35 Burst results for "Seven Percent"
How Trump's signature issues are backfiring with the voters he needs to win
"Are officially two weeks from the end of voting and the twenty twenty election. We don't say election to anymore because voters across the country are already mailing ballots and heading to the polls today was the first day of. Early voting in the battleground state of Wisconsin you can tell from the footage it was chilly, and yet we saw long lines at busy polling places. We're also just forty eight hours from the final big set piece event of the campaign. The last presidential debate which will go on with the rule change. The candidates microphones will be muted while their opponent gives an initial two minute answer to each topic. Of course, they made that necessary change because the president is so compulsively antisocial that he cannot abide by just the normal give and take of conversation and debate the debate. This Thursday is hugely important for president trump because when you're far down the polls as he appears to be a chance to change the trajectory. That said it is also, of course, serious risk because we saw what happened last time. I'm not here to call out his lies everybody knows he's a liar but you I. I want to make sure. I. I WanNa make your accident. Can you let them finish her now? He doesn't know how to do that T- as. You pick. It. Be Surprised. By the wrong night at the wrong times and you agreed with Sanders. Valid is no manifesto. Mr Number two just lost the left number two. You just lost the left. You agreed with Bernie Sanders on a plan. If -solutely. Forgotten. How horrible that was my God. I put it out. My Mary. Well, that did not go over. Well, not only pulling immediately show the president lost the debate. If you look at, say the five thirty polling average that first debate on September twenty ninth and trump's coronavirus diagnosis, which, of course happened just a few days. Later they're kind of an inflection point after which he loses three more points. But here's the craziest thing during the turning the debate into this unwatchable cringe inducing boorish display actually arguably helped donald trump because keeping the focus on how just outrageously unlikable the president is is better than focusing on his actual policy positions as compared to Joe. Biden because he is even further behind on the issues. I, mean keep in mind. This is a very divided country right now we know that we know that polarization pretty much rules everything around us, and so a lot of the time when you ask voters about any specific issue, the results basically converge on whether or not you like Donald Trump right? And that is why this new pulling out today from New York, times colleges so striking. They asked voters about a whole bunch of issues. Some that are major news stories right now like for instance, another covert rescue package on that the polling shows an incredible national consensus in favor of a new two trillion dollar stimulus. Now, that comes as we learned today that Senate Majority Leader Mitch McConnell told the White House not to agree we deal was speaker Nancy Pelosi out the election because he's concerned about dividing his Republican conference. Voters overwhelmingly support a mask mandate fifty, nine to thirty, nine percent after watching the president who of course discounted the masks for months and made fun of people wore them fall ill with the corona virus and spend three days in the hospital. The Obama Administration, signature, legislative achievement, the affordable care act, which, of course. Trump back. Lawsuit is attempting to destroy right now in the Spring Gordon arguments week after election day that also comes out ahead of fifty five to forty. As does Joe Biden's current platform his plan to add a public health insurance option it would auto enroll people into it if they didn't have insurance and that has a whopping sixty, seven percent of voter support again. Twenty, five percent oppose those are big big spreads then. There are the issues that are less front of mine right now or at least getting less covers the climate crisis, for example. It's not exactly the top issue among national political talkers. The moment were really either the campaigns, and that's somewhat understandable the pandemic and the resulting economic devastation and yet. When you ask voters if they think a Biden administration should invest two trillion dollars in clean energy and other ways to help reduce the effects of climate change and reduce carbon emissions by a margin of forty points. They see s forty points on these signature tent pole. Climate Plan of the behind campaign in a country polarized is remarkable. Remember in the past debates, it was very clear that both trump and pence thought that fracking was going to be one of their best issues. It was like their their secret weapon I mean they were just talking of love fracking Americans love fracking. Let's FRAC every last Frankel Incheon this fracking country and it even put Joe Biden Kamla Harrison the defensive promising over and over that they book well, we don't have a thing with we're not gonna Ban fracking everyone knows fracking obviously track. Well, when it comes down to it, it's not even true. It's a wash. Voters are evenly split on one of the trump campaign's best issues thing they think is their wedge. No the fracking debate is actually largely about one crucial state Pennsylvania, where natural gases they may traders she but guess what a majority of registered voters in Pennsylvania oppose fracking according to CBS new Newspoll over the summer. So Donald Trump's ongoing negligent malignant incompetent managing the pandemic the disastrous conditions that the country eight million people fall into poverty and trump's personal odious nece are obviously the big things driving much of this campaign.
Joshua Coburn on How to Inspire a Positive Revolution
"Joshua Coburn back on DOSA leadership. Welcome. My friend. Glad to have you here. Honored to be back. Thanks again. I'm I'm super stoked has been way too long way too long and we were talking to six years I couldn't believe that I thought. Well, I'm even four three and six years. Yes so much. Yeah. Yeah. Absolutely. Just briefly mentioning the world's change lives have changed I mean it's it's crazy. Six years is is a long time for sure especially in this crazy digital kind of fast paced world that we've been dealing with the last several years I still feel like I've kind of obvious have kept pace with you with facebook friends. I've seen on TIKTOK. I've seen your kind of progression of you and your brand and one things can we have different is like you look like a completely different human being you look like. A beast, your monster, you're like workout. Your work regimen I, it's impressive to see how much your body has changed in six years. Yeah. Thank you. You know it's it's crazy to. Kind of that whole cycle is been interesting in terms of you know when we last spoke I was really focused on mental health and things like that especially with students. And when I would go and I would speak I get photos back of like those events which was awesome. But I felt like. I looked of like. A like a dad you know. A little bit of a gut like arms word anything major and I hadn't thought about like hitting the gym. In High School, but I realize you know part of. Good. Mental health good physical health, and if I'm not seeing that through than what kind of example am I? So yeah, it was it was time to step up my game. So I think maybe late two thousand. Fourteen fifteen it would be it'd be early, two, thousand, fifteen I started kind of stepping into that world Orrin. Weirdly, it didn't take long I ended up with a sponsorship from Supplement Company and just really dove. Headlong into that world. So it's been an interesting right to that you know to that end as well. It's impressive and I. did you change your diet? Much I mean I got the supplements sponsorship. So that was part of your Diet but did you change? How you what you were drinking I mean was that radical to Yes. But I did it over time because really when I started making that change, it was more initially mental. It was a matter of showing up be split, getting the job done and. Kind of heading home, making sure that I was on point to return the next day and as time went by, I started to see some physical changes and then it's like well okay. Now, I need to maybe adjust the food and I think a lot of people when it comes fitness. They try to they try to join the gym. You know try to change all their food all at once and they get frustrated because you know there are two weeks and they changed everything about their life. They're not happy and they're not seeing results either so I didn't approach it that way I didn't start changing my diet until a good eight or. Nine months into. Kind of my physical transformation or by my kind of. Focused to physical side of it anyway, and once I I. Really. Started thinking you know Ok food may maybe I'll look at food different. I just started with simple things instead of buying you know free frozen pizzas. By. One lesson throw Broccoli and that's how I slowly over time changed it. But yeah, I got to the point where I was. Essentially, show you know bodybuilding show ready. So I was you know five to seven percent body fat lean ready to rock and roll.
Procter & Gamble beats estimates as sales jump 9%, raises forecast amid strong demand
"Another company that is benefiting from people working from home. Uncle Sam is suing Google. We will get to that. We're going to start with consumer staples. Procter and gamble sales in the first quarter rose nine percent. The company raised revenue guidance for the full fiscal year and shares a proctor and up around one and a half percent, which is not a lot but just enough. That that sock is hitting an all time high. Yeah Outstanding Quarter largely of margin story on the outstanding part. Know, they sold seven percent more in terms of volume about nine percent total. So that's not extraordinary but it's it's good in this. In this economy, people are cleaning both their their homes and their themselves more actually and who the thing that proctor and gamble has going for it is that it is I think the best margin quarter that I could find a over the last fifteen years. So it is not forced into discounting right now the. Promotional sales at it has to make people are still going to the stores painful price for a lot of a lot of their goods, and they are not in the position where they have to raise salaries the moment or. You know they've done very well at keeping costs down so Between those two being able to charge what they want to charge for their products. And doing it more efficiently. A great quarter. Greg, quarter and if they're not spending more money on salaries John Muller, the operating officer and the CFO. Admitted very clear. They are going to be spending more on marketing because they. Look at the current environment. Look proctor and gamble they sell stuff all around the world but North America is their biggest market and I think they're looking at the numbers of how many people are. Spending time on screens. And they're saying to themselves. Yeah it is a good investment for us to. Start ramping up our marketing. Yeah they are spending a lot of time on screens not necessarily. On the screens and where the ads traditionally been, which would be TV ads more people are. Watching watching Netflix, watching things on the video recordings and just skipping through the AD. So it's more and more online. Advertising and. More is coming a sense everybody. Will Be. locked inside for. Another couple of quarters.
US home construction up 1.9% in September to 1.4 million
"Home construction rose almost two percent last month the commerce department says home construction rose a solid one point nine percent at September that's after a drop in August of six point seven percent construction of single family homes last month were up just under eight percent that offset a drop in the smaller apartment sector of over fourteen and a half percent single family home construction is now at its highest level since two thousand seven construction was up in every region of the country except the Midwest that registered a plunge of almost thirty three percent I surely ocular
Loved Labours won: landslide in New Zealand
"This weekend New Zealand's Labour Party swept to a fairy-tale victory stunned. Prime Minister. Justin. The are dern beamed as a rapturous crowd applauded beginning her speech with a thankful molly reading. In. In tongue it Athena what? dern promised a big tent kind of administration. For every New Zealand has never been so important more than it has been now. We living in an increasingly polarized world a place where more and more people have lost the ability to see one. Another's point of view having come in for criticism during the campaign on failing to address housing shortages and poverty. She acknowledged there were difficulties ahead. Over the next three years. There is much to do. We will build back better from the covert crisis. Stronger. With an answer to the mini challenges New Zealand. Already faced. Challenges or no the scale of the win came as a surprise even to her supporters. The easiest way of describing is that it was unparalleled in modern history. I wonder why it had Austrailia and correspondent say the Labor Party which has just endured dance policy one, forty, nine percent of the and that was compared to nearly twenty seven percent for the main opposition, which is called the national policy, which is conservative that is the best result Labor's result for any policy since the fifties and it gives it a majority of seats in parliament, and that is the first time that any he's been. Able to govern on its own underneath. Zealand. System of proportional representation which has been in place since one, thousand, nine, hundred, sixty, they were winning in both provincial rural conservative strongholds, ondon rich city areas, and to give sense New Zealanders vote for both the preferred party and an MP on their ballots and labor top the preferred party votes in sixty eight of its seventy constituencies really astounding result for them and what was the the campaign like De Campaign was focused on pretty much only one subject which was the government's response to the coronavirus. It was really a referendum on how the government and I think in voters is particularly prime minister has responded to the virus that response was to shut down the borders, I to China, and then to the rest of the world and then to rally support. For, what was a very, very strict lockdown in New Zealand at the beginning of the pandemic and say, Bara brief surges pretty much. Succeeded I. Need Twenty Five people have died and that was really what the campaign focus on the fact that life has been able to return and roughly to normal people are eating out people cramming into restaurants and their normal numbers. Forty six thousand people watching rugby match against Australia, this weekend. So the campaign was very much focused on that response and the opposition kind of found it quite difficult. See Find Ground on which to oppose the government, and so the scale of that result then is just a reflection of how satisfied everyone has been with the response to the pandemic. That is the singular issue of its left remembering that before the pandemic hits. Labor a was looking the polls. The suggesting that Labor was on track to lose. This election would have been a one term government, which is not very common in New Zealand central a being. Overseas particularly, for the way that she responded to the Christ church terrorist attacks, they were much last year when these two mosques were attacked by a white supremacist and she was obviously hailed. The way she united New Zealand does after that and staunchly defended immigrants but adulation wasn't really reflected back at home until the pandemic has. So was this a vote for her or a vote for the Party and it's I think it's got to be with her and not a great deal to do with the Party and its policies. So it was a campaign that was thin on policy on both sides update from national and Labour but I think it was a set of referendum on the prime minister's response. To the coronavirus even historisches appointment submit that she's a very gifted communicator particularly in times of crisis and young people particularly look to her. She has a kind of unpretentious approachability that I think that a lot of Kiwis light and political analysts in New Zealand will say that it's very much a politics of personality though she wasn't always popular home as she was overseas. I, think that Kiwis do derive a kind of sense of pride from hug label standing as well. So in a way that has served her well at home. Speaking to damage he said that her brilliant lies in the way she plays into their sense of exceptionalism. In key, we always liked to think that set apart by more than their geography and they punch above that waits. But what about apart from the personality and crisis management and so on. What about sort of kitchen table politics? This is. Just. On the Labor government comes in for a lot of criticism because when she came to power in two thousand seventeen. Labor was making a lot of very lofty promises to do things like reduce child poverty it was going to end homelessness in New Zealand. It was going to build one hundred thousand affordable houses in ten years. Of generally make New Zealand to Faira Besser country and it's pretty much failed to deliver on every single one of those things. The Prime Minister's critics point out that almost counts of poverty and social inequality museum and actually heading quits. Houses are increasing at the moment in New Zealand increasing through the crisis. So this is a big big criticism of her detractors that she is a great at moving motivational speeches, but quite a poor Administra- certain hasn't actually got much done. So that might explain why this time around the world kind of such lofty promises it was rather more timid. But. She's still got a strong base of support is on the left who are GonNa be expecting her to do a lot more particularly now she's not in. She's she's not having to form a coalition particularly now that she can govern on her own and so to your mind the the big difference then between the first term and this coming second term is that she that Labour will be governing alone. Is the big difference with governing Elaine comes a lot more responsibility. There is still a chance that Labor form some kind of coalition with the Greens will they. They don't need. Them might be handy have degrees inside the government say they're not handling the sidelines said that could either be a formal coalition or a more informal arrangement in which the Greens folks with Labor early onset issues. So a much stronger position on a lot more pressure within this time around. But what about fulfilling all those promises in light of the economic situation? I mean new. Zealand certainly must have suffered economically from the pandemic if not quite so much as elsewhere in terms of the human cost, it is in a recession. Now the economy is going to contract by about six percent. This year unemployment is rising the wage subsidy that is coming off. So Wild New Zealand has done very well at keeping the virus out there going to be lots more questions about what that has caused it, and how it is going to drive a recovery how it's going to get out of that mess. The Prime Minister says that there is a plan for recovery which includes things like building lots of roads but to her pregnancy looks quite incremental. They out there in no big plans for tax reform for example of just third some income tax hikes. But only on the talk to percent of workers say theoretically might think that with such strong majority, they pressure more radical agenda but there are many people in New Zealand see that. So to be so popular, you've got to be fairly uncontroversial owner. Thank you very much for joining us. Thanks, Jason.
The race to a zero-emission world starts now
"We are all here today because the climate countdown has begun. And we are nowhere near where we need to be. Science tells us we must lead global heating to one point five degrees Celsius above preindustrial levels. We are on track facility grease at least. Billions of people are all already suffering from our failure to act. Climate Disruption due to our dated addiction to fossil fools. He's causing unprecedented wildfires more intense frequent cyclones, floods, droughts, and other weather extremes. Boksic air pollution is choking our major cities and harming our health. And bow diversity on landon season the growing pressure. No country's immune from the climate crisis. But in every country, it is the poorest and most vulnerable were hardest hit despite having lists to cause the problem. Over the past twenty, five years reach ten percent of the global population as being responsible for more than half of all carbon emissions and the poorest fifty percent were responsible for seven percent of emissions. Ranking justice sending equality of this scale is a cancer. If we don't take now. Sensory may be one of humanity's lust. The covid nineteen pandemic has laid bare the fundamental injustice inequality of our societies. Upheaval of these pandemic presents an opportunity to chart a new course when it can address every aspect of the climate crisis at on. Easterly shows that when we grab such moments we succeed. We can build a safer fairer more resilient worlds, but we need to move quickly. That is why I'm urging government. So take six climate positive actions to recover better together. Invest in Green, jobs. Not. allowed. Polluting Industries especially coal. And fossil fuel subsidies and the price on carbon. They climate risk into account in all financial and policy decisions work together in solidarity and most important leave. No one behind. These is the course of action that thousands of these city states. Regions. University isn't investors are already choosing by committing to net zero emissions by twenty fifty at the latest. Data moving to protect people and planet's momentum is building. Cities and regions with the carbon footprint greater than the United States and companies with revenues of more than eleven point four, trillion US dollars. If now committee to net zero emissions by two, thousand, nine, hundred, eighty. That's double. The number from when this initiative was launched at the Climate Action Summit in two, thousand, nine, nine. Likewise investors managing over four trillion dollars have joined the race to zero. This number also more than doubled since the initiative was first launched at the same time. But it is still necessary for governments to create the tax and regulatory frameworks that will further stimulate climate action by the private sector unions announced plans to cut its emissions at least fifty, five percent by twenty thirty and chief Clem neutrality by twenty. Fifty. And China as announced its intention to become carbon neutral before twenty sixty. And count on these and other mainly meters to present before cop twenty, six concrete plans and policies that will bring the world carbonaro throwing divide twenty-fifty. We must make sure that each country each city company bank and Interest Organization as a transition plan to reach zero net emissions. We also need to see much greater efforts to build resilience in vulnerable countries which to cause climate change, but they are the worst impacts. In the coastal Delta's the islands of the Pacific and the billion and the islands such as the efficacy trial region, we must have people of that to climate impacts as they recover from covid. Nineteen. I call on developed countries to meet their commitment to mobilize one hundred billion US dollars ear for mitigation adaptation and resilience in developing countries. We must work to create the conditions needed for a massive mobilization of funds. Also from financial institutions and private investors, we must keep building climate ambition. On the fifth anniversary of the agreement in December leaders from government business and civil society will gather online to do just that. We need to kick start the race to the Glasgow Climate Conference in Twenty Twenty. One To those who have already joined the race. I. Applaud you. But they also asked you to the Mar and much faster. You have raised your ambition and your commitment. We need you now to also raise your voices and push governments to do better. Especially, those we meet the most. To those yet to join my message is simple. We can only win the race to zero together. So I urge you. To get on boards, the countdown has begun.
Could you handle a surprise $250 expense right now?
"Everybody a lot of big numbers with which to begin the program today, and then a much much smaller number, and arguably it's the smaller one that is more of a problem. One is definitive about the political machinations surrounding the American economy right now, those negotiations over a relief bill one is definitive at one's peril but we seem to have arrived today at the proverbial line in the sand by way of Refresher Speaker Nancy Pelosi and House Democrats want to spend two point two, trillion dollars on relief bill the White House, the president of the United States Treasury Secretary Steven. MNUCHIN. They say they are good with one point eight trillion dollars. Senate Republican, Leader Mitch McConnell Today in Kentucky Though said this you're correct were discussions going on between the Speaker about an hour now. That's not what I'm. GonNa put on. McConnell. Is going to put on the floor. He said a five hundred billion dollar package that'll be next week sometime. So those are the big numbers. The smaller number is two, hundred, fifty dollars just to fifty no extra zeros and it's one of the key data points from the latest addition of the marketplace. At research poll, we're going to be digging into it for the next couple of days and today as well. But the upshot is that all is not well once you get past the economic headlines One of the questions we asked people was if you had an unexpected expense of two hundred and fifty dollars, two, hundred, fifty bucks, would you be able to pay it forty seven percent of people almost half of Americans said it would be somewhat or very difficult to come up with cash. Since. The pandemic it's Ben We haven't really had much expendable income. That's Ashley. Since she's twenty seven, she's a first grade teacher in Monterey California at the beginning of the pandemic my boyfriend was laid off from his cooking job and so now it's kind of just. My salary and then the little bit of benefits that he gets, which covers blake rent food. But only barely like there's there's not much else one reason why there's not much else those expanded unemployment benefits the extra six, hundred dollars a week we told you so much about they ran out almost three months ago. See also negotiations over those big numbers that we started with. When he had the federal benefits at least we had like a little bit of wiggle room where it was like okay. If something happened wouldn't be like the end of the world right then. But now that that's gone, that's also kind of not there. Anymore Ashley's ends one of the respondents to the tenth addition of the marketplace. Edison Research poll out as I think I've said, today we through some new questions in the bowl this time cuz pandemic and some of those questions were about kids and parents and working and schooling from home. Those are among the biggest challenges millions of people in this economy you're facing and as marketplace's Megan McCarthy Carino reports it is mostly women who are facing it. Normally Emily Smith supplements her job as an heirloom vegetable farmer in Ohio with a part time winter job. But this year she's got a lot going on at home her nine year old son is doing on again off again, remote school. It changes week by week according to infection rates in our county I have to be here. He's not really old enough for me to. Go anywhere one time while he was in class, she left to run a quick errand down the street I come Rahm, and it's like he's sitting in front of the TV with his computer Smith's husband works fulltime outside the home. So she's in charge of schooltime our marketplace. Edison. Research poll found a stark gender disparity in WHO's primarily responsible for supervising remote learning sixty three percent of mothers said they were compared with just twenty eight percent of fathers. These disparities have kind of already been there but they're really getting exaggerated by how the pandemic has kind of taken away a lot of the scaffolding that makes working families tick. Darby Saxby directs the Center for the changing family USC. She says before the pandemic women in heterosexual dual income households were already doing more household labor despite the fact that dads have tripled the amount of time. They. Spend taking care of kids over the last fifty years. Now with childcare hard to find an extracurriculars canceled its mothers who are mostly picking up the slack. You know women are generally socialized to kind of be more the managers of of their kids, development and education in our poll. Roughly equal shares of men and women did say they had made career sacrifices to care for family during the pandemic or had cut hours at work to deal with remote school like Fain Young in Philadelphia who's juggling his it job with studying his BA and helping his five kids at home to definitely taken away from anything else that I would have otherwise done. And that time otherwise would be consumed either with my career or my own education. Dan. Carlson at the University of Utah has found well, moms are more likely to be in charge of remote schooling. DADS have stepped up to take more equal share of routine housework and childcare during the pandemic Manhattan stepped up the way they did it would have been even worse so it was not enough to stem the tide. You know as like a finger in the dam, the latest jobs report from the federal government found more than eight hundred thousand women had dropped out of the labor force four times more than men. I Megan McCarthy Carino for marketplace
Inequities Of The Pandemic
"Right here we go four inequities, the covert pandemic I up growing racial and ethnic inequality according to a recent survey by Pew Research. Throughout. The pandemic. Black. Hispanic. Families have struggled to make payments on their bills, things like health care bills or mortgage payments more than white families. One clear reason why is that black and Hispanic adults have been more likely to lose their jobs than white adults but another big reason is that white households had so much more wealth before the pandemic. Here are some staggering data points as of last year the median black household had about twenty four, thousand dollars in total wealth and the media. In Hispanic household had just a bit more about thirty, six, thousand dollars but the median white household had a hundred and eighty nine thousand dollars in wealth. That's just a huge gap. Also, white families are more likely to own shares in the stock market and to own their homes, and since both the stock market and home prices are actually higher. Now than they were before the pandemic wealth inequality has almost certainly gotten even wider, and this also means that white families just had more of an economic cushion going into the pandemic they had more savings and more stuff they could sell to help them get by when the. Economy started to go bad. The second inequity exacerbated by the pandemic is a pretty straightforward one people who make lower wages have been much more likely to lose their jobs because of the pandemic then people who get paid higher wages a big reason for this industries that pay low average wages, which include jobs in restaurants and bars and retail stores have themselves been more likely to have shutdowns or lose business then industries that pay wages like finance or law. In fact, people who work in these low wage industries are roughly three times more likely to have lost jobs since February and to still be out of work than. People who work in high wage industries, and that trend also overlaps with the third inequity, which is about the labor market for people with different educational backgrounds for adults with college degrees. Their total number of jobs is almost back to exactly where it was before the pandemic even started but there are still twelve percent fewer jobs for people with only high school degrees and eighteen percent fewer jobs for people who did not graduate high school, and there is another really incredible statistic that gets at the difference between people who have college degrees and people don't, and that is this is the ability to work remotely way from the office. Sixty seven percent of college graduates who have jobs can do those jobs from home for high school graduates. Only twenty five percent can work from home, which makes it hard for them to keep their jobs at a time of social distancing and business lockdowns. And the fourth inequity is widening gender inequality. There's more than two and a half million fewer women in the US labor force. Then there were before the pandemic and being out of the labor force by the way means that you don't have a job and also that you're not looking for a job possibly because you have other responsibilities like tending to a sick relative or watching the. Kids and women have been dropping out of the labor force in much higher numbers than men since the pandemic started. So explanation for these differences is that women are heavily concentrated in some of the industries that have had the highest losses things like teaching food service working in hotels. Another possible explanation is the pay gap between men and women women earn less money on average than men. Do, and so in couples where both spouses work, it can end up making more economic sense for the women to step out of the workforce if someone has to stay home and care for the children or the home, and in this pandemic, working mothers of young kids have been roughly three times more likely to lose their jobs than working fathers.
Youths Shouldn't Be Tried As Adults, Study Says
"New report puts the weight behind arguments that young adult should not be prosecuted in Adult Court in Illinois. The findings from the juvenile law center say youth incarceration rates have fallen in recent years as officials recognized the developmental differences between adolescents and adults. But incarceration rates have declined among young adults ages eighteen to twenty four. Reward Co author Katrina Good. Joint explains. Members of this age group are treated legally as adults despite sharing some adolescent behaviors. A have poor decision making impulsive there -ceptable that peer pressure and they're engaging in risky behavior. When we talk about raising the age, we talk about better ways to be more forgiving and supportive of emerging adults rather than punitive report calls for raising the age of eighteen for juvenile. Court. In Illinois emerging adults are represented in the justice system accounting for fifteen percent of the adult population. They also account for thirty three percent of all adult arrests despite a forty seven percent decrease and the number of arrests for this age group in the past decade.
How to Buy in a Hot Housing Market
"I recently got an email from listeners listening about six months or so has listened to well over one hundred episodes of the show. He writes that he's relatively new to investing. He's been investing for three years now, as he graduated from college in two thousand seventeen. He's been saving for his first home purchase in Austin. Texas. He writes the Austin Housing Market is very hot at the moment arguably one of the hottest markets in the country even with the recent effects of covid nineteen. He points out the median sales price in Austin has increased over eleven percent since this time last year, and there are forty five percent fewer homes on the market now versus a year ago he would like to buy a house in early twenty, twenty one. But after seeing the market conditions, he's worried that he might be entering the real estate market at the wrong time. He has heard of stories from realtors in home buyers about individuals and families putting offers of ten to fifteen thousand dollars over the asking price for homes that aren't even on the market yet only to find out, they did not win the bidding war. In short, he continues I'm wondering if you could offer some. Rules of thumb to look for as a first time home buyer in I. Hot Market such as Austin. I'm conflicted because I don't want to buy at the wrong time and potentially lose value in my home only after a few short years however at the same time if this market to continue at this pace for several years to come buying in the near future, I think might be the right move. He points out he's tired of handing over his money to landlords and would like to start building equity in a home to diversify his current return drivers. Austin is not the only hot housing market. There are a number of them in fact, nationally in the US housing is on fire. In August of two, thousand, twenty, there were five point nine million homes sold on a seasonally adjusted annual rate. That's the highest number of home since two thousand six and it's being driven because the average thirty year fixed rate mortgage at the end, of August was two, point, nine, four percent. The median single family home price in the US is up eleven point seven percent in the past year ending August twenty twenty. That's the biggest annual increase in twenty thirteen. Sales of newly built homes are up forty, three percent year over year the highest increase since one, thousand, nine, hundred, two. There have been about one million new homes built in the past year highest level since two, thousand six. The market is being driven because of the low interest rate, which is pushing up the value of all assets. Plus there's a desire for many given covid nineteen to move out of their city, for example, out more into the suburbs or the country. So increased demand and reduced supply because of concern regarding the pandemic. Some. People don't want potential buyers traipsing through their homes. Others don't want to sell because they're not sure they'll be able to find something to buy. The frenzy to purchase homes has pushed up valuations if we look at the value of household real estate. So the total value of houses and condos as a percent of economic output in the US GDP, it's a hundred and fifty eight percent. Total value of all houses divided by GDP is one hundred and fifty eight percent that's up from hundred and forty percent at the beginning of the year the all time high was one, hundred, eighty percent in two, thousand, seven, and the recent low was in two thousand twelve of one hundred, fifteen percent. This is data from Ned Davis Research. The. So the value of the housing stock relative to GDP is approaching that all time high of two, thousand seven, and then if we look at the case Schiller Index, it has appreciated since nineteen fifty-three on a real net of inflation basis of about point seven percent per year. That's the trend line. So we statistically create a trend line again, data from Davis research that trend line increases at point seven percent per year, and then we can see well, how much do current prices differ from that trend line and right now we're fifteen percent above the trendline. In two thousand, six, US home prices were forty percent above the trend line and then by twenty twelve, two, thousand, thirteen, they had fallen two point, nine percent below the trendline.
A Look At Apple's Hi, Speed Event
"Few huge surprises at apple's high speed event though. There were some unexpected bits. Did. Anybody. See The verizon thing coming? Did we have any idea what? MAG SAFE WAS GONNA turn out to be. There we'll get to those. Most of today's presentation is drawn from a couple of viewings of the Apple Park presentation. We'll also pull from the usual suspects doing their usual bang-up jobs. Tuesday's high-speed event presentation started with Apple CEO Tim Cook welcoming viewers back to Apple Park than throwing the presentation almost immediately to others to give the INS and outs of home pod. Many. Bob Board richer's apple VP worldwide product marketing listed the company's desires for home pod. Wanting. The device to have amazing sound to act as an intelligent assistant to serve as a smart home hub all while protecting the privacy and security of the user. This, they say they do in a smaller spherical unit that costs less than one third of the original home pods original asking price. On the amazing sound side company bragged on the devices ro properties as well as how well it plays with others. Others being other apple devices. Users can apparently sink home pod many's either a stereo pairs or to play the same audio throughout the home. The. Inclusion of apples you one processor makes handoff easier to handle according to the company. For what it'll play. Well, there's the usual stuff apple music, apple podcasts, iheartradio radio DOT COM tuned in with Pandora and Amazon music on the way in the coming months. As for the smart part Home Pod, many will handle or interact with messages. Calendar phone calls maps music because. The. Weather reminders and find my feature. There was also an interesting demo where users ask for personal updates and got them. personalized. So he you know multiple voice recognition is key. Now. One new feature mentioned and de Mode was intercom. This is basically what it sounds like. You tell home pod to deliver a message to everybody and the various apple devices in the house including other home pods, iphones, apple watches air pods, and even carplay units play or display the message. I have heard entercom will work with the original home pods as well though not seeing that confirmed. Addressing. It's smart home hub nece home pod many integrates with apple's home APP that lets control home connected accessories said scenes and stuff like that. Covering User Privacy Apple, says no word spoken to Home Pod, leave your home until you touch home pod many or say he. S I are. So, yes, it is always listening but what it here's goes nowhere until you give it the command. Request. A home pot or not associated with apple ID. You choose whether recordings are saved by apple personal requests only work when the associated iphone is home with you. And communications with smart home accessories used strong encryption according to the company. Now I, said earlier that the unit is spiritual. If you've seen a home pod, there is no mistaking what this thing is. Same sort of light up display on the top same mesh wrapping it's roundedness and the same white and space grey options as the original home pod. Coming soon to flat surface near you. Orders for home pod many began on the sixth of November unit, start, shipping the week of the sixteenth of November. Not Price, to beat an echo but not a device that will break the bank. Home Pod many will sell. For, Ninety, nine bucks. Okay. I pretend to hear you say but I'm worried about breaking my home pause many. Not sure why but better to be safe in your case. To that end apple care plus we'll be available for home pod. Many. A piece from macrumors says, that will run buyers fifteen bucks. When Tim Cook was back on camera, he took a moment to Brag on iphones past noting the iphone eleven has been the number one smartphone in the world since its launch and that I phone has led the industry in customer satisfaction every year since it's Get ready to hate all of them as the iphone twelve line makes the scene bringing with it five G. Connectivity. Which one? All of them. Had Been Rumored Apple announced four iphone phone twelve models and has had also been rumored. Each can support five G.. Cook says, five G. Brings A new level of performance for downloads UPLOADS, higher quality video streaming, more responsive gaming, real time interactivity, and more. The CEO says five Jia superfast, which he actually pitched as a security feature speeds are so good. He says you'll be less tempted to sign on the public WIFI limiting exposure to the dangers that lurk there. Every decade brings new technology that provides a step change in what we can do with iphone said Cook. Today. A new era begins for iphone. Today we're bringing by G. to phone. Then began the verizon commercial. Hans Fest Berg Chairman and CEO. Verizon took to the stage talk about big reds five G. offering. Verizon's by ultra wideband with large quantities of millimeter wave access will be live and sixty cities across the US by the end of this year. In ideal conditions, Best Burg says the carriers seen four gigabits down and two hundred megabits up. The four gigabits is kind of funny own Antonio Guy says an ideal conditions. Well it doesn't sound like you're getting four GIGA beds but we'll get, him. The other thing best Burger announced was flipping the switch on Verizon's extensive five gene nationwide network. That apparently went live yesterday. Boy would I like to know the terms of the deal worked out between, that bill and Verizon? Emphasis on particular carrier. I did not see coming. Now I said iphone twelve comes in four models here the rumor mill rang true. The phones are iphone twelve iphone twelve many iphone twelve pro and iphone twelve pro, Max. Starting with iphone twelve, remember the squared off edges of iphone Four. The new design returns us to that. Squared edges that meet flush with the devices front and back glass the front classes something special though. Working with corning delay, this display is protected by what apple. Calls Ceramic. Shield. It is said by the company to be tougher than any other smartphone class with four times better dropped performance than iphone eleven. The display it's protecting is apple custom Ole ed providing truer blacks, better contrast and two times the pixels iphone eleven or four, hundred, sixty pixels per inch. While that displays the same six point one inches iphone eleven, apple shrank the surrounding enough to make iphone. Eleven percent than her fifteen percent smaller and sixteen percent lighter than iphone. Eleven Choice of colors is not huge but they are pretty. With options and black. White Product Red Green. And blue that. Does things for me. I shouldn't talk about in mixed company. The candy coating is nice. Let's talk about. It's Chewy. Chocolate center starting with the phones five Genus Apple says, iphone twelve has the most five G. bands of any smartphone for better performance in more places. Additionally the company's silicon, the software approach. Let's apple make the best use of available five G. including choosing to not use five. G.. It sounds like iphone defaults to lt e tapping into five G. when it's both necessary and available. That is great for power consumption according to the company. Apples tested the new phones on over one hundred carriers and over thirty regions. In ideal conditions iphone twelve gets up to three point five gigabits on. which is what makes the Brian Bragging about four gigabytes down kind of funny yesterday. It does support millimeter wave those so. got that going for it. As, for the phones on workings iphone twelve powered by apple's a fourteen bionic, the first phone powered by the five nanometer processor technology packing eleven point eight billion transistors roughly forty percent more than eight thirteen. A six core CPU that's up to fifty percent faster than last year's phone and a four core GPU graphics that are up to fifty percent faster than last year's model. Machine learning also gets a boost iphone, twelve packs of sixteen coordinator and Gen that's up to eighty percent faster than iphone eleven capable of eleven, trillion operations per second. Company bragged on Games claiming console quality for the phone. To Demonstrate and executive from riot games showed off League of legends wild rift a mobile, only game due out later this year. Well phone twelve is not the phone photographers would choose. There's plenty of improvement and it's cameras. Apple says the phone has a twelve megapixel ultra wide camera and twelve megapixel wide camera. It said the sport, the fastest aperture yet it also features a seven element lens that apple says offers twenty-seven percent improvement in low light performance. Mag Save is an internal thing. Rather than a name for a connector is in days of old MAG. Safe today is a collection of magnets and charging elements that help line up the phone for proper charging. When it's not charging those magnets go to work holding on cases and wallets and third party stuff. Apple expects a thriving ecosystem of third party doodads take advantage of the newly introduced MAG. Safe. Ness. Mag Safety. Safe thing. Anyway. It's a thing built into iphone twelve. Every model in the line. Now's probably phone twelve many. Except for the size, you can take everything I've said so far about iphone twelve and play it back. iphone twelve many has the same specs as iphone twelve though in a slightly smaller size. The company says the mini is smaller and lighter than four point seven inch models like iphone eight but with a bigger five point four inch display. Apple says, this one is the smallest thinnest and lightest five G. phone. In the world. Talking about last night with Frederik, Van Johnson, and a few other folks on Chuck joiners Mac. Voices. We came to the conclusion that the pro phones for two groups, people who wanna spend as much money as they can afford. Or people who really care about the camera. There's nothing wrong with the camera functionality and the iphone twelve or iphone twelve many. Unless you count they're not being as high end as the camera on the high end. No I'm not a high end photo guy. So there was a lot set around iphone twelve pro, an iphone twelve pro Max that escapes me. The camera on iphone twelve pro boxes said by apple to have a sixty five millimeter focal length from fifty two millimeter focal length and last year's counterpart. It's got five times optical zoom range and the set to support an eighty seven percent improvement in low light versus last year's top of the pro line. I do know enough to be impressed by one thing. The pro line can shoot an apple pro raw. or it will be able to with a software update. Later, this year photographers will also be able to edit those images. Directly, in the photos APP. The pros can also handle. HD are video recording catching seven hundred million colors. Sixty Times, the number they could capture before. Apple, said they also sport the first smartphone camera that'll record in dolby vision hd are. And just like the apple pro raw functionality users will be able to edit the dobie vision HDR video in the photos APP. Finally the light are rumors were finely true the twelve pro and twelve pro Mac speech or a world facing light detection and ranging scanner. That let folks scan and modeled their surroundings. Apples Demos showed that put to use for placing objects in an augmented reality environment performing improved autofocus and low light and improving camera that perception in low light for night moat. Working our way out of these phones, Greg, Joswiak, apple's newly minted senior. VP Worldwide Marketing talked about a few of the pro lines features. It's got mad safe. It's got ceramic shield. It's got a Super Ratna FDR display. As for sizes iphone twelve pro gets bumped from five point eight inch display display size of six point one inches the pro Max meanwhile goes six point five inch display to a display size of six point seven. All of it is bound by the same squared off edges as iphone twelve, the with a couple of distinctions. I. The outer band is stainless steel on the pro line and second the colors are a bit more refined. Coming in silver graphite a gold that looks seriously golden. And the Pacific. Blue that doesn't do as much for me as the blue on the IPHONE twelve. Not that I'd turn it down. If cost is your primary concern. Here is what you're looking at across the whole line of iphones. iphone se. Start Three, hundred, ninety, nine dollars iphone ten are starts at four ninety, nine iphone eleven starts at five, ninety, nine iphone many starts at hundred ninety, nine dollars iphone twelve starts at seven ninety, nine, iphone twelve pro starts at nine, ninety nine. An iphone Pro Max starts at one, thousand, ninety, nine dollars. For the new phones though those prices are only Kinda SORTA true. Peace, from the Mac Observer says iphone twelve many an iphone twelve do start at six, ninety, nine and seven, ninety nine if you buy them as a t and T or verizon phones if you buy one is either a sprint or t mobile phone or as an unlocked phone. The starting prices are seven, twenty, nine, and eight, twenty nine. With no indication as to why. While it's great that ceramic shield means less of a chance of broken display. The chance is still there. If that bugs, you apple care pluses there for all of them. macrumors says, two years of coverage will run one, hundred, forty, nine dollars for iphone and twelve mini. Adding loss or theft protection will up that price to to nineteen buyers can get ongoing coverage for seven, ninety, nine per month or eleven dollars and forty nine cents with loss and theft added. As for the higher end phones, the pizzas, two years of Apple Care Plus will cost one, nine, thousand, nine or nine dollars ninety nine cents per month. Theft. And loss coverage bumps that price to two, hundred, sixty, nine dollars or thirteen dollars and forty nine cents per month. Ongoing. As for availability, apple is starting in the middle. And working out. Would owners can order iphone twelve and iphone twelve pro this Friday the sixteenth. October. They'll be delivered the following Friday the twenty third. If you're targeting either end of the range. iphone twelve, many an iphone twelve pro Max will go up for order on the sixth of November. Delivery should hit the following Friday the thirteenth of November. Barring incident which I have to say because. Friday
Houston's Harris county first day of early voting sees massive turnout
"This year, there are a ton of registered voters in and around Austin this year just about every single person who is eligible to vote in Travis County where Austin has has registered to vote. Travis. County announced today that of the over eight hundred and fifty thousand eligible voters in that county ninety seven percent of them are now registered to vote ninety, seven percent registration. Of eligible voters. That's Austin Texas. Then there's Texas's largest city Houston. Harris County is home to Houston and they had absolutely massive turnout today for their first day of early voting. For years ago in two thousand Sixteen Harris. County had forty early voting sites. This year, it's got over one hundred including ten drive thru voting sites where you can vote from your car Harris also doubled its number of paid election workers. They've got eleventh excuse me eleven thousand paid election workers.
Model S Price Cut, X Range Increase(?)
"Everybody Rob our here, and today we were talking about a price cut on Tesla's model s an update on the full self-driving rewrite an SNP credit rating upgrade some news out of China India that a couple of other topics as well. We'll start off with the price cut tesla today the US lowered the base price for both the long range and the performance version of the Model S. by three thousand dollars meaning the starting prices dropped from about seventy five, thousand dollars before to about seventy two thousand dollars now and Tesla has similar. We cut the price in China for the mile s by about three percent I don't believe. It has been updated in Europe but all the pricing those markets are different. So let me know otherwise if it has changed in your market this is the second Prescott on the Model S. This year following a five thousand dollar price cut on the vehicle back in May, which also applied to the Model X. at that time. Interestingly, this update is only for the model s not the Model X. That means the base price spread on both the long range and performance versions of these vehicles is now eight thousand dollars I don't think this is terribly surprising given. The fact that we are now in Q. Four and Tesla does still. Have a shot at hitting five, hundred, thousand vehicle deliveries this year but it's GonNa take every single vehicle to do that I, think and on the s next combined unfortunately, tussle doesn't break those out individually anymore. But on those two vehicles combined they have been producing and delivering under the capacity Tesla in their queue update letter said that they had a current installed annual capacity out of Fremont for s and x combined and ninety thousand per year. That's twenty, two, thousand, five, hundred per quarter but tesla hasn't delivered more than twenty thousand as next combined since the end of twenty eighteen excluding the first two quarters this year due to. Production Shutdowns Tesla's at that point in time has averaged production of around sixteen thousand s annex per quarter. So they certainly seemed to have some additional capacity and that should be the case for batteries as well because these used the eighteen sixties from Panasonic, in Japan, which have previously accommodated s an extra rates around twenty, five, thousand per quarter in Q. Three, tesla produced around seventeen thousand ax in our previous conversations about potential Q. Four production. I just held that study at seventeen thousand I. Now think that will actually increase this quarter q four is naturally a stronger quarter for automotive demand tussle now, early in the quarter stacks this price. Got On top of it, and we also had the Plan Model S. announced at battery. Day? Which I think could have removed some doubts for some buyers that may have been waiting for battery day in anticipation of potentially other updates to tussles lineup. So I think you for should be pretty solid for model s and not to be outdone entirely by the model as we may actually have a range update for the Model X. DMZ member cold weather e. v. last night posted an update that they had just taken delivery of a twenty twenty one then model x. and they were surprised to see that on the monroney sticker which. Is that sticker in the vehicle comes with all new vehicles and has things like efficiencies migrating, and one of those things is EPA rating this person will surprised to see that the EPA rating for Model X. was three, hundred, seventy, one miles that is higher than the previous rating of three hundred, fifty, one miles of range, which is what tussle still lists on their design studio. So we'll have to wait and see if we hear this from more people obviously this just as one source at this point in time, and this user also does say quote I haven't charged to one hundred percent but when extrapolate my current state of charge? percent two miles, it should give three hundred and fifty one miles at one, hundred percent and quote. So maybe it is still three hundred, fifty, one miles or maybe the software just hasn't been updated for this new version yet I think the latter is more likely but again, we'll wait and see this would be five point seven percent increase to range, which I think brings to mind a couple of things. We earlier this year had a similar increase in range to the Model S., which took it from around three hundred eighty at remember the exact rating up to four hundred miles per charge. But when that happened the Model X.. Actually, stayed constant. So this could be the X. catching up with those s updates previously, or we do also know that Panasonic has been working to improve energy density in Nevada by about five percent five plus percent. So maybe they made more changes to the eighteen six fifty's that supply the model x. from Japan, and then maybe those new cells would be adding this five percent plus range. If that were the case we would expect to see this also happened in the Model S. probably. So anybody that is taking new deliveries of either the or the X. Please take a look at what your monroney sticker says and let us know. Next up, we have an update on Tesla autopilot rewrite Alon on twitter yesterday said Quote Limited Fasd Beta, releasing on Tuesday next week as promised. This will at first be limited to a small number of people who are expert and careful drivers and quote we last had an update on this about a month ago when John said quote releasing private Beta in two to four weeks public. Beta. Centers opt in four to six weeks after that. Then all US Tesla owners mid-december above schedules contingent upon not encountering major unexpected setbacks and quote. So this new tweet, it's a little bit less clear on which step or in if it is that I private. Beta. That he on his talking about here or if it's that limited public Beta for early access owners but to me, it does sound like that first. Step of being a private Beta. So that will come out next week one week from today on October twentieth. Apparently, if that's the case, it's about a week and a half out from that previous timeline but I think everybody can be pretty happy with that. If we extrapolate from that same timeline before using these new dates, we'd be four to six weeks out from early access, which would put a day range for. That from November seventeenth to December first depending on how wide this initial releases that early access program update that might be the first time that we actually start to see youtube videos and things of the sort pop up for the new rewrite though it is possible that we may see some of that as early as next week.
How I Built Resilience: Cynt Marshall of Dallas Mavericks
"Welcome to how I built this resilience edition. On these episodes, we talk with entrepreneurs and other business leaders about how they're dealing with this very challenging moment in human history the creative ways are trying to figure it out. So back in two thousand sixteen I got a chance to talk with Mark Cuban he's one of the sharks on shark tank. Of course he's also the owner of the Dallas Mavericks and it was really open and honest conversation and you can check it out in our feet if you haven't heard it. Recently I was really excited to talk with Sinn Marshall who mark brought on a couple years ago as the CEO of the Mavericks sent is actually the first. African. American woman to be the CEO of any NBA team? Now, this is only her second season with the Mavericks I was in the two thousand, eighteen, nineteen season last year, and when she got the call from our Cuban she didn't even know who he was. Embarrassing that I didn't know but it's not totally it's cool. Actually it's better that you didn't know he was in Indiana I worked very TNT for thirty six years. The came to Dallas to do culture transformation in hr work is something completely different for at and T. and after six years of that retired, and then on February twenty two, thousand, eighteen, I started getting all these text messages and actually. I thought it was one of my kids I have work yet. So I thought, it was one of my kids looking for money. So I handed my husband phone and said, one of the kids need money they're blowing up the phone can't handle it, and then he came back and said I think you need to return this is Mark Cuban and so course I asked the moves that and all that. and. So when I when I went to see him. He talked to me about sports illustrated article had just come out and was very genuine about wanting a culture transformation just to clarify this is the article that came out about like twenty years of sexism and. Pretty devastating article about the culture of the Dallas Mavericks Mark Cuban. He came to you saying we got to begin to solve fix this problem and. I need your help, and so we we talked for about almost an hour and I still hadn't decided that I was went to do it an into women talk to me as I was leaving office. What they say to you they said like, please we need you said, are you the person who Marquez going to come in and save us I said well personal I do not have the power or ability anybody but yeah we. are talking about me coming in to to help out and they said you have to come and they started telling me some things that were happening and I said, well, you go home pray about it and maybe I'll come back tomorrow and so I did go back the next day and I was there for about three hours in a conference room with people just coming in and out talking to me mark even know I come back. But. Just met a wonderful people who needed leadership and that's what mark wanted. That's when he asked for and so I said Yes in sin from what I understand when you got there and this I think this is pretty common in a lot of corporate environments and certainly maybe in the sports world from red, there were no women in leadership positions are very few in leadership positions and actually wasn't incredibly diverse either and that was one of the first things that you wanted to tackle hats in had inside a recipe. So the first thing idea was set out of vision. And the vision. This basically said, the Dallas Mavericks was set the NBA. Standard for diversity and inclusion by two thousand and nineteen meeting we have out what nine to do that. So that was the vision we set out because I know the business case for diversity, and you have to have a diverse group of people around the table if you really want to be successful as you can be, and then I had one on one without employs they made some leadership changes and so now we have almost fifty percent women in leadership and forty-seven seven percent people of color and so. I met maps. So your goal was to set the NBA standard for diversity inclusion and are you now the most diverse inclusive leadership team in for an NBA organization I know we're we're somewhere at the top of we. We actually ended up getting the NBA's diversity inclusion award in January for all the work we have done. So that was That was pretty special for us because we have a lot of people working very hard on not just a versity because you know there is a difference a diversity is about the mix. It's about race gender ethnicity, all of that but inclusion is about the climate the sense of belonging it's about what you do with that meet some people, and so we've been very focused on all of that including Ebony including equity fairness and. All. That and so I had a recognized by the NBA was big for us I mean, obviously, we still have a lot of work to do. We'll always have a lot of work to do but I think we've made some progress indefinitely. Let's different and feels different from watching two thousand eighteen according to what the post are telling well
The Ugly Partisan Truth Behind President Trump's Stimulus Roadblock
"The. Last official jobs report before the presidential election would garner significant reason but there is no normal these days and the jobs report. Last week was immediately overshadowed by the president's Kovic Nineteen diagnosis. But for tens of millions of Americans, the state of their employment is along with covid nineteen. The only issue that really matters and it's clear that well more than half the jobs lost in the immediate aftermath of the spring shutdowns have been regained almost half ten million jobs have not. That fact alone would suggest the need for further government stimulus but hope for that faded after the president announced that he was uninterested in further stimulus bill until after the election though he then backtracked and suggested he was open to some action even so you might think that authorizing another round of perhaps two trillion dollars in stimulus would be in the interest of a White House seeking to curry support ahead of. The election, but there are reasons for their ambivalence. The harms of this covid nineteen recession are starkly uneven and are disproportionately hurting those who favor the Democrats especially poor and minority workers clumped in urban areas as well as service industry workers all over the country. Some of those are in regions where the Republican Party is strong but a considerable portion are in blue areas of the country more likely to support Democrats. Insured this recession is the most unevenly experienced economic downturn. Ever it is uneven by level by race by region but what is becoming increasingly clear is that it is uneven by party affiliation as well the economic harms of the pandemic and of attempts nationally and globally to contain it or hurting everyone. But those most inclined to vote Democrat are being hurt more than those inclined to vote Republican White Women for instance, have according to the bureau. Of Labor Statistics recovered more than sixty percent of the jobs lost in April black women however have recovered only thirty four percent. The highest earning income cortel is now above the. Employment levels of the beginning of the year. The Lowest Cortel are still twenty five percent below the national unemployment rate is seven point nine percent the unemployment rate for those twenty two, twenty four is twelve point, five percent for those over fifty five is six point seven percent. Then juxtapose those facts to who votes Republican. Versus who votes Democrat according to the Pew Center. Almost ninety percent of black women vote Democrat fifty, six percent of Republican voters are over the age of fifty five millennials skew fifty, five percent Democrat in almost every category those who are being hurt most by the recession are more likely to vote democratic. There are exceptions non college educated white men are not exactly thriving in the covert economy and according to most polls those trending toward the Republicans though the gap has been narrowing since two thousand sixteen in general however, the recession has hit cities hard and service sector cities such as New York Washington DC San, Francisco Los Angeles, and Miami especially, hard more suburban and rural areas of the country have seen. Less, dire employment losses and less economic contraction in part because governments in many Republican dominated states have been less likely to institute strict restrictions of businesses and schools. The net effect on whether the federal government will spend more to address stalled recovery with still substantial unemployment is that the geographic and demographic parts of the country that need help the most skewed Democrat and the parts that need it less Ski Republican. In. A functional political environment, there would be widespread recognition that the national economy and hence long-term prosperity for all of us is impossible if wide swath of the country are economically sinking greater New York City alone contributed about one point, six, trillion dollars to the GDP of the United States in two, thousand, nineteen, which was nearly eight percent of the national total California is about fifteen percent of the national economy. Similar sized proportions are true of major metropolitan areas throughout the country a nation with more than half of its citizens sinking economically is not a recipe for stability and strength for the whole country. Yet, our national politics seem indifferent to that reality. Political leaders appear more interested in the short term needs. Of their particular base than the overall health of the country Republicans are most egregious here though one could critique congressional Democrats for making a political calculus that holding out for a bigger stimulus rather than compromising on a smaller deal is also playing politics with economic needs of millions. The failure to pass more stimulus aid however is the equivalent of refusing to authorise disaster relief in the face of a category five hurricane that cuts through six states on the grounds that it left the rest unscathed we don't do that usually because we recognize that today, it may be Texas that needs money in an emergency and tomorrow it might be New York and that we for all our manifold differences live in one policy. But the current overlap between political affiliations and economic necessity has blinded many to that fact. The refusal of Republicans to authorize more relief spending may make sense given that their base is less impacted by the negative effects, but it will not make or keep America Great. If Wide Swath of the United States are economically imperilled, the politics may explain what is happening. They do not justify it, and in the end, we will all be the poorer if we do not act collectively and quickly.
IBM: Why Eyes are Fixed on Big Blue
"With big blue. However, IBM is spinning off its IT infrastructure division into a new publicly traded company that that is the legacy part of IBM's business. Or shares of IBM up about seven percent. So that's helping to boost the Dow and. Arvind Krishna who took over as CEO of IBM back in April. not, really wasting anytime setting the direction for IBM's future. No, no it a little bit a little bit Sati, Nadal ask if you if you will. In anything that makes a lot of sense I mean it was interesting to note the pre-market enthusiasm IBM world pretty quickly in the market opened. Bu-. Whenever you can get the word spinoff and unlock value and cloud in the same release you've got to feel pretty good about that especially if you're IBM. So I. Think this move is really this is this is the final move in trying to turn a page for this company. In IBM is really geared toward trying to become identified as a cloud company period in. So that's what this ultimately is. It spits off spins off a little bit of a legacy part of the business. It gives them the chance to really focus on where they feel like the puck is going so to speak. Doesn't make me want to own IBM more now. No I don't think so I mean I probably honestly if I were shareholder. Maybe look at it as a nice time to cut bait and you know pull the old George Costanza. Leave on a high note But this really does go all the way back to the nineteen ninety s when former management identified the need to pivot away from. The reliance on hardware sales and really focus more on software and services. and. So what this will do ibm the new IBM will focus on it's it's open a hybrid cloud platform which. Represents a massive massive opportunity I mean that's one trillion dollar opportunity which. I listen I. Mean we talk about large growing market opportunities all the time, and that's obviously a big. So you can't you can't neglect. Considering that and The spinoff company the yet to be named company. I don't know that I. Feel. So strongly about one that's focused more on managing and modernizing client owned infrastructures, I mean it's a big market opportunity but is it just legacy IBM businesses never really been compelling to begin with?
Trump tax returns: How rich Americans avoid taxes
"A New York Times investigation into president trump's tax returns found that in some years he paid little or even no taxes. Now, he is not the only rich person to not do. So the tax code favors people who live off of investments including a lot of people in finance who run hedge funds or manage money. Here's NPR's Jim Zarroli. Morris. Pearl is part of the one percent. He's a former managing director at the giant investment firm blackrock. He has an apartment on New York's Park Avenue, and he lives off his stock investments. These days Pearl says, the taxes he pays are lower than ever I. For instance, have not worked since twenty fourteen. All of my money comes from investments I'm doing fairly well, but my tax rate is in the teens. That's right. He pays a lower tax rate than the average teacher or letter carrier Pearl is a millionaire even chairs an organization called. Patriotic Millionaires, and he thinks the way the tax system works is disgraceful. Our system allows rich people particularly real estate developers and investors to pay far lower taxes and people at work for a living US tax law was designed to be progressive meaning the more you earn the more you pay, but it doesn't always work out that way when president trump was running for office, he promised to overhaul the tax code. It is riddled with loopholes that let some special interests including myself in all fairness is gonNA. Cost me a fortune this thing believing. Belief. This is not good for me. The tax bill trump ultimately signed into law in two thousand seventeen got rid of some deductions and loopholes, but it retained one provision that mostly benefits rich people as Earth tax loopholes go one of the more known textiles because it is. So ridiculous Charles con is with the strong economy for all coalition, a group of community and labor groups. He says people who live off investments such as stocks and real estate are taxed differently than people who earn salaries, but instead of paying the income tax rate, which could be as high at the thirty seven percent. They pay capital gains and the capital gains tax rate tops off at twenty percent. Trump's tax bill also retained another very controversial provision. It allows money managers and hedge. Fund titans to take their salaries as investment income meaning they pay that lower rate. Trump insists that his tax cuts helped fuel an economic boom at least until the corona virus hit here he is at his State of the Union address. Soon, after signing the bill, we enacted the biggest tax cuts and reforms in American history. But Economists William Spriggs of Howard University says the bill kept some rules in place that benefit the rich especially people such as president trump who made their money in real estate and sprigs says that by cutting corporate taxes, the bill helped fuel a long rally in stock prices and that's benefited the rich even more people owning stocks where the big beneficiaries because their income was going up whereas wages stagnated even through the recession, the stock market has continued to do well, people who own stocks have seen their portfolios grow and they continue to pay much lower taxes on the prophets they bring in.
How Your Social Media Is Keeping You From Getting Hired
"So hiring managers are checking you out on social media. And I want to reveal to you some of the things that they are doing and things that they are looking at. So that you are aware. This is a great article from ladders. I contribute to ladder CY write a column from ladders on a monthly basis. Great. Great Great Resource for you the American worker survey of nearly a thousand people conducted by hosting website who is hosting this dot com found that nearly one in ten workers have already experienced their social media persona being used against them in the workplace. With more than half of the respondents reporting that they feared their online content. Could. Be. Used against them. Twenty two percent of respondents. Who are in a hiring position hiring others? Admitted to not hiring people based on their online content. Photos. Were at the top of employers concerned lists. Sixty six percent of managers admitting. That a photo. dissuaded. Them, from hiring. Someone. Followed by text posts sixty, five percent. Videos and audio recordings from the employees perspective. The most popular situation in which they've had online content you against them. was there discussion with peers such as friends forty, seven percent you said something to your friends Either in the workplace or somewhere else they do their homework and your friends is my kids like to say read it on me. Loose lips sink ships remember that old phrase. Anybody under the age of thirty s going, I have no idea what Kim's talk about. Thirty seven percent. A significant other. Their discussion with a significant other, and then with family members twenty, six percent. So. Again. I've hit that that trump pretty hard here. Careful what you say folks. Here's what people forgetting about. Just because a website becomes obsolete doesn't mean the content you've posted disappears. On personal devices such as laptops and cell phones sixty three percent of us. Reported never deleting photos the most popular spots. Here are some of yesterday's top social media sites that you still have inactive profiles on and maybe some stuff that doesn't put you in the best light my space sixty, nine percent photo bucket nine, percent blogger sixty, four, percent flicker sixty, three percents tumbler, fifty, nine percent. So. Here's the deal. The article goes on to say how to keep a clean I got news for you. Number One if you've done. said. And posted things you've done and said that are boneheaded or even just mildly questionable meaning your great grandmother. would she be slightly concerned about it? Would it bother her may current comfortable? That's a good rule of thumb. Remove it. And then don't do it again, remove it. And don't do it. Stop doing boneheaded things and posting things that if a potential employer saw, you would feel like. I don't want to see that. Don't explain it away stop doing clean it up.
"seven percent" Discussed on Newsradio 700 WLW
"Seven percent on lifetime income accounts how about that no down side marker risk a bonus and a guaranteed growth on lifetime income accounts of up to seven percent give me call eight four four three five one safe that's eight four four three five one seven two three three and we'll show you how it all works all right over the years what we've learned is that having green money provides an enormous benefit a tremendous sense of comfort and relief for the person making the decision we think about it the worry it goes away me just think if if you have read money losses and and you get upset probably that money should not have been in red money right so this makes you can easy decide that mean ask yourself this question if I were to loose some most or all of my money would I be upset and if the answer is yes then that money should be in the green money account now maybe your ask yourself well what green money options are there other than cash and you know checking or savings account maybe a bank CD. well that's where I get to help you call me at eight four four three five one safe and ask specifically for our free money retirement income kit and we'll show you some exciting options I mean you're gonna learn about green money options that in fact one has an upside market potential not exposed to risks that comes with up front bonuses of up to fifteen percent and now here's one for you how about a minimum guaranteed income account growth up seven percent for twenty years call eight four four three five one seven two three three right now and also while you're there talking ask for our free save money retirement income book all this information is free and it comes with absolutely no obligations you don't I strongly believe that we face some very difficult market times here in the future when you think about war politics today the national debt tremendous volatility globally in the markets the incredible amount of corruption that we're seeing divulge now with some of these leaks of papers and events all over the world globally global economies are links now and and for many of us there's a lot more to worry about then when we were kids and.
"seven percent" Discussed on KTOK
"Seven percent and after six and a half percent compounded interest for a lifetime of income that you can never outlive I free save money information get is custom tailored the show you how to take the if out of your retirement well these things last I'll also give you a copy of my free save money book and the book talks about putting your retirement on auto pilot by getting rid of if complaining and and all the fees that are associated with it call now at eight seven seven five four eight safe that's eight seven seven five four eight seven two three three this is Derek calm your host of safe money radio I'll be right back after this message what if you could get a bonus deposit into your income account having grown a guaranteed rate and have a guaranteed payout of your retirement income accounts for the rest of your life sounds like a good plan doesn't it but he gets better what if you're guaranteed lifetime income would double if you were ever confined to a long term care facility long term care insurance renters and reach increase over time this exciting alternative to long term care insurance allows you to provide for some or all of your long term care needs without paying for long term care premiums call us now at one eight seven seven five four C. that's eight seven seven five four eight seven two three three are safe money information kit has the information you need for maximizing your lifetime retirement money while providing a solution for long term care call us now at one eight seven seven five four eighty three that's eight seven seven five four eight seven two three three have you recently change jobs and now you have a four oh one K. or.
"seven percent" Discussed on Newsradio 700 WLW
"Seven percent for up to twenty years then give us a call at eight four four three five one safe and make sure and ask for our free one hundred fifteen page save money book that's a hundred and fifteen pages of everything your broker does not want you know call us at eight four four three five one seven two three three you know too many people ask for close to retirement are spending way too much time being worried about what's going to happen with their retirement money instead of planning what they're going to do with it the entire concept of retirement really is based on a period of time where you're supposed to enjoy the fruits from all the hard work that you've done earlier in your life but unfortunately too many of you spend your mornings and your days reading or watching the news and trying to figure out how to keep your dreams from being killed by the market or killed by taxes and inflation or political events now some of you have decided enough is enough you decided to take the stance of an ostrich somehow you're hoping that if you just keep your head in the sand everything will get better right many of you have your entire life savings parked in money markets CD's or even under your mattress after all it is safe right yeah it's safe but it's doing nothing to guarantee you a lifetime of income call now and ask about our income maximize our program at eight four four three five one safe that's eight four four three five one seven two three three for the purposes of lifetime income you can open accounts that will give you up to fifteen percent or more in bonuses on your money right up front up to seven percent compounded interest annually and a lifetime of income that you'll never out live and get this you can even make sure your lifetime income lasts for the life of your spouse as well wouldn't you like to know that your spouse is taking care of even after you're gone I mean wouldn't you like to know that they will never outlive your money also I would again our number is eight four four three five one safe that's eight four four three five one seven two three three there's no cost or obligation our free save money in retirement income kit and one hundred and fifteen page save money.
"seven percent" Discussed on Newsradio 1200 WOAI
"Seven percent each year compound for income purposes. And also get bonuses of up to seven percent on you Nishel deposit. Some of your accounts can even increase your income up to one hundred percent if you need it for long term care. My number's eight six six seven four nine seven two three three if you'd like my free safe-money information kit and one hundred fifteen page safe-money book, call me now, eight six six seven four nine safe, and I'll handle it to you. I know many of my listeners right now are thinking I've never heard of safe-money products from the financial cable shows, my financial planner also might be thinking this must be too. Good to be true. I hear you. I understand your concern. But let me assure you, the reason you have not heard about these safe-money products is not because they don't exist is because they don't pay agents commissions out of your pocket from high fees year after year, I get paid once from they redid companies, and I never get paid again. And nothing comes out of your money. These products. Also, don't make very good television. They go up at the market gains, and they never go down with market losses. These products are way too boring for TV TV personalities can't get paid their huge salaries unless they can fool their audiences into thinking that they really know what they're talking about. You only need lots of makeup in hairstylists to convince people to risk their money in the market. My approach is much different. No fancy office. No, suit and tie. No Mercedes-Benz pulling up to your driveway. I'm not here to impress. You. With me. I'm here to simply show you product that. Nobody else is going to show you and give you guarantees that..
"seven percent" Discussed on MyTalk 107.1
"Once a week forty seven percent say every other week. That's you guys. Seven percent, do not clean the bathroom. Time in my life where he'd probably didn't wash very much in the beginning. But Bradley, you know, better. So you do better. It's true. That's nasty. Okay. Now, listen, either made people feel better. Okay. You probably should when we come back. We've got celebrities behaving badly and one of these celebrities is getting a rebate for the exact same thing. Everything. Entertainment. Hey, guys, Bradley here for my good friends at California closets. Californiaclosets lick release saved our home. Why? Well, look, you know, hold homes, especially in south, Minneapolis. There wasn't a lot of closet space old people didn't have closets. Why much they knew something? But things have changed changed and tastes change. The good news California closets is here to help. In fact, they were able to give us organizational systems in our home and five different spaces really increased the amount that we could store in those limited small awkwardly shaped spaces, so an extra bedroom closet. We were able to triple the amount of stuff. We I would honestly say we probably really of shoes coats were able to now get in that. 'cause it on believable. But only California closets was able to do it and do it professionally and do it. According to our taste in style. And do it in.
"seven percent" Discussed on Anderson Cooper 360
"Eighty seven percent of them voted for him. He has basically saying to them you gave it to me not belongs to me no longer responsive to you. You may want that you may want me to go. But I won't because it belongs to me. Right. So that that is a very personal choice that he's making superseding any discuss from other black legislators in that in in in Virginia. And also, I believe from black voters in Virginia. And I think that blind voters have to look at that very seriously and say, this is what happens, right? So that that that you the people can racist who hate you. Also this wants to help you. I've been writing a book it I've been reading a lot about people who you know, abolitionist who also white supremacists. They did not believe in slavery whatsoever. And in fact, many of them in the war put their life on the line. So that there would be no more sleighs. And they absolutely did not believe that you were the same as them. They you not deserted say respect is them. Do not deserve to live in his community as them at all those two things exist, and that is a kind of a walking reality that black people find themselves in in America, whether they under kind of open, the express it or not that it's not just the people hate you who can be insensitive to you. And now you have to start going to the polls and making kind of specific demands about how you expect people to respect you at how much this closure you expect for them to have it when it comes to offending you care..
"seven percent" Discussed on WCBS Newsradio 880
"Seven percent, south west wind, the ten minute upper forty s for this afternoon. And if you're getting a bit seasick or maybe heartsick watching what's happening on Wall Street these past couple of weeks, we can tell you right now. Dow futures are pointing to an open close to three hundred points higher the mix of makeup and trains of New Jersey transit is unleashing. A new round of outrage writers are wondering why empty coaches are running in front of locomotives NJIT is explaining that cab cars equipped with positive train control are being run at head of locomotives like PTC, but riders are fuming the doors in those head end cars are locked forcing them into the jam packed cars at the rear of the train still one writer tells CBS he's happy that NJIT is using the new stuff. It's good to know that they're trying to do something to the safety of mass. Transit because I don't take it much. But when I do take Alex know that I'm safe NJIT says for safety and operational reasons. And they words these PTC quipped cab cars that are being run in front of the locomotives will be running empty for the time being w CBS news time nine twenty two. Not a genetic outlier. I'm Pat fine act with the WCBS help wellbeing report sponsored by valley health system enhancing, the health and wellbeing of northern New Jersey. We hear a great deal these days about how genetics don't have to be destiny. That's the message and workout Queen Jillian Michaels new book, the six keys, six body processes that either work for you or against you. They can turn the key, and you have Alzheimer's cancer, gray hair, wrinkly skin, a big belly. How do we turn these keys in the opposite direction? So that we're aging. Wow. I mean at forty four I have no gray hair. I wake up with zero aches and pains, not a genetic outlier. The reality is. That there is a lot that we can do no matter who you are no matter how much money you have no matter how much time you had to turn these things around. So that you look and feel great well into your forty fifty sixty seventies..
"seven percent" Discussed on Newsradio 1200 WOAI
"Seven percent on you Nishel, deposit some of your accounts, can even, increase your income up to one hundred percent if you need it. For. Long term care my number is eight six? Six seven four nine. Seven two three three if you'd like my, free safe-money information kit and one hundred fifteen page safe-money book call me now eight six. Six seven four nine safe and I'll handle over to you I know many of my listeners right now are thinking I have never heard of safe-money products from the financial cable shows or my financial planner y'all so might be thinking this must be too good to be. True I. Hear you and I understand your concern but let me assure you the reason you have not heard about these safe-money products. Is not because they don't, exist, is, because, they don't, pay, agents, commissions out of your pocket from high fees year after year I get paid. Once from they rated companies and, I, never, get, paid, again and, nothing comes out of your money These products also don't make very good television they go, up at the market gains and they never go down with market losses these products are way too boring for TV TV personalities can't get paid their huge salaries unless they can fool. Their audiences into thinking that they really know. What they're talking about you only need lots of makeup and hair stylists to convince. People to risk their money in the market My approach is much different no fancy office no suit and tie no Mercedes-Benz pulling up your driveway I'm not here to impress you with me I'm here to simply show you a product that. Nobody else is going to show you and give you guarantees that nobody else will, tell you about. I understand that the first step. You take with me is just to, get information may save, money information kit is yours. To keep and if what I, have to offer you doesn't, interest you then we'll depart. His friends that's why always. Have to say, I don't sell safe-money. Counts, people buy them from me This is your retirement money and don't let anyone else convince you otherwise I've helped my clients move millions of dollars year after year and not. One of my clients has ever lost a penny due to market downturn they have, all made the. Choice to take control of their. Retirement future and retirement income for the, rest of their life, and stop rolling the dice. On their financial future isn't it, time you base your retirement..
"seven percent" Discussed on WRKO AM680
"Safe Howie, Steve what's, the poll, question what are the results less far who. Will be the democrat nominee in, twenty twenty. Willoughby Kamala Harris Bernie Sanders Joe Biden Elizabeth Warren, Cory Booker, Kirsten gillibrand or someone on that list I'm gonna say Elizabeth well, I'm, gonna say former Senator Elizabeth Warren them hoping she. Loses in the fall seventeen. Percents Elizabeth Warren. She's the front runner amongst the candidates. That we've listed out ten percents. Say Kamala Harris nine percent say Biden seven percents a Sanders seven percent say Cory. Booker just three percents a gillibrand forty-seven percent. Think it's going to be somebody else on. That who's not on that, list. Somebody under the age? Of eighty some are seventy-five all right let's take a couple of calls here eight four four or, five hundred. Forty two, forty two, bell you're, next with, Howie Carr go ahead bell Yeah I just wanted to thank you for having the most intelligent. Stowed today on Newsmax TV with Pat Buchanan and I would hope that all the other shows on Newsmax, would take a cue from you and put him? On there because he had the most intelligent thing. To say, on Newsmax TV today so I want. To thank you again, for having. A great, show thank. You, and this is, the best column I think Pat written in months and he, goes down, that whole. Laundry list of stupid moves that we made that just kind of antagonize, the Vladimir Putin, the Russian bear and you, know Glen Grunwald. The the left winger who, was on another show earlier. Today he made the point to between the US and Russia that's ninety percent of the. World's nuclear weapons now isn't it. Better that they're. Talking to. Each other we're talking to them and they're talking, to us you know he's Trump said this before. He left he said he. Said better relations With Russia is a good thing not a bad thing I mean it seems self. Evident isn't that what the Democrats told us for all these years. And now. Now they now they see that they can, they think they can, score political points I don't think they can so they they're they're willing to to bait the bear thanks for the call bell Arthur you're. Next with time, okay we'll keep going with us we come back eight four four or. Five hundred forty two forty two we have a guest on the way but the traffic is really bad, in this monsoon this afternoon so we'll just keep? Going with us we got a lot more stuff. To get, to eight four four five hundred forty. Two forty two I'm, Howie Carr.
"seven percent" Discussed on 790 WAEB
"You up to seven percent guaranteed annual growth and income that you can never outlive so if that doesn't give you hope i don't know what will for some of you it's hard to have hope and i feel for you i have spoken with many a person who wished they would have been my clients fifteen years ago many a times i have some of the it says where were you ten or fifteen years ago instead of instead of today so they feel like failures but they shouldn't they were simply misled by the promises of brokers friends neighbors and the media telling them the work hard put your money in a mutual fund diversify and everything's gonna be just okay okay you're going to be in talk on what failed is a promise that never should have been made in the first place you know sometimes failure is like an elevator so i'm sure you can remember times when everything seemed to be going great with your retirement maybe you feel that way right now it's so it's like riding an elevator heading straight up to the penthouse every day you wake up and you're on a higher floor in fact your retirement money is doing so well you don't even pay attention to what floor you're on by then all of a sudden you had that sinking feeling you know what i mean we we we've all felt that feeling when the elevator i starts to drop and our stomach goes into our throat so when you're elevators starts going down when it's supposed to be going up it's really not a feeling that anybody likes it's kind of like the unexpected turbulence on an airplane flight and we all know what that feels like it's not really great it's very disconcerting so before you know.
"seven percent" Discussed on Wall Street Business Network AM 760
"That on for them for themselves and we'll just sort of the low server story in that regard you know because we do that our default rate is point seven percent which is in our industry is extremely low in the microfinance world you know that the typical default his fourteen to fifty percents and so the point seven percent is significant is happening and so it's a one thing that's happening is know we're basically acknowledging the social trust they know that that comes with this communities and they're really trusting us nonprofit dr services loan and so because of all of that you know everybody's sort of falls through with a commitment to paying dina japan that the lows forward and how much scepticism if any did you encounter jose when you went to the credit bureaus and said we've got a little bit of a different take here did they immediately embrace it or did you have to sell them on it you know one of the things is that this activity there's a lot of people that benefit from it you know one banks financial institutions benefit from this because we're expanding the pool of eligible bars for them and so they wanna see more even the credit bureaus they actually benefit from this because we essentially you know bringing light to an activity that was invisible for them and we're standardizing it took so that actually fits into the credit bureau you know system and so so there wasn't any any pushback at all i mean we had to sort of formalize it right so we had to come up with a promissory note in every legal document that clearly dictated exactly what was happening and in through that promissory note you know we we made this as a former loan for that it could be reported to the credit bureaus so there really wasn't auto pushback from them i mean really a conversation intellectual conversation with a lot of lawyers they didn't understand what was happening but how to clarify except in any great detail you know this this was bonafide financial activity you know that maybe they didn't look exactly like the way we traditionally do it you know but but it but it still was bonafide financial activities.
"seven percent" Discussed on KTAR 92.3FM
"Krill oil sixty seven percent more krill oil so fantastic for the joints you get the high omega three fish oil vitamin d and there as well as this anthem for extra antioxidant power and protect that rain protect your memory facilitate that quick that youthful thinking that's so fun to have when you when you feel shark when you could bring his working great you have that brain energy it's more fun it's more fun to be in a conversation you feel better you'll wake up a bit you have that energy you feel mentally alert you feel alive that's the way i wanna feel that's the way young people feel that's why we put this in this krill omega fifty plus we want people to feel younger we want people to maintain their youthful vigor and attitude and that's what this krill omega fifty plus he's all about i gotta tell you doctor levin i take the krill omega fifty plus and one of the things that i absolutely love about the pills and it's so small i mean it's so easy to take and so much better than trying to swallow one of those omega three horse bills the bigger ones anyone can do these with ease and that's what's great about it tell us how did you supercharge this formula while at the same time shrinking the capsule size how do you do that it's so so amazing this is really a breakthrough stephen i mean her those of you that are picture during this huge omega three pill it's not like that these are tiny they're so small anybody can swallow these my son corey has trouble swallowing pills he gets he's down like they're nothing they're much smaller they're easy to swallow and now with our lemon lock flavor system which i didn't even talk about before you open the bottle up stephen smells like lemon we.
"seven percent" Discussed on 77WABC Radio
"Krill oil sixty seven percent more krill oil so fantastic for the joints you get the high omega three fish oil vitamin d in there as well as this anthem for extra antioxidant power and protect that brand protect your memory facility quick that youthful thinking that's so fun to have when you when you feel sharp when you could bring his working great you have that brain energy it's more fun it's more fun to be in a conversation you feel better awake at a bit you have that energy you feel mentally alert you feel alive that's the way i wanna feel that's the way young people feel that's why we put this in this krill omega fifty plus we want people to feel younger we want people to maintain their youthful vigor and attitude and that's what this krill omega fifty plus is all about i gotta tell you doctor levin i take the krill omega fifty plus and one of the things that i absolutely love about the pills and it's so small i mean it's so easy to take and so much better than trying to swallow one of those omega three horse fills the bigger ones anyone can do these with ease and that's what's great about it tell us how did you supercharge this formula while at the same time shrinking the capsule size how do you do that right it's so so amazing this is really a breakthrough stephen i mean for those of you that are picturing during this huge omega three pill it's not like that these are tiny they're so small anybody can swallow these my son corey has trouble swallowing pills he gets these down like they're nothing they're much smaller they're easy to swallow and now with our lemon lock flavor system which i didn't even talk about before you open the bottle up stephen smells like lemon we lock in the freshness.
"seven percent" Discussed on 77WABC Radio
"Krill oil sixty seven percent more krill oil so fantastic joints you get the high omega three fish oil vitamin d in there as well as this anthem for extra antioxidant power and protect that brand protect your memory facilitate that quick that youthful thinking that's so fun to have when you when you feel sharp when you could bring his working great you have that brain energy it's more fun it's more fun to be in a conversation you feel better you'll wake at a bit you have that energy you feel mentally alert you feel alive that's the way i wanna feel that's the way young people feel that's why we put this in this krill omega fifty plus we want people to feel younger we want people to maintain their youthful vigor and attitude and that's what this krill omega fifty plus is all about i gotta tell you doctor levin i take the krill omega fifty plus and one of the things that i absolutely love about the pills and it's so small i mean it's so easy to take and so much better than trying to swallow one of those mega threehorse fills the bigger ones anyone can do these with ease and that's what's great about tell us how did you supercharge this formula while at the same time shrinking the capsule size how do you do that right it's so so amazing this is really a breakthrough stephen i mean for those of you that are picturing this huge omega three till it's not like that these are tiny they're so small anybody can swallow these my son corey has trouble swallowing pills he gets these down like they're nothing they're much smaller they're easy to swallow and now with our lemon lock flavor system which i didn't even talk about before you open the bottle up stephen smells like lemon we lock in.
"seven percent" Discussed on Intelligence Squared U.S. Debates
"Today it is now seventy seven percent now those numbers could improve but guess what they were done without paying a single die of pay for play you've heard from the opposition fair value of college athlete so you will how 'bout focusing on value we education fairly for people of color particularly black athletes education is resistance what better going to agree to help you prepare and resist the ravages of racism in a world that essentially as hostile to you because of the color of your skin it's time we've you'd pay for play as a sarcastic deterrent and pay off to deter that type of resistance the corruption and college sports than we probably will touch on has its roots fueled by money but rather than destroy those routes for played deepens them every ill that has been mentioned and we'll be mention by the proponents have pay for play can be cured by controlling spending continued academic reform and assuring that directs commercial success in yours to the benefit of the college athlete first and foremost their health safety and welfare not by substituting a fix in amounts that probably will have less impact than an earned agree on the lives of these athletes and for that reason i urge you guys to vote no on this proposition thank you leno mark i'm john dunn van round one of this intelligence squared you estimate continues in just a moment andrew reminder of where we are we are halfway through the opening round of this intelligence squared us debate i'm john done then we have four debaters two teams of two debating this motion pay college athletes you've heard the first two opening statements a now onto the third here is jonas sarah he is bloomberg view columnist and co author of indentured the inside story of the rebellion against the nc aa ladies and gentleman jono sarah.
"seven percent" Discussed on KGAB
"Can provide you of up to seven percent guarantee daniel growth and any income that you can never out late of if that doesn't give you know and i don't know what will for some of you it's hard to have hope i feel for yeah i've spoken with many a person who wish to they were my clients years ago instead of today some of them feel like failures but they really shouldn't they were simply miss led by the promise as a brokers friends and the media telling them that to work hard put your money and mutual fund diversify and everything's going to be okay well what a held is a promise that never should have been made you know sometimes fail years like an elevator i am sure you can remember times when everything seems to be going good with your retirement maybe you feel that way now it's like writing on an elevator heading straight for the penthouse every gate you would wake up and be on a higher floor in fact your retirement money is doing so well you don't even pay attention to what floor you're on but then all of a sudden you feel that sinking feeling you know what i mean we have all felt it when the elevator for starts to drop are stemming goes into arts wrote when year elevator starts going down when it's supposed to be going up it is not a feeling that anybody likes it's kind of like the unexpected turbulence that you have on an airplane flight so before you know what you're elevators dropping so fast it's all you can do to hold on your brokers telling you i don't worry the market will hit a bottom you might also year this is a great buying opportunity well guess what this is the same thing they taylor clients every time the market drops so the good news is that the elevator rarely drops without stopping on a few floors along the way the problem is that hardly anybody gets up the elevator maybe they hope it will start going back up it's kind of like they game blur that's waiting for the next big and he sees his stack shrinking but thanks you know how if i can just hit the right cards everything's going to be okay so isn't that when you're brokers telling you to do he is not saying it in those words but nevertheless he's tell you know wait for the next hand.
"seven percent" Discussed on KGAB
"Can provide you of up to seven percent guarantee daniel growth and any income that you can never out live if that doesn't give you know and i don't know what will for some of you it's hard to have hope i feel for yeah i've spoken with many a person who wish to they were my clients years ago instead of today some of them feel like failures but they really shouldn't they were simply miss led by the promise as a brokers friends and the media telling them that to work hard put your money and mutual fund diversify and everything's going to be okay well what failed is a promise that never should have been made you know sometimes failures like an elevator i am sure you can remember times when everything seems to be going good with your retirement maybe you feel that way now it's like writing on an elevator heading straight for the penthouse every gate you would wake up and be on a higher floor in fact your retirement money is doing so well you don't even pay attention to what floor you're on but then all of a sudden you feel that sinking feeling you know what i mean we have all felt that when the elevator first starts to drop are stemming goes into arts wrote when year elevator starts going down when it's supposed to be going up it is not a feeling that anybody likes it's kind of like the unexpected turbulence that you have on an airplane flight so before you know what you're elevators dropping so fast it's all you can do to hold on your brokers telling you don't worry the marketable hit a bottom you might also year this is a great buying opportunity well guess what this is the same thing they taylor clients every time the market drops so the good news is that the elevator rarely drops without stopping on a few floors along the way the problem is that hardly anybody gets up the elevator maybe they hope it will start going back up it's kind of like they game blur that's waiting for the next big and he sees his stack shrinking but thanks you know how if i can just hit the right cards everything's going to be okay so isn't that what you're brokers telling you to do he is not saying it in those words but nevertheless he's tell you know wait for the next hand.