40 Burst results for "TJ"
Fresh update on "tj" discussed on The Afternoon News with Kitty O'Neal
"Folks filing for unemployment are doing it for a second time after Maury economic shutdowns took effect. Let's check the final numbers. Doubt 1 85 27 3 86 NASDAQ Up 109 above 11,000 for the first time in 11,001 await the S and P F 21 points. Gold up 22,069 Announced 10 year bond deal. 100.54%. Alright. I thanks to Kelly will be back with him momentarily for another discussion, but First Cadillac unveiling its future today with its first all electric vehicle. The 2022 Lyric cross over the vehicle will debut online tonight but won't be in dealerships until 2022. GM says it wants to sell more Cadillacs with rechargeable batteries and gasoline engines by the end of this decade. So we're back Kelly Kelly brothers from Genevieve's, Burford and brothers and, you know, Kelly a lot of different people. I talked to some of them who are not working right now cannot wait to get back to work, and then they're others who are hesitant to go backto work. It's just so hard for people to figure out what they want to do and where they want to be right now, and the job market is Confused Right now it is on understandably so, I mean, the employment numbers show that folks filing for unemployment benefits in California. Right now, more than half of them are doing it now for the second time this year. The people who were shut down. They applied for unemployment. It was open back up. They were shut down again Week. The yo yo approach just isn't going to work. I mean, I think all of this. All of these economic shutdowns are based on this hope for a vaccine, and that's probably a good hope. Hopefully, it comes about But if we thought there truly was going to be a vaccine for three years or five years, or as doctor found, she put it. You know that this may end up being something that's with us for a long time. It may almost become kind of a chronic situation. We couldn't shut down. I mean, the effects downstream are far worse than the actual disease itself. In terms of overall numbers to Ah, population, so I understand the frustration you hear about it every day. If you want your nails done there your hair done there. Go to the back door, Knock three times, give the password and walk in and that's the way it ISS. That is the way it is with a lot of jobs. People are just doing it. You know, on the side undercover, I mean, you know 11 wack things moving to the parking lot. Hey, you want to face TJ Max, You want to face whole foods? Where would you like to be exposed, So it's it's It's not going, so it's not a long term solution and and the yanking and the inn and the Yang. It's that's got to come to an end at some point. Hopefully, it's with a vaccine. But even if not, we, that might just be us living a different way, but at least going on with our lives because there are downstream effects and And you know, you're just asking people to buck the system, especially when the rationale Is not always that strong as to why one businesses closed and another one is still open. And you hear things like, well, you Kaneda restaurant much can't worship. You know you could buy cannabis but, you know, can't buy something else. And then you hear that all the time you get this? We can't get their schools. You know, Private day care could be opened. The private schools can't Even if they have cameras in every room, and, you know, synchronous learning opportunities. I mean, and we're still not concentrating on protecting the vulnerable. I mean, actually making it palatable and easy for, let's say 1/3 generation grandma or grandpa in a home where kids might go to school to actually move out for three months. Or someone who might have an underlying health risk. Those are the folks who need to protect All right, Kelly brothers..
Bored and Uninspired? How to Get Unstuck and Motivated.
"Hey sober sellers. It's Lynn. Peachtree. City and today I am feeling man. I just came off two days of celebrating my sober bursaries. If you didn't listen to last week's PODCAST I. Kinda celebrate today's the day. I went into treatment were was still a little drunk and then the day after where I was freer of. The chemicals in my body, and now I'm coming up on Friday. This is Wednesday and on Friday I turn fifty six. So this often happens to me although not unlike most of you I think I'm having some difficulties in figuring out how I feel during the time of the COVID. So I'm going to share some of those feelings that I just started. Thinking about this morning with you here on the podcast guided by what I like to look at when I'm feeling stock and uninspired, and what that means for me when I do feel stuck if I'm thinking more deeply about it and possibly what it could mean to you. So fifty six years is not a short time on the planet, but I sometimes feel as if I've only lived for ten years kind of wider awake. So the patterns that I've developed in my life sure, I can go and take some looks sees back into my twenties and find patterns like I'm seeing today, but they're so much more profound now that I don't dowse myself with alcohol every single day. One of the biggest realizations is for me, I tend to get really bored. Three years of living a certain way whether it's in a certain place or doing a certain thing. But I really see this in myself and not to say, of course, I don't love what I do or love where I'm at. But I start to get a little wonky on the inside and I'm definitely going through one of those phases. I lived in Peachtree city for over three years. I've been doing sober. So recovery and Lynn Matic counseling for Awhile and I'm getting an inch. Not to mention I think a lot of us are feeling really bored because of COVID and I say board with a capital, B. Because we. Have really dug deep into puzzles and artwork and getting creative and yeah. Once again, my guitar sitting out in my living room, probably need to sell that one too because I'm not playing at ultimately, the drive is to get something coming in to our systems something new as I was waking up this morning I. Know I've felt a profound sense of loneliness. In probably the last four months more intensely. I miss being hugged. I. Have Said Numerous Times on the PODCAST and I'm an introvert that doesn't mean, I. Don't go out and get me some hugs every week. Just the tactile stuff that were used to a client and I were discussing this week. How we Miss Window shopping just go into TJ, maxx or wherever you have access to a lot of shopping and walking around uninhibited. Really Kinda just wasting time, but it was meaningful for me and this client that I was talking to I, don't know if that's something that you miss as well or other. Other things sped sure enough. We can't do even those things that we may have not done a lot of pre covid. We don't have a choice anymore. So this intense lonely feeling was coming over me and I couldn't quite figure out why I'm still seeing friends although I think in the last couple of weeks I've shown some signs of loneliness where I'm like, you know turning down those opportunities to be with people a little bit more which was kind of assigned to me that I might need some introspection really diving deeper into why I feel this. Stuck nece especially because I tend to enjoy the more mundane aspects of life I like to sleep I, like to rest I like good food I. Like just time. Things are teaching in me. So I wanted to get to the bottom of or at least somewhere near the bottom of why to take you through how this goes in my a little crazy brain. This morning as I was noodling this idea of what I wanted to talk about I started to I look at loneliness, and of course, type it in Cova with that while I'm googling. Up came tons of articles, mostly by the way from like march through may about how to deal and cope with loneliness in the time of covid. I read those back in March and May, and feel like I've done a lot of those things I've kept up on my connections via text and phone and Zoom I've you know gotten more involved in some groups on social media, I've reconnected to some of those healthier things romy and eating better whereas you know in the beginning I was kind of Etienne love ice cream. And I'm really worked to try and figure out how I can make it through these months of
Fresh update on "tj" discussed on The Afternoon News with Kitty O'Neal
"Americans filing for first time unemployment benefits and at least in California. More than half the folks filing for unemployment are doing it for a second time after Maury economic shutdowns took effect. Let's check the final numbers. Doubt 1 85 27 3 86 NASDAQ Up 109 above 11,000 for the first time in 11,001 await the S and P. F 21 points. Gold, up 20 in 2069 Announced 10 year bond deal 100.54% and we'll be back with Kelly momentarily but first credit card company Capital one. Is planning to pay out $80 million after a hacking incident last year lawsuit claims that the company didn't have sufficient cyber security before launching the cloud storage. Of the customer information. So we're back Kelly Kelly brothers from Genevieve's, Burford and brothers and, you know, Kelly a lot of different people. I talked to some of them who are not working right now cannot wait to get back to work, and then they're others who are hesitant to go backto work. It's just so hard for people to figure out what they want to do and where they want to be right now, and the job market is Confused Right now it is on understandably so, I mean, the employment numbers show that folks filing for unemployment benefits in California. Right now, more than half of them are doing it now for the second time this year. People who are shut down. They applied for unemployment. It was opened back up. They were shut down again week. The yo yo approach just isn't going to work. I mean, I think all of this. All of these economic shutdowns are based on this hope for a vaccine, and that's probably a good hope. And hopefully it comes about But if we thought there truly was going to be a vaccine for three years or five years, or as doctor found, she put it. You know that this may end up being something that's with us for a long time, it may almost become kind of a chronic situation. We couldn't shut down. I mean, the effects downstream are far worse than the actual disease itself. In terms of overall numbers to Ah, population, So I understand the frustration. You hear about it every day. Yeah. If you want your nails done there your hair done there. Go to the back door, Knock three times, give the password and walk in. And that's the way it ISS. That is the way it is with a lot of jobs. People are just doing it. You know, on the side undercover. I mean, you know, 11 wax things moving to the parking lot. Hey, you want to face TJ Max, You want to face whole foods? Where would you like to be exposed? So it's It's it's not going, so it's not a long term solution. And that is Kelly Brothers from Genevieve's. Burford and brothers will have more Kelly coming up and also to come. The New York attorney general find the lawsuit against the National Rifle Association will have more on Newsnight 3.1 Kpk live everywhere on the I Heart radio. News radio from.
Inside the NBA bubble: Best of the season restart
"A is back. The 1st 2 games were held last night in what they call the bubble more from ABC News correspondent TJ Home, Every player Every coach. Even the referee's taking a knee during the national anthem. Ah, concerted show of unity as the MBA returned with two games and with a message and a spotlight not just on its superstars, but social justice and racial equality. Still, basketball end of the day. Social justice has the first game of the night between the New Orleans pelicans in the Utah Jazz. Tipped off with players showcasing messages instead of their names on the back of their jerseys. Peace freedom, say her name. This first official game inside. The so called NBA bubble comes 4.5 months after the league suspended the season after a player tested positive for the Corona virus that player Utah Jazz Center Rudy Gobert. He just happened to score the first points of the restart. And knock down the game winning free throws two games Great one by two. By the end of the day. Brad Donatello killer is still free We understand was going on in society right now on, we're using this NBA platform as the players and the coaches as organization to continue to stand strong in the N B, a bubble Seeing success so far at the Disney Wide World of Sports Living on campus, social distancing and consistent testing has led to zero reported cases of covert 19 and the latest round of testing. Now, If the season goes and they're able to go through in the end before finals would go until October 13th. That's normally the time the new season would start on the
Fresh update on "tj" discussed on Eddie and Rocky
"WLW Sports. The Reds updated to be Luis Castillo up against Carlos Carrasco. Tonight is the Reds and Indians Wind Up playing the Ohio Cup series in Cleveland. 700 WLW Coverage begins at 5 10 with Yarnell carriers inside pitch. Chelsea Chevrolet Extracting show after the game. The Reds have often pitcher TJ Antone and infielder outfielder Josh van Meter to the team's alternate site as MLB teams reduce their rosters to 32 28 players Today. College Football. Clemson number one in the USA Today coach's preseason poll Ohio status second, followed by Alabama, Georgia and Ellis you in the top five. Notre Dame is 10th Cincinnati Bear Catch 22nd Bill Dennison 700 WLW Sports. I'm Jack Crumley. Our Next updated fivethirty Breaking News any time news Radio 700 wlw Now.
The NBA Is Officially Back
"Season is back. The 1st 2 games were held last night in what's called the Bubble More from ABC is TJ Holmes, Every player every coach. Even the referee's taking a knee during the national anthem, concerted show of unity as the MBA returned with two games and with a message and a spotlight. Not just on its superstars, but social justice and racial equality. Basketball End of the day. So some justice has the first game of the night between the New Orleans pelicans in the Utah Jazz tipped off with players showcasing messages instead of their names on the back of their jerseys, Peace freedom, say her name. This first official game inside. The so called NBA bubble comes four months after the league suspended the season after a player tested positive for the Corona virus that player Utah Jazz Center Rudy Gobert. He just happened to score the first points of the restart. And knock down the game winning free throws two games Great one by two by the other day. Bragg, Donatello Killer is still free We understand was going on in society right now on, we're using this NBA platform of the players and the coaches as organizations to continue to stand strong on that MBA bubble Seeing success so far at the Disney Wide World of Sports Living on campus, social distancing and consistent testing has led to zero reported cases of covert 19 and the latest round of testing. Now, if the season goes and they're able to go through the embassy finals would go until October 13th. That's normally the time the new season would start on the
Fresh update on "tj" discussed on Bill Cunningham
"E. A. T. Love here. Right segment one, forty one very is he's in Cleveland Right now. There is not meeting the governor at Nineteen. Positive William want to say very happy birthday to the first lady of Middletown. Millie Miller Ninety three today knowing Miller my mother-in-law Millie Miller reds up against the Indians Tonight Willie the Ohio Cup days in. CLEVELAND. Not going well, Louis Castio up against Carlos Carrasco and airtime five, ten with Lance and the Arnold carries inside Pitch Kelsey Chevrolet, extra show after the game who said, they're going to win the world series this year segment. I think you did on opening day. He's continue the reds have option, TJ Antonio Josh van meter to the teams alternate site I. Keep that they're they're going to Mason. What about Lantana Not GonNa Pitch for a week. So they had a reduced the roster from thirty to twenty eight today. So they're all right now major league baseball's getting tough. Getting serious with the protocol measures with the outbreaks of the Marlins and the cardinals. Let's see. Everyone at sea Revised of No strategy off here. No Strip clubs players and staff where face. Face coverings at all times including dugout and clubhouse with the exception of players on the field staff and player strictly prohibited from meeting in hotel rooms. While on the road, they may not gather at public areas of the hotel. Because they're being watched now. By MLB SECURITY ON ROAD TRIPS, clubs have to provide a minimum of four buses. Eating and drinking permitted onto planes. Players have staffer prohibited from talking to one another at the same time. So it again on the plane on the plane, you can eat and drink, but you can't talk to each other. and. You have to notify a compliance officer if they intend to leave the hotel on the road. You can't go to bars, lounges, malls, or places where large gap and large groups gather strip clubs guys. Well, that's one of. These guys are going to go Kuku. They're going to isolate in their rooms. They made not leave their hotel rooms under any circumstances. So they go from the ballpark our foot down to they take showers and take showers back in the hotel, right? I don't well, you can't lather up together I that I don't know I'm not in there..
Lions place five players on COVID-19 list
"Coming to the Lions, five Lions players were placed on the reserve Koven 19 list this afternoon Kenny Golladay, TJ Haakenson Armani or Warrior, Jalen Elliott and Aaron Sebas. This designation does not mean that all players have tested positive, though the Reserve covert 19 list was created for players who have either tested positive. Or have come in close contact with an infected person.
Fresh update on "tj" discussed on The Lowe Post
"Well. I always think you know in like I come up to me since I've been here and say. You know nate McMillan's in trouble and I spend the hottest room season. It's been a rumor. All season seasonal I chuckled. I'm like. Yeah. Well, good luck to you. Because you want to change. No one ever gives the I thought process. You might get worse. You might get significantly worse by changing everybody thinks when you change, you get better. That's not true. You see time again in all sports where coaches are darn good and our Maxxie. To my point I. Think they're maxing out, I don't I don't know what they're shot chart tells you about my eyes told me when I look at the on on, they are maxing out the number, Wednesday can get and. You don't this mid range thing. Not. Every mid range jump shot is created equal and I, think sometimes. We overlook the fact that if you WANNA have a team that wins it all you will have a guy who can make a mid range jump shot the warriors did. The Raptors did and the clippers will if they win it so. I have not Yeah. But see I think when people say that and you hear that a lot and I think someone on one of the Games last night, bitch, the warriors in mid range shots to be the words, any historical analysis, successful the war if you have, Kevin Durant. And Klay Thompson Steph Curry. You're just not comparable and Kawhi. Leonard is star like the Pacers don't have that guy I. I. Don't think they need to overhaul what they do, but I do think it could use. That they could they could bring in a really good offensive mind and say tweak this. Can We tweak that? It's still sort of had the same broader ideology may be, but I don't know it's I know it will be interesting what you've heard in Orlando's been going around all season will. You know again i. I think Indiana has made some incredible trades, the Paul George, Trae the TJ Warren Trade. Their signings, I might you know in Brandon got big money but You have to overpay. You have to overpay when you're a small market team and you know even like TJ McConnell I think brings a spirit in an energy and a toughness to Yep. I like everything they've done. I would caution them that. Doesn't always get better with change. It doesn't, and if someone who tells me that that roster you said, you've got to go from cute to to some other level that roster. To me. You would have to make a major change to be in a win now situation and one that you're going to leapfrog Boston Toronto or Milwaukee, and you're somehow going to be better than those teams. So you might WanNa be better, but your roster. Is, not. Better than those. It's not better than Miami. And let me be clear. It's just a rumor I. Don't know if it's true. Would you talk to people around the Pacers? They say it's not true read. You hear that from Blah Blah, but it's been out there and I think mates are I think mates are on the benefit of the doubt for sure you gotta go. Our producer to go Japan gone. It's always great to see. Stay safe abide by the honor. Code, and ENJOY ORLANDO 'cause, YOU'RE GONNA. Be there a while..
July Mailbag with Jason Moser
"The. Multiple answers I'm out Southwick and I'm joined, is always by broke camp. Personal Finance expert here at the Motley Fool. Hey, BRO, well! Hello Alison. It's the July mailbag where we answer your questions and this month it's with the help of multiple analyst Jason Moser. Should you buy a house now? What is modern portfolio theory and also here Jason's thoughts on a lot of stocks all that and more on this week's episode of Molly fully answers. Jason thanks coming back. you know I mean i. told you you invite me. I'M GONNA. Be here every single time. Thanks for having me back. I mean we appreciate it because we know you're a busy man, and so we do appreciate that you carve out time for us in our little show, don't. Always always make time for those important people in my life rule number one make time for allison and Bro I love. It sounds like a good one to me. Everybody wins. All right well, I guess we should just get into it, so the first question comes from Darren I've subscribed to the full for over a year and I'm really pleased with the service. I would like to know your thoughts about my holdings in Shop Affi- I've bought several times over the last three years, and it's now over thirty five percent of my portfolio and I. Don't know if I should continue holding or trimmed down. What would you advise a good problem to have I was gonna say that exact same thing? That's a good problem have? In a very glad, you have subscribed to our services in your really pleased. That's that's what we aim to to do. We aim to please help you make money and so yeah. This is one of those situations that we will find ourselves in from time to time as investors. A nice problem to have but something you do need to address at some point because it is going to be a little bit different for everybody. In so coming from the perspective of I, also own shop, a Fi stock in it's it's a wonderful investment. It certainly is taking up a bigger. Part of my portfolio a not at thirty five percent where you are. I think for me. It really does boil down to. That sleeping at night test in other words, you need to be able to go to sleep at night without worrying about this kind of stuff, and if you feel like shop, a Fi represents too much. Of your portfolio if you feel like you're overly allocated their, then, you may need to consider pulling it back a little, but now I mean it's. It's I think it's always important. Note you know. It's a big difference between building up a position buying a position to make this size to make this type of allocation in your portfolio. It's another thing entirely to have position grow into beat into becoming that size i. mean that that is that is in a little bit of a different dynamic there, so people all the different ways, some sometimes folks will, they will just sort of looking at it from the house money, concept or you. You just sell enough shares to recoup your initial investment, and then you let the rest of it go. Some people are perfectly fine with thirty five percent. Some people are not. They want a pair back so i. do think you need to kind of figure out what helps you sleep at night I do think that shop by a great business. I think the biggest risk in only shop, if I right now is valuation, just because it's dominating, it's space, but it's not making any money yet, and it's probably going to be a little while until they do so that valuation risk is there, but ultimately yeah I think determine. Where you feel most comfortable with it, and if you feel like you need to put a little bit of that money off the table, and he thirty five percents a lot, certainly very understandable. If they've said something you need to do if you do decide to pair it back a little bit. You've made multiple purchases, so you can identify the shares to sell to manage the tax consequence if this isn't a brokerage account and not an IRA. All right next question comes from Steven. If you are forced into unemployment, you are paying federal income taxes on unemployment payments are not contributing to social security nor to Medicare. How does this affect your future calculation of social security benefits and can one contribute to the social security fund during unemployment to mitigate any adverse effects on benefits, it is a little bit adding insult to injury, but you do owe federal income taxes on your unemployment benefits, and if your state charges has a state income tax, you probably have to pay state tax on that, although there are a handful of states that exempt unemployment benefits, so that's good news. And by the way you, you could have taxes withheld from your unemployment benefits you file. This form called form w four V. if you want, they withhold ten percent, or you can do quarterly estimated payments if you wanNA avoid that big tax bill at the end of the year, but if you're strapped for cash is probably just better to get the money now worried about your taxes later Eh. Stephen notes out. You do not pay payroll taxes. Those are the things that go into social security and Medicare so. So. It could result in a lower social security benefit, however, keep in mind that social security is based on your thirty five highest earning years, so if you enter the workforce at say twenty two and you work until you're mid to late sixties. That's more than forty years where the working so hopefully. If you miss out, if this year is not so good somewhere among those other forty, five or so years, you've had thirty five really good year so that this year won't be that big of a deal. So it probably will be okay. And then to address the last question. Unfortunately, no, you cannot make voluntary contributions to social security. There is at least one academic working paper out there. That suggested that people could buy into social security by like extra credits as opposed to contributing to your 401k, but so far that has not been passed by Congress I had an ex. Question comes from Sam. I heard to stocks discussed on another full podcast. When I read articles about them, it mentions they are thinly traded. I have two questions one I'm sure my position would still be quite small so I think I'd still be able to get in and out, but are there other things I should think about when it's a thinly traded stock and question number two. Is there a certain amount of? Daily volume you like to look for when considering a stock foreign investment. What volume do you want to see to not be? Quote thinly traded stock. Yes very good question in thinly traded stock just refers to the either the amount of shares or the dollar volume of shares that would trade on any given. Market Day and so. The. Thinly traded stock. The the problem is that you may not necessarily able to buy and or sell at the prices. You necessarily think you might be able to in other words when you look at a stock's price and you're looking through the. What what's going on throughout the day on the market, you'll see that did ask spread, which is essentially the bid. Ask spread is it's what someone's willing to pay for the stock versus what someone is asking to be paid for the stock? Because you know you have a buyer and a seller on on in every transaction they're. Normally most cases, these business business bread is very tiny, the couple of pennies maybe for most stocks because they're. They're heavily traded right there. There are plenty of dollar volume. But there are a lot of smaller companies small caps in particular in in you know a micro cap, specifically that don't necessarily meet these kinds of thresholds, and so you definitely have to be aware of that now I'll go back in time just a little bit, too. When we were running the service here at the fool called million dollar portfolios Roman Romani portfolio that we help manage members, and it was never really a problem, but we did have a condition in there. We were always looking for at least ten million dollars in average. Trading volume total daily volume now understand I'm not saying the number of shares saying the amount of money so basically shares times price, but we're always looking for at least ten million dollars. That wasn't set in stone it. It was an idea for us. It wasn't ever really a problem because we had a very diversified portfolio with a number of different types of companies, but when you're looking for smaller companies, you would've just keep that in mind that did ask. Spread is is something that just because it says the stock is twenty dollars. That doesn't necessarily mean you'll pay twenty dollars if there is a a big spread there between the bid, and the ask in so I think whenever you're considering stocks that have any lighter trading volume or thinly traded stock. Just be sure to use limit orders. Limit Orders of let us stipulate the price that you are willing to pay for or that you're willing to. To accept a if you're selling a limit, order is just a really good way to protect yourself from any unwanted surprise thinly traded stocks. You might not always necessarily get them when you want them, so you might have to lead that limited are in there for a little while, but but a limit order is a great way to protect you from any unwanted surprises. Next question comes from Randall. I'm in my late thirties now, but earlier in my life. I was very very bad with my money. Collection Calls Welfare and bankruptcy or not strangers to me. I've been at the bottom then I met the love of my life, and she convinced me to turn things around ten, and a half years later and I have done a complete one eighty, I took control of our finances rebuilt my credit and started investing and listening to all you find folks all. I opened it investing account with the goal of saving and building enough a down payment on a home. I'm happy to say we've now reached that goal. I recently sold at a profit because I didn't want that. Money tied up in the market. If we are close to needing it for a house, but now that we're here, I'm not sure what to do. We currently rent a basement apartment and our neighbors general living situation are less than ideal to put it mildly. So, we're champing at the bit to jump into the housing market that being said the experts have been calling for a drop in the housing market for a while, and that was before the pandemic hit now I'm worried that if we buy right away a year or two or three from now, interest rates will spike, and we could be put in a difficult situation. I live near Toronto. Canada or the housing market is already highly inflated in relation to the rest of the country should I be worried? While Randall first of all congrats on turning your financial life around love hearing success stories like that so good job on that. So I'll start with my standard answer with the rent versus buy decision, and that is just pull up spreadsheet and compare the all in cost of renting, including what you could earn on the money that use for down payment versus the all in cost of buying including the opportunity cost of putting down payment as opposed to having invested as well as insurance and taxes and maintenance, and all that stuff and project, where you might be in five to ten years based on various scenarios on what happens to stocks, if you. Rent an invest the down payment versus what happens to? What you'd look like depending on where home prices go. Generally speaking. If mortgage rates go up, that could way down on real estate prices we did see mortgage rates. Go Up for a bit a few years ago, but the housing market did find, but you could certainly envision a scenario where rates went much much higher, making houses, much less affordable and prices would have to adjust. But I don't expect that to happen anytime soon. I think we're. GonNa have low rates for awhile, but beyond that I don't know I've given up trying to predict where interest rates are going or even paying attention to people who try to predict where interest rates are going, so who knows? That said since you live in Canada. I thought I'd check. In where rates are these days and I and I got a brief reminder that things are actually different in Canada so I did a little bit of research. And then realize I had reach out to someone who knows, I reached out to Canadian Motley fool analysts Jim Gillies, and he had some thoughts so first of all just for you non-canadians out there. It is really different so in America. We get this thirty year mortgage than we have the same payment for thirty years. It's fixed. They don't have that in Canada. What's the most common is a twenty five year? But only the first few years or fixed. And then adjusts so in that context you can understand why Randall is worried about interest rates going up because over the next depending on which alone he gets the most popular is a five year fixed, and then you basically have to go get a new loan probably. So that put that in context, a little more, but also Toronto, really is crazy expensive. Vs from the end of last year that put it as the most overvalued real estate market in the world behind Munich. As Jim pointed out in our call here in the US we had our housing peak in two, thousand, six, two, thousand seven, and then we had what he called a reset, which is basically prices came down significantly candidate and have that slight downturn at home prices, but then they just kept on going up, so it really is different there, so when Jim explain all this to me, the difference in mortgages and the difference in home prices. Frankly he was inclined to say to this guy. You Might WanNa rent for while more and see what happens, but he also had the good advice of okay. What if you buy in prices? Come Down Fifteen percent twenty percent. What if they come down to a point where he upside down? You owe more than the home is worth. Are you okay with that? If. You're okay with that. Maybe it's okay to do that. But it certainly sounds like dicey situation than if someone were telling me like I'm thinking of do this in Dubuque Iowa or something like that. couple of other differences. In case you're curious about Canada in the US. Your mortgage is portable in Canada south. You Buy A. Get the five year mortgage, but then move get to take the mortgage with you for the next house and interest is not tax deductible. US Look at you, Robert, broke? Camp Can Canadian real estate experts there you go. Next! Question comes from Chris. I was on twitter the other day and saw that one of your contributors Brian Feroldi tweeted that he doesn't believe in a long list of technical trading terms and then modern portfolio theory. Can you help me understand what not believing an MP? T with mean this? He believed that diversification doesn't reduce risk. Also every financial adviser I've ever talked to his preached empty, so I would love to hear the counterargument. Jason you're not Brian for all the. Question I am not Brian for all the do get the talk of Brian Pretty good bit though. I I must admit I. Don't know what he said here in regard to modern portfolio theory and all of these technical trading arms. But I think I can take a guess. Generally speaking I agree with them, and I think you could sit there and look up the portfolio theory in you know read about it as much as you want. Just go to google modern portfolio theory, and you can dig right in there, but in a nutshell ultimately, what modern portfolio theory is the intention behind it? It's meant to reduce risk while maximizing returns. It assumes that investors don't like risk. They prefer less risky portfolios to riskier ones in order to achieve a certain level of return so right there. I kind of kind of lost me right there because I don't believe that every ever investors risk averse I think some investors have a very. Healthy, appetite for risk, and frankly I would say I got a pretty high tolerance for risk when it comes to investing, made it just because of what I do for a living but I. You know to me I like having that trade off least unhappy. Happy to take some risks there. If I feel like that upside, it's going to be potentially worth. So with modern portfolio theory, it introduces a lot of fancy math in the form of variances and correlations in order to come up with this. Quantifiable, investing strategy that ultimately helps reduce risk while allowing the investor to achieve. Certain returns in. Maybe it works for some not I'm not dismissing it personally I. Don't use it, I don't personally subscribe to it I. Don't need it. I think honestly for us. In a really believe it's extends to to most people in our full universe is that is individual investors I think a more meaningful way to reduce risk. is to just extend your timeline like invest longer. So like Tom Gardner said a number of years back when we were. Working on Motley, fool one basically take your take the time line that you think you want to own any individual stocks you buy shares of starbucks and I plan on owning it for you know five years. Okay, we'll just double it. Cloning it for ten in all of a sudden right there. You've given yourself more time. Time is one of the big advantages we have is individual investors. Money managers don't have that advantage, Wall Street done generally handed abandoned, either, but if you can be patient and just invest in good businesses. That risk really starts to come down over time. There are plenty of studies out there. That show that risk comes down the longer you hold onto those stocks, which into me, just renders modern portfolio, theory, more or less not useful mean on things, not useful for everybody, but it's not useful for me and based on Chris. Question It sounds like a agree with what Brian was saying there. We think I'll add to. That is I agree that risk is really not that much of a consideration if you are saving for retirement. But once you are in retirement man, and just say like you know what the market's not I'm going to extend my time highs in ten years. Because you need to spend money in that situation, I think diversification is important. It's important to have assets that don't always move the same direction at the same time. For some fools. That's just as simple as keeping any money need the next five years in cash, so you're right out any ups and downs, and that can be fine. But I. do think it makes sense to have. A mix of investment so that right now, technology stocks are doing very well, and we hope that continues to do well, but we remember was that happened in two thousand from two thousand to two, and there were down for quite a while anyone who retired in one, thousand, nine, hundred nine, or so it was very happy to have some small caps value maybe a. A little international, some reits to ride out the storm Yeah I think we talk about that often like recognizing where you are as an investor in life, are you in the grow your wealth stage, or are you in the protector stage, because they are two very different strategies, and we're all hopefully going to be in both of them at one point or another right? I personally and still on the grow your wealth stage I. Think we all probably are, but you will at some point get to where you need to focus on protecting the wealth that you've made so that you can then have that money to spend, and that definitely will dictate your investment strategy things that you're invested in and whatnot. Generally speaking I do like the idea for people who are just risk averse and have this notion that investing is just too risky. I mean the fact of the matter is not investing as far away greater risk like not investing. You will never grow your money if you don't the best, so if if if risk is a problem, I think generally speaking. Along the lines of diversification idea that that bros. talking about him, he just invest in invest in SNP index fund is something that just follows the progress and p. you know you're going to be participating in and if you look at that over the over the stretch of time, their five ten twenty thirty years, I mean that trend does go one way. It, but clearly the older you get, the more you need to start focusing on protecting your wealth, and that will change the way you view things. Right next question comes from Alex from Alexandria if I buy Muny bonds from another state in my IRA. Is it still taxable and Alexander with who we have a bond on and we do have a bunch. I know Alex up super excited about having a bunch on in Alexandria to I can't believe I haven't been there. It's like two miles from my house, but we still haven't been oh i. know because there's a global pandemic going on and we. saw. Alyx if we buy me bonds from another state in my IRA is still taxable. Bro, help him out or her or so Muny Barnes. People Invest Immunity bonds because they're free of federal taxes and in many cases. If you're buying bonds issued by the place you live, they might be free of state and local taxes, so that can be doubly triply tax free. That's why people buy 'em. There are some times, however that if you own immune, abound outside of an IRA. Pay Taxes and this surprises some people. There's something called the minimum tax. If you buy immunity bond at a discount, and then it matures at par. If you buy a distress, Muny bond for like you put an eight thousand dollars, and you sell it later for ten thousand dollars as a capital gain. You'll be taxed on that. So, there are some times when you would pay taxes on media. Now, Alex is asking what if it's an IRA? Do I have to worry about paying tax interest. If it comes from another state and the answer is no, you won't have to worry about that. The only thing I would say is. Generally speaking immune bond already has built in tax advantages, so you wouldn't keep it in an IRA, unless there's the example of the stuff I was saying previously like for. It's one of those exceptions when him UNIBOND would result in taxes than you might WanNa keep it an IRA, but generally speaking. If you're going to buy Muny Bond, keep it out of an IRA. Next question comes from Boone. I just did my first. Roth conversion and looked at that old account for the first time in. There was the expected dividend producing fund I remembered, but there was a stock chesapeake energy that I had completely forgotten about since I purchased the stock in two thousand, six fifteen. It's down way down like eight point five percent off the purchase price. What should I do with it now? It's in a tax deferred accounts so I. Don't think the loss is realized until I. Start to pull money out of the account and that might not. Not Be for fifteen years current value of all my shares will be about one percent of the value of the account after the conversion. Do I sell in the very little value? I had left and depend on E. Trade to keep up with lost for me or should I hold on based on the slim chance. The stock will be worth more in the next ten years. Oil Stocks do act unusually on occasion, only oil stocks. Stock everything else makes that usually. Chesapeake has been really. Interesting Story to follow and frankly. I don't I. Don't know that I would look at it today. As a business that I'd WANNA own so typically if I. You know I think it was yet idea. Didn't sound like a position are actively building united investment didn't work out. I mean that that happens to all of us. We don't get them all right. We have a philosophy here at the full. A lot of do we like to? Water flowers and pull the weeds, and that's just a nice way of saying. Add to our winners in to get rid of losers in. This I think is more than likely slated to continue being a loser I mean. Chesapeake has lost a lot of value. In it does sound like based on when you purchased this, these is absolutely busted I mean. There there are all sorts of reasons to sell one of them is if you thesis busted and the reason why you invest in the company is is no longer the case, and I would he probably is the case with Chesapeake so to me like you know, you could sit there and let it go, but but what's the goal trying to get back to even, or are you trying to get back a couple of bucks for me a lot of times? I'll I'll take a little opportunity here and there to just go ahead and pull those weeds sell it. Be Done with it. In even though it's just unique out a little bit value there, you can still take that money and do something more productive with it. So. Yeah T to me. I can't tell you to buy or sell obviously, but I can certainly understand. Selling in this case, but I you know. As as oil and natural gas energy can can turn around. This is going to be one that has a lot of headwinds in in. You might be waiting a very long time to to get any of this money back. I point out here that I it seems that maybe boone has a slight misunderstanding of how taxes in aries work because he talked about realizing the loss when he takes the money out and trade keeping track of the loss for him, it sounds to me that he thinks that he can write the loss off whence he takes the money out. That may not be the case, but just to be clear. One of the great benefits of an IRA is you don't pay taxes on the gains, interest and dividends from year to year. But. One of the drawbacks is. You can't take a capital loss on that as well so there's really no no way to benefit on your tax return from this loss. Next question comes from Benjamin. You recommend seeing a fee. Only financial adviser for check in every so often I know there is the Garrett planning network and others to help find an advisor. But what questions do you ask? And what answers do you listen for when trying to find one that is worth his or her one hundred fifty to two hundred fifty per hour. So I would say start first with asking yourself some questions. What are you looking for? You could go for the whole launch. Lada where someone is managing your money analyzing retirement plan helping new save and a five twenty nine. Maybe even doing your taxes with some financial planners do help with the state planning, or are you looking for something more targeted? You just want advice about am I saving enough for retirement, or are you close to retirement? You're like I just WanNa make sure that I'm doing right when terms like choosing my Medicare plan and claiming social security at the right time, so first of all just be very clear of what you're looking for. Then if it involves investments in any way, you WanNa, make sure that you find someone who is at least in the general same area philosophically and I say this, because many financial planners are hardcore index. And if you come to them as a motley fool, listener member with a lot of individual stocks. They may say okay. I'll give you some general asset allocation guidance, or they'll say I don't care if you like to pick. Stocks are not my advises, sell the stocks and go to index funds, so you want to make sure that if you're gonNA, ask for any sort of investment. Advice that you wanna find someone who's someone somewhat at least aligned for what you're looking for. Once, you've got that then. Just asked some of the typical stuff. You might expect so credentials certified financial planner. Are they a CPA either their personal financial specialist. How long they've been in the business. There are lots of people who. have not been in the business very long. Even though they're not young people, a lot of people choose financial planning as a second career, which I think is great, but just because someone may be look like they're in their forties or fifties. Sixties doesn't mean they've been in the business that long, and you WANNA. See if they've worked with someone like you right so if you have. Maybe. You have a large amount of wealth large income huge portfolio. You WanNa make sure that they have experienced with dealing with those issues, but on the flip side to if if you have, are you know middle income, decent size portfolio, but nothing too complicated. You don't WanNa. Go to someone who's used to dealing with someone who's wealthier partially because those people charge a lot more. You want to find someone who's kind of a little more lined up with what you're doing. Then make appointments with three folks. All of them will do get do free. Get acquainted means, and you're just looking for someone who you feel comfortable with. Since, you mentioned Garrett Big Fan of the Gary Planning Network and other is is not for the National Association of Personal Financial Advisers. But Garrett on their website has a how to choose an adviser section. Just Google attitude visor Garrett Planet Network has a great chapter from a dummies book that they wrote about how to choose adviser, and they have a good questionnaire that you can print out in US asking lots of good questions of financial planner. It's tough. Choosing a financial planner like my mom just went through that Bro! Is You know and she didn't really have a lot of options in Boise Idaho. Maybe two and one of them, she I never called her back, and never got back her, and the other one was just so busy just so busy, and just she just never. It's it can be rough. Finding a financial planner can be I. Think what we'll see is one of the consequences of this. Of the coronavirus pandemic. Just, like we are all used to working from home, many financial advisors and financial planners an now working from home. So in what they're doing is they're becoming licensed in more states. So, if you are more comfortable, working with someone over zoom remotely I think you don't have to stick with someone in your area. You can go beyond your locations, but you know some people don't feel comfortable that if if they're going to have someone managing their life savings, they want to be able to meet them in person. That's just a personal choice. All right next question comes from twitter. Is that right from sully what I hear? Okay? I just listened to the episode mentioning Your Weakness Two. Shopping carts and Tj, Maxx that me or you Jason. Accused me. Thoughts on the stock. If I had a war on Amazon, basket would be Costco TJ maxx Home Depot tractor supply. What would be your basket against online retail? That's funny. Well okay, listen I wouldn't have basket against online retail, because online retails where it's at. The whole idea. The whole idea behind the basket approaches to find a long term trend that you feel like the world is headed toward and so the war on cash basket, for example that was always one about people using cash war, traffic payments now with that said I get the spirit of the question some going to answer it because I do like some of these ideas. And I I would definitely include Costco in their in Home Depot's well. Home Depot gets a lot of my money. Doesn't, but they have a very loyal fan base of customers that just are happy to renew year in year out. So I love those membership models there, so costco and a Home Depot for sure you know I'm going to give a little shout at my wife Robin I. Know that she would approve of my adding target to the mixer. She hasn't been raving about targets APP and ordering on the APP the able to go to the store. Just pick it up right there I've talked with Ron Gross on more than one occasion about target and how this really has. Become a twenty first century resale right they're doing. They're doing everything online and in physical stores. What they call Alma Channel and then my fourth and I'm GONNA. Take this. You probably aren't expecting this when Alison. I'm GonNa Shock and all you. I'm ready. I'm ready Alta. We're going. Make up my I know my daughter's love. It ugly ugly Mug like this. What do I know about makeup? Tell you what. Get! A House with two daughters and a wife. That's what I know about make. There's a lot of it in an Ulta is a really really good business. They actually have a very nice diversified revenue stream. They've got the salon a`dynamic of the business which encourages people to go there they do have an online business. They have an augmented reality function there at where you can actually like. Try things on makeup to see how it looks. Mary Dillon just a phenomenal other adults of that's my fourth, their Ulta but they I appreciate the spirit of the question I like the idea I'm not saying this is the basket. I'm not tracking this basket in a not a not backing this basket, but in the spirit of the question if I had to develop. A basket, such as this one I think it'd go with those four. Yeah, I mean I guess you just have to think about what retail out there is something that you would still physically go to. Because the actual retail experience is being in the space is the experience and what you're there for? And I know I mean before Corona virus we I would go to target and just just couldn't believe how much money I had spent from walking through a few of the aisles. TJ Max is just a phenomenal business I mean what they've done through the years. Is really capitalized on the nature of the business, the advantage they have in that treasure hunt kind of nature like you go to TJ Max, maybe not necessarily looking for something, and then you end up finding a lot of things, and it can be a little bit lumping at times, but but generally speaking like management's a very good job of running that business, and they know how to exploit the advantage of experience. I think they're online game. Though I think they could probably get something going with online, and they just have not have not yet and so I. Haven't since Corona Virus for example. I haven't spent a single dollar there, but I continue to still shop at. Home Depot I. Think Yeah! We still shopping at home depot because we're doing. You know you gotta buy lumber somewhere. And I know my grandparents out in my my inlaws out in rural Virginia. They love tractor supply store, but that's not. That's not in where we live, but. Still New deck at the house there allison. I mean you, can you see? A big exposed beam behind me and some drywall work that needs to happen. Have lots of drywall work that needs to happen now though. Yeah Anyway get to that. All right next question comes from Matthew. I got married to my amazing wife nine days ago in a small Kobe nineteen wedding in our front yard after we postponed it from its original date in April all. It was definitely different, but still very special. My question is in relation to this wonderful event. My salary has been at a level that has allowed me to fund a roth. Ira I love the optionality of it, but after marrying my bad ass, wife are combined. Salaries are now over the limit that would allow me to fund the Roth. IRA does this affect occur immediately? Do I need to now open up a traditional. IRA and begin funding it or do I have until the end of the year. Matthew wants a Roth Bachelor party one last. Well Matthew I have bad news. When it comes to most things in taxes, your status and your age and things like that depends on where you are on the last day of the year, said if you're married on the last day of the year, you were considered married for the whole year. So that means if you contributed started contributing to a Roth IRA for twenty twenty. You need to call up your brokerage. Firm and re characterize that as a traditional. Now don't have any other traditional IRA, as it's very easy to do the back door, Ross which we've talked about before you can just google it or even when you call the brokerage, just say I want to do the backdoor. Roth and they'll tell you what to do. If, you have other traditional IRA as you can still do. It just becomes more complicated and you'll probably pay more taxes. So you, but you may not be totally out of luck and I should say that's only if you have a traditional IRA doesn't matter if your wife has traditional areas. One exception by the way of of what I just said. In terms of tax status and last day of the year is distributions from retirement accounts before it's age fifty nine and a half, you actually have to be age fifty nine and a half to avoid that ten percent early distribution penalty, unless some of the many exceptions that are out there exist. Right next question comes from Warren Warren Buffett. Maybe I don't know that's why I was thinking. He's asking about coq, so maybe maybe. Once James Opinion on coke. By? Or hold? Wants to now. I'd give buffet night give. Kiesel Warren of the same advice and I would say. For some I'm not buying it. Not Buying it I'm not holding it if I own it. I guess that means sell it. Even Atlanta Georgia person like you i. feel like it's almost sacrilege. I am pretty close to probably not being ever even invited back. But the facts are the facts. Okay, I mean you do have to look at the stock itself has been ain't bad stockton for the last five years. I mean I do understand why when you look at it what they do, I mean they have. Four hundred master brands, and less than fifty percent of them are the big global brands that are actually responsible for almost all of their revenue when I say almost only ninety eight percent, so it's a business. It's very reliant on on. You know a small portfolio of really successful grants. The problem is now. We've always talked about cocoa beans such a great distribution story and that's true. They've got a distribution network. It's just phenomenal, but the problem is now. They're what they're distributing is is being seen as not so good for you in so you're seeing them. Have it into to essentially pivot away from what you know brought them all of the success for all these years. Years in soda and that that's not going to change I. Mean you're always GonNa have people to drink soda? People are not to drinking as much soda going forward in the numbers of just kind of the kind of shown that through that through the quarters in the years of Coca, Cola and Pepsi Pepsi. Has the salty snacks division, which I've always been very. Impressed by I, mean I love a good Cheeto, and so I mean anytime you can throw a bag of those cheetos in my Patriot Amok GonNa, turn it their coq. Interrupting, but I think this is also very important point. You tried the Jalapeno White Cheddar crunchy cheetos. The White Shit or so. I've tried to Jalapeno ones but I've not seen the white Cheddar White Cheddar Jalapeno crunchy cheetos. Don't get the puffy. The poofy ones are not as good, but the crunchy white Cheddar Jalapeno Cheetahs. them by them. They're amazing. I have to back. Pain you. I'll get those next time. I promise I, mean Eh. One. crunchy wants the puffy ones, so that people won't you're not? You're not seeing poopie. Who using poofy Joe Copy? We'll be Coca doesn't have that dynamic of their business. They don't have that dynamic to their business, and they've suffered from that Pepsi's Pepsi's outperform coca-cola over the last several years. It's not safe. Pepsi or coke get it back. I'm sure they probably can. But what I am saying is I think there are a lot of better ideas out there, and so I wouldn't be putting new money into Coca Cola and frankly if I did own it. I probably would look at selling it and you know if you've got a beverage company, maybe own starbucks. It seems like the science coming out in support of coffee, right? It's coming and telling you that these sodas. They're gonNA. Make you fat. Coffee, it could extend your life. It could help you live longer. SMART Mexican looking this a starbucks as well is. That sounds like study from the copy roasters of America. Do! Something that Chris Hill sent me the other day. that. We sleep at night. I'm glad I've been drinking coffee as long as I have God knows what I would look like otherwise. You're a good looking man. Rick. good-looking next question comes from. A. I'm trying to save money for my kid's College. Fund while the five nine is a great option. I'm limited to investing in mutual funds, which means at best I'm going to get what the market gets assuming I do some sort of low cost index fund and I be a capital F. Fool investor have been doing much better than the market in the last three years of being a member of. Of Stock Advisor Enroll breakers, even during this pandemic mess by listening to every full podcast and following David and Tom's and yours and every one else's in the full universe. My portfolio of about one hundred stocks is up here today. Thirty percent to the market's down five percent as of day as of today weighed down by three sluggish five to nine plants that are also down five percent each. I feel like throwing away money by using the five to nine, and not being allowed to select my own great companies in which to invest. What's more, my understanding is that the five to nine does not count as an asset for the kid when applying for student aid, but the coverdale does. So I come to you with a simple question. Can I have my cake and eat it, too? What if I wanted to use the coverdell to buy individual stocks? Until the child is nearing college? At which point I then converted to a five to nine. This allows me to get better returns and avoid it being an asset for financial aid and get the favorable tax benefit. So, chose this question, because first of all Dune does a good job explaining the benefits of the coverdell over the five twenty nine, you can buy individual stocks. You can buy and sell them all day long. We recommend that, but you can. Whereas with the five twenty nine, you can only make two changes to the investments a year, and it's all mutual funds. So. That's you did a good job of explaining that. I will point out with the coverdell. It's gotta low contribution limit of only two thousand dollars a year, so for some people save more for college, but they can max out to cover it out, but then put the rest in a five twenty nine. One thing that doomed does not have quite right. Is The financial aid treatment the financial aid treatment? Coverdale's and five twenty nine is identical. They're treated as assets of the parent, not the kid that is favourable from a financial aid perspective. It's not negligible doesn't mean it doesn't have any effect on financial aid, but it's better than an asset that is owned. By the kid. He can. Transfer money from the Coverdell to the five twenty nine. If for some reason, he decides to do that, but you can't transfer it. The other way around so were convinced to try out the covered. You have money in a five twenty nine. You can't move it from the five twenty nine. To the coverdale. What other interesting thing that he pointed out is that he is doing very well with his investments, and he owns about one hundred stocks. We get this question a lot. Either on the show, or on the full live that we run every day for members of full services, and that is how many stocks should I own, and if I owned too many are not just owning index fund watering down my returns, but here's an example if someone owns a one hundred stocks is still crushing the market. Idol last question comes from Cameron thoughts on the valuation of Stone Co in light of the corona virus for a fragile country like Brazil. This could be the tipping point after so many other headwinds. But how does that affect stone? coz Business Jason I. Don't even know what Stone Co is. What is still business? Yes, don't Coz a payments company that's focused on Latin American markets in Brazil and particular in so I guess it could be. Draw you can draw a parallel to to a with square through pay pal at, but generally speaking I mean it's payments. Company focused on Latin America. Primarily Brazil. Is the big money making market kind of like Marco Libra, they're. In I, I, it's a it's. A NEAT opportunity, gained a lot of headline recently, when and it was, it was seen that Berkshire hathaway. Warren Buffett's company Berkshire hathaway taken a five percent position in the company, which is pretty considerable i. Think in the near term. You have to acknowledge the fact that. They're gonNA, be some real headwinds in in Brazil particularly because of the pandemic I mean. The flip side of that is role in same boat kind of in that regard. The entire world is dealing with it, so it's not specifically you know it's. It's not particular to one economy or one country some. To get hit harder than others I, do feel like Brazil. Be at a place where they can recover from this given You know some of the other businesses in the area. I mean that that that I think is. Who knows ultimately how? That's GONNA shake, but generally speaking. I think the move away from cash towards cashless. Transactions in and financial software that's not stopping if anything, this hastens that which which is what I think, Cameron's talking about there and for a company like stone. Co, neither are other companies in the space pags bureau in roquetas libra to but you know moving money around is a big big market opportunity, and there's nothing that says they won't be able to expand well beyond the Latin American markets, too, so I I'd say cautiously optimistic I mean I
Broadband for All?
"I have two guests joining us I I want to say welcome to agree to disagree to G. G soon TJ year distinguished fellow at Georgetown. Law and you are recognized as one of the nation's foremost advocates for open and affordable Internet, welcome to intelligence squared. Thanks, John and your opponent in the conversation. It's different from saying opponent in a debate, but the opposing view in the conversation is brought to us by Christopher Christopher welcome to intelligence squared, and to agree to disagree your professor at Penn Law, and among the leading authorities on law and technology today. Great to have you with us. Thank you for having me. So I WANNA start by putting before the two of you, a series of very short questions and all I want to hear from you is whether you agree with the statement says or whether you disagree and I'm going to start. Statement number one for millions of Americans pandemic has increased reliance on the Internet to substitute for or enhance variety of normally face to face activities such as getting an education being seen by a doctor going to the bank shopping for basic needs again. The pandemic has increased reliance on the Internet for those things. Do you agree or disagree with that Statement Agree Chris Totally agree? Second Statement, the thirty three million Americans who lack broadband service in their own homes are disadvantaged by that fact, G G I don't agree with the number, but I agree with the statement. Correct me on the member. So thirty, three million, a third of American households don't have Internet access. The FCC's numbers, which are actually less than thirty three million. They're closer to eighteen million grossly under understate the number of Americans. Who Don't have access to the broadband internet? A thirty three million is too little as well. I testified in front of Congress that it's closer to one hundred, forty, one million okay Microsoft estimates that is closer to one, hundred, sixty, two million all right so somewhere between thirty three million in one hundred sixty two million Americans lack of broadband service in their own homes. Are disadvantaged by that fact. Do you agree or disagree great? Chris without disputing the numbers at this point are those without broadband in their homes disadvantaged by that fact, absolutely the third question, the user experience on faster broadband connection is preferable to the experience on a slower connection. Kiji, agree a hundred percent. Chris wanted to know more about what you mean faster and slower the generally. Yes, it's always better to be faster. There is diminishing returns. We're GONNA talk about gigabit speeds at some point I presume, and basically there's a point where you just don't need any more speed, but within a certain range absolutely okay. The fourth question broadband service should be seen as a right underlaw gee-gee. I think it's essential a writer very very legalistic term I think every American should have Internet access whether it's a right like the right to life, liberty and the pursuit of happiness. It's hard for me to agree with that statement depending on what you mean by right. If, you're asking me if everybody should have it whether it's an essential service, I agree one hundred percent. Asking me it's. Is it a right under the bill of rights? I would disagree. Chris I think Z. said a perfectly. It's an important service, but I don't think for him. Getting rights, discourse helps okay. It's very interesting. Point is that you've agreed fundamentally basically on all four questions so far are fifth question and our final question, and that's the one that we're going to use our motivating question for the beginning of the conversation at least Congress should guarantee broadband access for all gee-gee agree. Chris I think that the question is how. I tend to generally agree, but for example states have been very active in the space I want to credit the things that they're doing this room through a lot of different actors, but does Congress have very constructive role in Congress doing more? Yes, but guarantee is too strong a word. Would you say I think so? You know there's a lot of the central services that we have and the idea of a guarantee means that if I were choose to move on top of a mountain. Very far away from everything else. I'm entitled to ask the Government to provide service, no matter what the cost at certain levels and With a number of alternatives, there's examples where we have to make trade offs, and by saying the government is obligated to provide every citizen to guarantee every citizen access to internet speeds comparable what you get cities, no matter where they choose to live. Is a choice we can make in society. It's just a very expensive one
Travel to Brittany France
"Today, the amateur traveler talks about walled towns and standing stones, beaches, and folk festivals, pirates, and you boats as we go to Brittany in France. Welcome to the amateur traveler I'm your host Chris? Christensen. Let's talk about Britney. I'd like to welcome to the show Kristen Montgomery from growing global citizens dot com who come to talk to us about the region of France known as Brittany Kristin welcome to the show. Thanks Chris and I want to say the Duchy of Brittany, but that's really not the term anymore so. It's definitely part of France officially where we talking about. So Britney is located in north western France, and as you said, it used to be a duchy, but in the fifteen hundreds it was incorporated as part of France basically taken over a against their will, so there's still a very strong regional identity. There are some people that still identify as being brought tone before their French slump. And why should someone go to Britney? Britney is a place that is not usually on lots of travelers lists. Obviously, if you're going to head to France, you think of Peres you think of southern France provence or niece, but there are a lot of really great things to see in Britannia, Britney there are beautiful beaches first of all, and it's actually sand beaches, unlike the rocky beaches that you find down south. It's a great place for a multi generational trip. So if you're traveling with family, it would be an excellent place to visit because it's a little bit less touristy, less crowded. There are more things to do that are in small towns out in the country. And it has this Celtic identity like I said the the Britain identity that really is not found in any other place in France, and so you're going to be hearing things like bagpipes for music. You're going to be seeing traditional dancing, even some of the Breton, language. and. I found that people here were really very very friendly. which is something that I hate to say, but sometimes and other parts of France especially, you think of Paris. They don't really have the reputation of being very friendly, but people here really took the time to be able to chat. And if you're someone that likes history or is into myths and legend Brittany has a lot of that, too. Excellent. What Are you going to recommend for us? So I would recommend starting in Ren, ren is in the eastern part of Brittany. And you can fly in, or you can take the train. The TJ evade from Paris. It's about an hour and forty five minutes. There are international flights into rent from other places in Europe, but I don't think there are any from the US or from north. America directly. If you're looking for a place, that would have more connections. That would be a bigger city. You can also fly into note, which is farther south and not officially right now is no longer part of Brittany in the administrative region, but it was part of that she. And there is a quite a bit to see there, too. So I won't talk about that today, but that's another option if you want more connections. And, so for the itinerary like I said you're going to start in Rin and then most of the things to see our along the coast, so you're basically going to do a clockwise circle, and you can go all the way around following the coast and then get back to ren okay. Excellent we'll let's jump in a little more detail. What are we going to Iran before we head to the coast? Okay so. Is the cultural capital of Brittany to university town, and it's really easy to get around. I will mention that you're gonNA. WanNa rent a car to be able to do this. Because there are a lot of small towns that you're going to want to be able to go in and out of. But when you're in rent itself, you don't need a car. They actually have a great metro and it's the smallest city in France to have metro. And this one is driverless also so it goes both underground and above ground, and it was really clean and safe and efficient, so that was that was something that I didn't really expect, but it was a very pleasant surprise. So, Ren is known for its half timber houses, which is funny, because that really I think we're on the other end of France over and. Also as lorraine or something like that when I see the half timber houses, yes, exactly that part of France and then Germany to places where you usually think of those, but it's very much native to the architecture here and I believe it's done in a slightly different way, but I'm not positive about that, but the half timber houses are usually the first level is stone, and then on top of that they're usually three or four other levels that have these big pieces of wood, and then they're deaf clan of plaster or mud in between them. When they're all different colors, and so when you see them all together for example, plastic undone. It's a big square where you can see this architecture and Ren, and some of these are incredibly old. They're dating from the fifteenth to Seventeenth Century. All the way back in the Middle Ages incredibly old by American standards is an exactly. Yes, thank you. Yes. It's all relative actually in Renton. They're kind of pockets of these and the reason. There aren't more is because like many other places. There was a big fire in seventeen twenty, and so many of them were destroyed, and so part of the town has this much older architecture and part of the town has more modern architecture. And another thing you're want to see. Is the Britain parliament building and like I said Brennan kind of the. Of Brittany, and so this parliament building originally had a little bit more autonomy than it does now now. It's really part of France, but they still do some court cases here it's it's basically a court of Appeals. The architecture that's there is beautiful. Especially, the grown Sean Code they have paintings and tapestries in there. It's all Gold Leaf. I believe the
Rapper Kanye West files for Oklahoma presidential ballot
"Conway is officially on the Kanye West. I'm sorry I should've his. Okay Kanye West is officially on the ballot in Oklahoma because he beat Wednesday's deadline to file the certain papers. However, he did not meet the deadline for Florida which is obviously one of the battleground states in the presidential election. So. He won't be on the ballot in Florida. But all hope is not dead. He was polling at about two percent this week. so highly unlikely that he's GonNa make much more headway, but listen Oklahoma said Let. You want to run. You go ahead and the deadline. Set the deadlines have been out there forever, so if you beat the deadline, you're welcome to Ron. Go for he's his party is represented as Beedi. Y, which is the birthday party? which he said if he wins the presidency, it's everyday is gonNA be your birthday.
Mary Kay Letourneau dies of cancer at 58
"An infamous person in the American pop culture history. Has Died. Mary Kay Laterna and I know died of cancer fifty eight. Mary Kay Letourneau is one of the biggest tabloid type stories. This country has ever seen. She was the shoes at a teacher who fell in love with a fourteen year old student. Got They got caught. And she got sent to prison for seven years. She did seven years and as soon as she got out, they got married. They stayed. She stayed in love with this guy. She was married had two kids I think. she was thirty four. Or something like that Villi. was his name is name. And As soon as she got out because she she got arrested the first time they were caught, and she was put on probation and ordered not to be anywhere close to him. She violated her probation when they were caught in a car together. And that's when she went to jail for seven years got out. Say in the whole time. It doesn't matter what you do to me. We are in love and. I. Know that people think badly of it, but we're. We're in love, and we can't help it, and we will be together and they were supposedly. In in love with each other the whole time she was imprisoned, she got out they got married started having kids. Data Cancer. And she was married at the time that she started fooling around with Villi because he went to her house. I think the first time. In a month, yeah! Fifty eight years old. But we had that was. That was the first big. Nationwide that I remember teacher student. Scandal yet, but and I. can't think of a of a pop culture tabloidish type scandal. Of recent years that even comes close to that to be able to give an example to the kids,
Has the pandemic changed how we’ll shop forever?
"Y'all. We got some stats for you so as you might be aware. Stores and malls are reopening across the US, but has the way we shop changed forever. That's a very dramatic way to say it, but it's because there. A type of one of my notes and I didn't want a valid up. So one recent survey found that nearly sixty percent of consumers six zero are moderately or very concerned about shopping in stores, and of those who do shop and brick and mortar locations more than a third say. They're doing so just once per week, so they're bundling all of their shopping until one trap and getting it done. And it is starting to show in the way that customers are purchasing items, the CEO of Abercrombie and Fitch said that customers are coming into stores to buy something specific, and then they are leaving, so there's a lot less browsing going on. And while first quarter sales fell, there were increases across the company's brands online sales that sort of buoy eat a little bit of those losses just because of the lack of traffic. That's all according to an interview that was done with Bloomberg. So malls that have reopened have added social distancing signs in some stores have closed their fitting rooms and at beauty counters. There are no makeovers right now. Here's. Here's my in question about what is to come so if you're not exactly invited to linger in groups at the mall like we did as teens, and if you can't spend time in fitting rooms to find like the perfect lock, and you can't try on products at the beauty bar. Then is browsing dead and that's not just saying in malls because we know malls have their own issues with you know continuing to draw consumer attention, and whether the mock and survive, but in terms of just being able to browse or walk the mall or window shop. Do you think that's GonNa? Come back. Eventually but not anytime soon. I went to target for the first time since February this past weekend and the only shopping I've done is like grocery shopping, and like drugstore just to get basics. And what I was at target, it was because I needed specifics specific items that research said, and I remember passing their apparel, and they have some really adorable designer collaboration apparel. That's this'll sunshiney, and it's all yellow. Yellow when Pinkston, it's just really beautiful, and very summary and I was just like I can't stop. I just can't stop. I came here for specific things because we couldn't go without them anymore. And I need to stay focused on those things so like the impulse I feel like is not here because I don't think it's going to be here until we feel really safe again. Some stores are navigating this by having appointments, so you can have a slot where you go in, and you talk to somebody. WHO's your stylist or Even best buy was doing appointments that ended up since then, but they were doing it for a number of weeks. So that's another possibility but I. don't know about you. Why number one thing is trying to avoid talking to people, so making an appointment to come shop doesn't feel great, but maybe it's going to be a hybrid answer that we're going to encounter the future. While and if you're making a payment to shop, you probably have something in mind that you're intending to buy during that trip. It's not like you're walking by old. Navy and you say let me see what's at Old Navy today, right? You'RE GONNA make an appointment because your kid needs pants because they've grown out of their old ones or something very distinct I an experience and look. You're up in DC where things are just starting to reopen. I'm in Florida. which is a fucking free for all. And I went to bed bath and beyond last weekend, because I couldn't wait anymore. I really need it. This is very selfish. I really needed new sodastream canisters and I wanted to exchange them so that I could get the half price ones. So I went to bed bath, and beyond where it's usually a very quick process, but because they've moved things around in the store to accommodate. I have to go pick my own canisters off the shelf and bring them in. Wait in line like everyone else I couldn't fast track through customer service. That's totally fine. That No usually I go to guest services and I. Say hi I'm here to exchange these and I put them on the counter and get out to new ones for me I'm done, got it. It's a great process. So. Everyone who worked at bed bath, and beyond was very nice, but normally while I would have walked around the store, looking for things to spend money on. This time I felt totally claustrophobic now because I was just thinking about who's around me, and then I had to navigate the line system, which is now a six feet apart sort of wind, e system akin to the register at marshalls or a TJ Maxx. Got It which is fine. That's fine if they did that, but like I was having a hard time managing like what am I here for? And what are all the other things I remember about space around me right now, right? So I wanted to get the heck out of there. Yeah, I was not popping into Marshall's next door, either by that time I was out of energy for
Wall Street surges after record rise in May retail sales
"Ian balanced in the form of rising rates of coronavirus hospitalizations in Texas and worth it Beijing is closing schools because of another round of the virus hasn't been able to ground stocks they blasted off at the open now they're off early highs but the Dow is still up four hundred eighty five points the nasdaq a hundred fifty for the S. and P. fifty four the rocket fuel was provided by may retail sales that increase from April a record seventeen point seven percent the drops in March and April had also been unprecedented so there's still a lot of lost ground to cover may retail sales were six percent lower than year ago levels but wall street's treating the government report is a huge win McDonald's restaurants in the U. S. also recovered a lot a lost ground in may sales fell five percent from a year ago after a nineteen percent drop at U. S. McDonald's in April the owner of TJ maxx and Marshalls is getting an additional bond from a Jefferies analyst who says the visitor rebound this month at those stores plus it's home goods chain has outpaced the bump that department stores
"tj" Discussed on Ace and TJ
"Allow other animals to get through to Massimo up. At! One of our ASE and TJ ECOMMERCE stimulus businesses that were helping during these times tough times for local businesses. Your company's interested. Check it out at ACE TJ DOT COM. It's a see TJ dot. com is built upon the concept. The idea came from a lot of people say we're all in this together. And then they try to sell you something we'll. We're just giving away this opportunity for people to to be a part of this because we do feel like we want to do something to.
TV maker TCL breaks into the phone biz -- at the worst time
"Tcl's a relative newcomer in the mobile phone market. And what the circumstances at hand. That being launching flack products during pandemic. They have a difficult road ahead of them. We have a multi part series. Coming your way the following days outlining how staying competitive in this insane situation how. Us consumer might be impacted when it comes to getting your hands on their phones. Roger Chang and this is your daily charge with me is Stefan Strike General Manager of Global Marketing TCL Stefan. Thanks for joining me appreciate it. Thank you having legend. Thank you so let's talk about. Tcl Most people know this company through its affordable televisions It's the during superbowl weekend. People are shopping for TV. They probably run into the T. Cell Name. But you've quite been making phones for a couple years now a while actually a long time if you give us a quick elevator. Pitch on T. sale and it's phone business. Yeah so is. Business actually are one of the longtime players in the market to be mainly a nonsmoker. The Brian These survivor rants day. So you know zozo achievement do this but also be have been doing at blackberry phones recently. they did The ranchers while doing For some of the carriers so you know. Since more than twenty years we know out to do You have all the relationship with channels to customers so the new player that sense and existing. You know Infrastructures supply chain manufacturing in those so lots of county organization saw such might be a new brand when it comes to the mobile the street But the company and doing business in the money distributor actually one of the the only place market and have a lot of experience. Tell me about that. That shift to the cell. Branding rented it. It's sort of a way free to centralize all of your products under a single name. Like why now? Why haven't we done this before? Like why Why had you lean Alcatel blackberry in these other names when you had this? Ucla Valuable so this the to those do something special for tcl in a way what to see right this right now. Tracings don't together in democracy which helps to actually do something at different districts things of course defer things five G. which is going with shot is a mobile entertainment proposition. But then as well everything that has to do fat is not on the combination of AI. Model Fausto TJ investment areas never building a lot of fat on these but also dcla's is a company in manufacture law of products and that this is voluntary expertise and we see like the Iot market is growing massively and this is one of the Petunias.
Khashoggi’s Son Says Family Pardons His Father’s Killers
"The sons of slain Saudi journalist Jamal Khashoggi said that they have forgiven their father's killers a move that spares the five convicted Saudi agents from execution once on explain the forgiveness was extended in line with the Islamic tradition of offering pardons during the holy month of Ramadan but in a tweet her show she's fiancee I TJ changes said quote no one has the right to pardon his killers and I will not stop until we get justice for
Millard Drexler: I've Learned That Growth Is the Enemy
"The first question. I just wanted to you to ask you you know. How did we end up here? That so many of these big American retailers find themselves in a position where you know there are teetering because you know the the companies that seemed to be surviving seemed to be seemed to be kind of getting through at least up until now are the ones that were strong going into this crisis. But many American retailers were already Suffering before this all started and this is kind of become the kind of final you know the the proverbial Straw against the camels back so talk to me a bit about how we ended up here in the first first thing I'm GonNa say is Speak to a lot of people every day to work and do whatever most people will say. I have no answer to your question. I mean I have one opinion on how he ended up here with. Most of us don't know what the other sides could look like in my own opinion on and I think statistics There's been for twenty years or so to many retailers too much inventory and I think what's happened because of a corona virus in one short sue. What probably could've happened ten or fifteen years ago. Too much out there to choice to inventory drove down prices drove down margins increase of price. And they're well if you look at Tj. Max I think the biggest most profitable department store in America if not the world and they have a great merchant account rich wanting running at night. I think the great were cheap or is also part of it. I think this just too much square footage for human being in America. It always has. That's one thing. Lack of creativity I think is another thing although with too many stores into choice of what you get is just a deflationary trend in retail nights. We've been going through that. Very simply stated is too much assortment out there too much goods not enough special. Not Enough unique. Lots of commodities Amazon certainly influenced a lot of this and that's life end so could add twenty or ten years ago because I always ask the question an I didn't know none of us knew about this while some people that Bill Gates I guess sold coming is what you do. Then you've named companies if solemn so didn't exist would you miss them and there was so many no. I will miss them if they weren't here anymore. Now what's happening is a lot of going away either. Unfortunately because they have no cash they're running out of cash in. They might be good at what they do and the rest. You just won't miss them and the balance sheet was week when you say their balance sheet was weak you mean they were heavily indebted right overly indebted or plus an I. Don't you know right now? Sitting with all these empty stores with huge Will push people over the edge if they might have survived longer than they probably would discount. It cleans up the landscape of Aqua Lung. Markdown companies and others who sadly will go away because you know maybe they just undercapitalized. And they might be run. Creatively have nice goods. The the report cards not in yet. I don't think it's close to being
Tom Brady Accidentally Enters Wrong House In Tampa
"The craziest Tom Brady start enough. You've seen this. This was a big news. Yesterday Tom Brady was supposed to go meet. I think the offensive line coach for Tampa Bay buccaneers in Tampa. Obviously and he walked into the wrong house into some residents house in Tampa walk through. The front door dropped his bags. The Guy Sitting there at his kitchen table and all of a sudden the door flies open. Tom Brady who is like a monster. I'm sure I don't know what he looks like real life but I'm sure he's huge walks through the front door drops his bag things like. Oh My god Tom Brady. Tom Looks Up sees the guy sitting in his kitchen table. The houses are next door to each other and they look exactly like Tom. Looks Up sees the Guy. Sitting at the table he goes. Oh my God I am so sorry and the guy said he just picked quickly picked up his bags and ran out of the house apologize. Imagine you're sitting there having lunch. It's twelve thirty in the afternoon and Tom Brady. The greatest quarterback to ever lived walks through your front door unannounced. They got there has to be a moment of. Is that Tom Brady. I'm ready God. Is there a Tom Brady? Looks like about two Robbie. Yeah that really. Is Tom Brady Omega Yeah? He didn't say anything. He just walked in dropped his bag like a duffel bag on the floor and started walking the house.
Thousands of Zoom accounts are for sale on the dark web
"A lot of people on the zoom meetings but There are hundreds of thousands of Zuma counts being sold on the dark web for fractions of a penny They've been hacked. And the way the hackers found all these credentials. They had all this information previously like bank accounts and other things and then they just tested them with zoom accounts and the ones that clicked over and worked there now selling on the web for very cheap So yours might be up for sale right now. Unfortunately there's no real way to find out until it's been sold But it's going to happen and it's going to be big when it happens but zoom has blown up in the last couple of weeks with the Corentin so he just got to hang in there. Make sure you change your passwords often and make them unique. That's all you can do
Dr. TJ Ahn: Why Diversification Is Key To Your Success
"So Nice Guy Community get this Dr. TJ on. He is a first generation. Korean immigrant who came to America along when he was only nineteen without any connections or the ability to speak English at all. Imagine some of the adversity that we've all had to overcome now. Imagine the adversity times. Twelve not being able to speak the AD. The English language determined to live the American dream doctor on spent the next thirty years honing his medical and business skills. Doctor is a pure bred entrepreneur. And we're going to get a little bit deeper dive into that. Today is involved. In other sectors including Real Estate Investing Business Coaching Private Practice Consulting and Marketing. All with one vision in mind to help physicians build profitable private practices without the hassle of insurance networks. Now listen if you're in our community and your private practice physician definitely listen very carefully to what TJ is GonNa Talk About Today. If you're not a private practice physician we're GonNa talk to you about the diversification aspect of actually building your business through all of these different modalities so TJ doctor on. Welcome to the Nice guys on business. Podcast thank your dog. Thank you so much for inviting me to this beautiful podcast. I'm I'm very happy to have you here. And what was great is we were connected through your publisher Bestseller Publishing and they send me gas. That oftentimes have a very specific market. But also have a way of being able to to Do what they do in a very diversified way. In your case I see while you are a private practice. Physician Yourself That is an area that you've learned to deal with coaching. You've done with a you know a real estate investing would can we start with just maybe just an overall You know what's your background? Why is it that you decided that it's not just the medical practice that's good but all of these other components of building your career? Yeah so you know as you introduce me. At the beginning. I came to United States with dream in mind right that typical people say American dream so You know from South Korea. Obviously I was nineteen and then I for some reason since I was fourteen. I I guess that people talk about the Vision Board I was. I felt like I always wanted to go out of out of comfort zone since I was a kid And you know nine hundred nine years old. I felt like I couldn't reach my dream and I don't know what kind of vigilant I had at the time but it felt like. I was confined so I came to United States and I love helping people right. I love helping friends. I love helping colleagues and then I was thinking basically well. I didn't tell you about this. My my mother side. They were basically medical professionals. They were doctors but they kind of force me to go into medical education right like typical parents right right but then made me kind of complete go opposite. I'm like I don't WanNa do what my parents tell me to do. You know So I went to a completely the other like different field computer science and business And I also chose State of Tennessee on purpose that I knew there was no Korean people. There you really wanted to immerse yourself in the American culture quickly. Yeah Yeah I kind of you know. At the beginning I regret in little be right. Southern accent a completely unfamiliar. I you know I didn't have a good English skill at that time. Any ways but now. I look back though small decision making a process that I did every little decision that I made that kind of made me who I am now so you know Not Anyway so I completed Converted my career again. I went to medical education. I became a podiatrist a foot doctor. And then So I did my education in Chicago. Everything basically was good just being a doctor helping patients That whole healthcare system was running. Okay when I got out of my medical school. Did my residency started two thousand three up about until like two thousand eight. That's when kind of the whole healthcare system. It's is not working as as it should be so. Yeah that's when I started thinking about okay. I cannot be successful. You know to my things that I love to do helping people enjoy my own life having family CETERA which conventional is healthcare system. So when is it that you decided that diversification was key? You know it looks like you you started with a with this medical degree in podiatrist and you were successful at that. But two thousand eight brought probably a lot of adversity into that environment You didn't have any formal training in any kind of business experience or other than growing your practice which is which is probably a huge business feet but at the same time Medical business doesn't necessarily relate completely to the private sector so Cher a little bit about how you had the ambition or the drive or the know how really to understand how to how to get out of what you are doing and maybe use it as just one part of your income but to start doing all of these other things as well. Well you know the friends right. The people you meet through. Your Life. I really believe that so critical because at the time you may not realize whom you're like talking to or making friends wait you know though that famous court you're the average of five people you hang out the most that really resonates with me that. I just met great people for some reason. I'm so lucky and fortunate that you know like I never confined myself in Tony. Medical Profession was. I am still always curious about other things. How how how things work and how business work how world moves around so I think I met great people along the way and then kind of being in that kind of environment you know hanging out with great people made me realize To have for me to have more open-minded okay. Ic- basically to run private practice just like running any business. It's it's entrepreneurship. There's a revenue and expense and obviously when revenue goes down and expense. Goes up than natural your cash flow in your prophet plummets. And that's what I was experiencing around the two thousand eight to two thousand twelve. Most private practice owners most doctors in general. They'll understand exactly what I'm talking about. You know healthcare insurance reimbursement cut. It's almost fifty percent to seventy percent on some procedure some medical procedures that we perform. So let's say just imagine easily number if I throw number Let's say Bunion procedure surgical on your surgical procedure. Performed used to be around two thousand dollars which is
Why stories matter now more than ever
"In late March in an apparent attempt to avoid cove nineteen a Quebec couple drove thousands of kilometers west to White Horse. Uconn then they travel to the flying community of old crow a community of about two hundred fifty people one still without a case of covert nineteen but the couple was eventually sent packing chief. Dana. Tj Tram of the Glitch in first nation was shocked by the couple's actions. To tell you the truth I was not prepared for a random couple from Quebec to to. Just come off the plane. It was really concerning to people just because we have a very small tight knit community that have grown old together for generations so for some strangers just to show up one day. It was almost as if someone just walks into your house and helps himself to your fridge if he will. But especially under the Kovic crisis this only had exponential affects. This story sounded a bit familiar to Guizhou Rice. Because he had written it. Before or at least a fictionalized version of it. And his post apocalyptic novel moon of the crusted snow while gisha is initially bay from the socks in first nation and also the host of. Cbs's up north. Hello Wab. Welcome back to this. Show month brand I Roseanne. Thanks for having me again. Why don't Weird Weird Situation? This is so weird I was tagged dozens of times. Chris Static the witches lawyer is original tweet about it and Yeah it kind of blew my mind very confusing. I Bet I bet you feel a bit. Like an oracle not really but. I you know obviously see the parallels between the you know this real life imitating fiction right. I wrote that particular plot points of Muna crusted snow just as a what if not as this sort of how to guides so maybe. I feel guilty as a result of that. I don't know I for the UNINITIATED. Tell us a bit about your book. Moon of the crusted snow. Okay Yeah So. It's a look at the moment of apocalypse From the perspective of northern New Snobby Community. And what happens in the story is there is a blackout due to sort of mysterious. 'cause They communications go then. The power goes outright so this community because it says so far north that people are still somewhat connected to the lane and they're able to adapt to sort of move through this sort of confusing new era but those who aren't as adapt that sort of hunting fishing and You know living off the lanes descend into a bit of panic and chaos and then on top of that just things start really getting intense. Agai comes from a city in the south. The Big White Guy who has equally mysterious background as you know as the catastrophe itself and He begins sort of imposing his will and then he's followed by some other people from the south things. The community is forced to make some pretty serious decisions as to how they're going to survive and how they're going to move forward in this new era. Yeah now this plotline that your frank you with the with the gentlemen coming from the South I'm obviously they're they're looking for food shelter and a knowledge to survive in this new reality but the indigenous community really response Interestingly to this to this To this person showing up in that they make initially welcome him in as right. Yeah and you know. There is a bit of conflicts some tension amongst community members as to what they're going to do but a lot of the leadership in this. I know in that in that particular community is still very closely connected to national values despite you know. Colonialism enforces simulation as such. So you know some of the people believe we as we should welcome this individual in and try to work together with him to create a you know a good community as we try to navigate this new reality of living in the darkness right Sort of how. He's able to take his place In the community so when this story in the Yukon I broke just recently many people online silly related to your book. What did you think when you first heard about? I thought back to win. I started writing moon of the crusted snow and that was always going to be a major plot elements of the story. Was THIS JUSTIN SCOTT CHARACTER. This white guy coming into the community from the city right and then sort of imposing his will and As I began writing it about a month or so in I started having doubts as to whether that would actually happen. You know I thought. Would there actually be people who would flee the city in a crisis in go to the res- to seek shelter to seek safety and so on so I thought that's not believable at all? I don't have a viable story. You know but it went to this House party in Ottawa Halloween Party. Actually when I was living there and that was about a month and a half into writing the first draft and was steeped in this doubt about whether this was a believable story and I started talking to this random dude their end because it's so deep into the sort of Story in thinking about the end of the world that was basically all I was talking about the people at the time so I must have been pretty fun chat back then but anyways I was talking to this guy and we were talking about things. Go down and what would happen. And so on. And he uttered the blue says. Yeah if it all went down if things fell apart here in the city the first place I'm going to the res- and I was like. Oh Yeah I was like Whoa. Why why would you go there? Wh- what's the thinking behind that he's like well you know how to. Heinz how to live in the Bush and you know it'd be a good place for me to hide out and I said okay Well which do you want to go to? You know? Thinking of the spy reserves to to Ottawa. Tanay Guy Kidding. Zv Golden Acres CETERA. And he's like doesn't matter whichever one I can get to you. The quickest right so I kinda thought you know. This is very presumptuous of this new to think that he can just go to arrests. But that was the sort of validation. I needed to write this Justin Scott character because I thought okay. There's one guy who believes this so I can write the story you know but I guess there are a lot more people who think that including a young couple from Quebec willing to drag style meters to like the other end of the land right so weary so back then it spiracy theory exactly you ever imagine like something like this might happen one day when you put your head. Deep into post apocalyptic gorgeous doping fiction. You're always all the possibilities right but I think you never really prepared for the big moments you know when something actually happens and I don't think I could have ever imagined that pandemic to the scale you know like that's sad though like people are slowly started to realize that the world we did living is gone now and what. We're going to emerge in something totally different like we're going to have different ways of life and they're going to be different roles and responsibilities that we all have resulted so I think keeping those things in mind in how resilient indigenous people are especially in overcoming these crises that has prepared mentally in some ways. Although I'm not Maybe not physically or supply wise prepared as well as it should be just in case right so the thing about anyways
"tj" Discussed on Ace and TJ
"In just email Michelle at travel at TJ Dot com that's travel at eight TJ DOT COM hey it's TJ and I want to tell you.
"tj" Discussed on Ace and TJ
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"tj" Discussed on Ace and TJ
"Taxes and delivery, fee, extra. From the mothership market of Charlotte, North Carolina. Jay is the TJ and thirty podcasts. Here's your host. Who wants a snake massage? Well, we're not giving them out, but you can get one, and we'll tell you about where you could do that. But you're not gonna wanna promise. There's no way you're going to you'd lining up for this. That's coming up in today's ace and TJ and thirty along with TJ getting an apology from his neighbors. But let's get started with your daily shame. In theory, gas your daily shame. Something you do every day. No one else may even know what happened and you feel bad about it every single day like this lady who writes, please. Please keep me anonymous. She says, I.
"tj" Discussed on Ace and TJ
"Of Charlotte, North Carolina. This is the TJ and thirty podcasts. Here's your host. Ace is going to Vegas to seek Calvin Harris. Well, that's not why he's going to Vegas, but it's on his agenda, walis air, and I'm not gonna say who, but somebody on the show, maybe thinks he's a little too old to do that. Well, we'll let say one person express that I feel like more of us think that anyway, that's gone up along with. Is it sick or sweet? And I don't mean like an in bro. Terms, sick sweet. Did you know you know what I'm saying? That's coming up as well, but let's get started with TJ family hates his success busy in theory. Yes yesterday was my daughter's birthday. This is TJ, by the way, aka Mr., you know, it, and she wanted to go to top golf top golf is a place where you hit golf balls out into this field, and try to go into these big holes in it scores electronially. So it's kind of like bowling with golf, you don't have to know how to play golf, you just have to hit a golf ball out there and see if it lands in something. There were six of us play. It was my wife my daughter, my son, my daughter's little wife ran, my friend, Michael and me. My friend, Jenny Michael's wife wasn't blamed, she just was a spectator. So all through the game. Michael is winning by a lot most of the game. He's, he's winning by probably the second place person who would go back and forth, who was second place, but usually double, the points between him and second-place. Well you play for a certain amount of time and we were playing for an hour and a half. And then when you get to the end of the hour and a half or about fifteen minutes left, it says you want to expand your time, whatever. And we didn't we ready to go. So toward the end of the game I started coming on strongly. And as the time was ticking away into the last two minutes, maybe minute and a half, I surpassed Michael. And it was getting crunch time and I hit and scored some more points and the time was running out now. Michael didn't go after me in the in the lineup. It was my turn. Then my wife's turned in my son's turn. And my daughter's termed, then Michael stern, but there was no way, if they all went their turn that he was going to be up there in time to try to catch up with me. Every one of them. Both my kids, my daughter's la- handsome, boyfriend my wife, and of course, Michael's wife. Ginny would do this. They are start yelling go. Michael go, go. He says, not my turn. It doesn't matter. You just go. Anyway, none of the rest of us can win go, go. Go komo. Michael KOMO Michael. Every one of them. Okay. I have a question, though. He's you're first. Yeah. He's last. So would you have one and have taken one extra turn? I don't think so. I think we would have been all. I'll even it because if you, if you first so every time you went, he went, so if you went somebody he would be do one more, right? No, we were going by the time. Limit of it thing. And we were all on on par to go as we were going through there. And it's my family. Yeah. I'm thinking about. Maybe they were trying to keep it fair. No, no. They're pretty much thinking TJ. Jay. That's crazy. Disliked the listeners that hate me. Now, always wanna see me fall. I always want to see the guy who always win the one who always wins, take a fall, even my own flesh and blood. And then that, that. That one I'm married to. That makes sense. I mean, but the rest of them. Yeah. I'll give you one. Yeah. Yeah. You get that one dad's always at the bottom of the dog pile, man. Man, and I didn't care about winning really except for the fact that we were playing something, and I wanted to make sure, but I mean, I felt like such a bigger loser right there that I had obviously failed my kids and my wife, who were they would wish for my demise, even in something like that. Yeah. No fan. So maybe my wife really knows what she's talking about when she says people don't know how to take you..
"tj" Discussed on Ace and TJ
"Duplicate. TJ and ace tech rub still have to play their favourite girl empowerment song. What have you got rob? I have. I was flip flopping for like the past ten minutes. But I ended up with Carmen brokenhearted. Forgot about this. That was great..
"tj" Discussed on Ace and TJ
"Show. <Advertisement> <Speech_Music_Male> <Advertisement> <Music> <Advertisement> <Music> <Advertisement> <Music> <Music> The <Speech_Music_Male> TJ <Advertisement> show presents <Speech_Music_Male> <Advertisement> <Speech_Music_Male> a moment <SpeakerChange> <Advertisement> with TJ <Speech_Music_Male> <Advertisement> my brother <Speech_Music_Male> and I <Advertisement> <Speech_Male> had <Speech_Male> these daybreak kids, <Speech_Male> and they <Speech_Male> Kool-Aid <Speech_Male> on their <Speech_Male> cereal, <Silence> but it was because there <Speech_Male> single <Speech_Male> mom was always out. <Speech_Male> Hold on. <SpeakerChange> <Speech_Male> <Speech_Female> <Advertisement> <Speech_Female> <Advertisement> <Speech_Music_Female> <Advertisement> Facing. <Speech_Music_Male> TJ. <Advertisement> <Music> <Advertisement> <Music> <Advertisement> <Music> <Advertisement> <Speech_Music_Male> You <Advertisement> start your <Speech_Music_Male> Memorial Day <Advertisement> weekend. Little <Speech_Music_Male> reminder, <Advertisement> <Speech_Music_Male> <Advertisement> <Speech_Music_Male> sometimes <Advertisement> you're just too <Speech_Music_Male> smart to be <Advertisement> around your regular <Speech_Music_Male> friends <Advertisement> <Speech_Music_Male> <Advertisement> genius <Speech_Music_Male> need to stick together. <Speech_Female> <SpeakerChange> Telling <Speech_Female> you how the mineable <Speech_Female> Mestre <Speech_Female> master, I have <Speech_Female> the mine of a mastermind. <Speech_Female> What's that <Speech_Female> I don't know. But <Speech_Female> I'm so created <Speech_Female> like that. <Speech_Female> <SpeakerChange> <Speech_Female> <Speech_Male> <Speech_Male> <Speech_Male> Misdemeanor <Speech_Male> domestic. <Speech_Male> <Speech_Female> <Silence> She was the muck <Speech_Male> banger that did everything <Speech_Male> hot Cheetos, so <Speech_Male> she would make a steak but <Speech_Male> cover in <Speech_Male> crushed hot Cheetos. <Speech_Male> <SpeakerChange> <Speech_Male> She <Speech_Male> one of them that, <Speech_Male> that looks like <Speech_Male> she would be a MC <Speech_Male> banger. Or <Speech_Male> is she like <Speech_Male> one of the tiny ones <Speech_Male> she's? <Speech_Male> Yeah. <Speech_Male> I mean she looked. Yeah. <Speech_Male> Okay. <SpeakerChange> <Silence> <Silence> Right. Have <Speech_Male> you saw police officer <Speech_Male> in uniform, <Speech_Male> you would know right away, <Speech_Male> what he or she <Speech_Male> does for a living, <Silence> exactly? <Speech_Male> Same with her being <Speech_Male> professional eater. <Speech_Male> Right. Right. <Speech_Male> <SpeakerChange> <Speech_Male> <Speech_Male> <Speech_Male> <SpeakerChange> Have <Speech_Male> a great week. <Speech_Music_Male> Didn't get <Speech_Music_Male> enough. <Advertisement> For more, <Speech_Music_Male> get the <Advertisement> ACT <Speech_Music_Male> J app <Advertisement> in your app <Speech_Music_Male> store <Advertisement> is <Speech_Music_Male> connected funny. <Speech_Music_Male> Material copyright two thousand nineteen eighteen Inc.
"tj" Discussed on Ace and TJ
"The. The market of Charlotte, North Carolina. This is the ACT g and thirty podcasts. Here's your host yesterday. Sass reagan's. And I. Evading the law. What does that mean that's coming up in the as in DJ thirty podcast? Along with a guy who shot himself. But let's get things started with how far did you go for freebies? In theory. You're looking for freebie. How far are you willing to go for a freebie? We told you this was going to give you something that will make you laugh, but also something you can share later in the day. This girl says she has to number one, I wrote a mechanical bull in my bra in a bar full of people for a free shot. That's my girl is that one on the Facebook Facebook. She also said, I also used to behind the shadow box at the same bar and I didn't get paid. I just got free drinks, LL, so in order to get free drinks, she would dance behind a shadow box. However, she does point out, you couldn't wear clothes behind the shadow box, so she had to dance completely naked, but no one all anybody could see was her outline. They couldn't even see it was hurt. For free drinks drinks. Okay. Well, then I didn't witness this. But this is the first I've heard of a skinny girl riding a mechanical bull. I looked up on her the Facebook one. She must have lost weight since then because they don't allow exist today. How far we go over freebie. This lady said, I made out with an usher in a stairwell at a loss Angeles Lakers game to get to beat Shaq and Kobe and the teams that would have been early two thousand she shacked fhu. Yeah. Nice to meet you always. Hi, anonymous Lucy, welcome to the TJ show. How far did you go for some freebies? On Veterans Day. They offer a free meals around here in Columbia, South Carolina. So I know I'm not the only person that did it numerous establishments in Colombia will have people lined up around the whole building in order to get a free meal and some of the places require you to sit down and eat. So I would sit down and say, okay, take maybe two bites. They can have it to go play. And then I would end up putting the to go plate in the back seat of my car and throughout that whole day of waiting in line on sitting down and eating I probably got about seven to go plates and took it home. So my whole family could eat. The entire day, going to different restaurants to get the free meal for veterans. So you could have a meal for the entire family that evening that was completely free. Yeah. I think that's that's great. Thank you for your service, very much. Here's just said, I literally just drove forty five minutes to the new trustful water burger for a free Honey butter chicken biscuit. Sounds good..
"tj" Discussed on Ace and TJ
"Guest. This is the ace and TJ in thirty podcast now TV on demand on hastened TJ dot com TJ app or throughout heart radio. Are you ready for everything and nothing all the time? Hey, it's as drilling me. For my podcast ace at large knew each Thursday at twelve noon through itunes and Google play. Looking for spectacular deals on spring break in summer travel, Email or travel agent Machel at travel at ace TJ dot com and follow as large on Twitter, hashtag as at large. Hey, it's TJ. And I wanna tell you about my recent stay at the Ballantyne. You know, the second you walk in, you know, you're in a fancy hotel is not only beautiful, but the staff goes out of their way to make sure you have the most luxurious experience of your life to go to the Ballantyne dot com and see all the great things you can enjoy everything from their spa to golf, they're beautiful pool. Fine, restaurant and everything else. A true luxury hotel provides. So book your stay now at the Ballantyne dot com. I really think you're gonna love it. Never duplicate it. Talking about people who try to upstage the bride at Wiggins. And this lady that. T- for having to read the whole message over and over again, she was engaged and obviously close to a wedding of her own her so-called best friend took her fiance away. They didn't speak then they became just civil with each other, you know, high high. I don't hate you. I don't hate you either. And then girl number one gets an invitation to the ex best friend's wedding with her ex fiance. So she's planning on wearing the wedding dress that she was supposed to wear and her wedding to upstage the bride and saying that she's way prettier in waste malter than the bride. So she's going to really really get a lot of attention. And I say go for it. Go get them. Have had it to hear. This message said regarding the girl with the wedding dress, my rom com heart wants her to wear those pants from the nineties with the buttons down the side and walk in and in stay in bend dramatically tear, the pants off at once revealing the wedding dress underneath anyway. Good for her. I hope it's epic. Yeah. Are y'all doing man really make a scene? Here's a lady being called. Claire she says the best thing she could do is bring a date an act happy as hail and leave the wedding dress at home. Yes. Claire, but I think the being happy as she can be would mean from my perspective, not having to go to a wedding waste, your sadder. Once if you're gonna go make it worth your while. And and entertain somebody. Was she? Oh that girl. Nutting new. None. I she's in capable of doing that though women, you know, they post pictures of their coffee because they gotta let everybody know this enjoying what I'm doing. I don't think she's capable of doing that. So if you're going to do it. Go go out. I think there would be more women writing in to support her if she hadn't added that part in there about I'm smaller and prettier than the bride. Because then that turned even a women who were supportive of her off. Just because they're thinking, well, then she probably thinks she smaller and prettier than I am. Blank that. That noise. Dies only. I can't believe I was hit on by blank. I was hit on by the female church tech director while replacing lamps in a projector on a routine service. Call says anonymous Lucy. She stood under me while I was working and asked to hold my ladder. I said I was good. She didn't proceed to stand there. Anyways. Right in front of me saying I'm happy to help. I'm enjoying the view. Hey, I laughed it off. And when I came down I had a work order for him for her to sign that I did the work, and she told me she would sign off on it. If I would write my number down. I was slightly embarrassed. But I still brag about it. That little light of yours. I'm gonna make. Yeah. Climb that ladder way didn't climb me. Hold your. Hi. Welcome and TJ show. So you can't believe you were hit on by who. In alabama. Hey, you're twenty three go ahead.
"tj" Discussed on Ace and TJ
"Yesterday. And TJ. We're going to bring together next on the as people under thirty will tell people over thirty one thing in particular that they need to know. Stay connected funny with as TJ in thirty thirty. It's the best of today's show in thirty minutes and available through right tunes. And now on Alexa, and Pandora more of the TJ show. Be connected funny by following more show after the show on Twitter, hashtag more show and find your closest clean juice location by going to clean, juice dot com. To get more details. Click on the clean Jews add right now on ace, TJ dot com or on the ace TJ app. It's clean juice. Are you ready for everything and nothing all of the same time? Hey, it's as join me for my podcast ace at large knew each Thursday at twelve noon through itunes and Google play. Looking for spectacular deals on spring break in summer travel? Emailer travel agent Michelle at travel at ace, TJ dot com and follow as large on Twitter, hashtag as at large. TJ show podcast are your way to stay connected funny after the show's over more show, total recall as TJ and thirty and cast shows are all available through I tunes and most other podcasts services. Dow TJ. As people get older. You still want to remain still wanna feel hit and still wanna feel like, you know, what's cutting edge these days. Thus we bring everybody in opportunity today. To come together as one generations, helping generations. This is the first day of a two-day series today. People under thirty we'll tell people over thirty one song, they need to know just to be familiar. Whatever it might be. I'll give you an example. We've Reagan's posted about this. I know it was on our Instagram last night. And this is one of the responses that came in several times. Over the age of thirty. Town. Taylor. Who's the town road? No. You should just know. So, you know, what's really cool. Right. You really know what people are listening to what younger people are in tours. And that one came up several times, which is a really good example that if you're over thirty you should at least know something about that song. No the hook of that song be able to kind of. Oh, that's that's a little old town road. To here's another one. Somebody shared with us. It's bad guy by Billy eyeless. I you. I'm not bad. Here's the thing. Why is this? So important. This is the number one album in America again, and she is really on fire right now seventeen years old people love her, and she is in the process of blowing up. So that's like the next big thing is Billy eyelash who's already kind of a big thing. Do you have one you recommend? I do mine's a little on the EDM side. Say what he's editing editing it. Okay. Oh because mine's that fair answer. What what what? So here's how it works. One. Triple eight four one to twenty three eighty five. It's one triple eight forty one as TJ or you can be Facebook, Twitter, whatever and give us only if you are under the age of thirty. Give us the song that you think people over thirty should know. And we'll try to keep it to to you know. I mean, we the thing when you do this kind of it could run wild with stuff. That's of all varied musical genres that nobody even knows or anything like that. It could get out of out of control try to keep it stuff that popular that you believe people over thirty should know. Because the same thing tomorrow. We said, hey, give me give us one song. People over thirty one song people under thirty should do, and you can get so many songs from somebody from places that there's no reason you need to know this stuff, but talking about popular music. What's one song people over thirty should know? And again, if you're if you're thirty you're out under thirty only tell us ones on people thirty in up should be aware. Even if it's a song that they should avoid because it's so terrible. I should know this song. So I can avoid it because it's that bad skip it every yet that that even qualifies. So here's to see what comes we'll get to them next. Naked funny with the ace and TJ show on demand. Subscribe on I tunes or simply search with Alexa, the on demand more of the TJ show next. Hey, it's TJ, and I wanna tell you about my recent stay at the Ballantyne. You know, the second you walk in, you know, you're in a fancy hotel is not only beautiful, but the staff goes out of their way to make sure you have the most luxurious experience of your life to go to the Ballantyne dot com and see all the great things you can enjoy everything from their spa to golf, they're beautiful pool. Fine restaurant and everything else a true luxury hotel provides so book, your stay now at the Ballantyne dot com. I really think you're gonna love it. Want to save up to seventy five percent on domestic or international airline tickets, then call low cost airlines for prices, so low we can't publish them. Call eight hundred two eight seven forty seven sixteen eight hundred
"tj" Discussed on Ace and TJ
"TJ. It's not the news. It's more portent now trending with ribbons on the ace and TJ show. Okay. We'll get to a shocking story about a husband and a wife and their new baby will also get to the tweet of the day. But first today is an important date because Chick-fil-A is rolling out their new key lime frosted drink and CJ when I thought into this favorite dessert at looks delicious. Some kind of soft serve and lime flavoring vanilla ice dream lemonade and natural sugar free lime flavor. Okay. Yes. I love love key lime flavored. But yeah, especially key lime flavored key lime. Those are my face. Yeah. Anybody? What is the commercial? Is it a gyco commercial where they've hit? They've struck a soft serve. I scream oil. I love that every time that looks. What the poor guy there to voles incredible does. But still hanging onto some of my germaphobe as they're all greasy in nasty that ice cream go wash your hands you so filthy. Don't be eating that ice cream those Greece in this hands. It's spilling out their faces. Tweet of the day comes from a guy named for Nando. And his tweet is dads are like boomerangs. I hope. That was good. That's like numerous rate. So a woman has reached out online looking for help. So she's with her husband. They've been married for over five years. They are thinking about having a baby. And he is adamant we're going to name our daughter if we have when Addie Mae, and she goes, oh my God. I love that name. What a great name and he's not even wavering. He's adamant that this is going to be the name. Then a few weeks later, she starts to think that her husband might still be in contact with his ex girlfriend because he's been mentioning her, and she's just a spacious so one night, she goes through his phone, and she starts flicking through his messages, which is a big no-no, obviously. And then she comes across the girl's name. And it turns out he hasn't been talking to this woman his ex girlfriend in a long time. It's been years. But then she starts scrolling through the messages. And she eventually runs across a message that says from her if we ever have a daughter, let's name her at. So now, she's kind of in a position where she fell in love with the name. But the fact that the name was created between the two of them and he's bringing it over. Yes. And he's so adamant about it. And now she can't confront him because he hasn't done anything wrong. He hasn't been in contact with her, but she cannot live with her daughter having this name, even though she's already told him. Absolutely. Because if he says anything he's going to go did you go through my messages, even though he should have probably brought that to her attention like I didn't come up with this. Or should he have? So now she's wondering what she should do. Wait. Did he suggest it to the exit of the X suggested to the him when they were together the exit jested to okay? Yeah. That makes a difference. Okay. Kick. That makes it worse. Yeah. Yeah. Yeah. Yeah. Much much worse. But he didn't do anything wrong. But should he be forthright? What is it forthcoming about the Genesis of the name? No, no, no. Because he loves the name. He he doesn't love the girl anymore. Just so happened that was the name that he loved how do we know that though what if he does love the girl every time he calls a daughter. He might still think of that. Oh, I mean, I don't think that whenever I call my daughter by her name, I love that stripper named lane. She was my fav- favorite perform, no kidding. How many years is it being though over five oh come statute of limitations? He owns the name the owns the name. A lot of people are saying they should get couples therapy before they even have Kim pick. Let individual therapy for him because he's clearly hanging onto something from his best. He's hanging onto that name because he liked and they've been together for five years, and she saw that he hasn't had any interest in this woman or done anything anything with his ex that's even suspicious since he's been with her, then she's just focusing everything on a name that he likes for the baby. Then I think she's it's past that because you got a baby now that you're having to worry about whether or not, you know, things are right for the kid. You wanna start a whole big ruckus between the mom and the dad right before a baby is born over the name, and who got it wear, and he hasn't done anything with this woman. Other than like the name. Why do you like that name so much though? Yeah. No. It's what I'm saying. She needs to not do that. You see needs to not make big deal out of it. And look if she wants to name the baby something else, let's face it. They're naming the baby something else. And she gets the the power of he can't just be insistent upon it. And then do if you don't want him to have that baby's name be that. Then all you gotta do say. I kinda don't like that or say a had a relative who had that name, and she was awful, and whatever you're pregnant, okay. He's going to go with what you want him to do with what he's gonna go with whatever you want tell unless he's just a complete jerk. And then you shouldn't married him in the first place. But here's the question that just popped up at our DM. Why does he still have those messages? Well, it's on your phone. Yeah. A lot of people just don't delete their message. I don't think there's anything sinister in that way, or like shady she had to go back. And then she went through his phone. Went back through she found. There was no right now the wrong those suspicious activity other than that. And she still went through the messages like. I definitely would. She said she liked it. So she can't go back and say she doesn't anymore without him thinking something's up if she can't she's hormonal. Oh. Blame it on that. Well, it's wishing needs to blame it on. She's got an out here is what I'm saying. I'm saying women can get if they're married to a decent guy who really cares about them. They can pretty much get anything. They want at anytime, especially when they're pregnant. She should use that to her benefit of it's going to cause that much strife. Yeah. Hey, stop talking to your friends about it. That's the main thing you need to do stop talking to your girlfriends, and your mom and your nail tech. And all of first off. Why does he still have the messages? Why did he not delete them? Does he still scroll through those old messages longing? And missing this other woman and realized that she did come up with this name. Yep. He does if that's what you wanna believe. Sure. But from five years ago, he has messages shady. He probably has even looked at his. Why would you let me tell you something? I don't see men. So this is the way women can't think like men men don't sit around and read text messages in long for the days of their ex. That's not the way we do things. That's why you see women who will be yelling at their boyfriends or husbands. Why do you still have these pictures because men are visual? They're not gonna sit around like, they're reading, you know, what's his name, our friend. The author nNcholas nNcholas sparks movie or script or book and go through all the texts. And all she says, she loved me that day and men don't do that women do that. So you women need to take a look at yourself. I think that's what you need to take a look at yourselves. All those things are not to. Excellent. You hear me sass unless you to MIR im. Look at look at you. You and your time spent on the restroom floor coming up next. Not Jay is the funniest person. We know and now he's going to act as the filter. We've all needed from social media posts and entertainment, if she knows are funny. It's a new Facebook group called share funny, and you can access it at as TJ.
"tj" Discussed on Ace and TJ
"It. But never duplicated is the as TJ in thirty podcast. People being wasted during Saint Patrick's Day celebrations and finding themselves passed out or resting on a public bathroom floor. So you said you don't have to be drunk or passed out in that kind of way to spend some time on the bathroom floor, and the public place what what caused you to be that way. This list lovely lady says I spent time on a public restroom floor when I was about nineteen weeks pregnant, I was so sick. I couldn't keep anything down in. My husband tried to take me to subway. A literally thought I was gonna pass out. Scared. Joe? Because I just had to lie on the floor after I threw up. It was the worst nineteen weeks of my life. But thankfully, the morning sickness went away shortly after that. Yeah. Well, subway bathrooms, most likely are clean. I would think, but man one of her husband's too, you know, was out there with his boss. Condemn approve a long long time Ciccone. Okay. And this is another one, it's probably not a terrible restroom floor. But the story is hilarious to me because she said I was about three months pregnant took my husband to the dentist for to extract from before leaving. I want to use the bathroom. I don't remember anything after that. By husband said all he could hear from outside. The door was me hitting the floor and his panic to communicate to the staff what he heard where the mouthful of galls. I remember coming to and our Dennis was sitting on the floor next to me on the bathroom floor. But imagine him he hears her. But he's. Oh, my that was my God. Offended. Just like this guy said when I worked at a Honda dealership doing auto detail of friend offered me dip for the first time. I got so sick and woozy that I went to throw up and ended up asleep on the floor of the bathroom for hour. Wow. Pretty much any body who uses the. Uses the term Woosie is going to go on the top of my list. That's one of my favorite words. Woozy fan wounds. Is it out, you know, feeling woozy? Okay. Then the first lady message back and said it took him about twenty minutes before he came checked on me, how someone. Twenty minutes. What getting down on sub saying I'm trying to work on a subsidy? Finished. I'm ready to go. But he may have just thought, you know, she's in. Yeah. P whatever it takes them a long time. Who knows or you may have just okay? This is a break for me from the hormones. Let me go to enjoy my meal in 'em. Peace can. You can get a little bit of modern out on his. Yeah. TJ in thirty when we return to ACT TJ and thirty the podcast that is currently on. Sponsored if you'd like to be the sponsor sent an Email to ace TJ at as TJ dot com. We will talk about as trapping his hand and the Cold War in your home. Podcast. This is the ace and TJ thirty podcast now on demand on ace and TJ dot com TJ app or throughout heart radio. Looking for more than juice clean juice offers smoothies. Also eagles avocado toast, and so much more all USDA, certified organic, go to clean, juice dot com to find a location near you. It's clean juice. Take a journey back in time and get connected funny to an Asian TJ show from the past with a total recall podcast total recall, sponsored by the amazing Valentine hotel and spa in Charlotte. Book your getaway, the Ballantyne dot com and follow total recall on Twitter, hashtag total recall. But never duplicate. Gas, and you know, I have a big two hundred four wheel drive, and it takes Twenty-one gallons, and I could go exactly seven more miles before I ran out of gas. So I figured I've got time while pumping twenty and a half gallons. I'm going to wipe off the dash. 'cause I keep those armor all wipes in the console. So get the gas going door to the truck is open, and I get the the so I can hear the pump in case something goes wrong. Great armor all wipes out I'm wiping it down. And I'm wiping off the dash the dash wipe down. And then I'm gonna wipe off the steering console and the things going, and normally I can just block that out. It doesn't bother me. But something about it on this morning was began to annoy me, so as I'm wiping off the steering console. The top of the steering console with my right hand wipe underneath my hand. Wiping off the top of the console trying to get down deep. You know, wipe it off get the dust off of getting super clean. I reach under with my left hand pop the keys out of the ignition and drop them on the floor. At that point the steering wheel in the truck whenever you take the key added, ignition it automatically raises up to give you room to exit the vehicle. Well, the problem is my hand is down in the back of the steering column. Top, and I'm wiping, and when it raises up. My hand is stuck. And I thought oh that hurts because it's stuck I'll pull it out. Oh, no. I won't the all the way put it out is if I tear all of the skin so here, I am on a Saturday morning. I hear the pump. Click click. Door to the truck is open. I've dropped the keys on the floor. And my right hand is caught in the steering column of the truck. And for a moment. I kind of like my panic. Okay. Do it hurt and it really it's very uncomfortable. Okay. Just put the keys back him. And I try to fumble that into the floorboards of the key. When I dropped them they've moved over. And I can't just reach them. I can get the tip of my middle finger on the. You gotta be kidding me. So now, I'm stuck in. My hand is really starting to hurt. I'm thinking this happened at appreciate period of her. Oh my God. I'm going to have to Yale for someone to come hand me the keys that aside. There's no way there's no way that's happening. So with my hands still stuck in the steering console. I have to kind of maneuver around with foot and kick them over read them get them put them back in there for it to release my hand from the steering mechanism. And when I do my fingers were all mashed up, but there was a moment of you are the dumbest human being alive. I trapped my own hand in the steering column. And thank God. I don't think anybody saw because nobody was at the pump next to me. But there was a brief period of I'm going to have to just hold the door. Open and yell at somebody to come. Key and your. I'd never thought about it. Your hands in there. Igus stuck? There was no pulling it out. I mean, I guess I think I could have pulled it out. But it would have torn my hand up to do that. I don't think I've got out. Well. Judging by what you do while gas is pumping. And what I do while gas is pumping the whole thing the whole time thinking that as you're in that position as you are nothing, but a target. Anybody could come up there to mug you? Rob you whatever because you couldn't move. You couldn't get out of there. And what I do when I'm pumping gas is have my gun in my pocket on a certain complete swirl. The entire time just circling waiting on somebody to try something. That's what my trucks filthy. But I have digits in place.
"tj" Discussed on Ace and TJ
"Show. Is the TJ show? We'll bring it back. Teachers items face are two members of the TJ Shoko head to head in a battle for the best song. So here I have a Cup full of the show. Members names I'm going to randomly pull out to show members one Cup to ship. And then. And then I will pick a random letter of the alphabet the show members have to go into their tunes library pull a song from an artist that begins with that letter. And we will have a battle of the best song. So I the reigning champion. The last one was TJ verse SAS. Oh, that's right. And I believe TJ one dominated you would be the current reigning champion. I didn't it wasn't. It wasn't a rhetorical question. I didn't really know the answer is but. Wow. First name is ace. Okay ace you are contender number one contender number two. It could've been a contender TJ. Oh, okay. So I will now pick a random letter of the alphabet. I'm normally not very good at this. 'cause I pick name of his sex day. I'll I'll let SAS because I've always picked the letter of the SAS pick a random letter of the alphabet S S. Oh, I wonder why. Why I asked Jay will now go into their items library pull a song from an artist or a band whose name begins with the letter s and my tunes that's in your library. Okay. And then next we will have a battle for who's got the best song. This exciting. I don't have any known with as notes not commonly. Oh, that's going to say I was about to say what about shock Akon? Like, I'm an idiot. Okay. I guess I'm not going with anything that. I really would like to hear. Well, hold on. This is pretty good for you. You know what? I mean. Yeah. That means what does that mean artist at me and him like that start the s. Wow. Okay. Well, listen little inside secrets. I just realized I forgot. All right. Because I'm young. Okay. I know I know. All right. So in less than ten minutes, we're going to have a battle for who's got the best on ace verse TJ one battle to rule them all in less than ten minutes. There's more. Coming up. By donating just one dollar as as radio, family charity. We're ready campaign. The ready and have enough money on hand for immediate help. Members of our radio family might mean as TJ dot com. Abby eighth TJ athlete for the radio, family charity. One dollar link to donate now TJ. One battle to rule them all TJ's. I tunes showdown is back and better than ever ACT. Jay have been ready to challenge. Each other. With the best song, we read it. We. We read full ya'll yard so sassy pick pick the letter S. So each ace ace and TJ we'll both have to pick a song by an artist or band whose name begins with the letter s then we will post the songs on social media. You will vote on who's got the best song. So who wants to go first? I uses the challenge. Yes. The defending champion. I should go first. That's correct. As who have you picked I'll pick with with s I had so many options in my phone. I could have gone with ski Lou could go on with the scorpion. It's going to go with skid row could've gone with any number of people. But I went with a quite honestly choice of pantry. I'm paying to the people because I wanted to give the lady something to make move today. Something to make a move not just in their seat. But to vote for me to win whatever this game has called. So I give you. Saw pepe. So,
"tj" Discussed on Ace and TJ
"Up. Coming up on the ace and TJ show. You were rolling to the prom. What were you listening to? Why you roll into the prom prom season upon? Taking it all the way back or maybe a couple of years been how would you? From playlist coming up at about thirty minutes on the TV show. Yes. All right. So Reagan's it looks like people are saying to your question as whether or not the staff at a faint, see hotel would build forts for your cheer and thing. Like, you're suspecting that the Ritz Carlton and Charlotte did for pink people say that that's completely possible. And then someone suggested it could have been the name. Oh, okay. Yeah. Yeah. But I could see where the nanny would have to work in conjunction with the hotel to get the supplies and things to do that. But pink in concert. The other night was talking about how great how nice everybody was in in this town, and as she's talking about being out in town and running into people in how nice everybody is in this town a fight broke out right in front of her. A fight. Who's mighty a pink concert? That's what I'm thinking. Wow. So this we got a we got a great Email. Hayes TJ about a used golf cart on Sunday and the older couple that owned. It told me it was owned by either ace or TJ previously. They couldn't remember which one did either of you tell your son when he got old enough that if you wanted a car that he had to sell the golf cart just wondering if the cute little oh couple was telling me a story. You mean lying? Yes. One of the governor. So. Yeah, the Kyoto couple ID, that's fine. But I wonder why where they would come up with that. They would say. Just pick our names out of the blue. To say that you know, they send TJ ace Ortiz J owned the scoff Corp cart before we did. Maybe the person who sold it to them at the store. You know, what that's possible? Maybe somebody else a lot about it. Third hand believed it for years, neither neither of you. Never own a golf car. Car. Yes. Golf cart. No. Why did you make that face? I mean, I don't know. Hm? Had no reason to have a golf cart. I don't have. I don't play golf. Right. And my kids drove around the neighborhood in golf cart. Yeah. They've been show for their whole. This is the TJ show. Okay. One of the biggest stories this weekend was a Jaguar and a woman and attempted selfie and some scratches and some bites and a hospital. Visit details now trending in less than ten minutes. The ace and TJ show TJ I wanna girl woman that looks like that like she's walking around with a real life filter on her face at all times. The TJ show.
"tj" Discussed on Ace and TJ
"TJ. Be connected funny by following more show after the show on Twitter, hashtag more show and find your closest clean juice location by going to clean, juice dot com. To get more details. Click on the clean juice add right now on ace, TJ dot com or on the ace TJ app. It's clean juice. Are you ready for everything and nothing all of the same time? Hey, it's as join me for my podcast ace at large knew each Thursday at twelve noon through itunes and Google play. Looking for spectacular deals on spring break in summer travel, Email or travel agent Michelle at travel at ace, TJ dot com and follow Acer large on Twitter, hashtag as at large. TJ, you know, the the most common type of insurance that rednecks have labs. TJ? So they is national napping. Napping with an F. I'm reading what that means. Whatever. So as prom season approaches, you are looking to have your prom ride playlist. What would have been featured on your prom ride playlist, and then we need to know the year that you graduated which kind of helps a little bit so lay Adam here that says two thousand seven the shop, boys. How many times do you think they played party like a rockstar? Too many had to be more than one. Two thousand four. What's your fantasy? You can never go wrong. With Lucas never ever ludicrous, ludicrous ludicrous. I don't know the year, but this has been. I can't well this'll be the nineties. Late nineties. Maybe early too. Paul. Name repeat plane take. Ninety nine. So it wasn't the fun part about this is. You get to see how wide spread like the age gap in the people that listen to this show. Yeah. Something recently fairly recent two thousand ten two thousand twelve. Then you get this from eighty seven. Thanks here. I go again except for that's the crappy version that souks. Sast? You have yours. Can I tell you? Do you have it in? Well, okay. Sas goes we're talking about age spans, Wayne firemen. She's like you. Remember, a beauty and the beat Justin Bieber and like four years ago. Yeah. Those at your pro twenty eight. Style or. You're from playlist. Good lord. And I pay phone ring five my God. Yeah. Child. Fruit salad wiggles. Pack. Two thousand four Jay Quan. Komo. Three to four everybody on. That's you can't go wrong with that. Just can't go wrong with that. Let's say couple from Twitter la-, John get low. Okay. Somebody just put two thousand eleven thanks. Thanks for that. Here's a good one. If you're on your way to the prom, and that comes on people, just going, go, beserk and dessert. Yeah. That's not my favorite DM X song them. Real. Yeah. My favorite one is. Can
"tj" Discussed on Ace and TJ
"This is the TJ in thirty podcast. On demand on TJ dot com TJ app, or I heart radio. Are you ready for everything and nothing all of the same time? Hey, it's as Jila me from my podcast ace it large knew each Thursday at twelve noon through itunes and Google play. Looking for spectacular deals on spring break in summer travel, Email or travel agent Michelle at travel at ace, TJ dot com and follow as large on Twitter, hashtag as at large looking for more than juice cleaned juice offers smoothies. Also eagles avocado toast, and so much more all USDA, certified organic, go to clean, juice dot com to find a location near you. It's clean juice. Never duplicated. This lady really TIMMY wasn't her. She was just breaking and entering with her. Mom. Into the upstairs portion of our house that we had turned into a duplex. After my parents divorce. Mom needed to get in there to get dad's erectile dysfunction meds. She took all of it out of the medication vials replace its contents with water, so he couldn't have fun with his new girlfriend that he'd left us for. Okay. I love it. Yeah. This lady broke into her ex's house to leave some of her personal items laid around. So when he came home with his new person, he was seeing she would think they were still together. Yes. What do you mean? Yet is just great. I would never do it. But as hilarious, but. We don't know if they broke up because of cheating. Maybe just maybe he just didn't. Maybe he didn't want to date her anymore and breaks up and you're saying yes SAS because she didn't breaks into his house to try to break up his new relationship by planning her own stuff around their social Sese. But that's good drama right there. You you gotta give it credit for the the mind power to be able to be that that deceitful and evil. Okay. That way. I would never have the guts to be breaking into somebody. Mainly because that could get arrested or shot or anything else. You don't know. What you go into you may think nobody's home, but somebody could be and you come, you know, burgling them. Here's a girl that says, please keep me a non ass- totally random, but I broke into my ex's house. They broke up a year of dating broke into my ex's house and took all the food. Why? 'cause I bought some of it, and he was going to eat on my heart earn money. About the food. Comes home. And he is opened the fridge. Nothing there pantry nothing there. It's all gone. You go to jail stealing cereal right out of somebody's house took my fish. And then SAS he just remembering that, you're gonna love this one. Okay. I think it's technically breaking and entering. She writes, please give me anonymous I used to break into my ex's house and just move stuff around. He cheated on me with my best friends. I wanted to do something to really mess with his head. He told everyone he thought he was sleepwalking. He never figured out that he never got his key back from me. And that it was me all along. So I guess technically she had a key. She didn't destroy the place. She has moved things around. Right. Would she go in in the middle of the night? And just like share over move the Ottoman around a mistake this chair out here in the middle of the floor. Cheated get a girl. Yeah. She's doing the kind of stuff to him that I do to Riggins when I go to his place. Yeah. Just kind of put things, you know, Dan, no, just subtle for him to find maybe a week later. Who knows like how'd that get their the stupidest thing he's he I have a Kleenex box. Like put a bunch of cotton balls in the top of the Kleenex. And when you pull a Kleenex out a hundred cotton balls some stupid. Wrong with you. Nothing's wrong with them. Cheated on me. Lady says keep me anonymous, please. But women absolutely hate that. I can pretty much eat anything. I wanted never gain weight. I'm talking burgers wings, pasta fries. I basically live off of three food groups carbs cheese sugar sweetser, my weakness, I love eating giant piece of cake right in front of a hater. Sorry. Not sorry. Yeah. Emoji cry laugh emoji double birds part and everything else was there.
"tj" Discussed on Ace and TJ
"Cast. This is the ace and TJ in thirty podcast now on demand pawn hastened, TJ dot com TJ or throughout heart radio, looking for more than juice, clean juice offers smoothies. Also eagles avocado toast, and so much more all USDA, certified organic, go to clean, juice dot com to find a location near you. It's clean juice. Take your journey back in time and get connected funny to an Asian TJ show from the past with a total recall podcast total recall sponsored by the amazing Valentine hotel spa in Charlotte. Book your getaway, the Ballantyne dot com and follow total recall on Twitter, hashtag total recall. Never duplicate. TJ and I went to friends mountain house this weekend. He, and I we'll get together from time to time and different places in never been up to where his mountain places. So I went, and it is probably it was about a three hour forty five minute drive. Very secluded like I almost got excited because I was going to have to lock my four wheel drive to get there. I didn't alas I didn't. So just the two of us. Trying to figure out what we're gonna do for the weekend. You know, not really not really a big city atmosphere where you can go clubbing or anything like that. So we went into quote unquote into town Friday night to eat dinner, and we went by into this little bar restaurant. And they told us about how they had so many people in town from all over the country this weekend in that low area because his big festival like thing. They were having oh cool said, it's B Y O B and starts at the three o'clock. Other other things around you know, leading up to the big event. I think it starts at eleven. So we get up the next morning we load up a cooler head out there. And all these little I don't I would be telling you specific names of towns, and all, but I don't know specific names because in the mountains, you know, it's just like one little mountain town after another one little community in can't remember just changes because they're also small, but this one was receiving visitors from all over because of. Of the outhouse races acu know whenever I was whenever I was a kid, and I'll tell you that every year the big big event of the year in Winfield Louisiana was the forest festive and at the forest festival they had bad races. And and you would build a bed with wheels on it. And you could have three people on each side or a team of however, many, but there had to be one person on the bed when you pushed it in the race and current is very redneck fund net kind of stuff they took it seriously and the whole town got mind. Well, this that's what this is except it's outhouses, and you're not putting them on wheels and running and running them down the road. You're putting them at the top of the ski slope because they've got skis on them in they skied out about this. Sounds awesome. So each team really goes into the theme of their outhouse building, it aerodynamics and somebody has to be in it inside the outhouse rings Puna pictures of it can be a a smaller size outhouse. But yet still there is there is an outhouse element to. Yeah. They're on skis with toilet papers is the the the the person inside is trying attempting to steer a lot of them. Turn over at themes. Awesome. Now, it would have been more entertaining for me if they would have been using. Porta-john? What kind of small town? That's fun. Yeah. I knew you like that. You know, what I don't wanna say y'all predictable. But Reagan's has the exact reaction. I thought he would. And you do too. Trickles. They've created a good time for themselves. Got a little festival going generating a little bit of an economic boom for the community there at least a hundred people there. It's probably a hundred more than so that they're just having fun ribs which wrong with that. But if they use real porta Johns that had been already at a concert festival that would make the that would make it more of a more of a challenge not to turn it over and it's called the outhouse races. Yeah. Guys is ski sapphire valley's great outhouse race. Okay. Wow. Yeah. And it wasn't a very popular place with the brothers. You don't say.