17 Burst results for "Sixty Five Sixty Six Years"

"sixty five sixty six years" Discussed on TalkRadio 630 KHOW

TalkRadio 630 KHOW

07:27 min | 1 year ago

"sixty five sixty six years" Discussed on TalkRadio 630 KHOW

"Payments you can take a long now and then you can make regular month loans whatever in and I do have some questions on it we'll get to but I want you to call because as we always open the hour we usually have some lines open at three oh three seven one three talk three oh three seven one three eight two five five and one of the things we talked about with hiring and I specifically mentioned that you hardly ever see new hires fifty five or older in almost any industry now they're obviously are exceptions and I mean exceptions meaning you'll see somebody here and there you do see people age in jobs but well you know really I said like look at channel nine channel for fox and I'm I'm I'm or any of them channel seven I'm I'm mentioning these only because that's the trade I came from a managing them hiring a brand new hire fifty five or older truly a new hire no you really don't see it you you might see some recycling you might see people aging in place but you don't see truly new hires then what about what about other industries like this one guy said do you see people actually hired in brand new positions now especially in positions where they meet and deal with the public but even in other positions and especially your sixty it gets even lower and lower there are exceptions but most of the time you don't see it so Lee you have a comment go ahead Lee hello John hi Lee hi Hey this is a retired truck driver Lee now when did you retire I did that may fifteenth at what age at seventy one Chile shoes you ought to come in and say hi now that you're retired and you wanted to you wanted to make observations about people hiring I could be a common man yeah I would I would love you to come and tell what observation did you wanna make on on hiring yeah well and you just kind of covered your self they're pretty good I don't like to disagree with it because you're ninety nine percent I don't I don't mind if you do go ahead what what which part did you did did they hire truck drivers at fifty five are you kidding they did they come out looking boy all they do okay so is that one of the and just what you say that is one of the industries that relishes older age yeah but those are people that already have a CDL and have been driving well you know they're not mark mark they don't most of these companies don't hire anybody unless you've got it you've got all of his okay experience and credentials I get which makes what you're saying if you have everything being equal they will go toward an older truck driver yes same with realtors okay why is that well it depends there again on the kind of work to do for the first twenty five years that I worked I was doing inside deliveries and so on on the Denver tech center all the time obviously they wouldn't hire an older person to do that but for the last fifteen or twenty years I did nothing but run up and down the highway up and down the lines you're saying is that there's a certain amount of maturity they look for so Lee why don't you wanted to talk to us is and where where do you hang out usually what part of town or what part of the state well I live in Littleton come on in man come on in anytime you want say hi truck driver leave been listening for years now listen you know as I said there are going to be exceptions but I really get tired of people who who just think that people are ready to cash it in now a lot of people are now I also understand this putting in time and energy to train someone if they're going to retire in two or three years that that's you know let's face it that's tough right but then at the same time what about these younger people you spend time to train and they're on their way up I mean either way not many people make a stop anymore on a job for ever most of the time it is a job that they're on their way to another job most of the time I mean not many people have their own thing right if you have your own thing then of course you probably will tend to stick to it but does it you know how many people have that privilege right so what I'd like to know are there people right now fifty five or older that want a job I'd like to now for the hell of it and you found it difficult no one's ever going to say it's because you're too old I think in a new industry I agree with you a hundred percent but if they have a ton and a let's say they retired even at sixty five they get bored they want to go back in and be a realtor again or be a truck driver again I would say they'd probably find a job easily because they're already trained ready to go yeah performance will always I think trump everything right when it comes to the news like you were talking about I can't think of one example where a man has been hired after fifty five years or a woman you won't find one or a woman yeah I can't think of you will not find one yeah if you took any other demo and said not one has ever been hired they would get in trouble they what but no one goes in and says the people do go in and say where is the black on your staff where the blacks where are the Hispanic people on your staff where are the women on your staff you never have anyone advocating saying going in and saying where are the people firstly I hold where's all no no they can point to people really nice people who've age in place I mean yes and they what they're afraid to fire them they were not going to fire them but you will not you will not see brand new hires yes well Joe cana with become the banker has job you know what I mean you're absolutely right I mean we had a we had an administrative assistant yes but you know what young wonderful educated yeah is she left for a better for another position right now I hire somebody that was sexually what's almost sixty five sixty six years old and wow a master's degree yeah that is willing to stay good he doesn't need to be looking for another right all right that's right and I wanted to have a stability so he's to be no he's he's doing wonderful how god I gotta tell you though that so that's good I mean I think there's value in that my account hires a lot older tax prep people come that's yeah well yeah because first of all the dope tax prep people that the more experienced the better they're not really dealing that much with people here's another in their part time here's another thing that I even hate to get on but it's just true when you got to say it more attractive people have advantages it sucks I have seen attractive young to middle age women and young attractive man in a middle aged man young to middle age get way farther ahead I've never had you don't and they don't necessarily have better ability I've never found that a big advantage I know you didn't for sure you don't have to tell you that we hi he thought he was going to make a joke I made more funny we got more coming right up here's a tender little tale fresh from the trail about.

sixty five sixty six years ninety nine percent twenty five years fifty five years hundred percent twenty years three years
"sixty five sixty six years" Discussed on KNX 1070 NEWSRADIO

KNX 1070 NEWSRADIO

02:59 min | 1 year ago

"sixty five sixty six years" Discussed on KNX 1070 NEWSRADIO

"The sexual assault happened while Rodriguez was off duty at LAPD headquarters Craig figure can extend seventy newsradio only police protective league issued a statement about the arrest saying if those allegations are true this officer's conduct is sickening and he should serve a long prison serves a also says police officers are sworn to protect people not a problem it's a case in LA county sheriff's detectives spent desperately want to solve because the guy so brutal and his victims are so random but they have no leads and they're asking for the public's help the victims random his first one at twenty three year old college student walking from her front door to our car for no reason he beats or with a large hammer she severely injured LA county sheriff's lieutenant ed Alvarez says the second victim was an elderly man also walking to his car it was about sixty five sixty six years old at the time and he suffered some grievous injuries for it took him a long time even to recover to get out of the coma those attacks happened March twenty fifth of twenty sixteen in east LA on the corner of trades in Bondi beach place neighbors described the suspect is a two hundred pound middle aged Hispanic man with ago T. he drove a nineteen nineties dark Toyota Tacoma pickup with an extended cab even though it's close to being three years old we still never from god and we like to solve these crimes anally Valdez can extend seventy newsradio we have a composite sketch of the attacker and a photo of his pickup truck on our website in check that out it can extend seventy dot com and employee and a triple play a restaurant in Newbury park kind of big scare when SUV smashed into the restaurant it stopped just two feet away from that worker inter county sheriff's captain Eric Paschall tells can X. that S. U. V. came off the one one freeway went completely inside the business fortunately wasn't open at the time they open at ten thirty so they can open for business it's going to put a stop to drivers had her accelerator got stuck wells from below the equator are generating risky conditions on south facing beaches from resume at a Manhattan Beach county lifeguard captain HA Lester says the waves can be causing problems for swimmers not used to the conditions so we have a three to four foot southwest's well which is basically just increasing the chances of rip currents along all of our south facing beaches down here and they have been busy with rescues up and down the coastline we had quite a few rescues we've also had an increase in recurrence all up and down the coast so we always ask that you check in with the life guard and go in front of an open lifeguard tower when you swim these conditions are due to storm system south of the equator the local high surf though should start easing Thursday of back to perfect conditions for swimmers for the weekend in Santa Monica P. Dimitry okay an extensive any news radio well think kind of a wild morning that's for sure had a lot of sick alerts still have the situation out of the new hall pass for had a fatal out there in Costa sealer on on the five the fourteen of the two ten in that general area more than all the rest of traffic coming up in just about three minutes we check traffic before fifty.

assault Rodriguez LAPD sixty five sixty six years twenty three year two hundred pound three minutes twenty fifth three years four foot two feet
"sixty five sixty six years" Discussed on WBT Charlotte News Talk

WBT Charlotte News Talk

04:13 min | 1 year ago

"sixty five sixty six years" Discussed on WBT Charlotte News Talk

"Maybe even clients that have hit a milestone like that. My grandfather and grandparents they lasted fifty seven years before they passed away. Oh, that's awesome. That's where I got my main from. But there's a client, Joe and Angeline they celebrated a year and a half the seventieth wedding anniversary, and it was incredible that they've worked together. I mean Joe passed away last year at the age of ninety one. Andrew still with us at ninety three but seventy years together four kids, wonderful life and the things that. They did. And I was blessed naked scientist say, I was blessed to have known them. Well still know them since two thousand I mean, Joe they will they came to my wedding. Veronica is wedding in two thousand and four. He's been a client since two thousand six it's just watching what they did in watching them coupled. Together is what life is all about. Just the holding hands looking at each other. The knowing everybody knowing that both things, and it's just it's a wonderful feeling. It is a wonderful thing and something to be celebrated seventy years. I mean sadly we don't hear stories like that too much anymore. That's why I think it's important to talk about those and celebrate that and hopefully listening today. You are married a long time and very happy. Or maybe you're like some of the rest of us out there, you're single, and you just haven't found the one that's okay too. And I tell you one thing that really matters when you're married is figuring out social security, and what are the more complicated retirement decisions we make in general, is when how to claim those benefits, rob Krahn of black rock tells the? NBC that there are some major differences between the claiming strategies that are available to couples versus those that are available to single people for individual benefits, those have quite a bit of flexibility, because you can take them early at a reduction you can also wait for them. And they'll get bigger these other benefits though these spousal survivor benefits, they will go down. If you take him early what they don't get bigger if you wait on them and for couples, it's how you sequence those different benefits than really determines, how much money ultimately get out of the system. Okay. He mentioned, the importance of couples sequencing their benefits. What does that exactly me it's like a layering strategy? But I mean when we talk about social security, that everybody's situation, we've been talking beating this up of show, long, about social security is it's an asset. It's a lifetime income that's biggest decision. And for generally, Kristen out their social security, believe it or not is one of the biggest asset you own in your life. And you just don't know that would be my house or something. Do you have your house? Do you have your 4._0._1._K, but I'm just going to do it in a little scenario, and then Al excuse me say, let's say you're single which you are. Unfortunately, I don't know how to artists friendly as you are. But let's say you're sixty two years old, and you start taking social security out. And that's going to pay you this just make it simple. Two thousand dollars a month twenty thousand dollars a year ten years. It's two hundred forty thousand twenty years. It's, it's a half a million dollars when you hit the ninety years old, you're pretty close to about nine hundred thousand dollars of money, taken out of social security, including no increases whatsoever. Just as a single a single individual person. So Christian you're looking at this, and they're getting tonight hundred thousand dollar social security benefit for that thirty for thirty years, generally speaking, most people houses are not worth nine hundred thousand dollars. Right. Generally speaking, I've met a lot of people, they don't have a nine hundred thousand dollar four one K. They're both ways or so forth. So, basically social security is potentially one of their biggest assets. That's true. And that's something that, you know, the truth, we run our social security is Asia report is how to maximize social security benefits for you to make it work for you because every single person I'm meet with this huge asset that you've been working life to receive gotta make it worth your wild. Now a lot of people taking a sixty two when they don't need to take just because they say, hey, it's my money. I want it now. Right. Versus waiting to sixty five sixty six years old, getting a higher total. And again, they're taking it. They don't need it then. And then there's a lot of people waiting till seven years old seventy have to start taking it, but with a secure act that might change a little bit. Who knows? Down the road. What it's going to happen. I mean they still going to get that increase every year. We don't know it's the unknown out there. But if you're utilizing social security, the way, it's supposed to be, it's a supplement to your income, it's a guaranteed income that you're never gonna outlive. It's basically the nudie but it's supposed to supplement..

Joe rob Krahn scientist NBC Veronica Andrew Angeline Kristen nine hundred thousand dollars seventy years two hundred forty thousand twe nine hundred thousand dollar sixty five sixty six years hundred thousand dollar twenty thousand dollars Two thousand dollars fifty seven years million dollars sixty two years
"sixty five sixty six years" Discussed on 77WABC Radio

77WABC Radio

06:20 min | 1 year ago

"sixty five sixty six years" Discussed on 77WABC Radio

"We have our certified financial planner Michelle McKinnon on the program this morning, where she could actually review and breakdown, someone's real retirement plan for you. So let's hop to it. Bob. I thought today we could discuss some of the current demographics of what retirement looks like in the US and how some of these staff. It's may play a role in your own financial planning a big one is people over the age of sixty five curly makeup thirteen percent of US population, but by twenty thirty that's going to go all the way up to twenty percent of the population. We're going to have a lot of baby boomers retired over the next ten years. We may only be twenty percent of the population retired, but we feel like we're sixty seventy percent in terms of value. You know, there's no shortage of competence amongst the baby boomers. Bob, I'll give you that I said, we are very important generation. And if you not certain just ask us, but you know what the thing that's happening just like me next week is the baby boomers are hitting sixty five sixty six years old. We're we're getting old quickly but you're doing a great fleet barbs that's the key. That's the key. And, you know, one of the big decisions you're gonna have to make a new, you're making this decision right now is to I wait to take social security because typically at age sixty six depending on how old you are. You can get your full retirement benefit now but you get a larger benefit later, but the concern is with so many people retiring who says the government can't keep pushing back those benefits Bob and maybe better to take it sooner than later arriving going through this exercise with, you know, many my clients who are my age or older, and just looking at it for myself and mom to decide whether we're gonna take social security while working we're gonna wait till later, mature spousal benefit should I stay. On the company plants I go on Medicare, you know how should I take the pension that I'm titled to take it through as the spousal benefit? You know where there's a, a death benefit a lot of decisions have to be made and without any type of a plan. It's almost impossible to make a rational decision. And I think the key here is there's no hard fast rule of thumb, right? We always say we hate rule thumbs when it comes to retirement planning, because it is very customized. What makes sense for you? Bob doesn't necessarily make sense for one of your clients, or anybody else, because everyone's situation's different. You really have to look at that in your specific plan and not look at it in a vacuum and social security alone. You can take it one hundred different ways. So you really really need to hash those numbers out. Another cater that everybody gets the maximum. They're entitled to right. And that's why you need to sit down and do a plan and run those projections every year because, you know, if you make one bad decision that could be hundreds of thousands of dollars. Yeah. Literally hundreds of thousands of dollars. So you want us to town. You want to run those numbers another. Tissot. Bob is if you're a sixty five year old male today. Just like you, your life expectancy is actually age eighty three. But if you live the seventy five all of a sudden, your life expectancy goes up by three years to eighty six, and if you're a female, and you're sixty five right now you can expect to live to eighty five and if you're seventy five year old woman. Well, guess what? You got a plan to live to least eighty eight almost ninety years of age. So the bottom line is Bob, and I know this with our practice of big adjustment. We've made is you have to plan for longevity. Now, you can't plan for short retirement. Yes. So true. Right. I sat down with a client of mine the other day, he said have sixty five but I feel like eighty six up. That's what I'm fighting a lot of you feel like you know that you're not gonna live as long and retirement because your parents it. Well, guess what? We're healthier. And a lot of people are very fatalistic about how long they're gonna live. So you need to play. What if what if I live to eighty six? What if I lived in ninety what if I lived to one hundred right, right? The fastest growing portion of the population is people that lived to be over one hundred. Yeah. Bob, and I think that the biggest risk you have now that your parents didn't have is the, the risk of running out of money because along jeopardy because not only do you need your money to last longer. But if you live longer that means there's going to be more medical expenses. Right. That's more healthcare costs. So there's a lot of things that your your parents didn't have to worry about that you do. And you have to put these things into your plan, and you have to factor in that long jetty. It's really, really critical. Why have the stress of not knowing? Right. So simple to run these. What if scenarios, and what I found that most of you are in great shape, and you just don't know it, but you sit down every night worrying about it. You know, why wearing when you can know above another stat is if you're over the age of sixty five right now the current breakdown of your income generation is thirty seven percent is from social security, which is a lot. Think about it. Thirty percents from working at sixty five. So most of us are still working nineteen percent come from pensions most vis aren't going to have one of those and the other eleven percent is from your savings and investments, so, by that means that if you're over sixty five right now, one third of your income is actually coming from social security. Yeah. So true Ryan thing is when you get your social security statement, which I read a few for my clients, it says, right on there. You know, a couple of years we're going to run out of money. You're telling the recipients right now. You're gonna run on money now to believe that any baby, boomer will not get what they're entitled to. But you wanna make sure that you have more than just social security. Can't live on so secure. Yeah, the key is, and I think this is what the modern retirement needs to look like is, is to generate income from a lot of different. Sources right Bob. I mean, the thing we look at all the time is we talked about this on the show is filling in that income gap. And that means when you stop working, you know, you're gonna get your social security, but what's that gap between social security and what you need to live on. And how do you feel it? And how do you create a portfolio of investments that can generate enough income to fill in that income gap? So you don't chew into your principles, very critical. The second point you made is, is really something that I've been paying a lot of attention to you think thirty percent of your income's going to come from working until you're seventy. Well, you know, a lot of you who are my age or older. You know, we're losing friends every day to diseases. We never heard of before, and a lot of people who had planned or thought, yeah. I just keep working. You know, you can't keep working, if you're not healthy or you have an illness or your company goes away. So, you know, yes. Sure, why not, you know, have a plan to keep working, but let's have a financial independence plan as opposed to a retirement plan. Yeah. You need to know you can generate the income, if you can't work..

Bob US Michelle McKinnon Medicare Ryan twenty percent sixty five sixty six years sixty seventy percent thirty seven percent seventy five year nineteen percent thirteen percent sixty five year eleven percent thirty percent ninety years three years
"sixty five sixty six years" Discussed on 77WABC Radio

77WABC Radio

06:20 min | 1 year ago

"sixty five sixty six years" Discussed on 77WABC Radio

"We have our certified financial planner Michelle McKinnon on the program this morning, where she could actually review and breakdown, someone's real retirement plan for you. So let's hop to it. Bob. I thought today we could discuss some of the current demographics of what retirement looks like in the US. And how so many stats? May play a role in your own financial planning a big one is people over the age of sixty five curly makeup, thirteen percent of US population, but by twenty thirty that's going to go all the way up to twenty percent of the population. We're going to have a lot of baby boomers retired over the next ten years. Well, you know, Ryan, we may only be twenty percent of the population retired, but we feel like we're sixty seventy percent in terms of value. You know, there's no shortage of competence amongst the baby boomers. Bob, I'll give you that I said, we are very important generation. And if you're not certain just ask us, but you know what the thing that's happening just like next week is the baby boomers are hitting sixty five sixty six years old, we're, we're getting old quickly, but you're doing a great sleep ops. That's the key. That's the key. And, you know, one of the big decisions you're gonna have to make any you're making this decision right now is to I wait to take social security because typically at age sixty six depending on how old you are. You can get your full retirement benefit now but you get a larger benefit later, but the concern is with so many people retiring who says the government camp, keep pushing back those benefits Bob, and maybe better to take it sooner than later arriving going through this exercise with, you know, many my clients who are my age or older in just looking at it for myself and mom to decide whether we're gonna take social security, while working know, wait till later, mature spousal benefit should I stay. On the company plans, I go on Medicare. You know how should I take the pension that I'm titled to take it through as spousal benefit where there's a, a death benefit a lot of decisions that have to be made and without any type of plan, it's almost impossible to make a rational decision. The key here is there's no hard fast rule of thumb, right? We always say we hate rule thumbs when it comes to retirement planning, because it is very customized. What makes sense for you? Bob doesn't necessarily make sense for one of your clients, or anybody else, because everyone's situation's different. You really have to look at that in your specific plan and not look at it in a vacuum and social security alone, you can take one hundred different ways. So you really really need to hash those numbers out. Another thing that everybody gets the maximum. They're entitled to right. And that's why you need to sit down and do a plan and run those projections every year because, you know, if you make one bad decision that could be hundreds of thousands of dollars. Yeah. Literally hundreds of thousands of dollars. So you want us to town. You want to run those numbers another. Tick, Bob is if you're a sixty five year old male today like you, your life expectancy is actually age eighty three. But if you live the seventy five all of a sudden, your life expectancy goes up by three years to eighty six, and if you're a female, and you're sixty five right now you can expect to live to eighty five and if you're seventy five year old woman. Well, guess what you get a plan to live to least eighty eight almost ninety years of age. So the bottom line is Bob, and I know this with our practice a big adjustment. We've made is you have to plan for long Javadi. Now. You can't plan for a short retirement. Yes. So true. Right. I sat down with a client of mine the other day, he said they have sixty five but I feel like eighty six. So how long? And that's what I'm fighting a lot of you feel that, you know that you're not gonna live as long and retirement because your parents sit. Well, guess what we're healthier. And a lot of people are very fatalistic about how long they're gonna live. So you need to play. What if what if I live to eighty six? What if I lived in ninety what if I lived to one hundred right, right? The fastest growing portion of the population is people that lived to be over one hundred. Yeah. Bob, and I think that the biggest risk you have now that your parents didn't have is the risk of running out of money because along jeopardy because not only do you need your money to last longer. But if you live longer that means there's going to be more medical expenses. Right. That's more healthcare costs. So there's a lot of things that your your parents didn't have to worry about that you do. And you have to put these things into your plan, and you have to factor in that longevity. It's really, really critical. Why have the stress of not knowing? Right. So simple, you know, to run these scenarios, and what I found that most of you are in great shape, and you just don't know it, but you sit down every night worrying. About, you know, why worry when you can know Bob another stat is if you're over the age of sixty five right now the current breakdown of your income generation is thirty seven percent is from social security, which is a lot about thirty percents from working at sixty five. So most of us are still working nineteen percent come from pensions. Most vis aren't have one of those and the other eleven percent is from your savings and investments, so by that means that if you're over sixty five right now, one third of your income is actually coming from social security. Yeah. So true Ryan thing is when you get your social security statement, which I had read a few for my clients. It says, right on there. You know, a couple years, you're going to run out of money. You're telling the recipients right now. You're gonna ride on money. Now don't believe that any baby, boomer will not get what they're entitled to. But you want to make sure that you have more than just social security. Can't live on so secure. Yeah. The key is, and I think this is what the modern retirement needs to look like is to generate income from a lot of. A different sources right Bob. I mean, the thing we look at all the time is we talked about this on the show is filling in that income gap. And that means when you stop working, you know, you're gonna get your social security, but what's that gap between social security and what you need to live on. And how do you feel it? And how do you create a portfolio of investments that can generate enough income to fill in that income gap? So you don't shoe into your principle. It's very critical. The second point you made is, is really something that I've been paying a lot of attention to you think thirty percent of your income's going to come from working until you're seventy. Well, you know, a lot of you who are my age or older. You know, we're losing friends every day to diseases. We never heard of before. And a lot of people had planned who thought, I'll just keep working, you know, you can't keep working, if you're not healthy or you have an illness or your company goes away. So, you know, yes. Sure, why not, you know, have a plan to keep working, but let's have a financial independence plan as opposed to a retirement plan. Yeah. You need to know you can generate the income, if you can't work..

Bob US Ryan Michelle McKinnon Medicare twenty percent sixty five sixty six years sixty seventy percent thirty seven percent seventy five year nineteen percent thirteen percent sixty five year eleven percent thirty percent ninety years three years
"sixty five sixty six years" Discussed on 860AM The Answer

860AM The Answer

01:40 min | 1 year ago

"sixty five sixty six years" Discussed on 860AM The Answer

"That's what I'm finding on just healthcare insurance. Would that be worth coming in for visit? I think it would be worth it. So again, Medicare planning is is what I call the the lost part of the income plant scenario where you look at infant playing software generally doesn't have Medicare planning on it. Okay. When it has on its life insurance long-term care. Well, granted long-term cares issue and so's life insurance. But you know, what folks everybody sixty five years old kinda plan for Medicare everybody. Everybody. Is gonna look at or need to look at some form of a meta gap policy. Now, granted there are covered is out there that don't cost you anything. Meaning there's plans that time, but you're in a network there HMO's and most likely you're going to be some sort of a network, and if you get outside of the network and it's questionable. Whether that coverage is going to be there to take care of you, should you need it. So again, look at all the avenues that you have look at everything combined. What I think I'm really finding out is a lot of people who have health insurance, for example, by sixty five sixty eight sixty nine is still have the same plan that they purchase they've experienced a little bit of growth in that plant meeting, costly lounges adjustments your premiums higher. When I'm finding out is that guys at buck guys. And gals bought at sixty five sixty six years old. If they revisit that policy at sixty eight sixty nine maybe seventy the find that new policy at sixty six seventy is cheaper than buying one than the one. They bought a sixty five because what's been going? What's happening? There's by three to four percent increase per year on some of these things. But when you buy a brand.

Medicare HMO sixty five sixty six years sixty five years four percent
"sixty five sixty six years" Discussed on WBZ NewsRadio 1030

WBZ NewsRadio 1030

08:13 min | 2 years ago

"sixty five sixty six years" Discussed on WBZ NewsRadio 1030

"Ninety three financial group. And we didn't get to a lot of questions. We did a lot of overview, but this is Paul did a lot of talking. It was very informative talk people. Listen. Commercial like that. But this again, very very typical kind of encapsulates everything that we've been talking about an abroad sense throughout the show. And so again, very much what hits everybody some of these same questions very relatable. I'm retiring in three years at the age of sixty six I've got the majority amount in my retirement investments in my 4._0._1._K. My company was merged with another and we now have new investment options. I received a list of the new choices. But when I called to ask for allocation selections, they just say pick retirement date fund based on my age or choose among the other choices. But they don't go further than that. As guiding me, I'm considering transferring this to an IRA as I heard him allowed to do so, but not sure of the benefits or how to accomplish this. So a lot of people that's a common source. Jenner karma. Yeah. I hear this all the time is people. I Finally I did some research a couple of years ago. I picked all the different investments in my 4._0._1._K. I thought. Yep. And then all of a sudden a couple of things happen, you even your current employer might decide to change for. Oh, wait 4._0._1._K custodians. And all of a sudden, there's a holistic investment choices the other scenario we hear quite a bit. Always my my employer got merged with another employer. And we're starting all over again with different benefits and different 4._0._1._K's and reads emails, nobody reads, anything and all of a sudden a choice within thirty days. And then there's a blackout period, why can't make any changes. So like, I said. It's very it's overwhelming and people don't know what you know, what to do. And then when you call up, the 4._0._1._K customer service, a lot of times all they can, you know, they're not really in one way even allowed to really give you a specific advice spine that because a lot of times they'll go I'll just call. I'm just gonna call and they'll say, well, we can tell you what funds are available and what the objective of the funds are. But it's up to you to really decide what to do. And that's why a lot of times. All you're going to hear is all your retirement and five years, you should go into the target date twenty twenty-five fund or the twenty twenty fund and actually a lot of employers do is depending on your rage. The default investment that you will fall into is a target date fund based on your age. And usually the target date funds are every five years like the twenty twenty two twenty twenty five to twenty thirty to twenty thirty five. So say your age, say fifty and your retirement and. You know, fifteen years, or so, you know, you might go into the twenty thirty five or the twenty thirty five on as a default. But that's kind of like the easy way of investing in the target date. Funds may not be the most appropriate as far as the most beneficial in. According to all the other investment choices available in the 4._0._1._K. But we can look at all those choices and go I have. I have no idea. Right. Exactly. So. This, you know, it's your money, and you do have a lot of options available that you might not even know about and having an option doesn't mean it's going to you should do is you should you should know what your options are. So with this individual here where he's retirement and a few years. So he's over the age of fifty nine and a half. So most employees is Joni when you're over that age of fifty nine and a half. That's when you're allowed to withdraw money from retirement account without the extra ten percent tax penalty. But it's also most employees is allow you even if you have a current employer form one k the allow you to roll over all or a portion of your own individual, I era anywhere you want. You know, a few days if they decided to like have helped them we would open up a Schwab IRA and roll it over to that. But if you're still working, you still want to be able to contribute to your 4._0._1._K until you retire so say, you know, if you have three years until retirement and you concern about the lodge balance, you currently have in your 4._0._1._K, and you wanna make sure that it's invested appropriately. You wanna have? You know, more hands on management, and you wanna have you don't wanna be limited to your investment choices and say, you have just for an example, you know, four hundred and twenty thousand in your 4._0._1._K, but you still want to contribute to your former k for the next three years until you retire. Well, what you could do is you could say, well, I'll roll over four hundred thousand to my own IRA. And if you if you do it on your own, it's wherever you want to open up that IRA, but like for our for example with us. Of course, we use Charles Schwab. So you know, we would open up an IRA Schwab, they roll over there four hundred thousand two Schwab. And then inside Schwab, we can virtually invest in anything anything that's available. Of course, we have the investments that we feel are appropriate for our clients. But that four hundred thousand you now know that that's being actively managed with the like, and you we can be more conservative with that depending on what they want because as you get closer to retirement, you want to still grow your money Joni, but you want to conserve what you have times. But we hear from new people coming. That are retiring soon is they'll say, you know, ten years ago in two thousand eight two thousand nine I had co workers that were retiring and they lost half their money, and they had to keep working. I don't want that to happen to me. I worked hard to say this money. How do I, you know? What's the best moves I can make to still grow at you know, to have a good handle on protecting it. Right. So you know, that's a matter of setting up the portfolio, according to their objectives. But am I if I can enter checked isn't the problem for those people who lost all that money was because it was an target date. Not that it was just an attack date fund is they didn't understand the risk. They were taking. So they might have been an attack at date fund. But you know, that target date fund say it was in two thousand nine there have been in the twenty ten fun because retirement in a year, and they thought all the twenty ten fund I need my all my money in a year. It must be all close in the money market. Right. But what they didn't understand is that target date fund. The fund manager looks at that. Like, oh, somebody's retirement and twenty ton that twenty ten the probably around sixty five sixty six years old. So they still hopefully have another twenty thirty forty twenty thirty years. Life. So we we want to still have a good percentage in stocks. So that twenty ten fund might have still had fifty percent of sixty percent in stocks. And the people didn't realize that. So it's just a matter of not understanding what investment, you know. We say it all the time. No, what investments you own and why you own them. So it was a matter of like people coming into to say it coming in to see us today talking about their coworkers. It was a matter of they didn't understand the risks. They were taking right? And then, unfortunately, when they saw their money go down they didn't want to lose any more than they sold if they sold it. Oh, nine then they missed out on recapturing all those losses. So it's it's really it's it's sad that that happened to people when people don't want to happen happen to them today. So when he was get back to that question. So if you have like four hundred twenty thousand you could roll over four hundred thousand to an IRA, you could be more conservative with that. And of course, if they wanted I help we be actively managing that. But the twenty thousand you leave and you form on K Joanie, and you can still contribute. If you max out your 4._0._1._K next year. It's going to be if you're over fifty five. That's going to be put up to forty five thousand a year. You know, we would help our clients. Choose whatever investments are available in there. And if you look at it, if it's only twenty thousand plus the new money going in in the four hundred thousand is the best and more conservatively, you can be more aggressive with your 4._0._1._K. Because of the market is down. You only have twenty thousand down not for twenty. So this kind of like a whole strategy behind that. But the other thing is just because you have an option of rolling it over to an IRA doesn't mean you should do what you really want to look at all the investment options, you have in your form. And key your 4._0._1._K types of investments that performance the fees, and then look at if you roll it over to an IRA, you know, would would that be beneficial for you if you're doing it on your own. And of course, if you want help you want to know how the adviser is going to help you and how they're going to get paid. And all that. So it's just not a quick like, oh, I'm fifty nine dollars. Just because you can do something doesn't mean you should. All right. We'll be back. We've got more coming up right.

IRA Schwab Schwab Joni fund manager Charles Schwab Paul twenty twenty Jenner three years five years twenty thirty forty twenty thi sixty five sixty six years fifty nine dollars fifteen years fifty percent sixty percent ten percent thirty days twenty ton ten years
"sixty five sixty six years" Discussed on BizTalk Radio

BizTalk Radio

04:07 min | 2 years ago

"sixty five sixty six years" Discussed on BizTalk Radio

"That i went before i went on my vacation there hasn't been a few weeks professor plum in a recent show says roger you were speaking about social security index the ssa us is in calculating your benefits on your radio show with johnny dean question when i go on the mysocialsecurity site i can look up my earning history earnings history that they have for me it's accurate per my review on the site where when they provide the projected retirement numbers by age sixty to sixty six or seventy is that right provided already adjusted per the index for instance if i made ten thousand dollars in one thousand nine hundred eighty has that number been adjusted joe much higher numbers since then since the income was from so long ago the issue that i don't see on the site where it provides the adjusted index amount so i have no way of knowing if i projected benefits are accurate or if they may actually be higher once the older years are index thank you well it is true that social security does use an indexed wage from your history and on your statement the only show the actual earnings for the year that you earned it they don't show the index ones on that site and i've not found a place where it actually shows the calculation including the indexing going forward i've recreated it using the forms that thera vailable through for them they only index the earnings prior to you turning sixty so you do have to look at it's always the projections that they do show that sixty two full retirement age seventy are using the index numbers so you are don't expect much higher benefit because they're using actual numbers they're using actual numbers indexing then applying the formula to those index numbers that you can find the numbers takes a little doing and i can't remember what i would say i was on the social security website and you can find historical wage indexing for somebody born in nineteen fifty for somebody born in one thousand nine hundred dollars somewhere on sites year has a different set of numbers for indexing and i found an offer multiple years now they're not going to have that necessarily available for somebody born in nineteen sixty eight nine thousand nine hundred seventy because there's still quite a ways off i don't know if they're going to be able to show those yet but they do use the index values in creating the projections that you see on your statement whenever you get your statement or wherever you go online to the my social security side of the account if you've signed it but i found it for somebody who's in sixty four sixty five sixty six years of age and gone back and use their the numbers off their statement put index that grabbed the top thirty five put it in the formula and come up with a benefit that was right about what the projection was so in other words when you look at the projected benefit even though the the average drummers actual history that the projected benefit is using index number so so the the number that you're gonna find when you go on the social security website is fairly close to being accurate yes they're not using the syringe get to that age the more accurate it's going to be sure yeah yeah because the further away you are the more your income can change and they're using last year's income to project forward to create your benefit right but if your income changes dramatically and i've seen it happen both sides both where somebody was making fifty thousand a year or so and then jumped up into the hundred plus thousand dollar a year range for the last twenty years of they're working jumped up quite a bit on the other side we had somebody calling complained that sulky was stealing their benefit because they've been making one hundred thousand dollars a year got laid off in two thousand and eight after the past several years they've only been making eight fifty thousand a year and their new benefit projection at sixty six sixty seven was showing significantly lower number this person was in their forties so they had a couple of years of one hundred plus thousands so the original projections prior to two thousand eight we're considering that they were gonna continue to earn a hundred plus thousand dollars a year for the rest of their life now it's saying rejecting yeah you got a couple of good years but the majority of years is going to be at the.

roger professor sixty four sixty five sixty si one thousand nine hundred doll one hundred thousand dollars ten thousand dollars thousand dollars thousand dollar twenty years
"sixty five sixty six years" Discussed on SuperTalk WTN 99.7

SuperTalk WTN 99.7

03:36 min | 2 years ago

"sixty five sixty six years" Discussed on SuperTalk WTN 99.7

"Tonight right investor coaching show claire ira work you find that people get to retirement sometimes and yeah they like i've always wanted to be here and then they go and make kind of crazy financial decisions and they are do you find that they tend to become overly conservative both both both really yeah flying call me from arizona i have clients as you probably were in about eleven states yeah panicking is wanted to change your allocation why well because we read in an article that said stocks now they didn't wanna totally abandoned stocks right so we went did some coaching with them and showed what did you realize what you're doing is you know i just actually i i say you probably don't realize what you're doing is market timing because i i i know this is this is totally prudent ira do you want to get out because you can't just go back back and she's like well i'll just go back when things get better on like okay so i don't know if you realize but what you're doing is market timing i realized that what we can't let you do that yeah i can't be part of your dysfunctional investor behavior yeah when things look better is right that's through and you know she kinda calmed down but i said well what was the impetus of this and she said well i read an article mike you're basing this on one article i read articles on both sides of this equation every single day sure say out of the market some say the economy's doing great so it's wonderful get in disguise and like i said just a couple of seconds ago you know if you look at international market selling for by dollar ten for every dollar book value that you look at that you could say hey that's a bargain waiting me it's not it's properly priced but you know if somebody would would assess it that way but she just retired and i can't afford to go back to work if it if it goes down my you know what we've been through this several times already i've seen it go down we come back we'll sit a situation that they're living because i see this sometimes it's a situation where they're living so high above their means now they're scared because they've made some bad decisions or what's up actually their income there need for income is about three and a half to four percent of their whole portfolio value well that's not bad no beautiful portfolio of that great rates of return and they wouldn't protectively never outlive their money right but you know what it's very hard and you know we talk about this all the time you know we're like basically david versus goliath sure the multimillion dollar advertising budget that these big firms have to come tunceli bombard right now the public here in nashville with the great national era with what we do and how we do fare limited opportunity another thing i see is people wanting to spend more money than they really should have retirement it's like oh yeah this house even though my house is paid off i'm going to go buy a house take a mortgage and you know thirty or mortgage at sixty five sixty six years midlife crisis or something they just love the debut on and so forth.

claire ira sixty five sixty six years four percent
"sixty five sixty six years" Discussed on BizTalk Radio

BizTalk Radio

02:47 min | 2 years ago

"sixty five sixty six years" Discussed on BizTalk Radio

"Applying the formula to those index numbers now you can find the numbers takes a little doing and i can't remember what i would say i was on the social security website and you can find historical wage indexing for somebody born in nineteen fifty for somebody born in one thousand nine hundred dollars somewhere on their sites year has a different set of numbers for indexing and i found it on multiple years now they're not going to have that necessarily available for somebody born in nineteen sixty eight thousand nine hundred seventy because there's still quite a ways off i don't know if they're going to be able to show those yet but they do use the index values in creating the projections that you see on your statement whenever you get your statement or wherever you go online to the my social security side of the account if you've signed him but yeah i found it for somebody who's in sixty four sixty five sixty six years of age and gone back and use their the numbers off their statement put index that grabbed the top thirty five put it in the formula and come up with a benefit that was right about what the projection was so in other words when you look at the projected benefit even though the the drummer's actual history that the projected benefit is using index number so so the the number that you're gonna find when you go on the social security website is fairly close to being accurate yes they're not using the districts get to that age the more accurate it's going to be sure yeah yeah because the further away you are the more your income can change and they're using last year's income to project forward to create your benefit right but if your income changes dramatically and i've seen it happen both sides go both where somebody was making fifty thousand a year or so and then jumped up into the hundred plus thousand dollars a year range for the last twenty years of they're working jumped up quite a bit the other side we had somebody calling complain that social security was stealing their benefit because they've been making one hundred thousand dollars a year got laid off in two thousand and eight and for the past several years they've only been making fifty thousand a year and their new benefit projection at sixty six sixty seven was showing a significantly lower number this person was in their forties and so they had a couple of years of one hundred plus thousands so the original projections prior to two thousand eight we're considering that they were gonna continue to earn one hundred thousand dollars a year for the rest of their life now it's saying rejecting yeah you got a couple of good years but the majority of the year is going to be at the fifty thousand dollar number social security uses the thirty five best inflation index years and one hundred thousand dollars is a better year than a fifty thousand dollars a year and if they don't have thirty five good years it's zero zero they still use thirtyfive years if you only work for twenty they add up all twenty the inflation index all twenty to sixty adema divide by thirty five yeah so your benefit your benefit.

one hundred thousand dollars sixty four sixty five sixty si one thousand nine hundred doll fifty thousand dollars fifty thousand dollar thirtyfive years thousand dollars twenty years
"sixty five sixty six years" Discussed on KDWN 720AM

KDWN 720AM

03:44 min | 2 years ago

"sixty five sixty six years" Discussed on KDWN 720AM

"If i made ten thousand dollars in one thousand nine hundred eighty has that number been adjusted joe much higher numbers since then since the income was from so long ago the issue is that i don't see on the site where it provides the adjusted index amount so i have no way of knowing if i projected benefits are accurate or if they may actually be higher once the older years are index thank you well it is true that social security does use an indexed wage from your history and on your statement they only show the actual earnings for the year that you earned it they don't show the index ones on that site and i have not found a place where it actually shows the calculation including the indexing going forward i've recreated it using the forms that are available through the for them they only index the earnings prior to you turning sixty so you do have to look at it it's always the projections that they do show at sixty two full retirement age and seventy are using the index numbers so you don't expect a much higher benefit because they're using actual numbers they're using actual numbers indexing them then applying the formula two to those index numbers now you can find the numbers takes a little doing and i can't remember what i would i was on the social security website and you can find a historical wage indexing for somebody born in nineteen fifty for somebody born in nineteen fifty somewhere on the site year has a different set of numbers for indexing and i found it off for multiple years now they're not going to have that necessarily available for somebody born in nineteen sixty eight nineteen seventy because there's still quite a ways off i don't know if they're going to be able to show those yet but they do use the index values and procreating the projections that you see on your statement whenever you get your statement or wherever you go online to the my social security side of the account if you've signed in but yeah i found it for somebody who's in sixty four sixty five sixty six years of age and gone back and use their the numbers off their statement put index that grabbed the top thirty five put it in the formula and come up with a benefit that was right about what the projection was so in other words when you look at the projected benefit even though the the adage history numbers factual history the the the projected benefit is using index number so so the the number that you're gonna find when you go on the social security website is fairly close to being accurate yes they're not using get to that age the more accurate that's going to be sure yeah yeah because of the further away you are the more your income can change and they're using last year's incomforta project forward to create your benefit right but if your income changes dramatically and i've seen that happen both sides go both where somebody was making fifty thousand a year or so and then jumped up into the hundred plus thousand dollar a year range for the last twenty years of their working jumped up quite a bit on the other side we had somebody calling complained that security was stealing their benefit because they've been making a hundred thousand dollars a year got laid off in two thousand and eight and for the past several years they've only been making a fifty thousand a year and their new benefit projection at sixty six sixty seven was showing significantly lower number this person was in their forties so they had a couple of years of one hundred plus thousands so the original projections prior to two thousand eight were considering that they were gonna continue to earn one hundred thousand dollars a year for the rest of their life now it's saying now projecting yeah you got a couple of years but the majority of years are going to be at the fifty thousand dollar number social security uses the thirty five best inflation indexed years and one hundred thousand dollars you know it is a better year than a fifty thousand dollars a year and if they don't have thirty five good years it's zero it's.

one hundred thousand dollars sixty four sixty five sixty si hundred thousand dollars fifty thousand dollars fifty thousand dollar ten thousand dollars thousand dollar twenty years
"sixty five sixty six years" Discussed on 94WIP Sports Radio

94WIP Sports Radio

04:49 min | 2 years ago

"sixty five sixty six years" Discussed on 94WIP Sports Radio

"The guy has fallen it's amazing to me well yet the sixers seemed to be implying he hasn't fallen at all it's going to be an amazing year of foot i hope they're right but i found that footage was released him shooting has today to be bizarre right i i just don't understand how a guy could be the number one pick and he can't shoot like i've never seen him playing college i'm not gonna lie but he shoot at all well he can drive the lane i mean we saw do perry yeah no footage we show yesterday at no point showed you him shooting from the outside it just never showed you that which is all anybody really wants to know is candy shoop on the outside now has this show them in you then it still hasn't been answered that question amazing and i think they're just in full damage control trying to like avoid the inevitable that the guy he's not going to be able to be anything to contribute to them well yeah kept they're going the other direction when painting like hugo i i take day would unload him i know they're not saying but i take it you know if somehow they made a deal for kawhi and more flexible they would do that in south philly second yeah i mean you know i i would take a bench player form at this point for folks yeah i just can't see anything good coming out of it what would i is much as i have said on the air that i don't think he's ever going to work out as you're you're seventy six year at this point i still don't know if i would unload them for a bench player he still was the first player picking a drab i have been wrong in the past about certain players and because of that like everybody nobody's ever write about anything i proven to myself i can be wrong so i hope i'm wrong too but i i will answer this i would not trade for bench player yet i think we need somebody that can help us contribute this year because i think we're behind the celtics no matter what i would agree with that that we are behind the south who's your tokyo gas well i think i sorta stoler from you you said senator that was always on letterman i was just like maybe madonna no doubt madonna was a great talk show cast yeah yeah particularly on his show because you know he was so flirtatious yeah and then you found out he was following up on it for years and years i've never seen anything in praying that says he slept with madonna but between you may tom there's no doubt about that they had that chemistry you could just tell that they they most certainly did and she was you know people forget that a batter she's in her sixties now so obviously she's not in heavy you know about that i was gonna say she's not in heavy demand but i would be completely wrong in saying that there's not a talk show on year today where it madonna's people reached out and said madonna is going to be in new york next week would you like to have her on every one a moment say are you kidding me where do we because she's dat unpredictable and interesting and wild as a talk show guest no doubt about it we will put you on hold and moshe give that man tickets to whatever event he would like to go to all right all right here's some birthdays and things that happened on this date did i did not get to cover with paul kurtz deborah harry turning i got her at seventy three is another site and a hazard seventy four cheese in that ballpark i'd already mentioned bill barber turning sixty five sixty six years old leon spinks one speak muhammad ali heavyweight championship the world who wants lived at thirty eighth and chestnut leeann spinks for those famous teeth.

sixers sixty five sixty six years seventy six year
"sixty five sixty six years" Discussed on WTVN

WTVN

02:04 min | 2 years ago

"sixty five sixty six years" Discussed on WTVN

"Or follow me on twitter at w tv and what are you talking about things of value that you've found and how you handle it scott welcome to the show good afternoon what is good to talk to you back at you a this isn't a big value amount dollar amount but my grandparents they were married for about sixty five sixty six years and they lived in the same home the entire time that they were alive and married and my grandpa was a gardener and when he was i know they've been married about five years they lost or he lost his wedding ring and it just so happened that about thirty some years later on their fortieth wedding anniversary he was out in his garden and he's found his wedding ring no way forty five years it was about thirty some years later 'cause it was on their fortieth wedding and found it and he had lost it maybe when they were married about five or six years and of all days it was right on their anniversary so as crazy all right thanks for the call paul you're six ten wtvn how're you doing i'm doing good it's fault yes sir what did you find it's kind of more when i was talking to my call it in they says more like a karma story but i had a friend who was he was helping out with a charity called me up i really wasn't in a position to give any money at the time but i ended up platinum two hundred dollars immediately after that i called my wife said i probably shouldn't have done x we don't have the money i went for a drive and when i went into a store i came out and there's a beat up visa card a prepaid card on my windshield i went back into that store and said hey i think somebody lost us and they said they couldn't accept it unless somebody put a claim kept calling them back for weeks i want to.

paul sixty five sixty six years two hundred dollars forty five years five years six years
"sixty five sixty six years" Discussed on Izzy and Spain

Izzy and Spain

01:56 min | 2 years ago

"sixty five sixty six years" Discussed on Izzy and Spain

"When that's us worker story came out in the kind of weeks and months following there's been a lot of conversation about whether belichick is not long for new england in part because he's ready to move on and also there was conversation about him setting up for the next person right and part of the frustration with getting rid of a group la was that he wouldn't have this built in secondary quarterback to transition into and then leave for the next person who followed him if you had to guess how long do you think he'll be coaching in new england it's kind of like the big mystery right now you know he's not exactly slowing down he's sixty five sixty six years old and still seems to have the passion for it i give them at least two more years if not longer i think he doesn't it's hard kinda wanna outlast tom brady and move on with another quarterback you mcgraw was going to be his legacy piece you know the final piece to the puzzle where he won with brady and then he was going to keep winning with jimmy garoppolo so i think he'd like to do that again with another quarterback but you know no one really knows everyone's kinda guessing and with him it's it's he's definitely not going to do any sort of you know protracted you know goodbye tour it's going to be a quick and sudden decision and he's just gonna disappear so you know i'm giving him brady threw twenty nineteen and then after that it's going to be year to year who knows but i it's not going to be this year and bill ballot check is definitely still all in with the patriots well as long as that keeps going on we'll keep we'll keep throwing the bat signal up in the air for you we always appreciate you from the boston globe ben volt and you can follow him on twitter at them bolan ben thanks for the time man thank you great stuff from him so we'll continue to have the raging debate though i'm not sure i can buy into the argument that the patriots are better today than they were when the off season started so we'll we'll continue that raging debate but straight ahead there's so much anticipation with tiger woods at the masters we're now about sixteen hours away from him teeing off are we starting to.

us belichick tom brady jimmy garoppolo patriots twitter mcgraw boston sixty five sixty six years sixteen hours
"sixty five sixty six years" Discussed on KFI AM 640

KFI AM 640

02:19 min | 3 years ago

"sixty five sixty six years" Discussed on KFI AM 640

"The genetic component as father was a bank robbery was on the fbi's most wanted list in the '60s diagnosed a psychopath clenney said the genetics load the gun the personality and psychology aim it and the experiences pull the trigger typically interesting no criminal record you you also mentioned this lack of social media profile of the lack of social media of paper trail i guess as of of digital trail i'm i'm thinking about people i know war this age sixty five years old sixty four sixty five sixty six years of my dad is seven the six and he has a larger social media profile than this guy does i know he's everywhere if the no i mean if nothing else just in the pictures with family yeah that i would post or that my sister's would posts or that other family members and friends would post the only picture that we see of this guy i mean outside the now crime scene photo is this one reads holden the shot glass with his girlfriend on his arm and his eyes are closed that's the weirdest thing to me that there's one picture that we keep seeing there's another one that's a little bit earlier where he's kind of laughing needs cut his head back a little bit like he's laughing almost looks like he's baked out of his mind but that's just weird that they were not getting any of the information about this guy or is history other than that one picture the weird story also out of uh cnn today is that he may have wired one hundred thousand dollars to the philippines let's all they've said the philippines they didn't specifically say where it went who it might have been destined for his wife we know his family in the philippines and was originally from the philippines we believe but now that we have narrowed it down she is in tokyo it's believed not anywhere in the philippines indonesia indonesia's originally reported poured it he did shoot i explained that the the second door the one that was blown open when the swat team got there and put explosives on a it did have bullet holes in it police said that he did shoot at the officers at they bridge as they breached the door but by the time they got in and made it into the.

robbery fbi clenney social media cnn philippines indonesia holden philippines indonesia sixty four sixty five sixty si one hundred thousand dollars sixty five years
"sixty five sixty six years" Discussed on KFI AM 640

KFI AM 640

02:17 min | 3 years ago

"sixty five sixty six years" Discussed on KFI AM 640

"The genetic component as father was a bank robbery was on the fbi's most wanted list in the '60s diagnosed a psychopath clement said the genetics load the gun the personality in psychology aim it and the experiences pulled the trigger typically interesting no criminal record you you also mentioned this lack of social media profile of the lack of social media of paper trail i guess as of of digital trail i'm i'm thinking about people i know who were this age sixty five years old sixty four sixty five sixty six years my dad is seven the six and he has a larger social media profiled in this guy does i know he's everywhere if duff no i mean if nothing else just in the pictures with family yeah that i would poster that my sister's would post or that other family members and friends would post the only picture that we see of this guy i mean outside of the now crime scene photo is this one worries holden the sharkclass with his girlfriend on his arm in his eyes are closed that's the weirdest thing to me that there's one picture that we keep seeing there's another one that's a little bit earlier where he's kind of laughing needs got his head back a little bit like he's laughing almost looks like he's baked out of his mind but that's just weird that they were not getting any of the information about this guy or is history other than that one picture the weird story also out of a cnn today is that he may have wired one hundred thousand dollars to the philippines let's all they've said the philippines they didn't specifically say where it went who it might have been destined for his wife we know his family in the philippines in was originally from the philippines we believe but now that we have narrowed it down she is in tokyo it's believed not anywhere in the philippines are indonesia's originally reported poured it he did shoot i explained that the the second door the one that was blown open when the swat team got there and put explosives on a it did have bullet holes in it police said that he did shoot at the officers at they bridge as they breached the door but by the.

robbery fbi clement social media cnn philippines duff indonesia sixty four sixty five sixty si one hundred thousand dollars sixty five years
"sixty five sixty six years" Discussed on BizTalk Radio

BizTalk Radio

02:17 min | 3 years ago

"sixty five sixty six years" Discussed on BizTalk Radio

"A five or six percent this somebody oh that's so much more than the four percent rule what i'm talking about the distribution from the ira world not necessarily on the entire portfolio you may also have some other money in a personal account and so from a portfolio standpoint the distribution may be the four percent or three percent or something more analysts victor continue it and it should be noted professor plov that you're taking all you're doing is removing it from the ira or changing the the tax nature the the nature of it you know if if if you had it all in stocks for whatever reason and you're at some point taking six or seven percent because you're up in your eighty these are i dunno whatever the age would be at that time it doesn't mean that you're selling out or you have to sell out a bunch of stuff out of your portfolio all it means is that you put it in the taxable column and get it out of the ira you now on it personally instead of in your ira i was working on a plan yesterday effect for a client ever of person that works with our firm and they currently have an income stream from a source that will not end for the lifetime of an individual but the individuals not the the person that we're talking to you it's a win that individual this other person outside of the clients control dis the income stream guys where did what what nests i've never heard of that interesting don't worry about why it just does the okay i'm just like the income stream is dependent on somebody else's life expectancy and the expectancy looks pretty good but at because they could be cut short at any time and when that person outside of the spur of the does the income stream dies so w running a plan in taking a consideration the fact that the ninety five percent of this individuals portfolio is ira money in their sixty five sixty six years although we have to take into consideration what will happen if we have to create the plan as if the income stream dry up tomorrow because it could the person to die tomorrow as taxfree income income stream the one that they're receiving us tax willing of all right well yeah boy oh that there was this sharing of a settlement based on a stand okay that's fine so but on the other side we also have to take into consideration.

ira professor four percent sixty five sixty six years ninety five percent seven percent three percent six percent