to farm trusting that ownership would lead to freedom in nineteen eighty five. Sorry wow a lot in eighteen forty five. A journalist named john o'sullivan put a name to this idea. That helped pull the pioneers to the west. He said that it was americans. Manifest destiny to carry quote the great experiment of liberty to the edge of the continent. O'sullivan wrote that. The survival of american freedom dependent on it and it was their duty to quote again Overspread and to possess the whole of the land which the providence has given us an quote the providence of meaning. I think the providence of light. What they were given like the land that was before them. It's here so is ours to take. Even though it wasn't i mean. Is that kinda what they get this kind of the way. I remember from Es three class and talking about manifest destiny asked yeah so this became a widely held cultural beliefs which carried the following themes the special virtues of the american people in their institutions the mission of the us to redeem in remake the west in the image of the east and an ear irresistible destiny to accomplish this essential duty so was disappointed was so arranged of area. Right ideas are planted in their head. Like if you go out there you will make your money. you'll survive you'll be happy. Happiness is just. Yep exactly yeah you'll have your own lambs have all the freedom that you'll have yeah So that term became controversial. You know throughout time. Meanwhile meanwhile while this kind of happening the question of whether slavery would carry onto to the west was at hand around this time. The missouri compromise was made which attempted to resolve the question of whether or not slavery would be allowed in the new western states That the louisiana purchase sort of like you know was responsible for create Them so this whether slavery would be in. These new states shadowed almost every conversation about the frontier. The compromise admitted missouri to the union as a slave state and may had to change main to a free state had they needed to have. They had to preserve the fragile balance in congress between us owning states in nonstop hunting state. Yes i say. I'm surprised that main was asleep. At i mean because she just think of the south. But i know. I'm know an i don't really know actually slave-owning or they like the changes such. Yeah just to keep that the same number okay. Half-and-half just have to say i know going. Forward as policy was made progressing through that it was always taken into account those southern states or the slave owning states. How making sure that they get what they want. It always had to be part of the conversation. Yeah it's crazy for another strong decade. A yeah i think even on that of course of an attorney but while they're formation was been the biggest conversation sure. Oh yes right. See that the okay. So the missouri compromise also stipulated that slavery would be prohibited north of the southern boundary of missouri. So the the thirty six degree latitude line okay It couldn't be north. Slavery couldn't be north of that but missouri was north of that so i think like after missouri said that they were going to be a slave. Nobody else could that was it. Yeah grandfathered in so many. Many thought of sullivan's manifest destiny was a secret term for spreading slavery. Really yes who thought that the people that wanted slavery or did not want to read. You know the people in the north okay. They thought it was. They thought it was like a secret term for light taking it over there. Really conspiracy theory Despite the many conflicts Far more complicated detailed for wondering really what. Everybody's wondering about the food. Because that's what i talk about sure. That's what we're here for
"rocky mountains" Discussed on KGO 810
"In the base of the majestic Rocky Mountains. This show is about empowering you people and organizations that want to optimize their assets, minimize taxes and empower they're authentic. Wealth. Folks, you may be aware that I have a YouTube channel. It's called three dimensional wealth. It's free on when you subscribe. I actually post an in depth answer to a specific financial question almost daily. And recently I answered these two questions because they have been asked more than 100 times a month for the last several months. Question number one. Should you take a lump sum pension offer when you retire, and then next, I'm going to answer the question. Where's the best place to put your emergency fund? That is not where you think it's not in banks or credit unions with the drive up window, Okay? So let's go back to this lump sum pension offer many times, people approach retirement, and they look at their options when they are about to retire. If they're a schoolteacher, a police officer, What have you Or sometimes an employer will allow you to take a lump sum or you take you take this huge lump sum out of the company's retirement plan, or even maybe a 401 K. Now, folks, I'm going to give you some criteria to determine. Should you take a lump sum pension offer if they give it to you, or any lump sum that you may receive a windfall as settlement from a car accident. I don't care what it is now is dependent on a few factors, and it's a very simple formula. But many times when you are offered a payout, Okay, This is usually during your lifetime. That's ah l life expectancy. And so what you want to do is compare the guaranteed monthly income throughout your life. To where that money if it was paying out 67 or 8% annually, which one is more and also which one will leave behind more to your heirs so many times when people are about to retire. Ah, in the state where you live, and generally, for example, school teachers will have the option of taken maybe a lump sum or you can have a set income. And let's say that income. Uh is, you know, $3000 a month or $5000 a month or what have you based upon the years of service? Now many times. That is an income that will last throughout your lifetime. If you only live one year, it's over. Okay, You cannot leave behind anything left over because when you add up What That income is over your L E. It's really like a 234 $500,000. Maybe even a million dollar asset And normally somebody will say, Well, that's how much that income they take the monthly income on the pension. Time to buy 12 months and times it by your life expectancy at 8, 65 8, maybe 20 years or 22 years or something, and they go Look at this asset. It's it's nearly a million bucks. Would you like to share that asset with your spouse? If you happen to die early Well, of course you go. Well, yeah, I guess so. And then they proceed to sell you one of the most expensive life insurance policies you'll ever acquire, but they disguise it. They don't call it a life insurance policy. But what happens is you then will give up a certain amount of your monthly income. So instead of getting, you know, 5000 month or what have you and may go down to 4500 month or whatever. So you're giving up several $100 a month or even $1000 a month in order to have a survivor benefit. That's 100% Survivor benefit to where If you die, your spouse will continue to get that same income for as long as they live. Now, if your spouse pre decease is you generally Then you cannot name a new spouse. If you got remarried as that beneficiary, it's done. Okay, So the asset is gone after both of you pass white, no matter who passes away first when you're both gone Sometimes they will say, Well, if you want a little bit more income you could leave behind 50% to your spouse and so forth. So sometimes there's like six different options. When people would come to me. Generally, I would look at what they were going to receive in a monthly income. Look at their life expectancy and times that out and then look at the lump sum option. So let me simplify this. Let's say that somebody could get a lump sum of $250,000. In lieu of getting $1650 a month for the rest of their life. Now you could take 1650 a month times, 12 months and times it by the number of years that they think they may live and and so forth. But no, it is really Well, if I had $250,000 in a conservative repository that I could get an 8% pay out very predictably. So 8% on 250 grand is $1666 a month, so that's only 16 more dollars a month. But here's the kicker. If I have 250 grand in my favorite vehicle, the laser fund then 8% payouts are very predictable. Sometimes even nine and 10% pay out. But let's just say 8% pay out. So I have basically the same amount of money $1666 a month. But here's the difference at the end of the day. Whenever I pass away in that situation, whatever still remains transfers to your spouse, your Children, your errors, a church, a charity, whoever you want. If you have a defined benefit pension, it's over. Especially even if you name a survivor benefit. When both of you were gone, there was nothing left behind to anybody. The laser fund often will blossom to a much greater sum when you die. So I could have $250,000.8 percent is not depleting the principal. And when I die, the 250,000 maybe blossom to 303 154, 105 100,000 and transfers tax free. There's not a pension around that does that and people say Golly, I've never heard of this. Well. This is why we teach these educational webinars. And this is why I've written many, many books to show you better alternatives to receiving Just a payout on a lump sum. Get the lump sum working for you and you get the same income or maybe more. But the kicker is at the end of the day, You'll still leave behind that asset instead of it being washed away at death. This is also true in answering the question. Where is the best place to put your emergency funds now? I would strongly recommend that in the event of a new emergency, you get laid off. You get sick. You get disabled. Whatever the emergency is that you have at least six months of income that is very, very liquid that you can tap into. I would recommend if you can tow have nine months to a year's worth of income. So let's say that you could get by if you had to be five or $6000 a month. You know, $5000 a month is 60,000 year. You want to have an emergency fund of at least 60 grand. Where you could survive. If you had that available to you. Now, most people think that the quantity means it's convenient. They get that confused. So they think an emergency fund should be at the bank down the street on the corner because it has a drive up window. You know, if we really get into trouble in this country banks credit unions could say sorry. You cannot access your funds for six months of things got really bad. Okay, Now I know they have FBI see insurance of banks and so forth. And yeah, and the government can raise taxes. They can do all kinds.
Man who found Forrest Fenn's famed treasure reveals identity
"So in an episode over the summer i talked about the treasure which had finally been found by an anonymous treasure hunter in june and after being adamant that he never wanted to reveal his identity. The finder of the treasure chest has just gone public blowing. The lid on most of his secrets in an article written by a fellow treasure hunter. In outside a quick recap though forest finn was an air force pilot who later opened an art gallery in santa fe new mexico one filled with plenty of forgeries as arts as tried to do people unclear in nineteen eighty eight. He received a terminal cancer diagnosis and decided to hide treasure chest in some outdoor location for people to find but then he recovered from the cancer. Still he didn't wanna give up on his treasure hunt idea so fast forward to two thousand and ten when quoting outside thin treasure chest containing gold and other valuables estimated to be worth at least a million dollars somewhere in the rocky mountains not long after he published a memoir called the thrill of the chase which included a mysterious twenty four line poem that if solved would lead searchers to the treasurer fended suggested the loot was secretive. Way at the place where he had envisioned lying down to die back when he believed his cancer diagnosis terminal since the hunt began in two thousand ten many thousands of searchers had gone out in pursuit at least five of them losing their lives in the process and the chase became an international story and quote. And yeah i mean the whole thing really has been a wild story people have lost their lives and livelihoods there have been countless lawsuits. You can read all kinds of articles about that have been published over the last ten years leading up to this year when in june the treasurer was finally found and the man who found it decided to stay anonymous because he knew how intense the community of treasure hunters is any feared for his safety but then quickly announced that he had met the winner and verified. He indeed had found the chest the to also decided to keep the location a secret so that it wouldn't become a kind of tourist site where people might injure themselves getting there were risk damaging the nature around it but all of that anonymity lack of closure did not sit well with people who had dedicated years of their lives to finding the treasure there was instant suspicion and then in september fourth fin passed away. The one man who could maybe smooth things over was gone and those left behind were even more dedicated to making sure. His wishes were upheld. With all of that has come a number of court cases in particular one from a woman claiming that the finder of the treasure hacked her emails to steal part of the puzzle that she herself had solved. She doesn't seem to have too much of a case however since she thought the chest was in new mexico and it turned out to be in wyoming but the case is still proceeding in the winner knew that his name would be released to the public as it goes on so he decided to preempt that by outing himself on his own terms the winner. Is jack still a thirty two year. Old medical student originally from michigan. He's keeping as many personal details as possible under wraps to protect his privacy but he does have a bit of a digital paper trail before to med school. He worked briefly at the onion and as a freelance writer. In fact he is the guy who wrote that totally inaccurate article eight years ago trying out matthew inman of the oatmeal as a far right wing. Republican in article buzzfeed had to issue a public apology for and which. I didn't realize until today that i still believed even after meeting matthew in minutes out by south west that same year back in two thousand twelve and discovering that he was a super nice guy. I still thought. Oh but some article made it. Seem like he secretly a jerk. I wonder if that's true. Which is a lesson for me in media literacy and not believing everything that i read especially when it seems pretty off base but also for all of us that no matter how many corrections or apologies you might issue online. There will still be tons of people who only ever see the mistake. That's a lesson that jack stiff learned early on in his career as a comedy writer and is probably part of why he has taken so many pains to remain anonymous in the case of backlash to him finding the prize. If and win all the court cases die down. What will still do with his findings. What does one do with an actual. The goodness treasure loaded up with jewels and artifacts. Stuff says he'll use it to pay off his student so yup the most accurate millennial answer possible to coming into unexpected fortune of. I still have to get the chest appraised which he hasn't done yet and between fins knack for forgeries and his wish that part of the chest displayed publicly so people can visit it. Who knows how much stuff will actually end up getting for all of his efforts but we finally have a few more pieces to the story. If you want to learn more keep an eye out for a book coming out next year called chasing the thrill written by daniel barbara. The writer and fellow treasure hunter. Who got checks to to go public
Gas stoves can generate indoor air pollution
"I'm dr anthony leiserowitz and this is climate connections about one third of. Us residents are cooking with gas natural. Gas stoves are common but research shows that they can pose. health risks. Brady seals is with the rocky mountain institute and environmental think tank. She has natural gas. Stoves can produce toxic indoor air pollutants such as nitrogen dioxide which can harm people's lungs and carbon monoxide many of these same pollutants that we find from our car. Tailpipes are also omitted from our stove. When we're cooking. She says the federal government does not regulate indoor air quality but when people use gas burners ovens simultaneously the indoor air pollution can rise to levels. That would violate outdoor air standards. People smaller homes and older appliances are the most at risk so seals recommends using electric stoves. Instead when you switch to electric you can eliminate some of this potpourri of pollutants that comes while cooking in many parts of the country. Electricity is produced using fossil fuels but seal says that as utilities transition to more wind and solar electric stoves will increasingly run on clean. Renewable energy so cooking with electric will be healthier for people and the climate
"rocky mountains" Discussed on The Hull Show ? 1310 KFKA
"No Rocky Mountain showdown man. What's what's going on in the world of college? Football or college? Sports in general I should say. ESTA people paid attention by the way. I'm coming to you from the most inappropriately named town in the United States America Liberal Kansas. Think about that for yeah, yeah, that makes. As you know I'm pitching coach for the really grazing. You're you're you're? You're playing the three game series and liberal, and we'll be back. Thursday Nelson Farms if people want to come and watch US play. Man wholesome anyway because we don't get to watch rocky mountain showdown, there's a segue by the way now I don't get to watch and I told you that I wrote in May, I wrote in the middle of May. There would be no rocky mountain showdown this year, and that is a big victory for Carl. Durell now no college football coach got the shorter sticks from this code thing called Terrell. He comes in late 'cause Mel Tucker decisions. He doesn't get spring. Valley barely gets to meet. His players gets I mean he got. No breaks at all from this right? And so this is an opportunity to break because people. Oh, the buffs are better. You know on paper you better, but it's your quarterback issue as a better receiving core right now see. She was going to have home field advantage for the first time ever in this game. There's no way Colorado comes in prepared to this game the way they normally would, so it's a big. Big boost call now. If you play this game, it's he doesn't WanNA play the game the first place so any opportunity to not play. With them yeah, I agree with you one hundred percent. This is huge for you because I had issue winning this game I. don't say like easily, but I didn't think they'd problem. Even though both coaches are new, but established quarterback means a lot in football as long as you have that, and maybe he's not established, but he's more salvage must see you has so. Go Go ahead mark. No, you're right and dog. You remember got a couple of weeks of spring ball before any longer before the pandemic shut everything down, so he did have any chance, even though he said he's I got yeah. Yeah, no, so that I mean there's no doubt on that side. It makes sense for C. You. How about the rest of the pack twelve though? A lot of people are saying. Hey, see us going to go to go to Arizona this year a few weeks after that and that's going to be fine, but not they're not gonna be able to go forty five minutes north. It's not about traveling. It's about flexibility in scheduling. It's about having been able to move games around if games get cancelled, if see you and tissue game gets cancelled, and then they have to try to play the time. Opening, on their schedule. So! Confidence came. They control their conference scheduling. They can move games around. They're probably going to play games or maybe ten and have weeks. They're to move games. If there's a problem, a couple of test, positive and somebody needs to shut it down now. They can do this. This is just all about the cops. Taking control their own schedule. Big Tend to in the same thing. It's just a controlling all that. as opposed to worry about the travel which Magin, they would be able to do I mean. Most of the teams travel very far for non conference. Games big ten team. Some do some don't but for the most part Yeah it'd be easy for you and tissue to play from logistically, but if PAC twelve feels like they need to moving back a couple of weeks or a month and see if she doesn't have an opening then. How do you risk that game? So I think that's what it's all rows in the distance travel. Yeah, well and also if you say okay well PAC twelve, you can keep your non conference games if they're within your state. Then that becomes Kinda hazy to, and if they if they see you play that game against cs you then. They're going to have to do a for everybody. Then it's Kinda like what was the point in the first place. Here's another thing. With Notre Dame. Notre Dame. Couldn't. Stanford. And and USC both have no imminent schedule. What what? What would you be shocked in the PAC bill? Made Exceptions Notre Dame, which would drive PSU Fan. So. I would miss surprised. That happened He's in the same boat with what you're gonNA. Do because they don't this schools who really outgoing? Hanging out there brees. It's can't play conference game yeah. So I mean if I mean again, I've always been frustrated with the the independence. It drives me crazy when you look at Notre Dame and I. Get it. It's a lot of people really love it especially if you're notre dame fan, but. This just again. I know this is the most crazy of examples will ever have with corona virus, but it's another example of why this doesn't make any sense to me in the world of college football. Yeah in the on Sundays College football. You're absolutely right and think about this. There are changes are going to be happening in the landscape. I wrote about this new three strikes blog this week so going to be monumental changes in baseball. They're going to be permanent from that. It's GonNa happen a lot of different things. There's a lot of things that that we go through this. You know fly road on the DOT COM that media availability that we've kind of taken for granted. These years is now obviously. Much more regimented. It's virtual and all that that may be permanent. Do Yeah, let me be allowed things permanent about this, but you're right about the independence. At some point, it won't be like that. Did you see that forty wrote in sports illustrated last week? The redoing ten major conferences read. It was brilliant. People have. DOT, com He reads structure in in the rocky. Mountain Conference. USA Issue Wyoming Air Force. Boise state and it was really good as look at it. It's really GonNa be a competitive football. It'd be great at that actually happened, but that's the only way we get hit this because right now. Notre Dame the motive motivations are not to join the conference. We'll be while you probably would. If they had the Opportunity Win, the PAC twelve notre dame can stay arrogant as long as they want. As long as people come to them to play game. Yeah, no, it. It's going to be very interesting to see how everything is kind of rework. We've set it on the professional side. What how this is all going to work out, but yeah I'll be very curious to see. What long term you know situations come out of this ramifications, come out of all of these restructurings and rescheduling. What bothers me the most. Is the idea moving college football's the springs which being that Horley terrible idea, urban Meyer the best you don't put you. Don't play two thousand reps, and then two months off and.
"rocky mountains" Discussed on KGO 810
"At the base of the majestic Rocky Mountains this show is about empowering people and organizations that want to optimize our assets minimize taxes and empower their authentic well folks this is very important I want you to listen carefully to me during this segment and the next if you have money in the IRA's and four oh one K.'s and they are in the market and you have been concerned maybe even paralyzed to be because of the whipsaw action going on in the market where the market has been going up and down it's been topsy turvy let me show you how to take advantage of opportunities this is not about me this is about you your opportunity to be able to position yourself and take advantage when there's anxiety there's opportunity as my friend Richard Rossi says so listen very close if you have money and I arrays for when Kay's yet to be taxed accounts and that you have been thinking well I'm going to continue to differ and tell I retire or Intel I am forced to take it out when I'm seventy and a half now it's eight seventy two based upon the new rules and then take R. M. D.'s required minimum distributions you listen very close because I don't want you to miss out on this opportunity to get your taxes over and done with sooner than later and likely the lowest bracket you will ever ever be in and that values at that are probably lower than they are ever going to be in the foreseeable future so let me frame this for you and I will give you some actual examples of why now is a huge opportunity to get taxes over and done with based upon your particular scenario there's a lot of things going on right now and we're all a nervous because of the various things that affect the market could rotavirus and and the the political environment and so forth but when the market begins to take a nose dive in people panic I remember back in nineteen eighty seven I was out and about enjoying the nature the morning when the market dropped the the greatest single day drop ever up until that point since the Great Depression and now it recently we have had the market drop as far as it did back in nineteen eighty seven and can I tell you back in nineteen eighty seven I did not feel like I had to rush back to my office to field at three hundred five hundred phone calls from people panicking because they had lost a twenty eight thirty thirty three forty percent or whatever in the value of their ire razor for when Kay's which none of my clients had that money in the market because I did not have their money in I. arrays of four oh one K.'s being deferred to some future perceived unknown advantage and then I take out the money down the road when we're all convinced taxes are going to be higher in the future and so I've been talking about this a lot on this three dimensional wealth radio show why would you ever want to continue to defer taxes on future perceived unknown advantage and then withdraw your money down the road when basically I ask people how many of you feel like taxes are going to be lower in the future nobody raised their hands in the audiences that I teach and speak to across America when I asked how many of you think taxes are going to be the same very few people raise their hands but when I asked how many of you think taxes in the future will likely be higher effect a lot higher and a sea of hands goes up and frankly the Congressional Budget Office says that in order to meet the federal deficit and cover all the initiatives in my head events if some of that the new candidates who are proposing all kinds of wonderful ideological ideas they say that taxes will have to go up dramatically from an average less than thirty three percent up to fifty percent up to sixty percent for many people who maybe live in California where the California state tax on top of the federal tax as many people pay more than forty percent already that's going to go up to fifty and sixty percent or more as a why do you want to continue to differ you want to get taxes over and done we have to sooner than later and if you're going to pay tax why not pay the tax when your account value is down thirty or forty percent because you will save I'll be a hundred hundred fifty two hundred thousand dollars of unnecessary tax by doing that reposition that money into something that's going to be tax free from now on my favorite vehicle is what I call the laser fund and if you stay with me I will share with you why that is tax free but even at a minimum you want to convert and and roll over to a Roth get the taxes over and done with and I want to give you some actual numbers and examples because you want to take care of taxes now because the current tax rates under the trump tax cuts are not gonna be around forever you and I know that and so you want to consider what I call a strategic role not get your money rolled out not rolled over rolled out get the taxes over and done with when the account values are lower and taxes are lower so that your tax free when the market comes back and now you have regained your values tax free and when taxes go up you're gonna save a grown adult in taxes and you want to re position that serious money into vehicles and strategies that when the next market crash happens you will not lose you cannot believe how many advisors I know asset managers that were filled in over three hundred pen make phone calls a day when the market dived is several times you guess how many phone calls and the financial advisors I got from clients that I point my students to zero nobody called because nobody lost when the market went down and I want you to stay with me to understand why they didn't lose and when the market comes back they start making money again immediately this happened back in two thousand eight in two thousand eight most Americans lost forty percent that year our clients I didn't lose a dime due to market volatility my heavens they may not have made it very much but they didn't lose and the first ninety days of two thousand nine most of our clients locked in gains of sixteen percent tax free the first ninety days after not losing a penny most Americans took until two thousand twelve to make back the money they lost in two thousand eight it took four to five years to make it back and so I don't want you to lose the next time this happens because it's not a matter of if it's when but I want you to understand that if you'll have it I'll I'm going to in the next segment I give you an actual example and you can interpolate or extrapolate from my example of somebody who has let's say nine hundred thousand dollars in I reserve for when gays in the market and maybe they saw that nine hundred thousand dollar value that they may have had in February I drop down to six hundred thousand because many people lost thirty three percent at one point or another so let's say the nine hundred thousand goes down to six hundred thousand would you rather pay tax on nine hundred thousand or would you rather pay tax on six hundred thousand you cannot believe how many people buy into all I'm just going to hunker down I'm I'm gonna wait until I get back my my three hundred thousand that I lost I'm gonna wait till we get back to the nine hundred thousand again and then you start thinking about okay now I gotta pay tax I'm about ready to retire well why didn't you pay tax when I was only worth six hundred thousand and then re position the net after tax money into something that's going to be tax free from now on and when taxes go up you will say maybe a hundred a hundred and thirty a hundred and fifty thousand of unnecessary tax I can prove this to you would you like to save a hundred and fifty thousand or maybe a quarter of a million dollars of unnecessary tax by doing what I'm talking about because it's just a matter of time taxes will be going up we all all know this and so if you're gonna have to pay tax let's pay of the lowest amount to lower his value is and the lowest tax rates possible and then avoid the topsy turvy market volatility that causes these losses in the first place the next go around I wish I had more time in this segment but join me for the next one but if you've got to go and you want to learn we are teaching a free educational webinars and this weapon are going to be tied to this coming Wednesday now we have not done this webinar B. four this is talking specifically about what I've been sharing with you this unique opportunity where you can learn is it wise to go ahead and pay tax on some of my eye a reason for when Kay's well values are lower and reposition that money into something is going to be tax free from now on and protected from market volatility so we are dedicating ninety minutes to an educational weapon are this coming Wednesday and if you live in the greater San Francisco Bay Area please join as we have never done this before and you will see some actual examples and how you could say possibly a hundred and fifty thousand maybe a quarter of a million dollars on every million you have drafted I reserve for when Kay's when you attend this webinar I know you're serious about learning and you will be given the opportunity to receive absolutely free a copy of our most recent best selling book the laser fund it has over three hundred pages of information two hundred pages comprised of fourteen chapters with charts graphs and explanations and then you flip the book over and we have another hundred pages twelve chapters was sixty two actual client stories join.
"rocky mountains" Discussed on KSFO-AM
"At the base of the majestic Rocky Mountains this show is about empowering people and organizations that want to optimize our assets minimize taxes and empower their often take well folks this is very important I want you to listen carefully to me during this segment and the next if you have money in the IRA's and four oh one K.'s and they are in the market and you have been concerned maybe even paralyzed to be because of the whipsaw action going on in the market where the market has been going up and down it's been topsy turvy let me show you how to take advantage of opportunities this is not about me this is about you your opportunity to be able to position yourself and take advantage when there's anxiety there's opportunity as my friend Richard Rossi says so listen very close if you have money and I raise for when Kay's yet to be taxed accounts and that you have been thinking well I'm going to continue to differ and tell I retire or Intel I am forced to take it out when I'm seventy and a half now it's eight seventy two based upon the new rules and then take R. M. D.'s required minimum distributions you listen very close because I don't want you to miss out on this opportunity to get your taxes all over and done with sooner than later and likely the lowest bracket you will ever ever be in and that values at that are probably lower than they are ever going to be in the foreseeable future so let me frame this for you and I will give you some actual examples of why now is a huge opportunity to get taxes over and done with based upon your particular scenario there's a lot of things going on right now and we're all a nervous because of the various things that affect the market could rotavirus and and the the political environment and so forth but when the market begins to take a nose dive in people panic I remember back in nineteen eighty seven I was out and about enjoying the nature the morning when the market dropped they the greatest single day drop ever up until that point since the Great Depression and now recently we have had the market drop as far as it did back in nineteen eighty seven and can I tell you back in nineteen eighty seven I did not feel like I had to rush back to my office to field at three hundred five hundred phone calls from people panicking because they had lost a twenty eight thirty thirty three forty percent or whatever in the value of their ire razor for when Kay's which none of my clients had that money in the market because I did not have their money in I. arrays of four oh one K.'s being deferred to some future perceived unknown advantage and then I take out the money down the road when we're all convinced taxes are going to be higher in the future and so I've been talking about this a lot on this three dimensional wealth radio show why would you ever want to continue to defer taxes on future perceived unknown advantage and then withdraw your money down the road when basically I ask people how many of you feel like taxes are going to be lower in the future nobody raises their hands in the audiences that I. T. gia and speak to across America when I asked how many of you think taxes are going to be the same very few people raise their hands but when I asked how many of you think taxes in the future will likely be higher in fact a lot higher and a sea of hands goes up and frankly the Congressional Budget Office says that in order to meet the federal deficit and cover all the initiatives in my head events if some of the the new candidates who are proposing all kinds of wonderful ideological ideas they say that taxes will have to go up dramatically from an average less than thirty three percent up to fifty percent up to sixty percent for many people who maybe live in California where the California state tax on top of the federal tax has many people paying more than forty percent already that's going to go up to fifty and sixty percent or more as a why do you want to continue to differ you want to get taxes over and done we have to sooner than later and if you're going to pay tax why not pay the tax when your account value is down thirty or forty percent because you will save I'll be a hundred hundred fifty two hundred thousand dollars of unnecessary tax by doing that reposition that money into something that's going to be tax free from now on my favorite vehicle is what I call the laser fund and if you stay with me I will share with you why that is tax free but even at a minimum you want to convert and and roll over to a Roth get the taxes over and done with and I want to give you some actual numbers and examples because you want to take care of taxes now because the current tax rates under the trump tax cuts are not gonna be around forever you and I know that and so you want to consider what I call a strategic role not get your money rolled out not rolled over rolled out get the taxes over and done with when the account values are lower and taxes are lower so that your tax free when the market comes back and now you have regained your values tax free and when taxes go up you're gonna save a grown adult in taxes and you want to reposition that serious money into vehicles and strategies that when the next market crash happens you will not lose you cannot believe how many advisors I know asset managers that were filled in over three hundred pen make phone calls a day when the market dived is several times you guess how many phone calls at the financial advisors I got from clients that I point my students to zero nobody called because nobody lost when the market went down and I want you to stay with me to understand why they didn't lose and when the market comes back they start making money again immediately this happened back in two thousand eight in two thousand eight most Americans lost forty percent that year our clients I didn't lose a dying due to market volatility my heavens they may not have made it very much but they didn't lose and the first ninety days of two thousand nine most of our clients locked in gains of sixteen percent tax free the first ninety days after not losing a penny most Americans took until two thousand twelve to make back the money they lost in two thousand eight it took four to five years to make it back and so I don't want you to lose the next time this happens because it's not a matter of if it's when but I want you to understand that if you know habit I I'm going to in the next segment I give you an actual example and you can interpolate or extrapolate from my example of somebody who has let's say nine hundred thousand dollars in I reserve for when gays in the market and maybe they saw that nine hundred thousand dollar value that they may have had in February I drop down to six hundred thousand because many people lost thirty three percent at one point or another so let's say the nine hundred thousand goes down to six hundred thousand would you rather pay tax on nine hundred thousand or would you rather pay tax on six hundred thousand you cannot believe how many people buy into I'm just going to hunker down I'm I'm gonna wait until I get back my my three hundred thousand that I lost I'm gonna wait till you get back up to nine hundred thousand again and then you start thinking about okay now I got to pay tax I'm about ready to retire well why didn't you pay tax when it was only worth six hundred thousand and then re position the net after tax money it is something that's going to be tax free from now on and when taxes go up you will say maybe a hundred a hundred and thirty a hundred and fifty thousand of unnecessary tax I can prove this to you would you like to save a hundred and fifty thousand or maybe a quarter of a million dollars of unnecessary tax by doing what I'm talking about because it's just a matter of time taxes will be going up we'll all know this and so if you're gonna have to pay tax let's pay it at the lowest amounts lowers values and the lowest tax rates possible and then avoid the topsy turvy market volatility that causes these losses in the first place the next go around I wish I had more time in this segment but join me for the next one but if you've got to go and you want to learn we are teaching a free educational webinars and this weapon are going to be taught this coming Wednesday now we have not done this webinar B. four this is talking specifically about what I've been sharing with you this unique opportunity where you can learn is it wise to go ahead and pay tax on some of my eye a reason for when Kay's well values are lower and reposition that money into something is going to be tax free from now on and protected from market volatility so we are dedicating ninety minutes to an educational weapon are this coming Wednesday and if you live in the greater San Francisco Bay Area please join as we have never done this before and that you will see some actual examples and how you could say possibly a hundred and fifty thousand maybe a quarter of a million dollars on every million you have drafted I reserve for when Kay's when you attend this webinar I know you're serious about learning and you'll be given the opportunity to receive absolutely free a copy of our most recent best selling.
"rocky mountains" Discussed on 860AM The Answer
"This is Doug Andrews speaking to you national audience for mark three dimensional well nestled at the base of the majestic Rocky Mountains this is about empowering you and organizations that want to optimize their assets minimize taxes and empower their authentic well folks you may have heard me share with you that I have a YouTube channel wary and I release an answer to a question we research questions that have been asked anywhere from thirty to three hundred times every month for the last several months and so I released an answer it's usually about an eight to twelve minute answer to these questions every single day and you're welcome to go to three dimensional well and that's my you tube channel but I've been asked this question my entire career Doug sometimes you talk about becoming your own banker or they say you know I've heard of Nelson Nash's infinite banking concept or I have a whole life insurance agent that is talking to me about becoming my own banker or Pamela Yellen and so forth so let me back up and share with you yes you can become your own banker and there's good ways there's better ways but I'm going to share with you the best way to become your own banker now why do you want to do this let me go back to what you can do with money Hey there's basically three maybe four things you can do with money you can spend it you can land it you can own with it or I guess you could give it away that would be the fourth now people when they come to my educational events they say Doug what do you do and I usually say well I own and I a loan on the same money and I get to sort of double dip in other words I have assets that I own it might be real estate it might be insurance contracts I have assets that I own but I loan on those same assets so many times I am able to leverage because there's three marbles or miracles I call them up of wealth accumulation number one is compound interest and it was Einstein that said that the eighth wonder of the world is compound interest but it was rough child is that no no no the eighth wonder of the world is compound interest tax free because you see a dollar doubling every period for twenty period will grow to a million Bucks if it's tax free if it's taxed as earned you pay taxes you go in a thirty three percent tax bracket it only grows to twenty seven thousand dollars not a million so that's why rock child said the eighth wonder of the world is compound interest tax free and so that a the second miracle is tax favored of tax free accumulation not just tax deferred because if you had a dollar double lane twenty times it would be worth a million forty eight thousand dollars but that's not all your money if it's a tax deferred IRA four oh one K. only about six hundred and fifty or seven hundred thousand of that is your money because the government has a permanent tax lien on that IRA or four oh one K. I would rather have a dollar double twenty times and have it be worth a million because this tax free when I take it out now the third miracle or Marvel is safe positive leverage and this is what makes the world go round this isn't anything new it's what the parable of the talents is about as far as I'm concerned in Matthew chapter twenty five of the New Testament or Luke nineteen the parable of the yacht pounds and this is where you can own or control assets with very little or none of your money actually tied up or at risk in that asset now this is where the mega wealthy people continue to get wealthy but let me give this caviar when you have leverage with out liquidity that is stupidity see the reason why people get into trouble is because they would leverage and they wouldn't have any liquidity in case some emergency happen to the market went down or supply and demand changed and so they couldn't sell their house or they lost their job they couldn't bar the equity of their house and the they proved that good and they don't have an income so they lose our home and for closure and so they put leverage no what got him into trouble was leveraging without liquidity see people get all leveraged and they are all these properties I don't have any money at their fingertips any liquid cash so they can access with an electronic funds transfer or a phone call so when I own and alone on the same assets many times I have borrowed money and when you borrow to conserve not to consume it you were acting like a banker see a bank borrows our money when we collectively put money into savings accounts of banks it we are lending them our money it's in a loan to position and are they just benevolent institutions of pain as interest now what are they doing with our money well the last fifteen twenty years the banks borrow our money at let's say just a measly one percent so every million they borrow their pay in ten thousand a year in interest but they turn around and they take sometimes thirty to forty percent of their tier one assets and they invested into institutions that a rank six not just higher in safety than they are these institutions are multi trillion dollar insurance institutions many of which are rated triple a and many banks only rated triple baby that six not just difference in safety still they increase the safety and that without even linking to an index these banks can earn let's say five or four K. how much more is five percent than one percent of people go for now as either pay in ten thousand to borrow our money and they're earning fifty thousand tax free as how much force fifty than ten is five hundred percent more would you hire an employee for ten grand that made you an extra fifty grand yeah would you buy which machine for ten thousand that made you an extra fifty thousand that is called a five hundred percent return on employment costs or equipment cost so when we talk about infinite banking it was Nelson Nash I believe that was the brain child at first and he would use a whole life insurance policy that if you put money into the insurance policy to be used for living benefits now I'm all for that the most people that would come to me it wasn't primarily or only for the death benefit it was using tax free insurance contracts to overpay to over fun to maximum fun them according to the IRS guidelines so it turns into a cash cow and this was actually the brainchild of EF Hutton back in nineteen eighty and they came out with universal life and whole life had to sort of a step up the game and they had to become more competitive and so instead of just paying two and a half or three or three and a half percent interest many of those companies started to credit more like six seven or eight percent many of them have not been able to sustain eight percent and their demands but the concept is this if you have money and that insurance contract and you need to access money you can withdraw yet which is stupid because now you you sort of ruin your ability to put back as much as you withdrew but you don't have to do.
"rocky mountains" Discussed on 860AM The Answer
"Of the majestic Rocky Mountains this show is about empowering people and organizations that want to optimize their assets minimize taxes and empower their on ninety well well how do you approach your past present and future are you like uncle Rico are you like Napoleon dynamite so as I asked that question when it comes to how we approach our past present and future we have choices in how we handle our progress or lack there of my guess is that with all preferred to move ahead in life with consistent growth and abundance but that doesn't happen by chance we've got to take certain steps or will end up in that languishing along the way it's interesting that when I go to high school reunions or similar gatherings how many times people seem to be living their lives in the past and I snicker because many of them are trying to have a better past either they beat themselves up for mistakes they made twenty or thirty years ago or they hold on to their accomplishments from yester year they're looking backwards instead of forward and just like uncle Rico from the break out film of the early two thousand a pulley and dynamite now if you've seen that you know life is the stupidest movie I've watched a six to eight times right now you'll recall uncle Rico if you see it sitting on the front porch reminiscing about what might have happened it's a high school coach would have just put him in during the fourth quarter now you imagine they would have won that football game and then taken region and then state and he would have been recruited and gone on to win the NC double eight and then they would have made the pros and had a Super Bowl ring on his finger sitting in a hot tub with his soul mate instead he's living out of a van as selling plastic bowls Tupperware or whatever Napoleon dynamite on the other hand looks ahead to the future despite his current challenges he goes after what he wants supports his friends paved the road along the way helping him to run for student body president and in the end he finds the love he was looking for now which character do you find yourself resembling and how will that play out in your future now my good friend a strategic coach Dan Sullivan talks about how to determine a brighter future with an exercise he calls the quick thinker we love to do this in our family with our kids with our grandkids with our employees it only takes three or four minutes to fill out you simply take a couple of minutes and identified the future you want jotting down about three or four bullet points next you decide which part of the past guests to come along leaving the rest behind finally you utilize the present to make the best possible progress now when I did this exercise for my future I outlined that I want strong family relationships all of our families relationship with god to continue to grow my wife sherry and I just day in top physical shape and maintain good.