14 Burst results for "Td Waterhouse"

"td waterhouse" Discussed on Bloomberg Radio New York

Bloomberg Radio New York

08:11 min | 4 months ago

"td waterhouse" Discussed on Bloomberg Radio New York

"A premeditated war of course we are talking about the special military operation launched by Putin into eastern Ukraine to the markets of oil blasting through a $100 We're up through that level just some benchmarks for you This is the first time since 2014 on the Brent market that you are seeing this level You are looking at a constriction around the energy markets What will happen next from OPEC plus and you said of course what do you have You did Euros just before I came to the bond market You've seen this quite dramatic move in years breaking 1.9% That's critically important if these tensions persist TD waterhouse say we're going to continue through there Of course the discussion today is going to be will this move will these incursions delay or stymie the fed a for moving by 25 basis points in marches is presumed but it certainly will unseat the discussion of a 50 basis point hike Yeah we're really caught my eye is what was said around the Russian entity basically looking to demilitarize the Ukraine and the moves came sharp and quickly across the border it appears and the situation is still unfolding but on equity futures and aggressive repricing the market was completely caught off guard by this latest step up the S&P 500 mini currently called lower buy as much as 2% NASDAQ Payne clearly much more significant We could see a bear market by the end of today with losses before today being in the vicinity of about 16% Bear in mind that the Ukraine and Russia play such an important role in the global supply chain for rare earth metals So think along the lines of semiconductors that are involved in the production of key gases It needs to be factored in I want to flip the board and show you where the haven play is It's not cryptocurrencies It is gold We're seeing the move to the highest level It's about January of 2021 On these tensions I was speaking earlier to Eric Robertson from standard chartered for real-time reaction He said look we called the gold on loading play And this is the moment to make your portfolios are antifragile load up additionally on some of the defensives and it is way way too early to start to start even thinking about a way to get back into risk assets Yeah the one line from one person I spoke to this morning today is not the day to perhaps make a career ending choice to go long of Russia Let's see what the Asian market reaction has been Juliet Sally has that Jules This is one of those convulsing moments of risk Absolutely man is at one point we have seen the regional benchmark index down as much as 2.7% its biggest drop in a year And Asian stocks are holding at their lowest level since November 2020 remember where we were at that point in the cycle That was also when we learned that president Trump had got COVID at that point So we are seeing quite a bit of self coming through across these markets You've got the nikkei at November 2020 lows Australia dropping the most since May 2020 even the likes of Singapore which has been one of the best performing globally as we see this rotation into value has been falling quite significantly It's down by around 3% Let's flip the board and look at where the other risk of moves are coming particularly as we look at the flight to safety that yousef was talking about we've seen yields on Australia's tenure drop by as much as ten basis points similar on the two year And of course as you would expect you are seeing the yen really lead those gains in G ten currencies We've been focusing in a lot on the specific stocks in Asia that are exposed to the tension between Russia Ukraine Russo came back yesterday that was kind of on invested bits that perhaps those sanctions by the U.S. word as harsh as some were expecting but of course today you are seeing Russell fall in the afternoon session extending those declines And we're watching weakness too in the one We had the bank of Korea leading interest rates on hold but governor Lee noting that the Ukraine crisis could have a significant impact on inflation He has reaffirmed the Central Bank is prepared to buy government bonds when needed which is something yous of no doubt we will hear from a number of central banks around the globe George thank you for the moment That's Julian Sally there Let's flesh out in our top story President Putin has decided to conduct with Russia is calling a special military operation in the Ukraine President Biden is calling it a premeditated war for the latest We're now joined by Bloomberg's John harney in Washington Bruce einhorn is also here to weigh in He joins us from Hong Kong So I don't want to start with you in terms of today's conversations that the U.S. president is having with his Ukrainian counterpart And what exactly is happening in The White House Relief Thursday morning here late Wednesday night Issued a statement condemning president Putin and the invasion And said that more punishments more sanctions were on the way And he plans to after meeting with T 7 leaders in a virtual session Thursday Address the American people about the crisis Thursday afternoon And he has spoken with president zelensky as well in the last couple of hours Bruce let's take it to you And build around that narrative the president says the world will hold Russia accountable We have a state of martial law called in Ukraine Your take on Putin's actions and how it would be perceived around the world Well Mattis one question up until now has been whether Russia would do a limited incursion into the areas that Russian separatists in eastern Ukraine already control or whether there would be a full fledged invasion across the country The Ukrainian government is saying that is now what's happening that this is a whole flesh invasion their reports that attacks from Russian attacks against black seaports like Odessa the Ukrainian government says that there are air strikes throughout the country so this is according to you to Ukraine not just to a limited action in eastern part of the country's full fledged war John I want to get back to you just in terms of what happens with the U.S. domestic conversation as the U.S. begins to wake up to this reality How much capacity does the U.S. president have to initiate more engagement in the Ukraine And how much resistance will there be for something like that from U.S. citizens Well that's a very interesting question He has certainly been preparing the American people and lawmakers over the last several weeks and months as this threat has emerged and grown It remains to be seen how people react and what and what this will do to gas gasoline prices say to inflation which is already a big problem Or received as a big problem By the general public but in times of crisis sometimes the public rallies around a president in these times of great division Will that happen Well we still don't know Okay Bruce John thank you very much Bruce einhorn John Harvey John harney with a very latest on the reaction from The White House to this escalating situation which is manifest in the crude markets Brent crude breaching the $100 barrel that we've talked a lot about on the worsening worsening geopolitical situation Let's get to Andrew James he's in Singapore on the commodities market JPMorgan say we're on our way to a $110 We've just had the reporters there call this along with Biden in terms of a war And we're breaking a $100 how do you think the market is liquidity there at this time What's the momentum.

Putin Eric Robertson Andrew James Washington $100 Asia $110 Hong Kong Julian Sally JPMorgan Thursday morning Thursday afternoon May 2020 John George November 2020 Juliet Sally Thursday 1.9% yesterday
"td waterhouse" Discussed on Masters in Business

Masters in Business

08:32 min | 1 year ago

"td waterhouse" Discussed on Masters in Business

"Work week There are no days off and it's five months season so You need to be need to be able to understand people. You need to be able to motivate inspire. You need to be able to discipline. You need to be able to incent You also need to have a very very well thought out strategy that would handle contingencies in terms of your opponent's what happened but you have to be able to simplify that strategy north execute so when football us about eleven people at once with zero era In the business world there are a lot of firms. I think that don't maximize their potential because it sounds like a grandiose strategy but if i simplified enough to really truly be able to execute so you take all those things together And whether i was talking about football talking about the business world They would really be the same principles. These crystals. the only thing that's different barry is the product. The product of football is very different from the product of finance but the principles behind running a good business you special business being a good leader and each really. The same makes a lot of sense to me. I recall all that merger between datek online and td waterhouse. I was on a trading desk early in my career. And i have a vivid recollection of my former trading buddies. When i had been by that time. I was already off the desk. Kind of freaking out about the merger. Tell us a little bit about who datek was while you're running. Td waterhouse and what that experience was like going through a major merger. I was two thousand and two. So i've been there almost a year and we had gotten our at straight and The first deal we did actually was national discount broker and they owned by deutsche bank and we paid a hundred and fifty four million for them but we had no cash so we had to do the stock when we worth about seven hundred million. And if we had not gotten that deal done right would have gone out of business and With the day tech deal we were. We were losing money. They make money. They were by far biggest competitor. They were taking market. Share from us and Frankly they would when they wanted to do something strategic and they put together that the the the the memo of details associated with trying to do something like that. We didn't even get that and they weren't interested in doing something with us. So i figured out who the who the leaders were they owned by private equity three dominant ones with ta and bang shiver. Like and i actually khuda boston. Private room with steve pagliuca. The guy vein and kind of work things out a little bit on the back of a napkin. The next day i met with their board and then shortly thereafter i met with our guys and then eventually they figured out but again once again we didn't have any cash so we had to do it for stock so this was a fifty fifty deal so we pay one billion one fifty for them when we were working bill. You want fifty and again we shoe that deal up a guy who had a business but we had a home run with any bait and we've got a homeowner data and we delivered above and beyond what anybody so we what right so after the merger. You're now the biggest online trading firm. At least if we're going by daily volume what are the challenges of running a big technology company essentially in that space. So while when. I got to ameritrade wild. You know we were really struggling from a financial perspective. One thing that That i thought ameritrade very well in the nineties was when they went public took a lot of that money. They poured into marketing and imported technology. So i was aware of that before. I took the job. So it's a need. I don't frankly. I've been much about online brokerage. I didn't know much about technology. But there's nothing new in that. But i do to business and it had people around the all new global things so i think with technology. I think you've got to be aware that you've got to be religious with your fervor in terms of making sure that you're staying on top of how can we break down. What did plan what's going to happen. There's a lot going on how we're gonna be able to do that. And you know we need the right people in leadership roles and we need to make sure that we knew it was a real commitment on measures part and they said we really wanted to finance search. Really a technology firm and financial service rap. And as long as you got your priorities straight. That show only helped us out significantly over time so given that you aren't an asset management shop. You weren't charging fees based on what what is the revenue breakdown look like you know in between the dot com collapse and the financial crisis. That's about as modern era of online trading. That's separate from from today's eras. I can imagine what were the revenue. Sources was it. Strictly execution and trading were and some margin loan lending or was were there other lines of revenue. There are basically three ways that i think could from to make money with regards to at least within two. It's trading i is the commission you charging and the second one would be the The way you manage your assets which are the assets on the balance sheet. You know what do you do. Those assets the best of. How do you handle that. That became a big issue of two thousand eight. Of course the second and third way. We pay me florida flow. So there'd be the three ways in effect that you can make money back then. Back then the dominant the dominant Our dominant revenue stream was portrayed and out commissions. Now in your mind when you're running this company and trading is sixty. I remember before the schwab. Td merger and we'll talk about that later. I remember reading that something. Like fifty seven percent of revenue. td was trading was a much smaller percentages schwab so became easier for them to drop the cost structure but in your wildest imagination. Did you ever suppose there would be a time. When trading would become free. Well you know. I think the I think trump schwab's book he. Actually i think predicted back in the early nineties at some point in time. That might be might be free. But i think from a business perspective. I talked earlier about you. Have to have a thoughtful strategy. That handles contingencies down the row problems issues pop up well. There was no question you you should look at the history that know the Fees commissions were being squeezed and squeezed and squeezed and they were just going to continue to go down so we always believed that there was a shot that one day they may be zero commissions and we better be prepared for that but he didn't wanna waste all of our time on active really had businesses. But probably i'd say pretty much. Every board meeting there was some discussion. I'm almost every board me. There's some discussion about like what's going to happen. If we wind up commissioning one zero and Then eventually of course we got zero. I think we got there faster than anybody anticipated. When schwab decided they'd be cut commission zero but But there was always that we always that was that possibility in my head. If i had to guess. I would have guessed. Probably that happened in two thousand and twenty five. So i'm trying to think back to what it was like then and i'm only imagining these board meetings. At what point do you look at margin pressures and say we have to continue to get bigger. We have to continue to get more efficient and we have to be the best user of technology of anyone otherwise our businesses at risk. I think from the very beginning. That was the principal. And i think that also the reason part of the reason why i thought it was so important to to lead the consolidation in the industry was because you wanted scale but i think the best answer to zero commissions is a real quality asset base so the focus on being able to gather assets also became very very important to us so the consolidation helped us help that. Help us with synergy celtics with scale. Hell only help that. Profit margins allowed us to grow market share when we purchase data ameritrade what..

one billion fifty steve pagliuca datek fifty seven percent deutsche bank five months trump two thousand about seven hundred million zero commissions fifty fifty deal second today zero one ameritrade early nineties sixty a hundred and fifty four milli
"td waterhouse" Discussed on KNST AM 790

KNST AM 790

02:45 min | 1 year ago

"td waterhouse" Discussed on KNST AM 790

"The registered investment advisory and a broker dealer registered with the SEC members of specific and members. Of Fenway on the show. We talk about different types of products strategies. And we also talk about different ideas. Concepts. Everything has risk. We highly suggest you understand those risks. Prior to investing. There's all types of risk out there. Right now. There's interest rate risk is market with evaluation risk. And there's Commodity risk. It was being out of the market. There's so many risks and where do you go to make any money? The biggest thing you have to realize that you have to do something. To have your money work for you. We've done that. And over a period of time. But like every other top of the market that we get close to The investors become speculative in nature. And everyone thinks they can do it on their own and be able to make a lot of money on their own and be able to go ahead and Make thousands of dollars tens of thousands of dollars by just buying some stock that someone told them if they see Oh, that's hot, not knowing anything about investing allocation, their understanding. There was so much risk and all that it's unbelievable. And obviously game stock has brought that to the forefront. And then the AMC and whatever the rest of them are I'm not saying you can't make money doing that. What I'm saying that is not investing. This is reminding me. Of 1997 98 99. When I kept watching The commercials. And I believe it was TD Waterhouse. I'm not. I'm not positive, but I believe it was And then this is Mom. Taking the groceries out of her soccer mom van Bringing them into the house from ones over there. They sat down have coffee. You put the groceries down, she said. I'll be right with you went over to the computer. Hit a few buttons came back with a smile and said, Oh, I just made $1000. I'll never forget that commercial Because I'll never forget what happened in 2000 and one Obviously 2000 and eight 16 4020. 2000. 21. We are now. Why we're still standing is because we've gone through every single downturn from 87 on we've invested through it. We've we We've been able to get through it and move forward. Every time we've gotten better. Lot of you heard us talk about our protective strategy..

$1000 SEC thousands of dollars TD Waterhouse 98 99 2000 AMC 1997 tens of thousands of dollars eight 21 Fenway 16 4020. lot of money 87 single downturn
"td waterhouse" Discussed on News-Talk 1400 The Patriot

News-Talk 1400 The Patriot

05:43 min | 1 year ago

"td waterhouse" Discussed on News-Talk 1400 The Patriot

"Thank you for tuning in and making us a part of your weekend. I am Brian Kurtz, president of a I. P financial services were over on the northeast corner of Square. Lake and John are that's 19. Mile and John are For you. East Siders where we are Construction barrel free one of the few places in Southeast Detroiters, southeast Michigan. That is construction barrel free. We had all of ours rebuilt around us last year, if you remember so you can come see us without any Difficulties in doing that. It's Father's Day weekend and I hope you're out shopping for your dad will be getting together with the family and I imagine you'll be doing the same. We have a good show lined up for you. I've got a very special guest will get to your interest rate update about 9 45 or so give you the highest interest rates available anywhere in the nation. On your short term CDs and fixed annuities, and we'll answer a couple of your questions at the end of the program as well. If you like your question answered, live on money matters, please email it to me. That's the easiest way. The email address is Brian K. B, R I A N K at a I P financial services. Dot com In the in the intro to the show, the little disclaimer there. It says that investments in securities are offered through Brookstone Capital Management and SEC registered investment advisory company. Brookstone is also the presenting sponsor of The closing Bell market report that I do every single market day at 4 30, on the other end of line with me this morning is numb is none other than the CEO and founder of Brookstone Capital Management. Dean's A Good morning, Dean. Good morning, Brian. Pleasure to be here. It's good to talk to you again, My friend. I was surprised when we were chatting before we went on the air that you didn't give me any crap about the white sacks being in first place and the Tigers. That being toward the basement, so I'll give you the opportunity to do that on the air. Go ahead. Well, listen, The best record in baseball speaks for itself. Right, Brian? I mean, when you have that you've got to you got to exercise those bragging rights. While you have because you know that that could be a a short term thing. But yes, the We kind of thought the White Sox rebuild would come to fruition over the last couple of years, and they have such a great young Talented squad and the pitching and hitting. I mean, despite some injuries, it is an exciting year. And like you with Detroit, we are season ticket holders here and so enjoying the great weather and the phenomenal team so far. Well, and you, you have a built in conflict. I've told a few people about right because you're a White Sox fan Brookstone capital being on the on the outskirts in the suburbs of Chicago, But you work with TD Ameritrade. That's our custodian. Those of you who are regular listeners and clients know that we were with TD Ameritrade, and they are still part owner of the Cubs, are they not? That is correct. The Ricketts family that own to the Cubs completely and they were part of Ameritrade that merged in with TD Waterhouse. And so yes, there is a conflict, but I will admit this. And I wouldn't tell my closest sucks Buddies fans, But when the opportunity arises to sit and they suite at Wrigley Field, compliments of TV Ameritrade because we're a great partner to them. You know very tough to turn that down and the whole Wrigley experience, you know, Despite the Cubs is pretty special for Chicago. The Wrigley Experience is pretty awesome. And what impressed me the most when I came there. To watch the Tigers sweep the Cubs a few years ago was the condos that are, I think it's Waveland Avenue. Um, the condos that are along the right field in center field sides right there outside of the stadium. Those people can do whatever they want, right? They're not inside. But during the national anthem, everybody in the bleachers on the condos is standing with their hands over their hearts are saluting and It's like they're right there in the stadium. Yeah, that is right. That's the way they build these buildings and these rooftop decks that really it's a special experience. I've been up there a couple times, actually. And you can see the entire field yet. You're in your private rooftop. You know, experience so really unique stuff. Yeah, that's pretty cool. White talks have the best record in baseball while the standards have come down this year, anyway, Um let's talk about the market. I was noticing that the last time I heard you on the program was March 14th 2020 that was Literally. The Friday marched March 13th of last year was a Friday and then the 14th was the day that pretty much the whole nation shut down, Dean. As as you know Carlos Diaz. When I talked to him a year later, he said, Brian is has anything happened since then. So yeah, what's what's what's going on What's different now than it was 15 months ago? Yeah, This has been, you know, absolutely once in a lifetime experience for for pretty much, everybody, all of us together to see the pandemic For one thing, right? That's a medical or health scare that happened. We all know. And then that obviously trickled into the world economy with the shutdown and that trickled into the markets and had an unprecedented 30 plus percent decline in 30 days. You had limit down orders on a daily basis, meaning that the stock exchanges were remember last March. They were basically limiting and shutting down the exchange for minutes at a time to prevent the market and going even further down. So these are limited. They put in there to try to control that mass panic that happened in the selling so Otherwise, you could have had a a black Monday type 1987 experience.

Brian Kurtz Brookstone Capital Management Brian K. B TD Waterhouse Ameritrade Carlos Diaz White Sox TD Ameritrade Brian Chicago Brookstone 30 days Wrigley Field Waveland Avenue SEC March 14th 2020 Tigers last year March 13th 4 30
"td waterhouse" Discussed on KNST AM 790

KNST AM 790

06:47 min | 1 year ago

"td waterhouse" Discussed on KNST AM 790

"And they have to go ahead and cover or bring in more money as the stock price kept going higher. So you got a you got a perfect storm there. Shorts have to cover, which means they have to buy the individuals of buying, which of forcing the stock up. There was no start to be available to go ahead and short and bring it back down, so the bottom line is You had this explosion in this stock. As a stock tip going higher and higher. And you've got to remember the people that were really buying this stock. Robin Hood will buy and one share five shares. 10 shares 50 ships, They won't step it up and buy in thousands of 110,000 chance of stock. It was millions of people buying stock around the world. It wasn't just in the U. S. You read the threads they were saying, Okay, Australians, your turn. Okay. Germany, Europe. It's your turn. Everybody around the clock was buying this and holding it in there. So the shorts Couldn't make money. So when you look at this, this was in a a play. I'm going to invest. I'm going to make money. If you read the threads, most of the people who were I don't give a dawn. If I lose my money, this is us against the big, bad Wall Street. This is us finally getting our hands on something and being able to put them in the pain that we were all in in 2008 and so on. So this became basically a war between the hedge funds. The brokerage firms. And Individuals. The individuals one the populous one. And if you think about what's going on in our country right now are basically the world. The younger generations have started to pick up on things and deciding that they're taking control. Some things. We agree with some things we don't. We're going to just stay on this for right now. I do not understand on any level. How the brokerage firms and Robin Hood was number one. And then you had some others like TD Waterhouse, and and, uh and a few other online traders that did not allow people to buy the stock and they and they were only able to sell the stock and The guy got on from from Robin Hood. The CEO is 33 years old. I gotta be honest with you. He looked Like a guy. And I wanted to punch I'm on the side of the professionals. I get what's going on and I'll get there. But the way he explained things Knowing what's going on. He wasn't telling the truth. And when people don't tell the truth. When they say I'm doing this to protect my inventive protect clients from themselves. And that they're also going ahead. And, uh, protecting the firm. I'll take this one on the firm and then he said, don't know what fine. Meanwhile, the club they had bring in billions of dollars in order to keep the deal going. Keep the firm because we have capital requirements. We have all those things and I get that. But they stopped trading. They told people that couldn't trade And about 13 stocks. And these all stocks would be insured it now We're just going to concentrate on game stock. This. Do you have you have all the stock that's out there say I don't know. I'm just gonna use uh you know, just numbers, okay? Say there's 100 Million shares of Game stock available. The people that was shorting the stock was shorting 140 million shares, which means they were shorting more than the actual company had shares. They were putting pressure on that stock to go down. But the students there was got to the point that they could go out of business. They started crying foul play, and they wanted things to happen with people couldn't trade and buy that stock anymore so they can go ahead and get their money back. I call BS on that one. Because at the end of the day Wall Street those supposedly what wish they're taking. It's not. The trade is false that the individuals for that's not the people in the chat movement of red it's and around the world that a buy in that stack that is squeezing them. Fuck. It was their fault for over exposing themselves in over allocating themselves feeling like they could make money. They screwed up the money. They met the hedge funds. Messed up. And then you heard the You know all the pundits. Well, you know these hedge funds investing for the average individual. They've got the California pension plans. They've got fireman. They got policemen They got You know what The people that allocated the money to them. That's a risk when we lose money. I can't go get money back. I can't tell people stopped shorting that stock. Don't let that stock go down. I can't do that. If I'm in in the stock, and it's going down, and I'm investing, I lose money and I lose money for you. Our clients. If a stock's going up and ruin it would make money for our clients. But I also know you allocate. I also know you don't put that much percentage in one stock or one industry. You have an allocation process. And if you're taking a wish you gotta hedge and you keep that allocation, whether it's bonds and stocks, so individual companies or whatever. We learned his lesson waiting back with anyone. Do not put that much money in one stock because anything could happen. But you know what The problem is, who is no financial literacy. There was no education. There is nothing to teach people. I applaud Robin Hood for coming through and coming up with something for the little guy for the individual retail investor that we haven't seen in the market for over 20 years. I'm happy that there But now on the other side where I've been hurt, you just let him go ahead and do it. They want to buy a stock of $300 and watch you go down. The 100 did not know what to do with head more than lose, That's their problem. Stop thinking you are God. Stop thinking you are the government. You all have to stop thinking that we the people are dumb. Because we the people are not dumb. We the people are actually more intelligent than you think..

Robin Hood TD Waterhouse Europe CEO Germany California
"td waterhouse" Discussed on The Erick Erickson Show

The Erick Erickson Show

03:31 min | 1 year ago

"td waterhouse" Discussed on The Erick Erickson Show

"Seven three seven four to five We got to begin. You know a can. I just i let me comment on this. This is not to ruffle anybody's feathers our promise. You this I i know the sensitivities these days etc etc etc etc. But i got a serious point. I wanna make your as suddenly. My computer opens like every file on my desktop. And i have no idea. Why no okay seriously. We have subjects now that don't involve donald trump and i've noticed this morning for political for example you go to politico and almost every story that they can possibly have is a trump angle almost every story. They've got has a trump angle and yet here comes a story this game stop. Amc robin hood story. There's no trump angle to it and you can almost sense that some members of the media are struggling to do it To to cover the story. I mean i'm not joking so i went to politico which is increasingly. We now know moving left and there are multiple stories on the front page of political of above the. Fold so to speak when you first open. What's your monitor displays of Let's see there. There's a trump story. There's a trump story. There's a trump story. There's a trump story. There's a trump story. There is a trump story. Scroll down a little further. Trump trump trump. And and you know what's what's not here is. There's not a major story on the robin hood situation or game stuff. Situations trump trump trump trump trump trump trump trump trump trump trump trump trump trump covid govan govan trump trump trump came. Stop the it's fascinating watching some of these outlets This is the biggest story of the week is not about donald trump and the media doesn't know how to handle it. So there's there's more to the to the game. Stop robin hood story. We've talked about game. Stop we now. Need to talk about robert now. If you listen to this program you know. I've been out linked so people can get robinhood accounts. I use robinhood. I've got a td ameritrade account. I had it back when it was. Td waterhouse. i've had it for gosh more than twenty years. I've had a. Td water traded in td ameritrade account and last year phillips. Said you know you should try robin hood. And so i did. I tried robinhood. Robin hood has has such a great web interface. Td ameritrade is very technical wonky. Robin hood is very straightforward. Here are the the the most popular stocks. Here's what people say about them. Here's their earnings. Do you want to buy and a lot of day trader types have been using robin hood. Because it's very easy you can connected to your bank account. Say i'm sending you a one hundred dollars. Robin hood and robin hood than in there. We'll let you buy.

donald trump Trump one hundred dollars last year five ameritrade phillips trump more than twenty years first Seven this morning robert four waterhouse seven Robin Robin hood Amc robin robinhood
"td waterhouse" Discussed on Shares for Beginners

Shares for Beginners

03:54 min | 1 year ago

"td waterhouse" Discussed on Shares for Beginners

"There are platforms out there which really done kite into begins they have rightfully H is but when you first nodding out, you want something that's intimidating someday. MRIS news. Good I, am welcome back to Shays for begins on film mosquito. How do you buy and sell shades? It's a very bicy- question especially now that so many options becoming available. As you've heard on past episodes, it used to be via landline phone and paper documents. Then it went online in the ninety s now, you can invest on your to us of choice. Joining today is Robert Francis Good. I rub it ahead good morning good morning. Robertson managing director of a Toro Platform that aims to remove barriers and make online trading and investing more accessible to the everyday user. It's also about zero fees, which is quite exciting. We'll find out all about that. So you worked in Komsic, which is year traditional original online broker. How was that? What was it like working there? You're in the options yes. When I when I first started, it was on the Shea. Breaking side homesick was very small. It had just begun to dominate the market I spurs we're in a very small office. and then as it grew. I worked there for about a couple of years and then I went to a rival company called td waterhouse owned. by Td. Bank. And there is where I got involved in options and I ran the option this over there well. COMSEC this onto by tasty waterhouse. I, think my paid something like one dollars four. Because TD bank were looking to get out of Australia. Realizing that Komsic Khanna dominated the whole landscape at that stage and I was offered the opportunity to go back to sake and run the options international trading desk over there..

td waterhouse TD bank Shays MRIS Komsic Khanna Robert Francis Komsic managing director Robertson Australia
"td waterhouse" Discussed on The Erick Erickson Show

The Erick Erickson Show

06:07 min | 2 years ago

"td waterhouse" Discussed on The Erick Erickson Show

"And then we got to twenty sixteen in everybody. told me we gotta we gotta do we gotta do we gotta do it I didn't think trump could win and he did. But what's he done obamacare? Still the law of and we we haven't changed obamacare. We still we we've got a Supreme Court with trump appointees who've recognized transgenderism is an employment discrimination issue. And now we're getting to twenty twenty years. You've got to do it what what we're this is this is this is it? No, no, the the the world already follow we live in a fallen world already anything that Joe Biden does is going to do through executive order is going to be undone for listen I'm GonNa vote for trump. But I I'm I'm tired of manufactured existential crisis. You know the existential crisis in this in this country is the existential crisis of this world we live in a world that has abandoned the things of God society itself was followed apart and mainstream cultural is embracing deviancy while shaming people who are normal that's that's what's going on and that's been happening and it's going to happen and I've read the end of the book. It's GONNA keep getting worse. There's no way for you to turn the tide except to put. Your faith Jesus Christ and one day come back and you're already on the winning team. So there's no reason to be exasperated by eight and the world is going to hell it hand ask what I've read the book it is going to hell in a handbasket and it's predestined to go to Helena handbasket and you yourself can escape the exile of this planet by faith not by voting for any politician. So excuse me for not whipping myself into a frenzy over the two thousand twenty election I'm already on the winning team. But this sort of stuff, Shoulda Paul you and the fact that it doesn't appall enough people is indicative of the fact that revelation is right. This world is going to burn. And that's actually the truth. And it's horrific and it's appalling and we should be in since by it and I'm glad people are speaking out on the stuff. But Man, I just i. read stuff like this and I think what? Scriptures telling the truth you can just see how it's shaping up. You know I keep telling hill, I'm gonNA give I promise. I really am I've been working on a sour dough starter believe it or not and I found one that I finally like I've decided to kill my regular sour starter because nobody in the family wants it and it's good. It's good sour dough bread nobody really wants that's our to i. found a sour dough recipe that's actually really good amish. Friendship Bread. Potato Flake sourdot. Sounds confusing and horrifying. It makes the best bread is actually the one that my mother-in-law uses and and I'm I'm excited by this recipe and and now every weekend I can make bread and it's fantastic. Okay. We got other stuff. We've got to talk about I you know I wanNa see if I can get Chris Burns on here to talk about Robin Hood with. Me Robin Hood the APP I may need to see if I can get him on my evening show this evening to talk about this in in. Find me something other than the Democrats talking about eighty s I'm fascinated by this grover norquist I. We talked about this in the first hour the robinhood. APP. If you haven't heard of this I, I got I can get you discount. Code for the ROBINHOOD APP IF YOU WANNA use it but it's a it's a stock trading nap but I've noticed that it is an APP that induces you to make trades like I've got a ameritrade account edited. It was td waterhouse. Now it's Td Ameritrade and they never bother me. It's when I want to trade I go and I make trades, and I'm not GONNA lie. y'All one of the things that I started by it I decided I was going to profit off all of you and your sins about six months ago I was talking to a buddy of mine and I just decided you know what? I'm going to buy some stocks of these companies now that you can via the stock exchange that are building out the legal marijuana industry. Because they're all like ten cents and you people are all a bunch of senators and I live follow world and so do you and I know how this thing's going to go and so I figure I'm going to get rich off other people because you know you can't stop the title legalization at this point I mean it is spreading around the country. It's crazy watching how quick this this wildfire is burning, and but I I've done some of that through my military but I've got stock at Disney and Apple. Have Stock in facebook. I've got stock in a Bank of America into Novus a friend of mine who invests for me and I just send him money and let him bite stuff for me He's a great guy and what I am amazed by the with the Robin Hood App, and some of the other things that are coming along is how they're they're trying to induce millennials in particular. To buy and it's not to buy and to build wealth it's to buy and trade rapidly almost going back to the days of day trading through these APPs and the only real witter here of the APPs not the millennials and the e who were using these APPs and it's Algorithm ick based purchases. They send you a text message. I got got a text message right now from Robin. Hood what? have is up it's trinite up looks like it may church. Should you better by a little because it's going up? And that's the whole The ALGORITHM MIC way of inducing people to spend their money is something I'm increasingly fascinated by and the bankruptcy five dollars at a time on subscriptions is the other thing because good gracious. The amount of subscriptions I realized I had that didn't even realize I had different newsletters different APPs on my phone different TV services through through my apple TV just one little subscription. I'm paying a lot of money every month you know that's one reason I. I love the folks that dynamic money this as an actually net for his wife WanNa have Chris birds onto talk The folks that dynamic money my wife and I used them and they actually have. As part of you using them, they can go through and analyze all the stuff that did you know you're spending one hundred, fifty bucks a month in subscriptions no I had no idea and you go through it was like well, I haven't used this in forever. Why am I still paying for it and they help you get rid of it in save you five dollars here five dollars pretty soon you're talking about hundreds of dollars a month that you're saving by the dynamic money dot com..

Robin Hood obamacare Chris Burns trump Td Ameritrade Supreme Court Joe Biden grover norquist Helena handbasket facebook executive hill Disney witter marijuana Bank of America Wan Apple
"td waterhouse" Discussed on Bloomberg Radio New York

Bloomberg Radio New York

07:41 min | 2 years ago

"td waterhouse" Discussed on Bloomberg Radio New York

"Bloomberg daybreak. Middle East Our top stories this morning as US sets another record for daily Corona virus infections. President Trump wears a mask in public for first time since the start of a pandemic. Markets continue to push higher but beneath the relentless rally waves of anxiety. Our building is a correction coming. Nina by government announces a new set of economic incentives as city continues to fight off the fallout from the Corona virus, with SNP Global warning the colony or likely suffering significant shock this year. In a stadium across the Emery. This is daybreak, at least on using anything to Dubai on my management right alongside you said the bonds in the equity markets tell us very, very different stories. But there's a boiling bubble of angst in China have a look at this. A trillion dollars in stock valuation was added last week in China. The questions run hot and hard. Are we running the risk of seeing 2015 play out again. We're $5 trillion crashed off the market. Well, the regulators and the voices of regulation or at the China Economic Times. It's a crazy bull market vacation tells China mutual funds cap the size of your new funds and the foreigners. They bailed on the munificence of this rally. They've done 4.4 billion yuan last week night. Is a melt up mania in the equity market. My Nova, Grant says. We're in crazy times. We'll hear from him in just a moment. But the bomb market is telling you something very, very prescient. 10 year Bonds lost the 100.6 handles. Last week, This six pack disappeared. The 5 30 diminishes sub 100 for the first time since May, There was a rich regeneration, a real adrenaline shot federation and the 30 year paper sales. And TD Waterhouse saying Look, bonds are what you want to be. If there is any vulnerability in this market, and Morgan, Sonny, say way might not get out of this morass for some time, and therefore you want to be in Bonds. Yeah, not everybody would subscribe to that view, especially if you look at what happened in the U. S stock story over the last five training sessions, the strengthening prospect of ineffective Corbett, 19 treatment Helping the second straight weekly advanced 1.8% in over five days. You compare that with a 4% incline for the tech heavy NASDAQ, BNP suggest that the second stock bear market is unlikely despite the short term risk their writing that investors are position for a correction. You've gotta record money market holdings, but they do expect the institutional players to start using those dips. To increase equity exposure because they've largely missed out on the initial rally. There is a risk, though off sector rotation cause value typically up the forms of this kind of scenario. Let's flip the board get into the Brent crude story or energy in them or broader perspective because we're counting down to the July 15 day that is the key item on the agenda in terms of the JMC OPEC plus coming together. Reviewing the strategy, and the suggestion of signalling we're getting is that there is a sense that a gradual easing of production curves is what is necessary. This is going to be an online meeting will also had some OPEC date out from the IAEA report on Friday. That's important to factor in there. Let's talk about the virus. I continues to search in hot spots across America, with the U. S setting yet another record with over 71 thighs in new infections in one day. Resident, Trump finally wore a mask in public for the first time since the start of the pandemic. This isn't a visit to a military hospital, marking the turnaround from his firm refusal to be seen with one markets continue to shrug off the fears, the S and P 500 as we said, climbing 1.8% the NASDAQ gaining 4%. Over the past week, but waves of anxiety are building longtime money manager Mike Never Grants One's the market is on hinge from reality and that small investors should get right before it crashes. This is a bubble serving the text face down. Greenspan's issued those words I don't think j pal be saying I'm giving that he wants to market higher. But you were kind of unhinged from reality in a little way here, right. The economy is grinding, slow slowing down, and we're lurching in and out of Cove it yet. Tech market makes new highs every day. Tesla's up 10%. That's a classic speculative bubble. Luciano generally is the head of investment strategy in Abadan Commercial Bank at Janet. Always greater Where this get to you with us. Is the market on hinged, you would say in the tech Area. No, it's not. Why do you disagree with Nova grants on tech? Well, if you look at the 2000 dot com bubble. Then you know you're leaving Cos They're being Enablers off old economy companies. And with the consumer not having significantly penetrated. Having been significantly penetrated by new technology by by everything that the Internet has brought over the last 20 years Now the consumers, of course. The bimbo. Ah Oh! Ah developed market economies. Now that reality has being has been penetrated, so we are having a situation where the real economy Is being effectively disrupted by the tech sector, which was not the case 20 years ago. And so I don't want to say dead. Yeah, so you would say, you said Yes. So just two flesh that out a little bit more Luciano because he also make the point that as much as the NASDAQ is Tech heavy, you know, in the last the last bubble in the subsequent crash. It was a lot heavier back then. So about 3/4 off the index was tank. Now you're saying we're down to half of that? I mean, if if you are saying that there's a structural shift in our understanding ofthe what kind of values being Anna, does that mean you are still buying into The NASDAQ playing right now you're willing to pick up Yeah, I mean, over over over over 12 months arising. I mean, I'm off course you know the order for the next three months. I would be I wouldn't be. Ah, still concerned off course. And over over over a longer term allies and I still see I still perspective because we are going to see, you know, rebound the normalization of economic activity over 12 months or eyes. And Yeah. Therefore, I think that you know, gradually buying into it still makes sense. But I You know, I that I that could be lost, making over over over over the shorter arrives and it's very difficult to time. The market. It is important to notice that the market lost. We've got a bit of re balanced. With technicals again losing out and the the growth stopped doing better again. I remain bullets over 12 months arising but in the short term, needless to say, there are there are there are concerns. So I would not buy area. Okay. Over the 12 months horizon there is this issue word which suck. Jenna put a note on over the weekend ketosis. They talk about volatilities. They talk about.

President Trump China Luciano Dubai US China Economic Times Bloomberg Emery OPEC Nina SNP Global TD Waterhouse ketosis Tesla Grant Corbett JMC America
"td waterhouse" Discussed on DeaconLive

DeaconLive

05:44 min | 2 years ago

"td waterhouse" Discussed on DeaconLive

"Iran has defined involved his process for planning with future in mind so with all the doors opening and worrying about your business taking off once the once the economy gets back on their feet contact. Rt PLANNING STRATEGIES DOT COM since one thousand nine hundred. They've been business so check them out as oh so i. I'm ready to get back into the gym. I'm ready to go down and play some basketball. That's the only thing my wife. The planet fitness thing. I can't I can't do it. I can't run on the treadmill anymore I tried. I tried to try to my wife. She's doing the whole thing she likes to do that. Why say it's hard? You're at home all the time. But she likes to gear her meals towards the whole thing. I just kind of watched my my bread and carbon tank which is hard to do when you're trying to eat cows zone homemade cal zones but I decided you know what I'm GonNa. I'M GONNA cancel my membership at planet fitness. And I'm going to go to the guy. I had a hard time with over the Aquatic Center here in the local area. And I'm going to go over there. And that's the only way I'm going to get cardio. The cardio that I want is playing full court basketball. I love to play with magic for a while on the practicing. Blamed me wasn't a no. It wasn't on the magic. I was on the practice team and we used to play at the YMCA just outside of the Orlando arena the TD Waterhouse Arena or whatever amway arena. Whatever it's called now he was the td waterhouse at that time. So and I lost I mean within months. I lost a lot of weight so I've always always played basketball in one shape or form. I can't play on concrete my knees swell up my ankles. I can't move them. They'll be like concrete. I'm so I'M GONNA join their forty dollars a month though. Jesus Christ. I just wanted to play basketball. I just want to play basketball and lift the weights but I guess I'm going to suck it up and do that in move some funds around. I can afford it forty dollars a month. Jesus it's like what four hundred eighty four hundred eighty dollars a year. I don't know no math. No Math Speaking of math you know a lot of people have taken advantage of the whole. Get your stuff delivered at home now. By ALL MEANS PIZZA. That's always been a takeout but this new door dash and everything. It's a different entity we haven't we haven't done here just because we're out in the middle of nowhere and we can't find people to deliver to us not that we need fast food. We don't eat fast food here at the French the only time we ever eat fast food essay fast food. We always go out to a sit in diner. We go to our local Mexican place we go to our local southern roots place. I'm so we liked those type restaurants where you can get a beer too and has some unlimited nachos or some kind of bread or something carbs carbs carbs carbs. But this guy right here. This domino's employees. I don't know if you've seen this yet. Pizza Delivery Guy. Let the frustration. Get him over a zero tip order with the video showing that I'm GonNA show you right here in the way you do that. As goto private radio DOT COM and click on beacon. Live for repod cash. You here. There is a video coinciding with each punk ass. So you can see exactly. What's on my monitor in real time as I'm talking about this video right here shows him going off on a couple of teenagers. A Domino's pizza delivery guy. Let's frustrations get the best of him. Over zero tipped order with the video showing him going on a couple of teenagers. It was all just a huge misunderstanding. The father of two teenage tells TMZ. He was recently out of town when a thirteen year old daughter. Got Back home from Albuquerque. Called him asking if she could place an order through Domino's for a Sandwich Dad said sure. Give him his credit card over the phone. She Wound House against the order. And when the delivery ride the team signed for the receipt and just left tip amount blank thinking that the little retired was already the driver's tip so sometimes when you get a delivery charge like it'll say two dollars for delivery charge. They figured thirteen year old ignorant for on. Oh he gets a deliberate your he gets at two dollars. Don't tip them. So here's a video and this is from one of the ring cameras now. The Domino's pizza delivery guy. He's in full fatigues. He's got his black pants down. He's got his blue shirt on and he's got an actual domino's mask on this. Got The little dominoes logo on I told you cross networking social network. Your Business Right on your face. And he's got the hat on so it looks like the dumb pizza. Delivery guy puts it on the ground. And let's see. Here's the video folding. So he's waiting signs of receipt. Newsday order so he gives them the receipt they lead the piece on the ground. So you have to pick it up. I don't think he's looking at the receipt. Thinks tip whatever douchebag and he's and he's like it's for her did I didn't even order. So now he's coming he's GonNa throw bows. He's got his frigging wallet his pancer halfway. It's one of those sloppy pants workers. I didn't even order it. That's not an excuse man do showed up. It's you're that old and you're getting pizza delivered to your house. You know that you're supposed to tip the guy so the girlfriend comes out with the box. Turns back around it and the order was wrong anyway. So there you go. That's you know. Take care of your people. Don't be jerk asses especially if you're thirteen years old. She'll be orange anyways. Should make your own food like we did back in the early days farm and fields and some we'll take a little break and we'll come back with more. You know what we're.

domino basketball Orlando arena TD Waterhouse Arena Iran Aquatic Center Albuquerque
"td waterhouse" Discussed on The Bone 102.5

The Bone 102.5

05:06 min | 2 years ago

"td waterhouse" Discussed on The Bone 102.5

"These nuts the bulls but I got something in its place please show lance at WrestleMania not getting your these every time he does it he does he does throughout a small package of nuts that someone I'm blown away I had no idea such drew Grabow tailored entertainment was available to me in the wrestling yeah yeah thank you that would be such a gift if like you came out of this it's not gonna happen if you came out of this you know quarantine fog a wrestling fan don't say it's not going to happen well I just feel like it was going to happen it would have been you know wrestle mania that got you there there have been times in my life when I've actually attended live wrestling events I went to a taping at the Orlando Reno where I think Hogan wrestled the ultimate warrior oh wow yeah I brought my my little brother from the fraternity where was it again Orlando arena oh wow it was a TD Waterhouse center we sat like in the last row and I remember I think it was weird that they had some of the wrestlers wrestling twice but then I learned that they do that for some of the TV tapings at the time and I saw Hogan wrestled the war or I don't know Hogan Hogan and the warrior both wrestled yeah I'd be do you know the year I would say circa eighty nine is it possible is a little later than that ninety would have been yeah last ninety was I believe nineteen ninety I want to say those WrestleMania six there wasn't mania no but that but the ultimate warrior and Hogan had a big thing going on around that time okay that that might have been it yeah Ben I used to go to the Eddie Graham out east Orlando and I did see the I remember seeing the bushwhackers when they were the sheepherders figure blood man it might be so you don't give me this weekend do not alive loses eight years making threats I make you proud what's up man and I was just gonna give that you kind of moved out from the internet but I was gonna say you know cutting your teeth on the AOL chat rooms but are we start off with the water is what a three eighty four was the first processor that used to fill our one of the first ones you could get I think so I was just checking out like it even though it was so slow back and end up with more time than you do now because you know back then you settled on the first picture you found now you got all the time the world and you're just constantly searching for everything you know I mean yes so much available to you it does it really occurred to me when I'm oversharing here because that's always what I do because I've been without a contact for a while from anyone at all let alone my girlfriend I'm you know a man even a man of my age has needs so the other night I'm like all right well let me take this section of the bedroom and I go to my room and I realized Hey I don't have a DVD player anymore who does so I got a movie at Xbox one from the living room to my room right so I move it then I gotta remember where in the hell in the garage I put the **** DVDs along so this is the D. V. D. well yeah I mean I don't have internet on that computer on the TV in there so I got I I can't drop my phone or whatever so and and the phone screens to small I don't get the I don't get what I'm looking for for I will tell you in modern day when you watch at least meet be watched so much porn on your phone when you bring it up on a real TV it right like it's Christmas morning well I can't watch it on my phone because I grew up only being able to watch on the television and that's the the the rich picture eight it meant that I'm used to that experience right so I so I finally find the damn DVDs and I go all right here we go then I realized I don't have the remote for the for the thing so I got a like skim through scene by is there a bull and the worst part of it is what it is you know making crowds and I were a little older we remember the times when you have to go look at actual magazine like you'd have to you know search powered up although it didn't hand it right to you you and now you have everything on demand so watching a DVD is awful you got to choose between five or six teams that follow the same damn formula when now you just go online and you're like oh boom you know let those drop out orgy but whatever you you need to talk to your son so he can get you internet access on your TV in your room I probably can do it yeah what's up making just data the only thing I feel bad for all these kids nowadays they're never going to have that choice when you're riding your bike and you find that guy's garbage bag that he threw out the window probably so as white students find it bad choice of finding like a hold back for the magazine do you ever have that I did a lot not a whole magazines but you'd find like half of your not mad in the pages are mysteriously and disturbingly stuck together yeah I know I believe me they won't ever have that but I would gladly trade that nostalgia for at sixteen years old being able to push a button and have anything I want on my phone with people doing it you know all my gosh I know you know you have a young son still learned a little younger and I don't know not yet read the day when he starts finding all that I got to try to explain that all gone you know believe me was speaking from experience here my dude you won't have to explain a J. a damn thing I was use the lord's name in vain but I try to do that but did hear from the man you don't have to explain the thing I remember finding.

bulls
"td waterhouse" Discussed on WTVN

WTVN

09:17 min | 3 years ago

"td waterhouse" Discussed on WTVN

"The moving pieces of what makes a financial plan successful tune in and take notes. welcome back to managing to be wealthy on John says the man with me tonight great Constantinople's and we're talking about low interest rates and whether or not you should refinance your properties so what I would close we're talking about the credit rating companies expiry on X. Equifax it just had this done thank can't read these days. tax and trans union anything else they should think about their Craig yeah a couple things here so the big one two is when you're looking at those in looking at your credit reports not just actually looking at him but at least once a year as you you should be looking at each one of these to make sure that your credit in good standing that there is not any identity fraud this may be out there or outstanding loans may not be aware about there's one time I was speaking with someone who found out that through several other things that someone their parents had put a loan out in their name and they were technically responsible for it as a co borrower so their parents have defaulted in any way shape or form they were then going to be responsible for the payments by going through recommending that they get this report they found that they were then able to go through refinance that to be just in their parents name and therefore they were no longer responsible for it right and remember once a year you can get a free credit report and you can go to what is a credit report dot com yeah annual credit report dot com yeah right and that's all free all free or get yourself out it's really important I remember one time I was getting something and they ran a credit report on me and they said they said this one was a problem I had a problem on one of the reports and I couldn't believe that so I went to the credit report and reviewed it review to review and they had listed alone I did not have really it was not my loan so I couldn't find the person quickly enough to go get him. so I went to the credit reporting company and we talked about argued about it sent some information and this loan it was a lone I'd had like fifteen years ago. so my point is you have to review these reports as you said because there may be errors not just fraud exactly there may also be errors on this kind of thing so check your credit if you're going to refinance they're gonna want to know yeah and then where can you go looking for these three a new loans yeah so you want to be able to look at a number of different lenders you know right now we've seen at least in the past that some of the other big boys that are out there so the bigger banks they may not necessarily give you the best financing rates so if you have access to a local credit union maybe a small local bank that may be more of an incentive for them to secure your loan give you even lower of an inter straight or possibly try to create some negotiating tactics with the closing costs and what may or may not be covered there right and as you said earlier your own lender may be willing to refinance absolutely so don't overlook them don't say I've got to get away from these people so when you do re finance though remember there are charges absolutely I alluded to earlier and these are called closing cost and they can be as high as two to three percent yeah I mean we're talking about a big sum of money sometimes yeah yeah they got a hundred thousand dollar loan that's two three thousand dollars right for what. ruffling paper were exactly I mean I'm sure you were a little surprised when you went to your closing number ten thousand people and forty pounds of paper all the forty pounds of paper there there is only six of us in the room so thank goodness for that. but yeah I mean if they go through in line item everything in because your refinance you have to re list the title so a lot of times the title insurance and filing the title that's usually the biggest expense or you're looking at all this. some of but yeah you know there's also going to be the things just like when you first secured your mortgage so making sure that the property taxes are going to be paid making sure that the loan paperwork is done correctly those are all fees that add into everything that you just described as a closing costs okay so you have these closing costs now what do you do that you could pay him out of your pocket so you know you just put write a check out for six grand because you have a mortgage that requires that much of a closing costs or you can add the closing cost to your loan and a lot of people are anxious to do that assuming they have enough equity in the new loan but there are a couple challenges with that one of the challenges is when you add that to the loan it changes the balance of income and payments and ratios and so on and so forth and they may kick you into another category we're by the interest loan you thought you were going to get is in there now you have to pay a higher interest rate because your balances all changed out and the so be aware that kind of stuff check the bounces what you might do exam you may have mentioned is go back to the person at the closing and mention to the lender look can we make a deal here let's you pay some of this and you know so I don't have to added in there comes out of my pocket out of my lawn but as a result I don't get all this other stuff so my credit rating doesn't change so you want to be aware that an endo when we're talking to people who are trying to get loans they're kind of angry at us for awhile when we tell well don't get any new credit cards yeah don't add to your credit balance at all I know you want that new whatever his car don't get it for now yeah just wait until you close because all those things could change everything absolutely so be aware of those kind of things so you don't want any the interest rates or whatever to be changing so pay attention to that okay yeah they don't get the new credit if you if you we have to realize that before the lender can improve your loan. they're gonna want documentation documentation documentation and you know it's getting worse yeah my goodness gracious when we started opening brokerage accounts for clients in the old days you know we had one form yeah one form you fill out forms ended in the broker swab or TD Waterhouse or whoever was but then open the cat everything was co pathetic nowadays what we have to fill out I mean it's something like twenty six pages of forms word processing legalese all that kind of fun stuff just to get the darn account open it is and I recently I was re doing the insurance on my condo in the keys thank you lord for Missy my condo and as I was doing that they started sending me the forms for the application yeah okay so I'm thinking hard application you know just fill this out there were there were eighteen pages on the first sand and twelve pages on the second sent in you probably read every single line word for word right I did I memorized so I can spend about it to those people but the point is the because of nine eleven and other things going on the security issues are imposed on everything we do today so don't be surprised. you see all the paperwork that you may have to do this time that you didn't have to do the first time yep as there is more and then I think we mention the next thing is you wanna get a prey and appraisal and you can go to Zillow or whatever happens to be I was happy to find there was a random appraisal outfit on the web really yeah and so I just arbitration what the heck out of you know having a look at my house I just they're not going to come out or anything you just yet given the address and the fax number where and they did it and they came in twice the appraisal rate anyone else so this is the third well you just better hope that the auditors Wesley doesn't get a hold of that. yeah I'm sure I'm not going to use the so okay in some people re financing for the purpose of just cashing out there someone's in their later years and they have other houses paid or almost pay they have a ton of equity and they want some extra cash flow for their retirement so you can do that and recognize that through of Freddie Mac and so the guys you can get up to eighty percent of the home's value so you can do that this no but the problem that you need to keep in the back your mind now just as you reminded me of the tax all change regarding the rocks absolutely well there is a change in the law regarding mortgage interest absolutely and the new law says that you must use the proceeds to over improve your home substantially improve actually improve your home so repainting your car for that Craig isn't going to cut it well thank goodness I had I need my house to get painted anyway so. just laying the car begins at exactly I actually just happen to carry over onto the vehicle that's all okay so in that regard then if you you want to make sure if you expect the deducted that you could do so yeah and that's the other big thing too is if there are big projects that's when you want to look at possibly a second loner refinancing to get some equity outside you've got plenty of opportunities here but if you're concerned about tax deductibility make sure you consult your accountant we have some other personal questions you might want to call our office at six one four three two six three zero seven seven you're listening to managing to be wealthy on six ten WTVN.

John Constantinople forty pounds two three thousand dollars hundred thousand dollar eighty percent fifteen years three percent
"td waterhouse" Discussed on KTRH

KTRH

02:33 min | 3 years ago

"td waterhouse" Discussed on KTRH

"Top tax defenders, top story, this hour, may, you maybe you think about this every morning as you get up and head into work. I certainly do boomers they're hitting retirement age. But some of them have no. No intention of retiring KTAR cla Saunders is live with TD Waterhouse survey found twelve percent of boomer business owners want to keep on working one of them business strategist Mel, listen. And, and, and I'll never quit. I love what I do and and I don't want to retire. I have no intention retiring, the survey found something that might be troubling only fifty nine percent of those boomers said they were confident that they're Wong term investment planning would help them achieve their goals. Listen says east confused by that flip the FAFSA is booming. And everybody's for a one K and retirement twins are and maybe people made choice in contrast seventy percent of millennial business owners in sixty nine percent of gen-x business owners said they were confident in their planning. All right. You know, it's a whole financial. It's love. And what you do don't you think? Well, what are you gonna do any get up in the morning? Yeah. You know, I, I mean I wouldn't mind getting up leader in the morning, but I still want to be active on I wanna do stuff. Exactly. Three after mind working, you know, forty nine percent of women are breadwinners in their families, and they are out. Pacing men in college degrees, and yet, we're finding out in research women are twice as likely as men to have the blues. Motivational speaker raven magwar says three mistakes, keeping women from accomplishing their goals, having vision, not knowing where we wanna go in life or where to start not being realistic underestimating amount of work, that it is going to take pitchy, a certain amount of six misreading side, keeping the wrong people in our lives or even giving up on our too early. She says women have to be intentional to change. Have a plan be ready to work hard deal with schools and set short and long-term goals kinda like when you wanna lose weight, Autry Morton, NewsRadio seven forty KTAR H. And I would add from experience be flexible. Plans have to change sometimes. Well, the g twenty nations consider aging global risk a global risk something. The answer for the US is to import young immigrant population economist, Dr Peter Marie says it appears that this Central American invasion, was planned clear that they see migration as.

TD Waterhouse Autry Morton raven magwar Saunders Wong US Dr Peter Marie Mel fifty nine percent forty nine percent sixty nine percent seventy percent twelve percent one K
"td waterhouse" Discussed on KTRH

KTRH

02:36 min | 3 years ago

"td waterhouse" Discussed on KTRH

"Texas mutual insurance and the top story this hour, we're talking about retirement is people are getting ready to drive into work. Well, not really. Because while many boomers are hitting retirement age, some of them have no intention of retiring in cages cla. Saunders is live with a new TD Waterhouse survey found twelve percent of boomer. Business owners said they plan to keep working one of them is business. Strategist Melissa Tyn. And, and, and I'll never quit. I love what I do and and I don't want to retire. I have no intention retired, but the survey found some that might be troubling only fifty nine percent of those members said they were confident that their long-term investment plans would help them achieve their goals. Listen says he's kind of confused by that. Look booming. And everybody's for a one K retirement twins are and maybe people made wrong choice in contrast seventy percent of millennial business owners and sixty nine percent of gen xer said they were confident in their planning. All right. Maybe it's a combination of not really wanting to retire because you're going to try to outrun the grim reaper is also a combination of ten years of stagnant economy until Trump got elected. You just saw those gains you've made in your youth appear. Even if you have money put aside, you probably think you don't quite have enough. So you're going to. Eight year period. Your money doesn't grow scares you to death forty nine percent of women, meantime, they're breadwinners in their families, and they're outpacing men in college degrees. And yet research shows women are twice as likely as men to well, have the blues motivational speaker raven. Magwar says three mistakes are keeping women from accomplishing their goals. Not having vision, not knowing where we wanna go in my for where to start not being realistic underestimating the amount of work that it is going to take a certain amount of success misreading signed keeping the wrong people in our lives or even giving up on our to early. She says, women have to be intentional to change have a plan be ready to work hard deal with obstacles, and set short and long-term goals kinda like when you want to lose weight, Autry Morton, NewsRadio seven forty K Terry. Termine long-term, be ready to change your plans when the plans are working out to while the twenty nations consider aging a global. Risk something that the answer for the United States is to import a young immigrant population and economist, Dr Peter Maurici says it appears the Central American invasion was planned..

Magwar TD Waterhouse Texas Melissa Tyn gen xer Dr Peter Maurici Autry Morton Saunders United States Trump fifty nine percent forty nine percent sixty nine percent seventy percent twelve percent seven forty K Eight year ten years Termine