25 Burst results for "Suze"

As Ethiopia's conflict rages, ethnic targeting turns deadly

PRI's The World

01:42 min | 2 months ago

As Ethiopia's conflict rages, ethnic targeting turns deadly

"Ethiopia's northern tegray region has already left hundreds of people dead. The concern is that it could mushroom into a regional conflict threatening neighboring countries. The rule tell him a condie reports from nairobi. Kenya tensions between government under prime minister ali. Ahmed and the semi autonomous northern state of tigray have been simmering for months last week. They reached a deadly boiling point. That's why an according to abi security forces from tigray attacked ethiopian government troops. The isn't as secure but but the last week against other men and a woman in uni. Four of the northern command was kid out while they were at their most vulnerable and that the gemma's and among suze taught with the peace that was obvi- speaking on thursday one week into military operations launched against the tigray people's liberation front or teepee al f nazi governing party in the region. The was once a powerful force in ethiopia and politics for but that was before matt came to power in two thousand eighteen. The prime minister says the military offensive. He ordered is entirely justified. The federal government had every right to deploy forces and they use force in order to hand those implicated in corruption and gross human rights violation if ups is made up of different states centered around ethnic and linguistic lines each granted certain amounts of autonomy under the constitution. Tigray leaders say prime minister abi has been infringing on their

Tegray Tigray Condie Ethiopian Government Ethiopia Obvi Tigray People's Liberation Fro Nazi Governing Party Nairobi Ahmed ABI Kenya Gemma Matt Federal Government Prime Minister Abi
Kaley Cuoco talks filming 'Big Bang Theory' sex scenes with her ex

The Woody Show

01:02 min | 2 months ago

Kaley Cuoco talks filming 'Big Bang Theory' sex scenes with her ex

"Kaley cuoco. She's got this new series. I'm kind of interested in coming to. Hbo max have you guys seen The on previous for the flight attendant. Yeah so she's been giving interviews and in one. She talks about big bang. Theory show runner. Chuck laurie my least favorite content. Creator live she says that She and johnny lucky like coupled up right as they started doing the show so pretty early on and then they broke up about two years later and she said suze broke up chuck. Laurie really increase the sexy stuff between their characters. Penny and leonard and she says she feels like he did it just like get at them just like needle her needle him and get back at them. She says because a legit came out of nowhere like penny and leonard word had this blossoming thing but then all of a sudden hardcore mackinaw in bed. She said It was a little sensitive there for a minute. But she doesn't have any hard feelings towards anybody and that she and johnny are closer than they've ever.

Chuck Laurie Kaley Cuoco HBO Suze Leonard Johnny Laurie Penny
Judge rejects attempt to block nearly 127,000 drive-thru votes in Houston area

Todd Schnitt

03:30 min | 2 months ago

Judge rejects attempt to block nearly 127,000 drive-thru votes in Houston area

"127,000 drive through votes. Hast by Harris County voters are now In the hopper to be counted. The Republicans, the GOP They let a court challenge to try tohave the drive thru balance tossed And that challenge has been rejected by U. S District Judge Andrew Hanen. Just came down this afternoon. And this was a last minute effort. Yeah, it's a Suze affirming. I just wanted to make sure Harris County is Houston. I've been to Harris County. I've been to Houston. I just just double check and make because I'm out of Texas resident. I've never lived in Texas. Just making sure Accuracy is very important to me, but there was a last ditch effort. To stop the drive thru voting And a lawsuit was filed almost a week ago. Last Tuesday, October 27th by Republicans and Republicans in Texas and Harris County wanted an invalidation. Of 127,000 balance that were cast. At thes drive thru voting places in the Houston area in Harris County. The petition, according to the Houston Chronicle, argued that drive thru voting was not allowed under the Texas election code. The GOP challenge was spearheaded by Republican activist Stephen Hosea. Wendell champion. The Honorable Stephen tough and Sharon Hempel. Drive. Thru voting is not recognized in the Texas election code. This is, according to the Republican led petition. Collinses Drive. Thru voting scheme allows any and all Harris County registered voters regardless of whether they are permitted to do so under the Texas election code to engage in early and Election Day drive thru voting The Texas Supreme Court denied the petition Sunday while a similar case. It was before. Ah Hannon in federal court. The Texas Supreme Court did not issue an opinion on the ruling on Sunday, and the move marks the second attempt to shut down drive thru voting in Harris County in recent weeks to dismantle drive thru voting in Harris County. So you know what this means? The Republicans in Harris County in the Houston area, the Republicans clearly think that this is advantage. Biden If this is advantage, Democrat That Democrats that liberals Are more prone, inclined. To go to the drive through balloting locations when they were in operation. And now we have this ruling. From a federal judge just out this afternoon. That the over 127,000 of these votes that have already been cast Will be counted. So the Republicans, the GOP led court challenge has failed.

Harris County Texas Andrew Hanen Houston GOP Stephen Hosea Stephen Tough Sharon Hempel Hast Texas Supreme Court Republicans Houston Chronicle Wendell Hannon Biden
How the live music industry is adapting to the pandemic

WTOP 24 Hour News

01:02 min | 4 months ago

How the live music industry is adapting to the pandemic

"Don't live concert sector has taken it on the chin during the pandemic. So how is the industry shifting to meet the needs of music lovers unfortunate to be able to do online concerts. We've been able to spend more time writing collaborating over, you know, platforms like this. Harvey Mason Jr is interim president and CEO of the record. Industry, which hosts the Grammys, and he tells MarketWatch they were going to be really creative on how we move forward how we do concerts. Virtually there's now driving concerts and things like that other Benson safety bubbles that have been prepared where the smaller groups of people being able to come together and then use and he's optimistic. Ongoing tech innovation will help connect performers and fans. Music is something that really It's Suze. It's medicine. It's also an expression outlets. I think finding ways for music and tech to come together is very important, I think is happening more now than ever. Brennan Hazleton w. T o P News 11

Harvey Mason Jr Interim President And Ceo Brennan Hazleton Marketwatch Benson
After 2011 Disaster, Fukushima Embraced Solar Power. The Rest Of Japan Has Not

Environment: NPR

08:06 min | 4 months ago

After 2011 Disaster, Fukushima Embraced Solar Power. The Rest Of Japan Has Not

"Before the earthquake before the NAMI and the nuclear disaster Japan got nearly a third of its energy from nuclear power. But after the Fukushima nuclear disaster in two thousand eleven, the country took all of its nuclear reactors off line, which has led Japan to increasingly rely on fossil fuels and also solar power. NPR's cat ORF continues our series on recovery and Fukushima. She only endo is saying a final goodbye. To the home she once shared with her husband and three kids and for Cosima it's less than a mile from the Daiichi nuclear power plant where three reactors overheated and exploded in two thousand eleven. They left fast only taking what they could carry. Their things left nearly exactly as they were the day everything changed to coffee, Cup sit on the kitchen table her daughter's old school uniform is laid out on a bed a calendar on the wall is still flipped to March two thousand eleven. clueless you the kit ago. Muluzi. Nice. This is sad. She says this House System Nice, but we can't come back. She looks around your moon to Ni life is so different diddle do remind us. To start from nothing even less than. A totally reinvent ourselves after the disaster digging up this. She's here to give the keys to government officials. This house will be bulldozed soon and the land used as part of a storage site for radioactive topsoil scraped from the earth and the massive cleanup effort Tschumi heads upstairs. And takes one last look at the bedroom shoes to share with her husband Hitter Yuki. He died a few years ago suddenly. And then she walks back down to hand over the keys. The thing is pretty unceremonious though in reality she only says, she said goodbye to this part of her life. Disaster when her family piled into a car and drove as far south as they go to the southern tip of Japan on the island of Kyushu. Here, she's a single mom to her bubbly ten-year-old son Cagey who was just a baby when the disaster happened, he doesn't remember Shema at all her other two children are grown and live nearby, and she only has found herself within unlikely job running a small solar farm. On a big hill overlooking the tropical landscape Ma hidden is yet. She never imagined. My life would be like this guy when we first moved here, I was in my late thirties my husband was in his forties unanue issue we were like, okay. Do we get new jobs? So we decided to do this. We saw as investment for the future month on her husband worked at the Nuclear Power Plant for over twenty years and for him, the switch to solar was purposeful. He felt that nuclear power had betrayed him do on didn't He grew up really believing nuclear power was safe and then he lost his home to come see today the energy collected by these panels has allowed her to build a new life. The power is sold to the local utility company and brings in thousands of dollars a month when her husband died suddenly a few years ago she only took over the work and the family placed his grave in the center of the solar panels show me walks over to tall marblestone. Hook. With an inscription that says. Good you send do essentially remember that this family is here because of the Fukushima nuclear disaster in two thousand eleven cocoa use. A message to future generations she explains looking away device. My biggest wish is for renewable energy to take over I mean look at my old home, it's going to be a storage site for nuclear waste. We can't deal with that kind of wasted drivers go. Joey's wish might not come true though her family started their business at the right time. The price was so generous and also delegration was sold loose. So anyone can register. Naida is the executive director of the Institute of Sustainable Energy Policies. In Tokyo, he says in the early years after the disaster Japan pushed renewables to help fill energy gap left after fifty four nuclear reactors were taken off line the. Government offered big incentives, new investors, lots of people like me and her husband jumped on board to build smaller operations. incorporations rushed in to build massive solar and wind farms but also the liberation was more strict compensation dropped. It got increasingly harder for alternative energy producers to connect into the power grid edith says, this was partly due to the big utility companies trying to maintain control and the government allowing. It to happen the sitting kind of a body of to north to Laputa increase anymore, the institutions make a big difference that's Jennifer Sclerosis of George. Mason University she studies energy policy in Japan, and she says, there is technology an interest for renewables in Japan, but the bigger power companies in government need to commit if people in place do not watch to implement policies to empower the economics and the. Technology innovation then it can't happen regardless of how advanced technologies earn regardless of how good the economics look many of the major utilities as well as the Japanese government are still waiting to see if nuclear power can make a comeback and renewables just aren't that reliable yet. So in the meantime, I would assume the defaults going to import gas import coal eater agrees is the most the early sick and Not so optimistic future, but one place in Japan that is optimistic about Renewables Hookah Shema the local government here has set a goal for the entire prefecture. The third largest in Japan to be completely fueled by renewable energy by twenty forty. It's a real turnaround for a place where nuclear power ruled only a decade ago especially in the former exclusion zone near Daiichi, there are solar panels everywhere from small ones on roofs and hillsides to massive mega-farms along highways making use of land available after the disaster some of these panels are run by big developers and others are not. Lake the solar panels on farmer. She get Yuki Corneau's field. He's seventy four years old and this land has been in his family for generations he gestures around it. This is all my land, but it's nonsense. Nonsense because it's relatively useless the wind carried radioactive material here after the disaster and the government has scraped off all the topsoil in decontamination efforts. The farmers here can't really far much anymore. So small local power company came and asked sugar. Yuki if they could rent land for solar panels, he said, yes could you go I was really worried after the nuclear accident how would we get power most of his neighbors also agreed but that means everything is different. Now he says there were Rice patties all around here with tiny frogs that created a kind of soundtrack for his life now it's quiet. He misses the frogs a lot and he says, and he doesn't make nearly the same amount of money as he did farming. But She Yuki says he sees this as a necessary change. He has nine grandkids they all live far away now but they were just in town the other weekend for visit running through the fields. Suze my grandparents farmed here my parents do. But now it's time for Change I've realized it's a new season pitcher. This he says looking out over the solar panels is for future. Generations Khatlon store NPR News Fukushima Japan.

Japan She Yuki Government Daiichi NPR Japanese Government CUP Fukushima Yuki Corneau Shema Tschumi
Court Unseals Documents in Ghislaine Maxwell Lawsuit

Bloomberg Law

05:44 min | 5 months ago

Court Unseals Documents in Ghislaine Maxwell Lawsuit

"Unsealed documents show that Jeffrey Epstein was offering advice. Take Elaine Maxwell as latest 2015 despite her lawyer statement that the quarters socialite had no contact with the disgraced financier in a decade. Maxwell's in a federal jail in Brooklyn after her arrest this month on charges of engaging with Epstein in a sex trafficking scheme, she's trying to stop the disclosure of documents that include her sworn testimony in a civil case. Joining me is Bloomberg legal reporter Patricia Hatano, who's been covering the Maxwell case that give us the background on these documents there? This is a prolonged involved. Story goes back here. There was a young woman named Virginia Robert to Frank's, and she says that when she was 16 years old, she encounters going Maxwell at Mar a Lago. Her dad works there, the maintenance man, he gets a job at the law. She's handing out pals and ah lovely woman. British woman comes up to her She's reading a book about massage and offered her a job working for this wealthy man who wants to go looking for a private, Mr She said. She was 16 years old at the time. So she goes to the mansion. If it turns out, she's introduced Jeffrey Epstein and he immediately and Maxwell, she alleges. Forced her to perform sex acts with the two of them program and she became a sex slave she and alleges that was in 1999 2000. So then she ends up. Trying to join a law with victims of Epstein after everything gets his secret plea deal, and she makes him comments about Maxwell publicly and Maxwell coming back and issued a press release in January 2015. She makes pigments and says that this woman is a liar. Would provoke a pram a defamation lawsuit. Dupree, Suze Maxwell for Defamation and Natural gave testimony under oath questioned about the sex trafficking. Judy was very, very aggressive. Her lawyers included David Boy and this guy Bradley, Edward and Pottenger in Florida, and they really went to question Maxwell at people that worked at the stain home in Palm Beach. All kind of allegation. Soju phase allege with force have sex that you have traffic in Spain. This man including alleged princes, possibly Prince Andrew. She named him and Maxwell denies it. So what happens is the stuff was all settled right? On the eve of trial, 2015 losses got settled right before trial, And then the documents were under field. So how did all those sealed documents get unsealed before Jeffrey Epstein's suicide? But after F being gets prosecuted, the Miami Herald goes to ask why this field And the Court of Appeals. Second Circuit Court of Appeals directed that the judge who had originally had the law didn't properly feel you shouldn't have properly field everything. It was improper to keep all the documents from the public. And so that's how we get to this point. The circuit orders last on the order all these documents and fields and all the documents start hitting the docket. And the next day, Jeffrey Epstein is found dead in his jail cell of an apparent suicide. So the document release was sent back to a new federal judge to preside over what properly on field in what should not be properly and field And you can imagine there's all these implications for other people whose names may can't come off other victims who allegedly were there when the trafficking occurred or were also traffic who may not want to have their names come out there like a Jane Doe Juan and a Jane Doe two and no Mortal, Jane Doe and also John Doe. So Judge Preska on July 23rd shelter hearing after you know, Matthew now been charged and says, Okay, let's go and have a hearing about what you get on field, So she ordered the first transfer documents to be unsealed last Thursday night, So that's how we get to the testimony. Maxwell with questioned under oath. The government used the testimony as a basis say stay. She lied and committed two counts of perjury for lying when she claimed she was never present. When Ft may have been sexually abusing, underage girl know, and she'd seen anything like it, she was not aware of that activity, illegal activity no more. President ever witnessing it so that testimony remains under seal because she went for an emergency motion and after the court of Appeals to again stop the release. Thursday night, the 30th so that was on 11th hour stock about part But the rest of the documents hit the docket starting at like 9 30 on Thursday night. How many documents are already out 2000 pages released in August. So that's when we started first seeing these allegations of possible you know Prince Andrew's involvement, some captains of industry more implicated some senators from former president their allegations that were flight records of people who were on the plane. Two F Things Iowan in the Virgin

Elaine Maxwell Jeffrey Epstein Mr She Prince Andrew Judge Preska Court Of Appeals Circuit Court Of Appeals Bloomberg Jane Doe Juan Spain Jane Doe Patricia Hatano Virginia Robert Reporter Brooklyn The Miami Herald President Trump Judy
Dallas - Fort Worth Zoo Named The Top Zoo In The Country

KRLD Saturday Morning News

03:00 min | 6 months ago

Dallas - Fort Worth Zoo Named The Top Zoo In The Country

"Well, for the first time ever, the Fort Worth Zoo has won the title as the number one zoo. In America. This is a survey that Yusa today conducts every summer. The zoo and Fort Worth has been in the top five for the last four years in a row. Last year, it finished up in fourth. Avery Ellender from the fort word, Su tells Carl these David rank and it's kind of nice to win the popularity contest once in a while. Absolutely. We are so excited to have the honor, and we just couldn't be more thrilled. Tell me about the this whole Yusa Today Zoo survey that they do every year today has assembled a panel of industry experts. And they created a lead out of 230 something ese accredited zoos that they deem. Um, it sell and things like animal care and enrichment. Also, Jews that have created meaningful interactions between humans and animals. So this panel created a list of 20 Suze And then that they opened it up. Tio a nationwide vote and the contest ended July 6. And we just learned this morning that we have been named the number one show in the country. What's been the reaction around the place? Everybody super excited. We're really thrilled to hear the news and thank our visitors and our guests and our members for voting us to the number one spot. I will say, you know, it's been a really interesting summer. And of course, we spent the majority of our spring closed for 11 weeks. But our staff was still here showing up every single day feeding and caring for the animals. So I think a really nice for award for the dedicated staff and And we've always known how special issue is, but now we get to show the rest of the country. Now you're getting ready to do a huge build out. Other forwards do what's coming up in the second phase. That's right. So it is part of our $100 million master plan and, of course, the first face that was the African Savannah exhibit that opened in 2018. And we are getting very close to opening our Elephants Springs exhibit, which is the second phase and it will nearly triple the size of our elephant exhibit. It will offer them multiple yards and areas to Rome. With different slash pools on expanded barn, So we're really excited to be able Tio not only provide that new space for elephants but also Continue to maintain our conservation and breeding programs and also provide new interactions and ways for against to see these animals up close. And that's Avery Ellender with the Ford words Sue, by the way, the Dallas Sue On Mars Sailors spent his ninth in that same USA Today's survey, and that gives by the way the two big Jews in North Texas top 10 finishes. We're

Fort Worth Zoo Avery Ellender Yusa Today Zoo Yusa Carl Fort Worth America Elephants Springs Rome Usa Today African Savannah Dallas SU North Texas David
Mayor Bottoms gives update on Atlanta COVID-19 situation

Atlanta's Evening News and Rick Erickson

01:39 min | 6 months ago

Mayor Bottoms gives update on Atlanta COVID-19 situation

"URGENT Governor Brian Camp Suze Atlanta over over the the city's city's requirement requirement to to wear wear masks masks in in public public and and other other cove cove in in 19 19 restrictions. restrictions. You You know know what what this this is is all all about? about? Mayor Mayor Keisha Keisha lance lance bottoms bottoms in in addition addition to enacting A mask mandate for the city of Atlanta had also rolled back the city's reopening to what was called phase one that would shut down in person dining at restaurants and shut down some other businesses. But Governor Kemp has said all along that local mayor's not just mayor bottoms, but any local mayor. I can't do anything that overrules or supersedes his gubernatorial executive orders. And the mayor's actions. In his view, We're going further than his executive orders. And so he said that the mass mandate and the reopening rollback Wass no and void as recently as noontime today before this lawsuit was filed with the mayor, speaking earlier today. Said that she believes the city's position is legally defensible. What we do have is a statement from governor camp and I'll just read it to you. This lawsuit is on behalf the Atlanta business owners and their hard working employees. We were struggling to survive during these difficult times. His men and women are doing their very best to put food on the table for their families, while local elected officials shuttered businesses and undermine economic growth, just like sending in the Georgia National Guard to protect those from living in our capital city from crime and violence. The I refuse to sit back and watch as disastrous policies threatened the lives and livelihood of our citizens. We will fight to stop these reckless actions and put people over pandemic politics. The word of this came in about 5 45 What actually will happen now and how quickly It's something we will have to wait and see. The

Mayor Keisha Keisha Brian Camp Suze Atlanta Executive Governor Kemp Atlanta Wass Georgia National Guard
"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

07:48 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"Check doc to see about your four. Three B doesn't match does it. Not You have a roth four three B. What should you do if you have a RAV? Four three B and also opened up a roth. Ira Era I personally would open up a roth. IRA AT TD. AMERITRADE higest loved them. I am not paid to say that by the way I just do I love them. I don't know why I love them and I would continue to live with my parents and help them. There is nothing wrong with that so since his podcast started off talking about real real estate. Let's just have this entire podcast be on real estate. The very next one is from. Kate and Kate says hi susie my fiance will inherit his grandparents house and twenty six acres of land when his mother passes he has is already on the deed along with his parents. When we get married? Should I put my notice. I I put my name on the deed to or can he just will the house and land to me. We live in North Carolina. Thank Q for All the advice through the years. Kate Kate the advice that I would give your fiance is the exact same advice. I would give view if you were inheriting anything. Whether it's real estate money. Anything from anybody. Here is the advice. I would give you anything that you inherit. You should never put your spouse's name or or anybody else's name the account. If Grandma is going to leave you five hundred thousand dollars that money should go into a separate separate account in your name only if you take that money and you put it in a joint account. That money now is is legally not only yours but it would be who's ever name is on that account as well. Now I I get that you love your fiance. You think everything's thing's GonNa work out. Everything's going to be great but again one out of two couples that get married they end up in divorce. So you have have to want to protect your fiance. You really love your fiance. So no your name should not go on the deed on any level that is his home his inheritance and if your relationship does not work out it belongs to him not both of you now. You may think that sounds harsh but think about it the other way around if it was you kate. If it was your grandmother grandmother who left you something your parents whose title was on this and now you are married and now his name is on on it and now you get divorced and you lose at least fifty percent of what your parents and grandparents left to you heartbreak. It would break AAC your grandparents and parents heart so here is the other thing. His mother is not going to like. If your your name gets put on. Something is not going to like it because this is for her son and it will in my opinion caused friction between you and you should not be thinking about here. Can he leave it to me via a will. How do I get this money? I don't like it Kate. You're thinking about it. You should not be thinking at this point when you're not even really married to him yet how you can get something. That's being left to him. You need to be protective of him so I want you to tell him you don't want your name name on the deed you don't even want him to leave it to you yet until you really know how incredible your relationship is and when he gets it. We don't know how long down the line it will be when his mother passes he's on the deed with her but she may not pass for years and years in years to come so do not put the horse before the cart. Do you have that girlfriend. So today's podcast was it's all about real estate and different aspects of it whether it's inheriting it investing in it dreaming about buying it for your own home whatever it may be as well as the projections that Zillow has done on twenty five markets. Well they go up while they stayed the same while they go down. But here's what I want to say to you. Real estate is a very very different investment investment than the stock market stock market. You buy a stock. There's no cost anymore to bind the stock to keeping the the stock to selling the stock. If you buy something and you want to sell it you can just pick up the phone or online and it sold right away. There are no carrying carrying costs to have that stock meaning. You don't have to pay insurance. You don't have to pay taxes you don't have to pay maintenance you don't have to do anything on it. So a stock is a very very different investment than a piece of real estate real estate. You do have have carrying costs. You have costs such as I just mentioned property taxes insurance maintenance probably the mortgage payment the interest on the mortgage payment. And you also have besides those costs you have natural actual disaster risks whether it is a tornado a hurricane in earthquake a flood whatever it may be so there is a lot more risk with real estate in my opinion than in the stock doc market and I understand again that many of you feel like true fortunes true fortunes are built in real estate and all. Oh you own is real estate and then I understand that there are people out there that think Oh. The stock market is the only way to make money. I personally think a combination of both is smart. But you have to know that if you are going to be investing eighteen in real estate you need to do it with capital that you have now with borrowed money if you are finding that you have to take a loan from your 401k. In order to purchase a home. I'm not sure you should be purchasing a home at this point in time if you need to take out equity in your own home to buy another piece of real estate. That's a rental property. I think you really should think twice about it at this point in time. This is the time in the economy that we have and the economy that we most likely will start to experience either late this year or next fear or some time isn't economy where you should be totally out of debt. You should have at least an eight month. Emergency Fund you. You should get anything you can do to secure your financial situation. I am not predicting doom and gloom I am just.

Kate Kate Ira North Carolina Zillow Emergency Fund
"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

03:36 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"ETF's I have no other investments. Thank you very much emily. Emily listen and to me. First of all many four three Bs do not match your contribution and a matches where you put in a dollar for every dollar that you put in usually up to six percent of your base pay. They may contribute fifty cents dollar or some amount of money so so I I need you to check. Does your four zero three match your contributions if they do match natch you should absolutely contribute at least up to the point of the match so ask your. HR person to help you with that. If they do not match or after the point of the match you are far better off having a Roth. Ira a van a four zero three. B that does not match even if they offer a roth four zero three B. You are still better better off having a Roth. IRA than a Roth for three B.. And why is that because any money that you put put in to a Roth I. R. A.. You can withdraw at any time regardless of your age or how long that money has been in there. You can withdraw your original contributions without taxes or penalties. What so ever it is simply the earnings that your contributions burn have to stay in there until at least fifty nine and a half years of age and the account has got to have been open for at least five years? So Oh you're far better off having a Roth. IRA than a roth. Four zero. Three B especially if the roth four three B does not match if you we do have a roth four three B and they do match make sure your contributions are going into a roth for three. Be Up to the point of the match and after the match you should have a roth. IRA because you can have both. Should you give up on your dream of owning a home. You should never give up on a dream. You should never think that this can't happen to you. You don't know what your life is like right now. You say you're single. You're thirty seven years old. You're still living at home. You never know what can happen in in life. So don't give up on that but with that said if you just listen to me a little bit ago you're in no rush. This is not the time especially in California that I would be rushing to buy a home. I would just wait and see what happened. You know. I'll never forget way back. I think it was in the here. Nineteen ninety-three right around there real estate back then also went down considerably. I'll never forget three million dollar caller homes going for eight hundred thousand dollars. Not that I could afford really any of those truthfully at that time but it was like an but I went to look at them anyway and I thought wow that's something then. I watched years later. Those same homes go for are twelve million dollars so things go up and thing go down. Do not worry about it. What concerns me?.

Ira Emily California
"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

09:29 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"Can't can't go out to eat now. Food in a restaurant. So that's a want. That's a want that stops her for a few seconds and the third one is really three to get as much pleasure out of saving as you do spending and with that I said look everybody. I'm still wearing the exact same earrings that I've warned for over twenty some odd years. It's really the only pair of have and then I said look at my necklace. It's it's still the same necklace that I've worn for all these years over twenty years. Now it's what I wear. I said the only thing is over you. I know I always used to wear the same boots in the same pants and every single one of your shows but I dress different. Today I'm different and these are different close but the pants were only thirty five dollars and everything I bought was really was the whole outfit was under two hundred dollars including the shoes and it was so fabulous I said look I have a different outfit on I said did you even notice and she looks at me like crazy Roese Suzie Orman and with that she says thank you Suzie Orman and without I leave the stage I go back to my chair and Oprah then was going to have another guest on chat about an hour and a half left of the show which by the way is a fabulous fabulous experience it is may be one of the best produce shows I've ever been to in my life it's mainly appro goes into the audience interacts with you and really takes you through this incredible workbook that she has put together with w w. w. w. w. used to be weightwatchers it's now ww and Mindy Grossman the woman who is the CEO of weightwatchers such a beautiful beautiful vision that she has for all of you for all of you that goes so far beyond and wait losing weight it goes into having a really healthy life but oprah now is going to have Tina fey come on on and I know very well that if I just stick around because they say suzy's stick around till it's over and then you can see Oprah and everybody but this this is now what I want to talk to you about the main reason that I was there was to tape the pledge show of of my new. PBS special that will air named after my book February. Twenty eight in the year two thousand and twenty for a week or two on all PBS stations throughout the United States. Name of the book called the ultimate retirement guide for fifty plus winning winning strategies to make your money last a lifetime the PBS special is also named that. The reason I was there was on Saturday to meet with the staging people at PBS station. T. P. T.. Which is my sponsoring station? And to set up the props said to make sure the cameras were set and all of that takes hours and I was supposed to be there at two o'clock that day and it is is now three o'clock and I asked if I could get there at three thirty the latest and they said Yeah it's okay susie but don't be there much much past three thirty 'cause you know the people have to go home and we're on a time schedule and they have to be back on Sunday so please don't be much later than that and I'm going but in my head so I'm in the audience now back there and I'm thinking to myself. Oh boy I so WanNa wait if I can. Just wait till four thirty to four thirty. Then I could probably see Oprah and talk to her and be with her little and then at five or five thirty or whatever Time would be I could go to PBS. But that would not have been the right thing to do. Because that wasn't why I had come to Saint. Paul was not to be in the upper twenty twenty vision. Tour was not to really see oprah although I loved it it was to do. Oh my job which was P. B. S.. So as much as it killed me because I knew they would wait for me. What other choice would they a half? So as much as it killed me to leave without saying goodbye to Oprah without talking to her really I left and I was at P. B. S. at three thirty. Now I tell you this part of it because when there is something that you need to do you need to do it if it specially. If it's something need that involves work because your work is what sustains you financially speaking so at times James It really needs to be your number one priority. Even if you want to do something else you WanNa take the day off you wanNA leave early early. You WanNa go on vacation with your family even though you know you shouldn't be doing at this point in time. 'cause you're on a certain project at work. Whatever it may be eh but I put my work as my number one priority in front of what I really really? He wanted to do now. How that manifested was very interesting because it turned out out that the table for the props was wrong? Things weren't working out. Certain graphics weren't right. We had a whole lot of work to do and it never ver would have gotten done if I hadn't come there when I said I was going to come then Sunday. At two o'clock this is now January. Twelve two thousand and twenty we air that PBS special in Minnesota for the first time and everybody was seriously seriously nervous about this because my last PBS special financial solutions for you did over sixty million Indian dollars for PBS and it made it the largest fundraiser in the history of P. B. S. in all the years. PBS has been doing pledge shows so everybody was so nervous. Would this one be as good. Would it make as much money for this system because PS needs money right now they need it and you know I can go on and on about. PBS Y PBS. I personally think is so important. And why do it for them just to do it for them. And this is my ninth. One that I did and it aired and it was so successful. I can't even tell you it. Blew every buddy away including gene me so now it will air nationwide starting February twenty eighth and February Twenty Nine Two thousand twenty it will air. Many times comes after that but that will be the first time that you see it nationally and I will forever believe it's because I did what was right versus doing what it was easy. It would have been easy for me to stay and do what I wanted. And be with Oprah but it wouldn't have been right. It went to have been right so because I did what was right versus doing what was easy because I stood in my truth. ooh As to why I came to Saint Paul to begin with and because I put my my needs in front of my wants. The energy was set in such a way so that Sunday could be a success success for all last week when the show aired so basically. I just wanted to tell you that story so there were many any topics in today's podcast. One of them is women that have men in their life. I asked you to bring the men in your life to this podcast. Maybe the like it. Maybe they won't but no matter where you go make sure you include the men your spouse in your life when it comes to money make them as strong as you are becoming as well. The next ext was simply do. What's right versus what's easy? Make sure that you put your needs in front of year once wants and.

Oprah Suzie Orman United States Tina fey T. P. T susie P. B. S w w. w. w. w. Paul Saint Paul Mindy Grossman CEO Minnesota James suzy
"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

06:37 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"And that's what you need to know so you know. I had a friend who had bought a whole lot of Apple Stock Doc. I'll never forget. This is just happened a year ago and she used to make a whole lot of money and the stock had been going up and up and up and she had a significant amount of money as a long term game. But she didn't really want to take it because she didn't want to have to pay. Hey twenty percent of capital gains tax on it because she used to make almost a million dollars a year then it came time where she wasn't working anymore and she made absolutely no income last year. What so ever so? Guess what I said to her sal all of your Apple Stock Sal it all. Because she didn't have any income she did not pay one penny of capital gains on a whole lot of money that she made. That was a big deal then. This year she bought some apple stock back she has cost basis in it which means the price that she paid for it. So now if it goes is op. She's not going to have to pay as much in capital gains and if it goes down she can take a loss but you understand what we did there but that is essentially how how it works this next one is from Olga and Olga asks a few questions but I'm only going to answer one one of them because we have so many questions by the way. If you WANNA ask a question just send an email to ask Susie Susie podcast g mail DOT COM and if chosen I will answer them on this podcast we have now hundreds and hundreds that are coming in at a time time because this podcast is growing so just be patient because one day you never know when. I'll just look at all these and go. I'm going to answer them. I'm going to answer them all because you never know I can do something like that anyway but keep sending in your question. Algo wants to know Susie you said on one one of the episodes when the market goes down the cost of shares. Also go down. This then allows us to by more shares. Hold onto them until the market goes up and that's create wealth over time. How does this look in practice? Susie say hypothetically medically I have five thousand dollars. Invested in a standard and Poor's five hundred index when the market was high and then the market crashes. Do I leave my five thousand dollars as it is buy more shares every month is I am transferred more money for my checking account sell trade. Sit or cry. It's all very confusing to me. And the more I research it the more confusing it becomes all got. Here's what what you need to understand. Here is exactly what I said in times like this when the market really is relatively seriously high because it's been the highest it's ever been in the history of the stock market. There's got to come a time when the market eventually starts to go down. How and I don't want you if you have at least ten twenty thirty forty years or more until you need this money? I don't want you would make the mistake where you invest this market starts to go down you freak out and you sell you know hobos people that sold in two thousand thousand eight two thousand nine. They they missed out on the ten greatest years of what was going on in the market. So I want all of view if you are investing in the stock market to invest with a technique called dollar cost averaging which means and that rather than taking five or six thousand dollars. Let's say you're going to do a roth. IRA and you're under the age of fifty so you can put in six thousand dollars a year rather than putting in six thousand dollars all in one lump sum and now you buy the vanguard total stock market index E F whose symbol is the tea. I again this is a show. We're I'm giving recommendations here and if I were going to buy anything rather than the standard imports really five hundred index rather than whatever I would buy at this point the total stock market E F. Especially because you can now buy exchange traded funds for Zero Commissions. That used to not be true so therefore I would always say to you look into buying a fun. Just by the T. V. Like in Victoria T.. He like in Tracy. I like an Isabelle. See a women named I love that anyway. And let's so let's just say you you're GONNA do that. You take five hundred dollars a month every month and purchase the TI when the goes up you buy less shares with your five hundred dollars. When vitae goes down you buy more shares but over time time you are averaging the cost of the Ti with the dollars that you are investing so all you do not cry number one you do not sell number two if you have time on your side which means is ten years or longer every month you just keep investing five hundred dollars five hundred dollars five hundred dollars or whatever amount it is now a lot of you may think while five hundred dollars? How many shares can I buy? It does not matter especially if you are investing. Let's is just say at a place that is not charging you commissions at all to buy any shares. So let's just save it's Charles Schwab Schwab or td Ameritrade and now you can buy fractional shares at Charles Schwab with no commission whatsoever again..

Susie Susie Apple Charles Schwab Schwab td Ameritrade Victoria T Algo Olga Isabelle
"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

11:23 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"Referring. To all qualified employer sponsored retirement plans a four zero three B at ESP whatever whatever it may be just know that but it just simpler for me to say 401k and you know that it applies to all of them okay. It used to to be an actually still. Is that if you worked for a corporation you did not retire and you were working for a corporation that had a 401k plan then you could postpone taking required minimum distributions until you actually retired so if you were working and you were seventy one seventy two whatever it is. You didn't have to take required minimum distributions in till you actually retired tire. That has always been true however you were able to contribute to the 401K. As well it used to also also be true that if you were working even though you were contributing possibly to your 401k you were not allowed to you. Make contributions to your I.. R. A. Once you're past the age of required minimum distributions drew abuse which used to be seventy and a half. Okay everybody that law has changed you now. If you you are working you can also make contributions to your IRA account so you can be seventy three seventy four and still still be making contributions to your eyes are a that is new under the secure act how ever even though in a 401k. The plan at the place that you are currently working you do not have to make required minimum distributions in. Dan and I are a while you are working even though you can contribute to it you have got to make required minimum distributions. Bution once you reach seventy two years of age that is important for you to understand so at the same time. I am now that the government is going to allow you to be putting money into in. IRA still contributing to it while you are working when you're seventy eighty three seventy four whatever it may be you have to start also making required minimum distributions. Once you you reach the age of seventy two to be exact by April first after the year that you turn seventy two you also. Oh half to start taking required minimum distributions from any ex- employers for a one K.. Plan the only place that you do not have to take required minimum distributions from when you are working it is from a 401k plan at your current employer's place no matter what age you are his. That's an important thing for you to understand now again. Why are they allowing all of this? They're allowing net. Because they know again and I said this earlier. You're gonNA need this money. Do you know for all these years. How I've been saying to you? You've gotTa work work to your seventy. Don't start social security until you're seventy you've gotta save you gotTa save you gotTa say and it's because you are living longer. Health expenses are are going through the roof. You know that if you were to retire around the age of sixty five and lived a normal lifespan. You could spend half a million dollars on healthcare costs over those years so you have got to save money and the government is doing everything they can to help you and entice you to do who so when you have a retirement account and you leave it to your spouse your spouse has the right to take over that retirement account as if it was his or her own she is not regulated by the same rules that that apply to other beneficiaries. So for this segment here. When I am talking about beneficiaries I am not talking about your spouse i? I'm talking about your children. Are People other than your spouse. Okay next here you are and you have a retirement. I'm an account a traditional retirement account that you've never pay taxes on and you die and you leave it to your beneficiary and maybe your beneficiary serious your child they were able to do what was called a stretch. I are a that allowed your beneficiaries to stretch the amount amount of time that they could withdraw money from so that they didn't have to pay a lot of taxes on it because only a little was coming out at a time well L. if you inherit an IRA after December thirty first two thousand and nineteen and it's other than your spouse. Then what happens is you have a maximum of ten years. Your beneficiaries can now no longer do a stretch stretch. Ira They have a maximum of ten years to withdraw the money. That's in the IRA that they just inherited here it it and you'll read about this in my new book. That comes out march of this year. which is called the ultimate retirement guide for fifty plus floss winning strategies to make your money last a lifetime? It is in this book that probably for the first time. I'm really telling you why I want you to have a guaranteed source of income where you know your money is going going to come from because then you base all of your investment decisions on that figure at what you need above that so because interest rates are so low and because there are very few places to get good guaranteed income anymore now the government signed into law on December twentieth two thousand nineteen that employers via a 401k. Zero One k plan are going to be offering guaranteed annuities. GUARANTEED IN COM- annuities to you. So that you you can see how much money you could get if you took your money. That's in the 401K. And you convert it right there because 401K's with employers lawyers get better group rates than if you did it on your own through in Ira Rollover so now. They're going to allow you to do that. And it's just something that I think. All of you should absolutely look into so a few other things just a few you other things that the new law provides ready for this one. Do you know that if you have a qualified plan like a 401k or four worl three be traditional pre-tax whatever it is and an. Ira Do you know that. You can take out five thousand dollars dollars penalty free now when I say penalty free. That means you're not fifty nine and a half years of age yet so if you take money out of a retirement account prior to that age you will pay a ten percents penalty tax on it. You can take out five thousand dollars penalty free to do what for the birth of a child or if you're going to adopt a child of course you have to pay taxes on that five thousand dollars but you know how many people write me and they say suzy I got pregnant. I'm GONNA have a baby I don't have any money. I have some money in my retirement account and I'm just gonNA take it out. I have to and then they have to pay taxes on it and the ten percent penalty and possibly a state penalty taxes. Well depending on which state they they live in. Now they're going to be able to take out up to five thousand dollars penalty free due to the birth or adoption. Shen of a child. I don't know I think that's pretty great again. Quick summary If you were not seventy and a half by by the end of last year December thirty first two thousand nineteen your new age for required minimum distributions will be seventy two. If if you are working and you work past the age of seventy two as long as you're working you can continue to make contributions not only to your 401k. Oh One K where you're currently employed but to an IRA as well so just remember in an IRA once you reach seventy two you even though you can still make IRA contributions if you're working you still have to at the same time. Take required minimum minimum distributions from that IRA and don't forget you have to take required minimum distributions from any old employers 401k. One K plan even if you are still working it is only your current employer's 401k plan if you are still working after the age of seventy two that you do not have to take required minimum just job utions got that inherited inherited. IRA's if a person dies after December thirty first two thousand nineteen and their beneficiaries inherit an IRA after that they have a ten year. Maximum to withdraw the money that is in the retirement account and less. They are a spouse or are certain other circumstances but mainly it's now a ten year maximum. They can no longer do as stretch. I are a you. You can withdraw five thousand dollars from a retirement account without any penalty tax for the birth or the adoption of h child. Those are the main things that you really need to know that have changed. Let's talk briefly about five. Twenty nine plans hands. The main change for five twenty nine plan now is that you can use money tax free from from a five twenty nine plan to pay up to ten thousand dollars per beneficiary of a student loan and so if you happen to have a kid or a grandkid you can take out up to.

IRA R. A. Dan Shen
"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

01:32 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"On December number twentieth two thousand nineteen the age that is required for you to start withdrawing those minimum distributions changed. So listen closely if you.

"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

05:26 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"You have one more story that's it and then we gotta go so about maybe two or three years into our relationship We would I would always be very busy with the family and the visitors and cooking and preparing which by the way for me was very difficult because I really wasn't that close post to my family and I didn't have the love in my family. Kt has in hers. And I would watch her with her brothers and her sisters sisters in her nieces and nephews in her mom and everybody really couldn't relate. I was like can't it. Just be you and me Katie. Do we always. I have to share birthdays and holidays with your family. What is this about now? I get it but it took me many many years to understand love to feel love right. Kt it was hard for me. And I bet you anything that people go Suzie orman she always had a loving family. She always had there she always had that and it wasn't quite that way for me. WAS IT KT. No it was just different. It was different. Everyone's different and and your relationship I should ship with your family was different. Mine was like couldn't wait to get together and we like that Emmaus. Aunt Suzy's is absolutely right in there with with the gay. Yeah but that I have to tell you it took literally almost fifteen years for me to get it just recently has changed so walls for five years all right go on busy getting everything ready and we usually celebrate the twenty four th Christmas Eve. That's an Italian tradition. Not necessarily the twenty fifth of December. I would find everyone busy. We're SUSIE and I'd go in the back and I and she'd been bedroom by herself on the phone and she has a little list of paper next to her and I figure Oh she's busy talking talking to somebody and I'll be quiet and shut the door and she'd be in there for like three hours and then she'd come out and say who is that you're on. The phone was so long he said Oh number of of my friends I said Oh. Who did you call thinking like? They're my friends to these. Were total strangers total strangers to me but not to suzy when she would receive in but this was all started at the Suzie Ormond show she would receive letters or or email emails from you know her fans or people that just needed help at some of with them were so heart wrenching or difficult or challenging that they became suzy's little secret pen pals house and she would have these relationships with total strangers and on Christmas morning she would call them and during the holidays as in just comfort them or not let them ever feel alone and it when I think about it it it makes me a little bit emotional thinking how she changed and continues to change one at a time so many lives so many hearts so for me. That's the true spirit of Christmas are kt so it's about to end this podcast. So everybody I wrote a little poem for you and I get that. It's about Christmas and I understand that today is the first day of Hanukkah but it's also it's just what came out so just I wish all of you a happy Hanukkah. Obviously but it's just what came mm out so here it is. Are you ready. So it's three days before Christmas and under the tree the kids are looking and wondering. Why are there no gifts for me? You have explained to all that money is tight but the kids are saying. We're still going to get presence right. You have made it. This inspired by not giving in but the pressure is mounting. And the kids desire in your guilt are starting to win however in the back of your mind you can hear my voice loud in Clare saying please don't go into debt just to show your loved ones. You care the greatest gift any of you can ever give is the gift of love. It's a great way to live so I don't know why but I just wrote that this morning so it's mainly because it's it's in these last days before Christmas where the pressure mounts and you give any. I'm just going to go and I'm just going to get anything. I see so that I have something to give to somebody else. I am asking you to make this holiday season a holiday season that you give to yourself. This is a holiday season that you say no out of love for yourself versus Yes outta guilt or shame or fear of what others may feel and this is a holiday season that you know that Katy and I wish you what Katy the happiest of holidays and and May Your House be blessed with the love that we feel every day in ours.

SUSIE Kt Aunt Suzy Katie Katy Suzie Ormond Clare
"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

09:51 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"Birthday Jacobs. The only gifts that were able to be given in our family were gifts that were made and no money was spent even on the materials to to make that gift. You had to figure it out at find it and whatever on your own way. Let me tell them about you. Suzy gives it's me for many occasions. The most precious gift of all can you guess what that would be so every holiday or your special occasion or Remembered suzy gifts me with the one gift and I longed for this. Every single year she writes is the most unbelievable letters one day I may publish them or allow them to be shared. They are soap beautiful and so heart warming and and creative and unique and full of love. I can't even fine words to describe it and I talked a lot everyone. They're having an artist. She talks to them precious gift. Suzy could ever give if me and what do I do. Kt with every little scrap of paper. You have ever written on notice today. I met you whether it's out. I have to go pick this up. Whatever I have saved? Every single scribble and fabulous letters as well. That Katy has written me since the day. I met her. You should see how large this boxes just two boxes. Now you started a second. Yeah and here's what's interesting about that. I don't collect collect anything. I collect two things and two things only everything else I throw away. I am like this. Clutter clutter less lighter less freak. It's like oh I don't need this gone. I don't want this gone. It's whatever but the point is is that I only collect. Kt's letters to me and scraps of paper and the coins the military coins that I've been given over all the years that I've worked twit the military and day. I'll tell you more about those all right. Where do we go from here now? Kt well today's the first day of Hanukkah social do we should. We share a little story about our life on the island and Columbia. WanNa tell funny. This is fun everybody so Suzie see and I have A House Man. That actually takes care of our property. He actually helped build this home that we live in and we love him like our Sun. absolutely adore him. And he's a big guy he's he's young and his name is Columbia. So Columbia is from Columbia. He's from from South America. He never even knew what Hannukah was. But when Suzie and I were here the first holiday we lit a minority grandmothers Manara and he said the only thing I've ever stolen you stole it. Yeah what do you mean you stole. Do you remember when my mom was dying. You should not tell people in a podcast podcast. You stole a minority. I kinda. She didn't steal it. It was left. She took her mother's belongings and didn't ask her two brothers if they would like she. Just afraid that my mom was going to give. It was my grandmother's Manley's of grandma. Goldies I nor my Mama was obviously Awasthi. Failing are GonNa let me finish the story of Columbia so I obviously have no choice in this gone so I said you gotta light the candles in Sing a little song and you because I love holidays. I don't care who they are. I love holidays. So suzie starts lighting the candles and he comes in he said what are you doing. I said Colo.. This is Hannukah uh-huh and every night for eight nights suzy's GonNa at Sunset will like a candle and sing a little song. It's called a prayer and you get a gift. Called a predicate okay. She sings a little prayer and traditionally kids. Each child would get a little gift on each night. He said Oh. I love Hannukah So Suzanne I we kind of played a little joke and we got. We actually bought some things for him that he needed like socks underwear sneaky Hours and every night under the tree under a Christmas tree we had a Hanukkah gift for Columbia and when that Sun was going down he'd run in to be there when she was lighting the minorities forty by the way a big boy and we gave him his gift and he just loved Hanukkah so this year you know he said hey are we gonna have Hanukkah again. I said if Hanukkah every year so that's his favorite holiday and I'll and yes we do by him little things because when you live on an island there's no way to buy anything. There's no place on on this island to buy anything really so everything has to be brought in and for so for Columbia not for each other. But for Columbia. We do make make exceptions at by him things that he absolutely sings about a shadow of a doubt. Not once these are needs but the main point really of this podcast is that there's a joy in giving of yourself. There's a joy of giving gene priceless gifts. That are beyond anything that you could ever buy for anybody. Do you know when I was. I always doing the today. Show and the Oprah show I would go out on the streets with my cameras And the Suzie Ormond show and I would go up to kids and I would say to them because they were always around thirty rock and I would say to them. Can you tell me what you got last year for the holidays and they would look at me and they'd go I actually don't remember then. I started. Ask adults what were you given last year for the holidays holidays and they couldn't remember so I'm asking all of you right now. What were you given last year? Ask Your kids if they can remember what they we're given. Because here's what's so sad is most of you have had to put those gifts on your credit cards. Pay The minimum payment due when the bill comes in it will take you ten or fifteen or thirty years possibly to pay off those gifts of all you pay is the minimum payment to and you can't ever remember one year later. What it is that you gave or were given the people are still paying for? I just think that's crazy. What are you smiling? Eileen about we didn't finish about something about Colombia of Jesus Gano what 'cause he's like our son he makes makes every year gift for Susie not for me because I have to collaborate and help them a little for Suzie. Probably because she's the captain of the boat so he makes a gift every year and every year that give tasr a nautical theme and she loves them. Tell woody made. Yeah my favorite of all the gifts he made me really. Is this little sign. And he finds all this material in the you know the garbage tape of this island where people throw things away and he made a little sign that says gone fishing any painted it and they put little fish hooks to hang it up with a little bead a hanger that he made so every day. When we're out fishing we hang that on the front door so the people know were not in the house where actually out fishing? That is my favorite thing. He did another little. The sign was so popular that he said. Hey can I make are another sign I said of course. He made another says quiet. Please recording and a- and he makes suzy these little gifts that are so precious but they all have a function. It's something that is more meaningful. Can you tell all that she really loves this man. Oh we do like our boy. Yeah and the reason we love him so by the way is he's always happy such such a happy person. He's always grateful for every little thing that he has as well as little things that happened on this island he spent on this island now for almost was twenty years. Can you imagine. And he's just so great. Now what was I talking about when you sell. It erupted about people spending money any and how they are still paying for that so that that does bother me but I just want you to really understand Dan that maybe this is a tradition that you should start a tradition of giving of yourself more than giving of of your money giving of your love versus giving more of what somebody says they want it. Just this is the time time this is a time in everybody's life honest to God everybody or I would just so want you Ju- just the as happy be really as happy as Katie and I are to be as happy as Columbia is to be as happy as everybody could be if they just came from the true spirit of what's important in life and what you can buy with your money is never going to be what's really important in life..

Suzie Ormond Suzy Columbia Birthday Jacobs South America Kt Katy Awasthi Manley Oprah Dan Manara Ju woody Suzanne I Katie Eileen
"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

09:31 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"All right it is is the first day of Hanukkah. It is also three days before Christmas so this is obviously. Is They gift. Giving time of year are and so with that said I was thinking what is the greatest gift that I've ever been given me now. I guess she but it and I guess she just gave it away away and happy holidays. Everybody I can't tell you how excited I am to be back. It's easy let me in. She let me in her sacred space. This is her recording studio. Someday I'll publish a photo of what it looks like it's fabulous. It's tiny amy. She doesn't ever need a lot of space but I'm in and since she's back everybody for those of you who don't know that is. KT KT stands for Kathy Travis Travis and Katie and I have been together now for about how long truancy you're going on twenty years. Yeah something I know it's gets. It's better every year but I still think and I mean I think we're on nineteen but she wants to push it to twenty. I guess that is a good Sam that here's the scoop. Katie and I did do a podcast a number of months ago. He wanted to know what was so strange about that podcast. That was one of the most popular PODCASTS S. of the over one hundred podcast that I've done and ever since that podcast. What have you been saying Katie? When can I come back? Susie know every listen. Let me just talk a minute. I'll abseil wanted me back and I kept saying he went. Can I come back. She said Okay Thanksgiving you can come back then then Thanksgiving passes and Suzie. Let's do our podcast. No you're too busy you're cooking. You're with the family. Forget it. I have a deadline. Kt It's over then Thanksgiving passes and she said you know what we're GonNa do want together for Christmas. I tell them why. Suzy lightweight eight. Four four. You go onto you. Think everybody listening to this. Do you think the powerful Suzie Orman has any. Say when it comes to Miss Travis US I do not so go ahead girl so she said let's do Christmas and let's tell everyone what. It's like to experience Christmas every year with Suzy. Kind of like the same thing that happens. When hurricane season arrives she gets prepared? She doesn't like it. She thinks it's going to put tons kinds of people in debt. All the holiday gift giving all the shopping all the stress Susie does not like Christmas. Wave Away Kt. Let me just tell everybody everybody. It's not that I hate the spirit of Christmas. I hate the pressure that everybody goes into or under whatever you want to say to get gifts chiefs for Christmas Katie. Do you know all the years that I was a financial advisor seeing clients. You should see the smile. She signs you smile so pretty she got everybody. This is such a big deal that I get to come into her recording studio. She took a really nice shower. Made her hair a real pretty. She put on a beautiful blouse. susie looks so pretty right now in this little box that were what do you want from me. Kt from Byu. Why are you giving me you that you look really great and and I can well? I just looked worse than I've looked. The past is so sick she was. Does everyone know you were really told them the Thursday podcast and I told them that you wouldn't come near me because you couldn't get sick as if you went sick if you got sick everything anything went down. Can you all hear. She does have a little frog in her voice. I don't know Kt. Now I'm good. You get anyway back to the point that I was making aching. which is I would work so hard with my clients to get them Outta debt? January February march June August August September. October we were almost added debt then came November and December and they went right back into debt. You know why to by Christmas Hanukkah all kinds of gifts for the holidays and it would drive me crazy and I felt so bad because I understand all the pressure for that. All of you are under to give gifts to especially your kids your grandkids. But how do you do that when you don't have any money. Go ahead Katie. So suzie hates the holidays. I love holidays but not for buying gifts or receiving or giving we make things in our family. I think you've talked about this before before. In the past we make gifts. We don't buy them so let's start from the beginning. Oh but wait. Let me finish telling why I love it. I love visits at time I'm that we gather. I loved the decorating. I love the cooking. We I'm Italian. So we have this Italian tradition. Where we make these pastries called Gooch and this was passed down from my great grandma and now susie makes them in their beautiful pastries in the shape of a fish? Very befitting for our island lifestyle and we wrap those up and make them we present this as our gift to all of our friends so we deliver we go round and I make Susie. We're a little like little Christmas outfit and we go around in our Gulf Marley and delivering these pasties little cookies. Alright they love it. They wait actually every here. Everyone wants and not not for what we could buy them but what we made them in. This is a tradition that actually started when I first met Katie. Not just with the Gooch but we had to lay down family laws. Because at the time that I mccade T- Katie has two sisters and one of her sisters Ed Brown three brothers sorry but we always celebrated with sister uh-huh and and their kids but the younger sister her kids were only like three or four and one in to whatever Everett was when aunt Susie came into the picture so we had to have new rules. What were those rules? Kt We don't buy gifts. We make gifts for each each other and I have to tell you if those children are nieces and nephew are now twenty two twenty twenty if you were to interview them and say. What are the best Christmas memories you have with aunt Suzanne? Kathy they call me Kathy. They will tell you that the year in San Francisco that we took scrap wood and made a tree and decorations that we made by hand the year that we also made a minora because we celebrate almost everything. Why not go on go on KT and if we ask those kids about the memories I remember one year? They made us for us. The children made like a thousand little origami cranes. Yeah and they they displayed blade them in the form of Christmas tree. But here's the point for years and years and years. I refused to let anybody in this family by a Christmas tree. I was like no way. Are we spending money on a tree that we're then going to throw away but here's what we are GonNa do. Were going to go down to or the Christmas trees are sold. You want to tell you I did that you did was that it was my the idea. Oh are you waiting. Suzy would not let me have a Christmas tree. This was our first Christmas together in Manhattan and on the corner of where we live. Live was A guy that sold trees it might and he is to cut. The bottoms often had a big pile of scrap. And I said can I try to create something and Susie Susie said. Kt is fine with me. So I went down and and asked if I could have all the scrap cuttings. He said lady take whatever you want. gave me a big pile. Ohio and I brought them back into the apartment and had we had a really nice glass vase for flowers. We filled that up with water and red apples young. We sunk apples in it. Remember and we've put all those branches in the cuttings and made the most beautiful Pine Hind Arrangement and that was our way of celebrate. A year is a little by little so that might have been her idea. We've had an idea when we spent Christmas in the island. Yeah wait where where we at Eric and Dan Oh susie tell them what we do again. There for Christmas is we walked the beach and we found driftwood and we brought it back to the place that we were staying and we found shells and we got string and we hung the shells on the driftwood in in a bucket of sand and it was so pretty we can go on and on with these stories but here is the main point for years and years I refused to let anybody in my family by Christmas or Hanukkah or holiday gifts as well as.

KT KT Susie Susie Katie Kathy Travis Travis Suzie Orman Pine Hind Arrangement advisor Sam Gooch Ohio San Francisco Suzy Gulf Marley Eric Dan Oh Suzanne Ed Brown
"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

01:51 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"Are. <Music> <Music> <Music> <Music> <Music> <Speech_Music_Female> The on <Music> <Speech_Music_Female> <Speech_Music_Female> <Speech_Music_Female> <Speech_Music_Female> <Music> <Music> Zinke <Music> <Music> <Music> <Music> <Music> <Music> <Speech_Music_Female> <Speech_Music_Female> <Music> <Music> <Music> <Music> <Music> <Music> <Music> <Music> <Speech_Music_Female> Suzie ormond <Speech_Music_Female> <Advertisement> women money. PODCAST <Speech_Music_Female> <Advertisement> is presented <Speech_Music_Female> <Advertisement> by Jackson helping <Speech_Music_Female> <Advertisement> people pursue <Speech_Music_Female> <Advertisement> financial freedom for <Speech_Music_Female> <Advertisement> life at Jackson often. <Speech_Music_Female> <Advertisement> We believe <Speech_Music_Female> <Advertisement> it's important to empower <Speech_Music_Female> <Advertisement> people to take <Speech_Music_Female> <Advertisement> charge of their finances <Speech_Music_Male> <Advertisement> and live life. <Speech_Music_Female> <Advertisement> Well were there <Speech_Music_Female> <Advertisement> owning and managing wealth <Speech_Music_Male> <Advertisement> or living life <Speech_Music_Male> <Advertisement> in retirement. <Speech_Music_Female> <Advertisement> Find the resources you <Speech_Music_Female> <Advertisement> need to live <Speech_Music_Female> <Advertisement> the life you want <Speech_Music_Female> <Advertisement> at the financial freedom. <Speech_Music_Female> <Advertisement> Studio <Speech_Music_Female> <Advertisement> Jackson is <Speech_Music_Female> <Advertisement> the marketing name for Jackson. <Speech_Music_Female> <Advertisement> National Life Insurance <Speech_Music_Female> <Advertisement> Company <Speech_Music_Female> <Advertisement> and Jackson National <Speech_Music_Female> <Advertisement> Life Insurance <SpeakerChange> Company Dave <Speech_Music_Female> <Advertisement> New York <Speech_Music_Male> <Advertisement> <Speech_Male> to <Speech_Male> take advantage of the will <Speech_Male> <Advertisement> entrust offer. Please go <Speech_Male> to Suzie. ORMAN DOT <Speech_Male> <Advertisement> com slash offer. <Speech_Male> That's Suzie <Speech_Male> ORMAN DOT com <Speech_Male> slash offer <Speech_Male> in providing <Speech_Male> answers. Neither Suzie <Speech_Male> Orman media nor Suzie <Speech_Male> Orman is acting as <Speech_Male> a certified financial <Speech_Male> planner adviser <Speech_Male> a certified financial <Speech_Male> analyst and economist. <Speech_Male> CPA account <Speech_Male> or lawyer. Other Suzie <Speech_Male> Orman media <Speech_Male> nor suzy or <Speech_Male> make any recommendations <Speech_Male> as to any specific <Speech_Male> securities <Speech_Male> or investments all <Speech_Male> content is for <Speech_Male> informational and <Speech_Male> general purposes only <Speech_Male> does not constitute constitute <Speech_Male> financial <Speech_Male> accounting or legal <Speech_Male> advice. You should <Speech_Male> consult your <Speech_Male> own tax legal <Speech_Male> and financial advisers <Speech_Male> regarding your particular <Speech_Male> situation. <Speech_Male> Now they're Suzie orman media <Speech_Male> nor Suzie Orman Orman <Speech_Male> accepts any <Speech_Male> responsibility for any <Speech_Male> loss which may arise <Speech_Male> from accessing <Speech_Male> or reliance <Speech_Male> on the information in <Speech_Male> this podcast and <Speech_Male> to the fullest extent <Speech_Male> permitted by law. We exclude <Speech_Male> all liability early <Speech_Male> for loss or <Speech_Male> damages. Direct or indirect arising from a use of the information.

"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

01:47 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"If you need a hundred and forty thousand dollars to pay off your mortgage you're going to have to take out. Maybe two hundred eighty thousand dollars so after you've paid federal income tax on it possibly state income income tax depending on where you live. Maybe then you'll have one hundred and forty thousand dollars. Are you crazy. You are not going to do that. It makes absolutely absolutely no sense but you are the perfect example of why I keep saying invest in a roth. Ira Invest in rof accounts. Because Cindy if all of this money had been in a roth. Ira You could take out one hundred forty thousand dollars no taxes. No penalties is nothing and pay off your mortgage and then that's how you would be wanting to live but no because it's in a traditional. Ira You can't do that so you just have to continue to pay it however you still owe twenty six years on a thirty year mortgage. Why don't you have avenue amortization schedule done and see how much you would have to pay per month so that it would be paid off in fifteen years or refinance it to a fifteen year fixed rate mortgage because interest rates on fifteen year fixed rate mortgages are a half a percent less than probably what you're thirty year mortgage is currently than fifteen years or possibly paid more per month? It would be gone in ten years. And then what would happen. Your traditional Lia- would continue to grow. Everything would be great. And that's what I would do if I were you next. One is from fill one of the men's smart enough to listen. Hi Hi Suzy. Love your work. I really could use your advice. I'm fifty seven work fulltime..

Ira Cindy
"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

01:53 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"<Music> <SpeakerChange> <Music> Uh <Music> <Music> <Music> <Music> We will. <Music> <Music> <Speech_Music_Female> <Speech_Music_Female> We will <Speech_Music_Female> <Speech_Music_Female> the thinking <Music> <Music> <Music> <Music> <Music> <Speech_Music_Female> <Music> <Speech_Music_Female> <Speech_Music_Female> <Music> <Music> <Music> <Music> <Music> <Music> <Music> <Music> <Music> <Speech_Music_Female> <Music> <Music> <SpeakerChange> Women <Speech_Music_Female> Money podcast is <Speech_Music_Female> presented by <Advertisement> Jackson <Speech_Music_Female> helping people <Speech_Music_Female> pursue financial <Advertisement> <Speech_Music_Female> freedom for life at <Speech_Music_Female> Jackson. <Advertisement> We <Speech_Music_Female> believe it's important <Speech_Music_Female> to empower our <Advertisement> people <Speech_Music_Female> to take charge of their <Speech_Music_Female> finances <Advertisement> and live <Speech_Music_Male> life well <Speech_Music_Male> whether owning <Advertisement> and managing <Speech_Music_Female> wealth living <Speech_Music_Female> life in <Advertisement> retirement <Speech_Music_Male> find the resources. <Speech_Music_Male> You <Advertisement> need <Speech_Music_Female> to live the life you <Speech_Music_Female> want <Advertisement> at the financial <Speech_Music_Female> freedom. Studio <Speech_Music_Female> <Advertisement> Jackson <Speech_Music_Female> is the marketing name <Speech_Music_Female> for Jackson. <Advertisement> National <Speech_Music_Female> Life Insurance Company <Speech_Music_Female> <Advertisement> Jackson <Speech_Music_Female> National Life Insurance <Speech_Music_Female> Company <Advertisement> of New York <Speech_Music_Female> <SpeakerChange> <Speech_Music_Female> <Advertisement> <Speech_Music_Male> to take <Speech_Male> advantage of <Advertisement> the will entrust <Speech_Male> offer. Please go to <Speech_Male> Suzie. ORMAN DOT com <Speech_Male> slash offer. <Speech_Male> That's <Advertisement> Suzie ORMAN <Speech_Male> DOT com slash <Speech_Male> offer <Advertisement> <Speech_Male> in providing answers. <Speech_Male> Neither Suzie Suzie Orman <Speech_Male> media nor Suzie <Speech_Male> Orman is acting. As a certified <Speech_Male> financial planner <Speech_Male> adviser a certified <Speech_Male> financial <Speech_Male> analysts and economists. <Speech_Male> CPA account <Speech_Male> or lawyer. Other <Speech_Male> Suzie Orman media nor <Speech_Male> Suzie Ormond Ormond make <Speech_Male> any recommendations. <Speech_Male> As to any specific <Speech_Male> securities or <Speech_Male> investments all content <Speech_Male> is for informational <Speech_Male> and general <Speech_Male> purposes only <Speech_Male> does not constitute <Speech_Male> financial accounting <Speech_Male> or legal advice. <Speech_Male> You should <Speech_Male> consult your own tax <Speech_Male> legal and <Speech_Male> financial advisers regarding <Speech_Male> your particular <Speech_Male> situation now. <Speech_Male> They're Suzy Armenian <Speech_Male> nor Suzie orman <Speech_Male> accepts any responsibility <Speech_Male> see for any loss <Speech_Male> which may arise <Speech_Male> from accessing <Speech_Male> or reliance on the <Speech_Male> information in this podcast <Speech_Male> and the <Speech_Male> fullest extent permitted <Speech_Male> by law weeks <Speech_Male> all liability <Speech_Male> for loss or damage <Speech_Male> is direct or indirect arising from the use of the information.

"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

02:12 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"And does it really not affect your credit score before I go on with this e mail here's the thing a lot of you are in credit card debt and you don't know what to do you don't have a great fico score credit score and therefore you can't do a balance transfer you can't get zero percent interest rate on a balanced transfer card or whatever it may be and actually you can't get any new credit cards at all transferred to at a possible lower interest rate than what you are pain and so you are looking for a situation to help you get out of credit card debt and over the years I have recommended you go to an FCC DOT org which is a non profit corporation that will work with you to lower your interest rate it's find a place for you to work with directly and give you a five year plan to get out of credit card debt and simple it's where you pay them they pay the credit cards because the credit cards are being paid by them the credit card companies will lower your interest rate to a great she goes on to ask reading their website I'm a little concern it says they leave a note in your fico score about being involved in a debt management plan but claims it can only positively impact your score because of on time I and no credit inquiries I'm truly asking for a friend smart enough man who listens see I love that the man should have been able to ask this question himself I would have answered it you know I just don't answer questions from women but who pays minimum on time and his only basically been a position to pay more he's close to forty thousand dollars in debt and needs to do something.

FCC forty thousand dollars zero percent five year
"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

10:25 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"Maybe we need a change of one on. Maybe we need to change the beginning of the thing because you know that this isn't any ordinary podcast. Why don't one of you write me at theme song. I can play it all the time. Why don't one of you write what you think. I should say to open up this podcast for next season. I would love to be able to use that but I wanNA talk and today's podcast about family and money and especially parents parents that may be have to end up going to a nursing home parents that may be you have to take care of whatever it may be but making finances finances a family affair and the reason I want to do that as as I'm looking at the questions. A lot of you are writing in about that so I thought you know what maybe I'll famous. Ask susie anything and make it about that by the way if you WANNA write in and have your question answered answered. All you have to do is right to ask Susie podcast S. E. DOT COM. I read them and if I choose. Is it an answer it on the air here then you'll get the answer to your question but for now let's first go to Marisol. I saw now. I'm going to read a lot about her question what she says. It's quite Langley but I just want to get an idea. India of what happens as you're getting older and your parents are getting older. Your Mom Your Dad. Whoever is getting older just so you can see see what can and most likely will happen. She says Hello Suzie. My question is regarding pain for a nursing home for a your parent with an H. S. A. Hsa by the way everyone Stanford health savings account. I did talk about them in a podcast a few months ago so look it up at anyway. I am forty eight years old excellent health and single mom of two boys twenty and eighteen eighteen year old. My mother has been suffering from dementia for a few years now however she's getting to the point where she needs special care such as a bath excetera am. I three siblings cannot do it any longer as they're exhausted. Their ages are sixty three sixty five and sixty seven years old before I go on. I just WANNA say given that. I'm older than all three of her siblings. I'm wondering they're are exhausted. Makes it sound like they're so old. Doesn't it but what makes you old. Are you old physically. Are you old old financially because you just you just don't know where it's GonNa. Come from ingest even feel old. Are you old meant like old I'm no no sixty eight. I still feel like I'm twenty. Five act like six half the time but again that's besides the point anyway. I cannot did not help out as I live in another state and work full-time. They're all retired and married but are very tired as my mother are barely sleeps through the night. I requires care twenty four seven before I go on. I'm just going to say really like they can't take turns like remember when your mom took care of you. Maybe didn't sleep at all for years when you are a baby but again that's besides the point anyway we we decided the best for her is to go to a nursing home. Even though that breaks my heart as she won won it I have to tell you breaks my heart to it. Breaks my heart to because if you ever have a choice in life to a keep your parent at home with you. Can you just do that because it's not like you think everybody. It's not like you think Bonani way but at this point that's best for her and she needs regular medical care that she's not getting now. She doesn't have enough medical. Oh coverage so doctors. Don't want to go to her house. Why is it that she can't go to the doctor's okay. The cost of the nursing home will be split between the four of us which is a hundred eighty three dollars a month each after her social security security and Medicare part A. My question is can I pay the hundred eighty three dollars through my Hsa it even though my mother is not my dependent. My sister claims her so mirasol first of all you cannot. I'm not pay for your mother. Even if you claimed her as a dependent you cannot pay for her with your own H. S. S. A. You could pay for yourself. You could withdraw money for yourself even for a long term care insurance policy but you cannot don't do it for your mother just so you know but the real question becomes all right you can't pay it with the HSA. You'RE GONNA pay for it out of your pocket but you also have to be realistic and I know this is GonNa the sound harsh to you when you put your mother in a nursing home if she doesn't have at times as S. she gets dementia and she gets worse in aid while she's in the nursing home to take care of her. Things things can go wrong so the answer just isn't. Let's put her in a nursing home. The answer is all right if you're GONNA put her in a nursing home. Somebody also really has to watch her very very closely while she's in the nursing home. I am just telling telling you that I have been through this so many times now with so many people especially even Katie's mother and so. It's not just putting her in a nursing home. It's making sure that she is taken very well care of while she's in that nursing exceed home for me. I still wish that somehow you could figure out how to keep her at home with all. Aww Your siblings now. I know that I sounded a little sad answering that question and I sounded sad because gee you know a little bit about my background. Do you know that my degree was really in social work and I spent a lot of time at nursing in homes and and I saw what went on my grandparents went to a nursing home I saw what went on and even even Katie's mother went into a nursing home and we paid a lot of money for that to happen and then one day she was doing pretty pretty well and she fell out of her bed. Nobody was watching her. Somebody dropped her. Whatever it was and so even though she was in a nursing home home we had to get an aide to be with her to watch her so that she got the attention that she needed so I get sad? I think that's how people's lives and up. Maybe that's how my life's GonNa end up who knows but it's what made me sad about about that. Last one is that Mama didn't WanNa do that but yet 'cause heard siblings were tired. That's what's going to happen so so anyway. Sorry about that this accurate away. They're all right. Let's go to the next one from Shanna or Shayna or however. You say it anyway anyway I off. She says I'd love for you to talk about family and money. That is what this podcast is about. She says my parents in-laws are both seventy. They spend their money on vacations and material things with minimal regard to saving for their retirement. My husband and I both forty five have and continue to work to save money for our retirement and maintain a debt free life with with goals to pay off mortgage in the next year and then Save Save Save. My inlaws have implied. They don't have to worry as much about retirement retirement as they seem to expect their child to support them in their retirement since they as parents supported him through higher education education paid for part of his tuition she continues to say the least resentment is building building up. I agree that goal of money is to feel secure and the idea that the security could be wiped away because of the expectations of others terrifies me. I recognize a sort of duty to take care of one's parents but what about when they make no effort to take care of themselves. How would you suggests some one approach this Dilemma Shirley. I'm not the only one in this kind of scenario. This is a hard one and it's a hard one because of people's mental attitudes as you see you say that they are both seventy that is two years older than me in two years older than me as I am recording this answer and that is not old in fact. I'm GONNA be doing a podcast here shortly on a Sunday for a Sunday podcast about what I think everybody's going to have to due to be okay in the future economically speaking.

Katie susie H. S. A. Hsa Stanford India Langley Bonani Mama Shanna Shayna hundred eighty three dollars two years eighteen eighteen year forty eight years sixty seven years one day
"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

11:09 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"For a managed mutual fund is one to one point two percent period on a passive funds such as an index fund they just by the entire index. The truth of the matter is you shouldn't really be paying more than point. Two five percent or zero percent percents fidelity has no fee funds the lower the expense ratio the better off you are the same aim with exchange traded funds so I hope that cleared up that confusion for you the next one is from Joe and I've actually been emailing back and forth with Joe and to tell her how to hopefully fix this mistake that she she made to the best of her ability but I wanNA talk about it today on Susie anything because I do not want you to ever make the mistake that Joe and made hi Susie this year. I left my place of employment after I was being sexually harassed by my supervisor the school principal double after being out of work for ninety days. I was eligible to withdraw savings from my retirement funds in a state eight public employees retirement plan. We stop their first second so she had her money in a retirement the plan just like you may have your money at a retirement plan at the place that you work got that. I will continue. I I decided to withdraw this money because my employer did not match and should I ever need it. I would never be able to withdraw AH borrow from it even though it was one hundred percent funded by me. The total saved was forty six thousand dollars and after withholding twenty percent for federal taxes thirty seven thousand was deposited into my bank account. Listen closely everybody because this was a serious mistake no that Joanne is thirty six years of age and remember umbrellas. I'm reading this that when you take money out of an employer sponsored plan especially if it's not a roth of any kind which this was not you will pay ten percent penalty tax on it plus that money will be added to your income this year year or the year you withdraw it as ordinary income so you will ordinary income taxes on it and depending on the state state you live in you may have to pay a state penalty tax as well. She goes on to say. I would like like to put the money into a roth. IRA and continue saving for retirement again big mistake you cannot just put thirty thirty seven thousand dollars into a Roth IRA maybe you could of converted it to a Roth. Ira But then you again would have owed taxes. X.'s on all of it. It just would have made no sense but here we go she asked what do you suggest I do with the money. What's the best way away from me to save invest it without being taxed again I with to the money because I did not have another retirement account set apply for our Rollover Joe an you could have set one up but I'll wait to give you your answer here. You should also know that oh I do attend to us about ten thousand dollars of it to repair a home gifted to me by my mother which I will advertise for rent and use as an additional source of income alright. Joanne listen to me but more important because I've been telling telling you I contacted Joanne 'cause. I was so upset about this email but I want you to listen to me. If you have money in an employer sponsored plan and you are not at least fifty five years of age or older in the year that you leave service all right you will have to pay a ten percents. San Penalty tax on any amount of money that you with drop that's number one the way that Joe and undid it is not only was she given only thirty seven thousand dollars and they withheld twenty percent for tax axe. She is going to show ordinary income tax on forty six thousand dollars. That's going to be added to her income this year and a ten percent penalty tax on that which is forty six hundred dollars and possibly a state tax as well all depending on the state that she lives him. What should joe an have done and what can? She do first of all she should have. I've done a custodian custodian transfer from where she worked to a discount brokerage firm where she set up an an IRA rollover. She said she didn't have one she could have created one and then the money would have gone directly from her ex employer into her account. No withholding tax nothing and she would have forty six thousand dollars in her. IRA rollover she says in her email is she went on that. I didn't reach you just got another job as a teacher so that she could have been done if she wanted to do is take the money and roll it from her. Ira Rollover into her new employers account as well and continued there there are just left it in the IRA rollover and little by little convert it to a Roth I. R. A. What can she do now when I asked her. When did she get this money. She said about ten days ago. Oh so listen closely if you ever make the mistake that Joe an made you have sixty deep days from the date that you got this check from your ex employer to take it to a brokerage firm or a discount brokerage firm or a credit union or wherever you're going to open up an IRA rollover and deposit it now you have prevented pay ain't taxes the amount of money that is in the check. The problem is you had in this case Joe and forty six thousand dollars in your account you only got a check for thirty seven thousand 'cause they withheld tailed almost ten thousand dollars for tax if you do not get that ten thousand dollars from from somewhere else a savings account or wherever you have money and put that into your IRA rollovers so you have a full forty six thousand thousand dollars in there you are going to still owe income tax on that ten thousand dollars plus a ten percent federal tax tax penalty and depending on the state. You live in a state tax penalty as well. At least you're not gonNA owe taxes on all of it so again the reason that you never ever get a check from an employer and then open up an IRA rollover is 'cause they all will withhold twenty percent in taxes the only way to do it is the Custodian Custodian transfer for them. They will not withhold twenty percent in taxes so if you ever make that mistake just no you have sixteen exte- days from the date of your check that you got it to get it in to an I r a rollover where too I think you should open up an IRA rollover over at a discount brokerage firm fidelity td Ameritrade wherever you feel comfortable right now my favorite happens to be the doughty. Do Not make this mistake you cannot afford to do so and I just have to say Joanne. You still want to keep ten thousand dollars to fix fix up the house. You'RE GONNA lose a thousand dollars of that to a ten percent penalty. You'RE GONNA have to pay taxes on that by the time you're done. Maybe you're going to have five five thousand dollars now do not do that. This question is from many she says. How do I close off multiple all paid off credit cards without affecting your FICO score. Many the truth is if your credit cards are not charging you a fee to have them. Check your FICO score. If your FICO score is great right now just leave everything exactly like it is just cut them up and forget about them. If however your FICO score says you have way too many credit cards open and it is affecting your fico score as long as you don't carry a balance on any of your cards. It's not going to affect your FICO score. Big Time just closed the credit cards that you most recently opened all right because you don't want to close down your credit history which counts for about ten percent of your FICO score. This one is from Gha veras. I I think that's how you pronounce her name. I have a TSP and I'm retired and I am sixty. My spouse has a deferred four fifty seven and also retired and he is fifty nine. There's three hundred thousand dollars in each love that because we wanted to use you some of it for our kids college which is now here to kids are going in September of two thousand and nineteen. We got Azero financial aid. Now we find ourselves in attacks pain disaster all right first of all the lesson here is do not use a pre tax retirement account for the purpose of funding.

Joe Joanne Ira Custodian Custodian Susie Gha veras supervisor San principal ten thousand dollars ten percent forty six thousand dollars twenty percent thirty thirty seven thousand d forty six thousand thousand do three hundred thousand dollars
"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

10:22 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"Just tend to do things with your money or take actions with your assets before you even ask or know if you should would or should not and I'm inundated this week by questions of now. Don't do that or no. You'll we'll see one with Joanne. No I can't believe you did that. That's a mistake so that's what today's ask Susie. Anything is going to be a vow and if you WANNA ask a question all you have to do is send an email to ask Susie podcast. SUV You should know how to spell spell my name by now as Z podcast at g mail DOT COM and if I choose it I will answer it on. This podcast had cast soon very soon. My APP will be finished. Got Postponed a little because of this hurricane that we went through and as I do this podcast. There's another one out there. I can't believe it but it's alright. It's okay I'm just going to deal with but so soon you'll be able to see all the questions that come. I'm an you'll be able to see the ones that I do answer online. You'll be able to do so many things. I hope you participate in it but I'll tell you more about that when it is absolutely ready. The very first one today is from Sarah. She says Hi Susie I've been listening to your podcasts and I'm going back starting from the beginning now Sarah. That is a good idea. You know the other day I was talking to my niece Alexis and she was telling me how how she had listened to the money mind podcasts at I did just a few days ago and it was her favorite podcast out of all the podcasts I've ever done and I asked her. I said have you listened to all seventy of them now. No she did not answer. It was like suzy. I'm giving you a compliment. Can't you just say thank thank you Alexis. That's very kind of you but it's true. There are so many great ones. Some are greater than others. Some are just great it of course I would think that but it isn't bad to go back and listen to every single one of them disco download them all and then you'll be able doc to decide for yourself. One in particular Sarah says was very timely. My mother in law contacted my husband about considering having his and his sister's name put on her house in the event. Something happens to her to avoid delays now before I just go on here in the event. Something happens to her. It's not if you're going to die. It's when you're going to die. Something is going to happen sometime in your life and you have to be prepared for that no matter when it happens just saying anyway. She asked to consider it and get back to her. He came to me with this and we agreed. We need to do our homework to make sure we weren't setting us up up for failure. I've learned from your podcast that mother-in-law needs a trust and I'm going to talk to her about all of her essential documents in in order to really make things simpler especially if she were to be incapacitated we will be approaching her with this information when we have all all are facts and figures if you have not listened to the podcast about why you need a living revoked trust. The must have documents everybody I. I suggest that you all do so but here is her question. My questions are what does this mean for my my husband and me if his name is on it. What would we be responsible for regarding the House also my husband and his sister are estranged if his name is on the House with his sister. Does any of that make him liable for anything related to his sister. You're fine naturally that is Sarah's question all right. Sarah listen if your mother-in-law aw was to simply put your husband and his estranged sister on the title of her home as join tendency with writer survivorship upon her death that house is going to go to both of them if if they want to sell it they both have to agree on selling it they both have to agree on the price to offer for it so that is is not a good situation on any level also as I have said in previous podcasts that if your name goes on title to the House with your parent they gift it to you then you have to make sure that they're not also gifting to you their their cost basis on the house so that therefore when they die you don't get a step up in cost spaces on the house and then you have to pay taxes on it depending on how much it has appreciated so if you do any of that you better do it right. You are correct. It is far better to have the house owned in a living revoke trust left to both your husband and his estranged sister how ever I would make it in the trust trust already what is to happen to the house upon mother-in-law's death. The House is to be sold. The assets are to be divided equally. There are to be no arguments about this. I would make it very very clear so that your husband had very little to do with his estranged sister that it was all laid out in the trust. According to your mother in Law's wishes. Does this means that your husband is going to be related in any way to his sister. Financially besides the house know the best way to do do this is to set it up in a living revoke -able trust left to your husband and his sister that way you easily get a step up in cost basis and none of it is deemed a gift. It is deemed left to you upon her death. That is what I would do however I would make it that your husband was the only one who was able to make decisions citizens about the house in case his mother was incapacitated if it has to be him and his estranged sister making decisions for her no decisions may be made. She may be left in jeopardy so mommy has to decide. Is it your husband or her. Her daughter that is going to be making the decisions about incapacity and everything else this next one is from Jill so it's a little bit long so I'm going to skip to it where she says Hi Suzy. I'm so empowered by you and Blah Blah Blah Blah ah right. She says I'm caught up on all your policy. I'm loving this and I completed your suzy school but there's still a lot of little details and information that is not addressed in your podcast. Question is what is an ideal annual expense ratio for exchange traded funds and mutual funds your Suzy Schools States one point two percent for mutual funds and point five percent for ETF's. My greatest rated confusion. Is that throughout your podcast and your suzy school. Some of your advice has changed so here's what I want to say. age-old to this over the years yeah my advice changes which is why it's so difficult sometimes to say do this. Don't do that like a few years years ago. I never ever would have said to you by certain thinks I most certainly went told you to buy you know a thirty thirty year. Treasury bond versus the stock market versus things like that now. I'm telling you. I don't think it's a bad idea if you can get two percent to buy a thirty year treasury bond and so you have to understand if you are listening to my advice please look at the date of that advice. Things Change Change in two thousand and two and two thousand and one whatever it may have been in the late nineties. I was saying by real estate. Buy Real estate buy real estate in two thousand one in six. I was telling you sell real estate. Sell real estate that in two thousand and ten again I was saying okay by real estate so you've got to be able to to be fluid with me. Also in terms of annual expense ratios and an annual expense ratio is how how much that fund a Mutual Fund or Exchange Traded Fund annually charges you to manage your money so if that that fund returns ten percent. You're only going to get if they charge you. One percent nine percent on your money so an annual expense ratio is a big deal. Hopefully what I said and I will go back and check it on Susie school. Is that a managed mutual fund which is very different than a passive mutual fund managed. Mutual Fund is where you you have a portfolio manager that is buying and selling and he or she is the one deciding which stocks or bonds are in that portfolio art folio so they usually get a portfolio management fee or the expense ratio the most you should ever pay.

Sarah Susie suzy school Alexis Exchange Traded Fund Mutual Fund Joanne Susie school Suzy Schools portfolio manager Jill writer ETF two percent thirty thirty year
"suze" Discussed on The All New Suze Orman's Women and Money

The All New Suze Orman's Women and Money

07:11 min | 1 year ago

"suze" Discussed on The All New Suze Orman's Women and Money

"Point here. in the good old days you used. I used to be able to do something where you re converted back to your traditional. You didn't own the taxes and there were all kinds of great things to protect you that no l. Longer exists today so given listen closely again given that these markets are going up going down going up up going down and we probably will go into recession in the late two thousand twenty. Maybe two thousand twenty one and who knows who's what can happen given that nobody is at the helm hair making wise financial decisions with our trade wars because every three time president trump tweets about trade or something and this isn't resolved the markets will go down big time. The federal reserve not doing what he wants them to do. The markets go down and so therefore given that we are not brought in rational times it is possible that anything can blow at any time therefore i would not not and i repeat. I would not be converting from a traditional i._r._a. To a roth i._r._a. Until the markets actually do plummet and one day they will i don't know when that will happen and it could happen in the next next year in the next two years in the next three years but it will obviously happen and when it does happen that is the time time little by little to convert because as your money has gone down or the stocks have gone down. If you want to keep the same stocks six or whatever it may be then you do not oh as much taxes and if you have good investments eventually those investments will l. recover again. Did that make sense so no. I would not be converting right now. However would i be contributing into my roth 4._0._1._k. At work right now oh you betcha i would so just leave your traditional i._r._a. As as they they are make sure you're invested in good quality mutual funds e._t._f.'s and or stocks and what else contribute to a roth for a one k. not did. I just confuse all of you with that. I hope i didn't but if i did right in and let me know and l. straighten that out all right. Let's just do one more. This is from alexis. She says so. I bought your must have documents. I set up my revoke -able trust and had it and all other documents notarized now. I'm trying to transfer my roth off ira into my revoke -able trust. I called t._d. Ameritrade and they said if i do that it will be an early distribution penalty penalty but they said i could set up my trust as the beneficiary on my roth i._r._a. What am i supposed to do susie lexus this. How many times again have i said. This is why all of you need to go back and listen to all the podcasts over over and over and over and over again because you're missing. I say something that's important and you don't hear it. It goes one ear and out the other other and you just don't hear it and then you make mistakes and then you get mad at me. Get mad at me. Are you kidding me. Here's the thing an i._r._a. Individual.

susie lexus president Ameritrade ira l. three years two years one day one k