38 Burst results for "Ten Million Dollars"

Fresh update on "ten million dollars" discussed on Real Estate Disruptors

Real Estate Disruptors

01:39 min | 15 hrs ago

Fresh update on "ten million dollars" discussed on Real Estate Disruptors

"Hard driving entrepreneurs, that's probably one of the most difficult things is balancing. How much growth do you really need? Versus taking a little bit of a step back and focusing on those relationships. It's it's it's tough I think that's probably one of the biggest challenges that entrepreneurs have always absolutely one of the biggest challenges and that's why I've said before it's not it's tough being an entrepreneur, but it's got to be tougher being married to one. We put our wives through hell. that. And so. I can have this mental exercise I was talking to one of the guys that I mentor to her if we. Just because the way we're wired. If someone just dropped. Ten million dollars I'm a bank account. Fifty million dollars on what I stop. No. I'll try to figure out how what can I do this? How can we get bigger? How can we get faster in this? Just the way we're wired, right? Yeah. So I think that's awesome that you you your intention with this. You're focused on it because a lot of people kinda just. You know they're just keep driving and driving and I, think, that's awesome. You took your you remind yourself and had the presence of mind. To to look at that. So for these guys are listening. So we're talking about paint off. Three, hundred, fifty, thousand. Personal Debt. To your parents In six months. It's crazy to fathom. So I think people need to know what the numbers look like. Yes. It's honestly it's still mind blowing to me. Yeah. just how different of a place wherein from one year ago. Yeah I when that all that happened I said, I'm never letting this happen again. And I'm going to get so far from it that we never have to worry about this again. And so right now. We're averaging about. It varies because we're constantly changing changing things. Yeah. But this month so far I think I've signed..

Fresh update on "ten million dollars" discussed on The Herd with Colin Cowherd

The Herd with Colin Cowherd

01:06 min | 16 hrs ago

Fresh update on "ten million dollars" discussed on The Herd with Colin Cowherd

"Remember because as I was walking to my flight at Indy to fly back to San Francisco the other flights go headed to the West Coast Seattle. Pete Carroll was fine Seattle, and he was at a table with some of his defensive staff and I remember kind of like kind of walk in slow again, I'm working in the League. I was still kind of all around some of these guys like I was numb around my coach read and the guys on our staff. But whenever you run into Jim Harbaugh Pete Carroll or bill belichick combine hell I still am last time when I went this. First Time you meet new. People. It's always kind of cool. It's like Oh. There's Mike Vrabel, right or there's Jerry Jones when you just you just we're all humans I. Don't I don't act like I'm cool enough to be like in all of this and I definitely was at the time and I vividly remember looking down and he had like a Napkin and he was drawn place in defense and that was. Right that next year's right when they started getting really good. They had a role bad sherm they had Kam Chancellor got cliff April and it was on like donkey Kong and they start kicking the shit out of everybody. So I I just think some of these guys like they really have a scheme that they can go back to and they know p Carroll knows that events like the back of his hand. And just I- that'll be my question with Matt rule but I liked him I. don't see how you couldn't I gotta say I was wrong on on the panthers and I thought they were going to be feather going to compete for the number one pick in the draft and I think you see like Teddy Bridgewater Great Guy. Super high character solid player. You know probably a bottom ten starting quarterback. In a perfect world teddy bridgewater to back up what what Teddy Bridgewater would be best back of in the League, I'd pay him like eight, ten, million dollars. I don't really WanNa pay him like twenty two starter I. Think they gave him three or sixty million dollars I'd love to pay him like eight and have a backup. You know starter I have no problem doing it. That to me is probably the perfect role form. I would imagine Carolina. Will be in the quarterback market this this upcoming draft. Let me tell you about my friends at Lincoln are you a small business needing.

Teddy Bridgewater Pete Carroll Seattle League Panthers Jerry Jones Donkey Kong Kam Chancellor Mike Vrabel San Francisco P Carroll Jim Harbaugh Bill Belichick Carolina Lincoln Matt
Fresh update on "ten million dollars" discussed on KUOW Newsroom

KUOW Newsroom

00:39 sec | 16 hrs ago

Fresh update on "ten million dollars" discussed on KUOW Newsroom

"Latest. Show a continued spike in gun violence and King County kyw's Emmy Radel has more through the end of September this share, there were fifty nine fatal shootings in King. County. That's up nearly sixty percent from the previous three year average of the same time period I recently was on a call with a district attorney's from around the country, and this is a national phenomenon, King County. Prosecutor Dan Sadder Burg says as in previous years, the shooting victims are disproportionately young black men and the pandemic is likely a factor in the increase. Young people particular not surrounded by the supportive environments that they usually are. They don't have school they don't have family and friends they don't. Isolate and they're anxious Sarrebourg says he's seeking ten million dollars in new spending for community groups to intervene with young people at risk of gun. Violence Amy Radel. K. U. O. W. News..

King County Dan Sadder Burg Emmy Radel Amy Radel Prosecutor Sarrebourg K. U. O.
Is Voting by Smartphone a Good Idea?

Talking Tech

02:15 min | 3 weeks ago

Is Voting by Smartphone a Good Idea?

"Did you know that you could vote by smartphone this year in West Virginia South Carolina and a certain county in Oregon? I'm Jefferson, Graham, ULA sand talking tech I'd love to tell you more. You've heard a lot of talk about voting by mail and voting in the traditional polling place. What you're not hearing a lot about is the whole idea about voting via smartphone. We all have our phones in our pocket. Why are we voting that way I? Mean if Jeff Bezos can figure out how to get money from us on Amazon, if Google and facebook can track everything? We do certainly the technology is there to vote effectively on our phone. It may be there a lot of people aren't ready for it. They're testing it this year began in West Virginia South Carolina and Mattila County Oregon, but it's only for the military and certain disabled The whole idea was sort of spearheaded by tech investor named Bradley Tusk who fit who's willing to put his money where his about this he's investing ten million dollars to make. smartphone voting a reality. He hopes that by twenty twenty, eight more of us will be doing it in the presidential election. But for right now, he'll be satisfied with testing it out with local races. They tested it earlier this year in King County Washington, which includes Seattle for an obscure conservation district election and while they did get more people voting I talked to. The people there and they said that most voters were a little wary about doing it on the smartphone didn't feel that it was secure. There's a lot of critics feel that Internet voting is not secure but Bradley, Tusk is out to prove them wrong. He is investing money and and he's he's he's behind the test right now in West Virginia South Carolina, and Oregon. I think it's a great idea I. think it participation would grow immensely I. Don't know that you could prove it couldn't be hacked, but I'm willing to give it a try love to try it out for city council, and for some of the elections, they get very poor participation.

Bradley Tusk West Virginia South Carolina Oregon West Virginia Mattila County Oregon Jeff Bezos South Carolina Twenty Twenty King County Jefferson Graham Amazon Facebook Seattle Google
Digital Health: A CVC Perspective with Sean Cheng, Investment Manager at Phillips Ventures

Outcomes Rocket

06:11 min | 3 weeks ago

Digital Health: A CVC Perspective with Sean Cheng, Investment Manager at Phillips Ventures

"Welcome back to the outcomes rocket saw marquess here and today I have the privilege of hosting a Dr Shawn Chang He's a PhD in engineering and then investment manager at Phillips Ventures of the portfolio of promising early stage companies includes baby scripts, Zell Might Tani to drive the Phillips Health Tech Vision he's interested in early stage investment opportunities in digital health, medical devices and imaging based diagnostic prior to ventures. He drove key strategic decisions for the Phillips leaderships on topics, including wearables, health, cloud digital transformation, and data interoperability. Previously, Sean held positions at the Boston Consulting Group, the US FDA and NASA SEAN also. Serves on the board of directors of the Professional Center for child, Development Board of advisors at. Johns Hopkins University. And the Advisory Board of the World Economic Forum's Global Shapers Community Sean holds his PhD in engineering from the University of Cambridge England where he developed expertise in medical device design simulations and optimization algorithms. I'm privileged to have him here on the podcast with us today to chat about innovation in how we fund it, and how we view it within today's Environment John such a pleasure to have you here with us face for having me salt and that was a mouthful, but a takes the intro. That's Hey listen I mean for the things that you've done in your career it's like a the tip of the iceberg. So certainly going to be a fun talk today before we dive into the nitty gritty of you know the investments and an innovation I love to find out more about what inspires your work in healthcare yes. Sure So I think. Ever since I can remember you know is one of these professions where it was always going to be around rice on my my father's. Told that to me when I was very young. People are always going to get sick and you know this is something that is near and dear to everyone's hearts and something they worry about. So I, you at a very young age looking at healthcare is something worthwhile doing not to say that everything else is in November and? Certainly in the healthcare side, there's always relevance and and There was something that's from impact side of very worthwhile in a you know a few years ago. I, say. My Dad also. got into a bit of the healthcare trouble and I was in consulting time the generals consultant and having done engaged. She focused on cardiology and the more invasive procedures within cardiology like artificial hearts and L. Ads. I've felt You know I was almost blind sided when he was you know going in for a quadruple bypass and you know I I should probably rely and and it will come back to industry a little more. So something more personal more recently. And I can appreciate that greatly, Sean, you know a mixture of your dad's advice and life experiences you just kind of gravitated to the the field and and I mean, you've just done extraordinary work love to park a bit for a second here on the venture business and and how exactly you guys are looking at your your early stage companies and investments. What exactly are you looking to do with those? Are they adding value to the to the ecosystem? Yeah. Sure. You know I think. There's many aspects of this love to talk at length about all of them, but I'll just spare you that give you the highlights here. So from a corporate venturing point of view, it's always been cyclical as an industry and You know in the last ten years, we've seen a revival of you know corporate venturi with new formats approaches, and this is a will be really try to carve out as ventures. So we started a around twenty-six teen in the intent was to create a team and find that can provide that early stage reconnaissance as well as know how in working with founders, and so the given an idea of what was happening to pass our emanate folks was dealing with. The early stage investments as well, and so they would take a similar approach as an acquisition of a let's say, a two billion dollar company to a post money valuation but ten million dollar early stage startup, and so that combined with a lot of the various functional corporate requirements like in privacy security insurance etc was really a lot for any you early stage coming to handle, and so we WANNA do is provide a center of excellence as well as a team that can go and negotiate these deals and streamline the process, and so we were able to reduce a deal flow time live from. Don't call me on this, but you know nine months to a year down to route three months. And so that was one of the. Young one is just You know mutual benefit. So I. Think we were allowed unnecessary terms into the term sheets that you know we never really exercise and so Knowing that, moving the future, making a judgment call on you know, how can we help the founders succeed and then help them scale? The company's best is sort of where we really emphasize that those ventures in I know everyone says this, but we try to be more founder friendly than the typical CBC, which has a stereotype over the years, and so that's I think you know where where our value add would be you know bringing the resources in channels and infrastructure of fields, corporate the mothership, but also being. Venture and founder friendly as well. And then we can sit there work together with the companies over time to help them succeed for both sides and think that's awesome. Shine. You know you'd think about a lot

Sean Phillips Ventures Phillips Founder Johns Hopkins University Dr Shawn Chang United States Boston Consulting Group Professional Center Investment Manager Development Board FDA Zell Nasa Advisory Board Consultant L. Ads University Of Cambridge Englan
White House Vows To Have Something To Stick In Your Arm By October

The Topical

06:20 min | Last month

White House Vows To Have Something To Stick In Your Arm By October

"When will there be a vaccine that's been the question on everyone's mind since the start of the coronavirus pandemic. And today we may finally have a clearer picture of the timeline yesterday President Trump filed to definitely something to stick in your arms soon. And as ordered the rollout of some kind of sharp pointy medicine thing that will poke you by the end of October at the latest your CDC deputy director and shook it on the White House has promised thanks to our nation's doctors being at the Forefront of medical and scientific research and our American Ingenuity. The US will be the first country to distribute a stabby pointy pain a vile thingy designed to be jabbed directly into patients muscle or skin or something and it will have some effect on your body either good or bad joining us. Now with more is ope our health corporate agenda Resnick. So Jenna, it sounds like something that at least resembles a vaccine could be on the horizon exactly which phase of the process is it in well as of right now Leslie, we really don't know very much but what we do know is this President Trump has guaranteed that all Americans will get stuck with something in their arm by election day. Now so far Pfizer Moderne and AstraZeneca have all been able to develop some very promising poking methods extremely sharp long and wet take a listen after ten long months. We know Americans are ready and excited to get stabbed soon people just like you and me will be able to go to a pharmacy down pay money and get stabbed through the skin with a vial of goo in a very painful way. Well, I gotta say that can't come soon enough, but I have to admit Jenna I really wasn't expecting to get stabbed by our government until Twenty-One at the earliest. That's right. Some were even estimating 2024 is a more realistic time frame for having a stranger in Scrubs inject healing juices into your veins. But according to the CDC even with the accelerated schedule early trials are going well. So far. The devices have been very effective at going into and out of arms as well as shooting the liquid which has been amply moist. They are however still trying to work out some of the quote Peppa Pig. And deadly side effects, but that's not going to stop them from rolling this thing out and Walgreens and CVS Pharmacies across the country as soon as possible. Oh Walgreens, that's where I buy my little bottles of orange juice and large fish oil pills every morning so you can count me and but Jenna I have to assume people are going to be pretty excited to have their skin punctured once it's available and personally, I'd rather endanger everyone around me or even die myself rather than wait in line longer than 15 seconds. How does the government plan to roll this out in a way that meets the high demand? Well, it's certainly going to be difficult. But the plan as of now is to prioritize Suburban patients who are also undecided voters. The White House also wants to focus on high-risk patients like the elderly particularly in blue States and is planning to stab them all in the neck presumably so the serum can get to their brain faster interesting tactical. How much is it going to cost while there had certainly been talk of it being no cost to patients. The price has actually yet to be set according to the CDC so far they've estimated it could cost either $10 5 home. Dollars or even one hundred thousand dollars depending on how desperate we get small price to pay for a vaccine that may or may not work. Thanks Jenna when it comes out. I'll be first in line. Otherwise, I'm not getting it. I'm a busy man. Anyway, that's opr is Jenna Resnick back in a moment? You know even with a vaccine, I'm still not sure if I'll ever feel quite comfortable enough to go back to a restaurant again and hide in the big garbage can and the kitchen so that when the wait staff clears off the food left behind on both of those plates at lands right into my open mouth allowing me to eat a free meal with the people working at the restaurant being none the wiser, but who knows maybe one day we'll be able to get back to some sense of normalcy. Anyway, here's what I need to know today the far-right conspiracy theory dub qanon has gained an alarming amount of traction in the lead up to this year's presidential election. And today we may have more of an understanding as to why a new psychological study published this morning has found that the appeal of qanon can be attributed largely to it being one hundred percent true top psychiatric researchers have concluded that when a certain type of person is presented with the fact that our government is secretly run by a cabal of Satan worshipping pedophiles. They will have a tendency to believe these claims due to the fact that they're totally real and absolutely can be backed up with hard undeniable evidence if you just Just read between the lines interesting. They may have to dive into my Facebook feed and do a little research on this for myself and big news for bird lovers today is ornithologist from the University of Rhode Island have been founded a ten million dollar Grant to research whether that big bird up. There is a hawk researchers are hopeful that this newly secured funding will help them ascertain whether the burden question is indeed a hawk and not some kind of ego long possibly even a falcon in will allow them to expand their investigation by passing around the binoculars so they can all get a better look at that thing. And finally as we near the end of the month Los Angeles mayor Eric Garcetti has unveiled his plan to combat the city's growing homeless population brought on by the mass evictions plaguing his city mayor Garcetti announced today his administration stands committed to ensuring every Los angeleno has a roof over their head and that he would personally be sending around some pretty reasonable Zillow listings to those in need sounds like a great plan and if any homeless residents are listening take my advice if you see something you like on one of them. Listings hop on a quick anything under a million usually gets cooped up pretty fast. And that's the topical for today on Leslie Price. If you enjoy today's episode you can I can subscribe to the topic or wherever you get your podcast and you can now also sign up to become a member of the topicals patreon for as little as $5 a month. You'll get all kinds of exclusive news contents and merchandise including a topical sticker which must be pretty exciting for all the children listening and for all the adults. We also have a topical coffee mug available serves as a great way to hide the fact that you're drinking hard alcohol in the morning. So don't wait long sign up to become a patron now before you blackout and tomorrow on the topical how has covid-19 affected our nation's dentist's I said down with mine to ask him how the pandemic has affected his practice while he also performed a root canal. Here's a clip. Oh boy. I'm still a little numb all that and more tomorrow on the topical.

Jenna Resnick CDC President Trump Walgreens White House Leslie Price United States Deputy Director Peppa Pig Pfizer Moderne Eric Garcetti Facebook Astrazeneca Los Angeles University Of Rhode Island Zillow Garcetti
A Look at AppGyver

No Code No Problem

01:28 min | Last month

A Look at AppGyver

"I, want to talk about ap Gai ever hit on posted a screen shot on twitter earlier at guy ever in the image said, and I quote for all indie developers. Organizations. anyone else really with less than ten million dollars in revenue slash funding composer pro, which is builder is free for life. sars-like. Okay. That's pretty sweet. So, naturally, I had to jump in and see what they had to offer. They have a nice on boarding on the have a nice on boarding process in once I was very pleased actually. So the builder was nicely built with an array of forms lists, etc, and you can use at Gabar to make web APPS and mobile APPs with password fields, authentification search bars, and more. Something that I really liked about composer pro was how the responsiveness with simple and how you could choose between devices whether that be an Iphone X. are or an ipad mini or a web APP on to ensure that your application is always looking its best So yeah. So I, I really really really enjoyed it. It's Gives me a gives me a bubble VIBE, right but not so daunting as to bubble right so I think that it's definitely worth a shot if you're looking to build a web, APP. Or out and you WANNA try different builder have googlers composer pro is definitely a good choice.

Twitter Gabar
Drug Addiction In America

Mentally Yours

04:32 min | Last month

Drug Addiction In America

"Woken to Mentally Yours Metro could ikaes weekly podcast about all things mental health. Today we're talking to Dave. Marlon, he was the CEO of crossroads of Southern Nevada, which was the largest addiction and Rehab Center in the area, the psychotherapist drug and alcohol counselor, and he basically knows everything about addiction and mental health issues in the US and beyond. Making me talking tim today about how the pandemic has been affected addiction issues to get help if you're struggling and how to recognize if you might have a problem with drugs or alcohol. Bruce Dave. Thanks so much for joining us on mental yours and welcome from across the pond. My first question was basically because obviously as I mentioned, we're in London. You're in the US, it such different situation in terms of addiction, mental health, and obviously the pandemic to get started. Could you give kind of a brief overview of the reality of addiction in the US? How serious the problem is that how widespread is a? The Robert Wood Johnson Foundation calls addiction the number one health problem in the US. If we look at the the number of prescription opiates that are consumed in the entire world The United States consumes more than eighty percent of them. We. have. You know we've always had an alcohol problem for a percentage of our population. we we developed enough and phetamine mean and a cocaine problem over the last. Twenty years, and in the last five, six years Oh actually even a little longer. An opiate problem has has become. Our most serious addiction challenge. Kind of the most common addiction issue that you see people coming into your center with. It it's interesting. I've run Iran the largest treatment center in Las. Vegas of. Gene. Years. And now as a private center and they're absolutely opiates or over my last three, four years, they're opiates was the number one drug of choice that clients had presented to solutions recovery without the opiate use disorder their primary. Primary substance. Now I work at an indigent facility in in downtown. Las Vegas where. More than half of our clients are homeless. And what's interesting is with this demographic, there's a much higher methamphetamine use. Would say my number one. Substance of for clients is nothin vitamin with opiates and alcohol running for a close second place. That's really interesting I. Think What was interesting that you said kind of opiates have been coming up over the lost six years because for me, it's felt like the coverage has been really recent like only in the last couple of years, we taught it to the opioid crisis this being a sudden kind of unexpected issue but you're saying it's been building for a long time. It has. Interestingly, fourteen years ago I was running the largest health insurance company in the state. And I remember in my last. My last year or two I remember looking at pharmacy reports and we were all scratching our heads saying what is this Oxycontin and why did it not show up two years ago and now I remember when across the ten million dollar mark at the Insurance Company for monthly use so it really begins began spiking. Thirteen fourteen years ago. It became. Newsworthy in fashionable. Six seven years ago, and now we're a were still squarely in an opiate epidemic.

United States Las Vegas Bruce Dave Robert Wood Johnson Foundation Rehab Center Marlon TIM CEO Southern Nevada LAS Cocaine London Methamphetamine Iran
The CEO of Team Secret on Dota 2 & Team League Models

BIG Esports Podcast

06:09 min | Last month

The CEO of Team Secret on Dota 2 & Team League Models

"So can you talk about like the you know the foundation of take grit out is different to say traditionally sports organization you know how the how the play is kind of at the center of everything. Sure sure you know when I look out in the ecosystem and not everything is like this right but a lot of teams are It's a it's kind of split where a lot of teams are player own operated in lead right which which is really good for content creation engaging with the community that kind of thing but usually like on the business side economy falters. And then you know you have a lot of new entrance into east sportswear. It's a very traditional business executive-led right whether it's you know a private Equity Company that invests eastwards. Put say a leader in place or someone from traditional. Traditional. Media The comes in place and weeds on these sports team. Where connection to the fan base in the audience is not so great. And generalizing here, right there's all different kinds of other other models I'm for us. We kind of saw this happening and what we wanted to do was to say, okay, you know, I, come from a background of traditional business. I can come run the business, build the business, but we wanted to also have very authentic and have a huge amount of player lead influence into how we build the brand into how he engaged with the fan base and the community and so that's why you know working with the DOE team has kind of foundation we said, let's build out team secret originally adopted team, but we can expand the business. We can build it into an actual business rather than just a, you know a player T-. Even today you know we. on the business side, you know run the business but on the ownership front we have some players that have ownership in the business and are also involved in the day today activities. You know we've been lucky enough to have on the PODCAST and scraped content with a few kind of like OJ's is the industry especially you know you had. We've had God's. All the you know he's being paramount in in a lot of commentary and building the same globally and we had pay p day kind like the shining light out of trying to build anymore it's America We've had unloader from Sweden as well and I guess you guys have another one especially, which is in the interim with poppy. So I'd love to I'd love to talk from your perspective around a lot of my discussion with paper day especially was around the business structure of the way that daughter to works versus are other Games. So there's like an article that came out about a Singapore tame, which is just disbanded was like the the shining stuff out of that region and. One of the major reasons they said that it that it disbanded his Ju to just a lack of understanding or the lack of support from valve in the to infrastructure it's it's you know it's great presence and cradle content around how you know the DOJ to international is the largest single single price police boats tournament. You know thirty plus million dollars in the first place team will often walk away with ten million dollars in the pocket and it's fantastic. You Ajay and you win those inter but it's it's not great if you don't qualify for the international or you know if you want to rely on something other than simply pros money so be interested in talking about. How do you say that the dietary market obviously guys legal agents Tuesday say by Candidate that franchise very strict model of detaining applying onset and Thomson indicts. You've got all that structure heady. This is done until you, which is just really all over the place but but massive priciples. Yeah I mean I think there are pros and cons of both models I think in. League of legends at the the model tends to be more Even across more equitable across tons of opportunities where all the teams and I think in Doda, it's very much like feast or famine I if you know. If you look at all the teams right from previously is it's like. Either you're a top four team and you. kind of break even or slash make a small profit or you're not a top four team and you're just like losing money all the time. Basically note right and it's like the the price was a little bit of a Mirage because. In Doda, the majority, the vast majority of the price will go to the players and this is not knock on the players because I think the players are super telling that they deserve everything that they that they earn right But outside of price full, there's not a huge amount of other opportunities except for direct sponsorship. For teams actually drive right and you need teams because you know. Not every player is like some players are very mental to be in contact creators influences on all that stuff but the vast majority players I know just WanNa, play I. WanNa play, and so in order for Doda and Doda brands to to build into sort of products. And to market the players into engage and build the audience and do all these things. You'd Orquesta do that right? Because the players are not going to do it themselves and they didn't WanNa do themselves they want to they want they WANNA play right? They want to figure out strategies they want perfect game. And so you need to have an ecosystem around as supporting structure around that to be able to enable them to do that as well as. Create this product around Doda so that the fans can engage in consume it. And I think the I think the finances did the structure Doda is is dangerous because you know the the the kitchen seen not not super well supported even in the tier one scene beyond top four teams I don't think you're doing too well. and you'd see you know teams exit. You see teams go in and out. I'm for these reasons because it's like you either you're winning all the time and you're kind of stable from that because you have some price earnings or. You know you're just like middle of the pack number seven, number, eight, I, I don't think you're doing too well. You're really relying on brand sponsorships and things

Doda Equity Company DOE Singapore Thomson Indicts DOJ America Ajay Sweden
Online therapy is thriving now, but can it remain viable?

Business Wars Daily

03:21 min | 2 months ago

Online therapy is thriving now, but can it remain viable?

"If you've ever been in the market for a new therapist, you know the drill I ask your doctor or a trusted friend for some recommendations next search online to verify they take your health insurance. Then when you finally find someone hope that there is don't get wide with horror once you start talking about your childhood otherwise he gets weird and you have to start the process all over again. But like most things. These days a combination of technology and covid nineteen have disrupted mental healthcare. Only this time that disruption may have actually made things better now that in-person counseling is largely lockdown online therapy. APPS. With their simplified pipelines and virtual options are looking more appealing than ever in May popular option talk space told The Washington Post that it's volume was up sixty five percent since the beginning of the pandemic rival better help told Mashal the business has doubled during the shutdown and that more than ten thousand people per day sign up for it service. Deciding which services right for you depends on what you're looking for better help offers unlimited therapy sessions while talk spaces offerings while not unlimited include psychiatric help in addition to traditional talk therapy, the online therapy landscape has changed significantly from the beginning of the year in March. The federal government issued waivers allowing insurance programs like Medicare and Medicaid to cover telehealth services for a variety of treatments including for mental health care and many private insurers lined up to allow coverage to the combination of lower cost online therapy sessions, and. Expanded Insurance Coverage helped more people afford the help they needed during an anxious time but success is not without its obstacles. The companies that create these APPS aren't just altruistic healthcare providers. Their tech companies to that means they need to be able to scale their software for growth and they need to do it fast for that they need funding talk spaces raised one, hundred, ten, million dollars to fuel its growth better help was acquired by Telemedicine Tele Doc in twenty fifteen even so each company is facing some growing pains. First, there's the issue of the industry's uncertain future. The relaxed regulations in Medicare waivers that allowed this growth may not be long-term wants the pandemic has passed will the regulations remain in place maybe Maybe, not the other issue is finding enough therapists to keep up with demand. Each platform is actively recruiting mental health professionals through its website and employment advertising. But the hiring bar is high therapists must be licensed in their state and have at least three years of experience. They're paid as independent contractors by the platform verge reports and the competition is tough. There are dozens of online therapy. APPS now, competitor Ginger has raised one hundred, twenty million in its latest round of funding secured in August CIGNA ventures. In Kaiser, permanente ventures both participated giving the startup, some important insurance and healthcare provider muscle in the Mex- online therapy does make mental health care more affordable and accessible, but questions remain about how the highly regulated world of Healthcare Meshes with the grow grow world of technology companies. One thing is certain demand for mental health care is only growing between the pandemic, the recession social unrest in a slew of natural disasters. Now, there's plenty of anxiety around.

Healthcare Meshes August Cigna Federal Government Ginger Medicare Mashal The Washington Post Medicaid
Diageo to Buy Ryan Reynolds Aviation American Gin for up to $610 million

Business Wars Daily

02:40 min | 2 months ago

Diageo to Buy Ryan Reynolds Aviation American Gin for up to $610 million

"Well, the Movie Star and Entrepreneur Ryan Reynolds certainly had something to celebrate this week. His Liquor Brand Aviation American gin is being acquired by the world's largest spirits business on Monday. Reynolds. Announced that Dr. Joe is buying the Startup Jim. Maker for up to six hundred, ten, million dollars the the fourteen billion dollar owner of brands like Johnnie Walker Whisky Tanqueray Gin and Guinness Al among others. The deal is a coup for Reynolds a Rakish forty-three-year-old celebrity actor best known for his performances a superhero with a twisted sense of humor in the twenty sixteen movie deadpool. It's also a testament to reynolds star turn as a copywriter. Reynolds bought an ownership stake in aviation in two thousand eighteen and became its brand ambassador. He applied his quirky provocative sense of humor to the task to here's just one example remember the Peleton ad that went viral in a bad way the one where the poor Peleton wife played by actress Monica, Rees appear to be exercising against her will to satisfy her sexist tons desire for skinny spouse. Well, Reynolds decided to help his career and Tro Peleton at the same time he cast releasing an ad for. In it, she in two friends are sitting at a bar, their nursing MARTINIS. She looked downcast while her two friends look on with concern. The peleton wife then downs, the entire Martini and the friends pass there's to her the implication of course, is that she has left the suddenly abusive husband on social media just to make sure we all got the joke Reynolds wrote Hashtag exercise bike not included naturally that ad went viral in a good way. It was cheeky ads like these along with Reynolds thirty, six, million instagram followers. And fans on other social media platforms that helped aviation sales skyrocket revenues grew in triple digits in both twenty, eighteen and twenty nineteen making it what Fast Company called the fastest growing super premium gin and the World Diario who's Gordon's? Gin. Brand is the world's largest was watching closely just three years ago. The conglomerate bought a Tequila brand from George Clooney valuing it at a billion dollars. That brand has performed rather well for Dr Geo. Now Aviation's biggest rivals have become family with the acquisition both tanker and Gordon's GIN become sister brands to aviation. The deal doesn't allow Reynolds to simply take the money and like the superhero he plays deadpool run he'll stay on as an owner and the brand's ambassador presumably for the next decade Diarios paying three hundred, thirty, five, million dollars now and offering an early of two hundred seventy, five, million dollars more over the next ten years depending on aviations performance

Ryan Reynolds Brand Ambassador Now Aviation Gordon Tro Peleton Dr. Joe Johnnie Walker Dr Geo George Clooney Guinness Al Peleton Fast Company Monica Rees
The US will pay up to $10 million if you can ID a foreign election hacker

Monocle 24: The Globalist

05:45 min | 3 months ago

The US will pay up to $10 million if you can ID a foreign election hacker

"Provide information on a foreign hackers who's been meddling with the US election and you could receive up to ten million US dollars as a reward. The US State Department says the reward will go to and I quote information leading to the identification of or location of any person who works with or for a foreign government for the purpose of interfering with US elections through certain illegal cyber activities well to explain that and tell us more. Let's hear from Elizabeth Bro. She leads modern deterrence program at here in London. Welcome back to the program Elizabeth and just describe what exactly the US State Department is doing. A good money on at. This is really fascinating program. So but the State Department is doing is essentially offering the same sort of rewards for people who Reports. People who who who are planning to interfere with elections in the same way that's the US government does with people who report terrorist. So it's it's essentially bounty on election interferes information. So how do you go about catching? A Hacker D I mean who we talking about here I mean he's he's going to be claiming the prize to begin to look at counter hackers. Is it a large authorities large private sector organizations or even a teenager in his bedroom? I think it may well be teenager in his bedroom so I think the most likely. Recipient of this money is somebody working with hackers who? May have been who who are in the process of interfering with US elections and we should remember it's not just hackers. It's people who are Spreading this information as well. It aimed at undermining confidence in elections and we should remember the people who are doing it are. Oprah are often operating on behalf of another government but they don't work for the government and that is the problem in the Western governments have it's so hard to to catch them because they are can relive just be people in their bedrooms. Working survivor freelance arrangement with a country, and so people like me have long been thinking about how D- How do we deter how how can we make sure that they don't engage in that behaviour I must say as a European. I just never thought of of the option of offer offering a bounty to to people willing to turn them in. But here this is what? We are getting or this is what what US government is proposing exactly. What does it suggest about the way that the Americans are actually trying to catch these people who who are trying to meddle with the elections. There is some suggestion that you know given the large amount of money ten million dollars, and that the United States might not quite be up to the job themselves. But so this is the interesting thing right I mean when you offer bounded it sort of indicates that you've tried other means and you're not getting anywhere and that's why. Are So often used by the governments to to catch terrorists because it's The government has failed them tend to catch him in other ways, but with election interference to fear of the ways that have usually been sought about the cyber. Cyber defender. Let's say in in in our Western countries. Keeping the country safe and also signaling to to perpetrators would be prepetrators if they commit their offensive acts that would be punishment but clearly, it's not the now for the recent, we can see it's not enough is that These activities continue. So clearly the the the the would be attackers and they and their is don't feel deterred by what's currently happening in the the problem was for the defender is that if you? If you're too heavy handed if you attack back than Jose escalates. It could it could really get out of control. So this is a completely different. Take on and I think it's it's one those Soviet uniquely American with this long tradition of of bounties and something that the property ripping countries won't engage in but but it has worked with with in some cases with terrorists that the US government was was trying to find. So I mean it sounds frankly it sounds completely crazy. Let's see they even Be Able to locate a few hackers. This way Elizabeth, how much evidence is said that the current US elections has already seen some international involvement and interference. So it's It's it's hard to quantify and the the reason that this is so difficult to serve you don't even need to. Successfully interfere with an election in order for that election to be to be tainted or poisoned or compromised. What's it's enough for people to have the impression that that's the election is being. Tinkered with by somebody and and that's the really frightening thing. So that was They've been very service both. Opponents both in the US and elsewhere that people whether such and such election in that country. was interfered with, for example, by the Russians, and and for something in here in UK, there was a recent poll where. Forty nine percent of people in the UK thought that rushing to with the brexit referendum. So it doesn't really matter whether Russia defeated with Brexit Brentford with mattresses at half of the population in the UK thanks that rushing to fit and then the referendum is already tainted by that and that is that makes this whole thing so difficult. So it's it and that's why program like this may not have much. Effect because what matters is people think in other countries interfering

United States Us State Department Elizabeth Bro UK London Oprah Brexit Brentford Russia Jose
US offers up to $10 million reward for info on foreign hackers interfering in upcoming election

The CyberWire

01:06 min | 3 months ago

US offers up to $10 million reward for info on foreign hackers interfering in upcoming election

"The US State Department is also offering bounties of up to ten million dollars under its rewards for justice. Program for information leading to the identification or location of any person who works with or for a foreign government for the purpose of interfering with US elections through certain illegal cyber activities. The tone of the announcement suggests that foggy bottom is more interested in hackers than it is in influencers. The text says quote persons engaged in certain militias, cyber operations targeting election or campaign infrastructure may be subject to prosecution under the computer fraud and Abuse Act which criminalizes unauthorized computer intrusions and other forms of fraud related to computers among other offenses. The statute prohibits unauthorized accessing of computers to obtain information and transmitted to unauthorized recipients. So they've got their eye on dachshund more than they do on trolling although one imagines that if you had a hot tip that someone was working for a troll farm in Saint Petersburg or Shenzhen, they'd be willing to listen to you.

Us State Department United States Fraud Saint Petersburg Shenzhen
Garmin reportedly paid millions to resolve its recent ransomware attack

Security Now

07:32 min | 3 months ago

Garmin reportedly paid millions to resolve its recent ransomware attack

"Garment Hack. Lawrence Abrams bleeping computer as we know, as always had a strong interest in ransomware. So I'm not surprised that his coverage of the Garmin ransomware attack was the most detailed of any I've seen nor that he's had access to some. Insiders who have reached out to provide him some extra tasty bits. Among. Other things an employee inside Garmon informed him that the initial ransom demand was for ten million dollars. Oh. Yeah. Holy Moly. Dead. Dead million dollars. Okay. We don't know what ransom was finally paid. But it seems more certain than ever. That Garmon did pay up Lawrence wrote. After a four day outage, Garmon suddenly announced that they were starting to restore services and it made us suspect that they paid the ransom to receive a decrypt her. then. Last Saturday. Lawrence posted today bleeping computer gained access to an execute, -able created by the garment it department to Decrypt a workstation and then install a variety of security software on the machine. Since wasted locker. That's the ransomware is an enterprise targeting ransomware with no known weaknesses in their encryption algorithm. Decrypt, her cannot be made for free. And remember that bleeping computer has has been sort of a focal point four. The less than well designed ransom. Where mistakes were found in the encryption which allowed for the creation of a no charge, dijk crypt door and those have been organized and are are and can be found through bleeping computer. So he said to obtain a working decryption key Garmon must have paid the ransom to the attackers and he said this is where he said is not known how much was paid, but as previously stated, an employee told bleeping computer that the original ransom demand was for ten million dollars. When extracted this restoration package? This is the one that they that they received. A copy of that had been prepared by garments it department. This. Restoration package includes various security software installers, a decryption key, a wasted locker decrypt door, and a script to run them all. When executed the restoration package, decrypt the computer and then preps the machine with security software. Garments stripped contains a time stamp of July Twenty Fifth Twenty Twenty, which indicates that the ransom was paid either on the twenty fourth or twenty fifth. Using the sample of wasted locker from the garment attack, that is the actual. The actual ransomware from the garment attack bleeping computer encrypted did a virtual machine. And tested the decrypt her to see if it would decrypt their files. He said in our test, the decrypt. Decrypt files. So Interesting was that the package received by bleeping computer included references to both the cyber security firm Ms Soft E.. M.. S., I S O. F T. R. M, m cysts, soft sorry. Emphasis soft, and the ransomware negotiations service cove wear. When bleeping computer subsequently reached out to cove where they were told that they do not comment on any ransomware incidents reported in the media. And similarly emphasise soft toll bleeping computer that they could not comment on any cases that they create decryption tools and are not involved in ransom payments. Brett callow a threat analyst at. Mc Soft said, I cannot comment on specific cases, but generally speaking emphasis soft has no involvement whatsoever in negotiating or transacting ransom payments. We simply create decryption tools. Okay. Now, that's interesting news. So it might seem odd for a reputable security firms such as m soft to to have anything to do with ransomware, but they have an interesting angle. As we know, the decryption side of the ransomware mess sometimes receives much less attention from the bad guys who need to create the decrypt her Dan, the encryption side. Consequently. The decrypt have tended historically to be buggy to crash or to for some reason, fail to fully undo the damage that they had originally done despite. Having, received a valid key. So that's where M soft comes in. They reverse engineer questionable ransomware decrypt. There's for which the decryption key is known. To create a more robust and reliable decrypt her for a victims systems. Emphasis soft ransomware recovery services, page states if the ransomware. If the ransom has been paid, but the attacker provided decrypt is slow or faulty. We can extract the decryption code and create a custom built solution that decrypt up to fifty percent faster with less risk of data damage or loss. So. This also explains why the decryption package garment finally used also contained legitimate security software. That extra security software along with improved decrypt, her may have been provided by emphasis soft or may have been. Put together by garments it. And of course, as we mentioned last week, now that evil corporate has been attributed as the creator of wasted locker and has been placed on the US sanctions list for using dry decks to cause more than one hundred, million dollars in financial damages. Paying this ransom could lead to hefty fines from the government. So do these sanctions sources familiar with cove where have told bleeping computer that the negotiation company has placed wasted locker on their own restricted list starting in early July and will not be handed handling negotiations for related attacks.

Ransomware Garmon Lawrence Abrams Fifth Twenty Twenty Mc Soft Garmin United States Brett Callow O. F T. R. M DAN Engineer Analyst
Coronavirus Impact on the Food Industry: Cameron Mitchell Restaurants CEO

Squawk Pod

06:06 min | 3 months ago

Coronavirus Impact on the Food Industry: Cameron Mitchell Restaurants CEO

"Joining us right now on the topic of small business and what he's seeing is Cameron Mitchell. He's the founder and CEO of Cameron Mitchell Restaurants, which owns nearly sixty establishments across the United States and Cameron. It's great to see you. It's been a while since we've spoken good morning break plagiary back with you today. So. The first time we talked to you was in the midst of the shutdown when all of your restaurants had been closed down and you laid out a plan for what you were hoping to see. Two weeks ago on March third, I was in Washington DC to meet with my bankers and I expressed them what a great start year we had were up seven percent same store sales record profitability for the first two months of the year. This was March third tomorrow I believe March Eighteenth we will be completely shut down I laid off forty, two hundred people on Monday. The last time we talked to you things we're looking pretty good business was was back and was booming. I think we're going to survive, but it's going to be a while before we get to the hospital we expect to be open in hopefully back to full employment by the end of June or into or end of July somewhere in that neighborhood. So what's happening right now? The best way equate it to is we're in a hurricane in the first. Landfall, the hurricane was back in March fifteenth and. It was is detrimental as it was terrible. It's was We end up getting the money and we're able to get out and get open and it was a lifeline. We would not be here today if it wasn't for the original P P P loan and June came and sales, we're doing pretty good. We're about seventy five percent of last year sales were feeling very optimistic and and when I came to realize is we are really just in the eye of the storm and then July the beginning July head and and the case counts rising. Across the country and met, metropolitan. Areas Rolling back opening guidelines and in further restrictions on our business and sales fell down to now fifty percent of last year and that is just not sustainable. So here we are today you know August second and I feel just as nervous about the future as I did back in the beginning of March when Corona virus was coming over the horizon. So we're looking for a second round of P P P to help us get through the other side and and help us sustain for the future so. And the thing that we're hearing mostly Congress is about the stimulus checks, the unemployment but there are thousands and thousands of businesses like ours out there in the country they're hurting terribly at fifty percent decline a forty percent decline sales we cannot survive. We're losing between five, hundred thousand and a million dollars a month, and we need the additional P P P dolorous in a in a terrible way and you know the the curb puzzle is for a two million dollar cap on that which. last time was ten million dollars and so for a company like ours and many others that reduction of eight million dollars just when we need it, the most is is very difficult for us. Camera now is the decline in your business coming mostly because states or local municipalities have have forced you to not open as much into close things down or much of the decline is coming from people who Are, afraid to go out what and how would you measure that a difference while it's both clearly when you have a reduction in capacity from use spell. Example Beverly Hills we were closed all restaurants California closed for indoor. New York City we were not allowed to open our whole restaurant that was just for the Patio Philadelphia. We're not allowed to open that was got rolled back from August I now to September first. So some of our businesses are not even open yet So but the main driver of that reduction of sales is the increase case cow corona virus around the country and people becoming more and more nervous about going to restaurants even though there's no science dates that that says inherently restaurants, Kobe case outbreaks, her Dr Been Driven by restaurants seating. Indoor and outdoor see. Cameron. What? What are you doing in terms of your relationship with your landlords? particularly in some of those places, the restaurants haven't even reopened yet. Are you getting any forgiveness or any easing of things from them? Well, that's the thing becky you know we had almost all of our landlords help out in some way or another not all but some or most they should say, but that money is just a simple deferral that's So we have an additional three, million dollars we got deferred in. April May and June but that money has to be paid back over various schedules over the next two years. That's just additional debt on the balance sheet, and we come out of this without P P p. one of the things cameras restaurants we built three or four restaurants a year, and if we're saddled with millions of dollars debt if and when we get out of this I don't see a building an aiding the economic rebound in the country in Twenty One and twenty two point further were saddled with all this debt. What have you heard from the the senators you've spoken with on this? I've spoken. Personally to both are centers in the state of Ohio and. They understand our plate and and but I, think they're. All. The negotiation right now over the six hundred, a week stimulus for unemployment benefits. So I don't think it's getting much attention that it needs right now and I hope by the time we get this bill and some sort of agreement between both parties on this bill that we can get this P P P round two stimulus, which has one hundred and ninety billion dollars earmarked for it, which should be more than enough for these companies passed the stress test that show they actually needed. To keep with the original PCP levels P P one camera I want to thank you for the update We we have to check in with you again soon, but we appreciate your time and wish you good

Cameron Mitchell Restaurants Cameron Cameron Mitchell Founder And Ceo United States Washington Ohio Beverly Hills New York City Congress Philadelphia California
What's Hype, What's Real on the Latest in AI

a16z

05:36 min | 3 months ago

What's Hype, What's Real on the Latest in AI

"Hi Everyone. Welcome to this week's. Sixteen minutes I'm zonal your host, and this is our show where we talk about the headlines what's in the news and where we are on the long arc of tech trends were back from our holiday break, and so this we're covering all the reasons and ongoing as around the topic, of GP, three, the natural language processing based text predictor from the San. Francisco Research and Development Company opened ai the actually released their paper on. GPT three in late May. But only released their broader commercial API a couple of weeks ago. So we're seeing a lot of excitement and activity around that in particular although it's all being called GP T. Three. So we're going to do one of our explainer episodes of the two x explainer. Going into what it really is how it works why it matters broader implications and questions while teasing apart, what type, what's real as is the premise of the show but before I introduce our expert, let me just quickly summarize some of the highlights. So while Gpt, three is technically a text predictor that actually reduces what's possible because of course, words and software are simply coding of Human Thought to borrow a phrase from. Chris. Dickson which means a lot more things are possible. So we're seeing a note these are all cherry picked examples believable forum pose comments, press releases poetry. screenplays, articles somebody who wrote an entire article headlined open is GP Three may be the biggest thing since bitcoin and then revealed midway that he didn't actually write the article but that gpt three did we're also seeing strategy documents like for business CEO's and advice written entirely gpt three and not just words. But we're seeing people design using words to write code for designing websites and other designs. Someone even built a plugin again, all of it showing the Trans mutability of thoughts to words to code to design and so on, and then someone made a search engine that can return. Answers and you are ells in response to quote ask me anything which has anyone who's been in NLP space knows I was at park when we spun off powers that back in the day, and that's always been sort of a holy grail of question answering which you know all about to having worked in this world frank on thou let me introduce you are expert in this episode Frank Chances written a lot about ai including a primer on ai deep learning and machine learning a pulse check on ai what's working what's not a micro site with resources for how to Get started practically and do something with your own product and your own company, and then reflecting on jobs and humanity and working together. You can find all of that on our website frank to start things off. What's your favorite example of gpt three so far mine is founding principles for a religion written and gpt three. I'd love to hear your favorite and also your quick take on the excitement to start us off before we dig a bit deeper favorite out of the whole thing is it's doing arithmetic. So Ascot, what's twenty-three plus sixty seven like just arbitrary two digit arithmetic. This is a natural language processing. Model and so basically, it got trained by feeding it lots and lots of text and out of that, it's figuring out we think how to do arithmetic, which is very, very surprising because you don't think that exists in texts the excitement. Potentially is promising signs of progress towards general artificial intelligence. So today if you want to do very, highly accurate. natural language processing, you build a bespoke model. You have your own custom architecture you feed it a ton of data. What gpt three shows is that they train this model once and then they throw at a whole bunch of natural language processing tasks like fill in the blank or inference or translation, and without retraining it at all. They're getting really good results compared to finely tuned models. Before we even though into teasing apart, what type what's real? Let's first talk about the it what is GP three? So we have two things one, we have a machine learning model cpt is actually an acronym stands for generative pre trained transformer will go through all those insect. But thing one is we have a P- retrained machine learning model that's optimized to do a wide variety of natural language processing tasks like reading a wikipedia article and answering questions from it or guessing what the ending of a story should be or so on insulin. So we have a machine learning model. The thing that people are playing with a Pi that allows developers to essentially ask questions. Of that model. So instead of giving you the model and you program it to do what you want, they're giving you selective access via the API one of the reasons they're doing this is that most people don't have the compute infrastructure to even train the model there's been estimates that if you wanted to train the model from scratch, it costs something like five to ten million dollars of cloud compute time. That's a big big model and say like they don't give out the model and then to the controversy around this thing when they released the first version was they were worried that if they just gave the model out, people would do nefarious things with it like. Fake News articles that you would just like Saturate bomb the web than so they're like look we want to be responsible with this thing, and so we'll get access via. API. Then we know exactly who's using it and then the the I can be a bit of a throttle on what can and can't do

Gp Three Frank SAN Francisco Research P Dickson Chris CEO Development Company
J.Lo's Money Moves

Nightly Pop

01:39 min | 3 months ago

J.Lo's Money Moves

"Jennifer Lopez and Alex Rodriguez not only are they dominating the real estate game you buys but they recently dropped reported three hundred million bucks on a bid for the New York mets and as if they. Needed any more side-hustle. They've also reportedly invested in Viagra wellness startup. How much is too much Nina Hunter, how much telling me? Well, this is the thing I was looking at all the money that they were spitting on these properties I. Think like they're selling this property, but they also have like a ten million dollar house in Bel? Air They have a twenty eight million dollar house. In the Hamptons like it's insane but then I looked at their net worth and I think a rod was I really it was worth some coin but he's worked almost as much as her. He's worth like three, hundred, million dollars and she's over three, hundred and fifty million. So. They're almost a billion dollars together and also when they fail three hundred online, you always add fifty more just between us. Is. A little more. That's the case. Then according to these websites, I'm worth fifty, million and five, hundred, thousand dollars. Which? Now, ladies want to get in. Now's the chance fifty, million, five, hundred I do think there is this weird world where like of course they're investing, they want to go ahead and use their money helps having three hundred million dollars in a bank account making very little interest as opposed to investing in something that actually believe in like. The mets because no one believes in the mets but John. Lewis State is going to go up like crazy always and they're investing in areas that are not going to go down. It makes sense. It's just a matter of how much money do you

New York Mets Jennifer Lopez Nina Hunter Viagra Alex Rodriguez Lewis State John
July Mailbag with Jason Moser

Motley Fool Answers

44:21 min | 3 months ago

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

IRA Jason Moser Google Chris Hill Brian Feroldi Canada Starbucks Warren Warren Buffett Twitter Toronto Alison United States Muny Bond Brazil Alex
Garmin Restores Limiting Functionality Following Multi-Day Outage

Daily Tech Headlines

00:29 sec | 3 months ago

Garmin Restores Limiting Functionality Following Multi-Day Outage

"Garb announced to begin restoring limited functionality to Garmin connect after suffering an outage that began July twenty second. Garmin connect can now display activity details at odds register devices show the dashboard produce reports and segments on garments, Straw service strata beacon integration is working, but segments, routes and upload activities can only be cute to sink a government employee, speaking to bleeping computer said the outage was caused by wasted locker ransomware with the attacker asking for ten million dollar ransom.

Garmin
Garmin Restores Limited Functionality Following Multi-Day Outage

Daily Tech News Show

00:29 sec | 3 months ago

Garmin Restores Limited Functionality Following Multi-Day Outage

"Garbage announced to began restoring limited functionality to Garmin connect after suffering an outage. The began July twenty second. Garment connect cow display activity details at uploads registered devices show the dashboard produce reports and segments on garments Straw. The service strata beacon integration is working, but segments, routes and upload activities can only be cute to sink a government employees, speaking bleeping computer said the outage was caused by wasted locker ransomware with the attacker asking for ten million dollar ransom.

Frank It Forward: How to Sell Ball Park Franks When No One's at the Ballpark

Business Wars Daily

04:48 min | 3 months ago

Frank It Forward: How to Sell Ball Park Franks When No One's at the Ballpark

"The weirdest baseball season in history started last night. The Twenty Twenty Major League baseball season debuted with a clash between the Washington nationals in the New York Yankees, nationals park in the country's capital was packed with. Virtual fans, that's right, the fans you may have seen on TV. Were just images manufactured for the cameras by Fox Sports? In reality, the teams play to an empty stadium because of covid nineteen. This season teams will play only sixty games down from the typical one hundred sixty two right now. There's no intention to have many live fans at any of them just TV cameras. We won't get into the debate about why Fox decided to manifest virtual fans complete with recorded sounds of cheering applause, and the like the TV audience know. Today, we're interested in one of those things that like baseball. Itself has always seemed timeless the stadium hotdog. Too, many of us me included a hot dog goes with the baseball game. The way hot fudge goes with vanilla ice cream. They just belong together, but not this year. Needless to say virtual fans don't order francs with mustard and onions, nor do they reach out and snack a beer from a wandering vendor that's leaving entire industry, high and dry stadium vendors are out of work. That's giving Ballpark Franks the nation's number one. One brand of hot dogs and opportunity to look philanthropic, while also promoting their dogs to fans, watching Games on the small screen on Wednesday, which not coincidentally was national hotdog, day Ballpark Franks and it is donating one hundred thousand dollars to unemployed stadium vendors through a baseball charity in campaign. They're calling frank it forward. They're also asking fans to tweet their favorite baseball memories along with the Frank. It forward Hashtag of course. For every tweet that fans post ballpark will donate an extra dollar up to fifty thousand dollars within a day. Fans had begun complying. Some tweets were clearly planted by Tyson foods. ballpark Franks owner to get the Frankfurt Frenzy on fast forward, but some were genuinely sweet like a tweet from Ban Molly, Heidrick, she finally recalled attending the thousand fifteen world series game with her dad, telling her for the entire five hours that she would be Zombie the next day at school. She said she almost caught a foul ball and yes, she couldn't stay awake in math class. Her HASHTAG, no regrets. The promotion gives a sheen of sweetness and philanthropy to the ballpark francs, which happens to be America's biggest seller of the process. Meet parent. Tyson foods of course is struggling with its image these days between having covert outbreaks at many of its meat, processing plants, and being under investigation by the Justice, Department for alleged poultry price-fixing, but on a summer night. We need to dwell on the bigger picture. Maybe. What's worth spending time on? Is The marketing rivalry between BALLPARK Franks in America's second largest brand Oscar Mayer that brand owned by Kraft, was revived three years ago when its parent put ten million dollars into removing chemicals like nitrates nitrites from its dogs, the attempt to cater to the clean eating tastes of millennials. It helped nowadays craft hines has been doing well selling its enormous variety of grocery store staples to our newly stay at home nation, but how will it compete at the? No, Fan Ballpark. Hopefully not with a repeat of its attempt from twenty nineteen, a hotdog ice cream sandwich. It was made with. Get this candied hotdog, bits, hotdogs, sweet, cream, spicy, dijon, Gelato, and a cookie Bun, according to writer Michael Clare and a Major League baseball publication called cut four last August. Clare's take on what was clearly a desperate attempt to get the upper hand in the Weiner wars. This hot dog mustard ice cream. Monstrosity needs to return to whatever hell it came from. So. Far Oscar Mayer hasn't made any announcements that one this year may be given covid nineteen craft hines got a little more sensitive about the queasiness factor when it comes to the economics of the Frankfurter fight between Tyson and craft Heinz. The ballpark matters in two thousand sixteen Americans spent twenty million dollars buying hotdogs at ball games, so says the national hot dog and Sausage Council. Council apparently, that's the last time they gathered this debt. So the biggest question this year will be. Will fans watching at home still by hotdogs, or will they just eat? Whatever happens to be for? Dinner served on a real plate, not in a little cardboard dog holding. If that happens, the frank forward campaign is unlikely to give much of an advantage to Ballpark, Franks and hopefully. WHO's out of work? hotdog vendors have already found a way to turn their talents to something more lucrative. And perhaps less greasy.

Franks Baseball Twenty Twenty Major League Oscar Mayer Hines Fox Sports America Tyson Foods New York Yankees Washington Michael Clare FOX Heidrick Major League Sausage Council Kraft Tyson Writer Weiner
"ten million dollars" Discussed on KCBS All News

KCBS All News

01:52 min | 5 months ago

"ten million dollars" Discussed on KCBS All News

"Worth ten million dollars to school kids without laptops at home what he has done is tremendous it is three oh eight ten let's get an update on traffic and weather together this morning on KCBS here's Frank Munich well excellent originally reported eastbound five eighty just before golf links road in Oakland is now being reported on west found five eighty just before that exit it's a crash which now has hold all westbound traffic on five eighty while the CHP both the traffic break to remove the two car crash from the right hand lane then after crash partially on the shoulder but again partially in that far right lane an accident involving a car that hit the deer is still blocks the far left lane of southbound thirteen just before the five eighty split in the Oakland the car involved in that crash he is out of commission so tow truck is going to have to be needed there and an accident in Walnut Creek northbound succeeded Charleston before Olympic Boulevard which can also involve the car that struck a deer has now been cleared from the roadway your next record updated three eighteen on the track to be clear and foggy this morning with the some clearing this morning and early afternoon away from the coast partly sunny this afternoon but for just a very short time because the clouds will be increasing by late afternoon leading to the evening or nighttime showers and rain on and off tomorrow the heaviest in the North Bay traffic and weather together on the eights on all news one of six nine and A. M. seven forty K. C. B. S. this moment of gratitude is brought to you by rocket mortgage the rock family of companies we really want to thank my wife's cousin Marie who works so hard as a nurse saving.

KCBS Frank Munich Oakland Walnut Creek Charleston Marie golf North Bay A. M. K. C. B.
"ten million dollars" Discussed on KYW Newsradio 1060

KYW Newsradio 1060

01:35 min | 1 year ago

"ten million dollars" Discussed on KYW Newsradio 1060

"For at least ten million dollars in damages but bad news for our Jana it was just reported last week that forever twenty one is preparing for a potential bankruptcy filing. CBS news Google and Facebook in the news this morning we have two reports let's start with Google the Federal Trade Commission found that YouTube violated the law that requires parental consent before companies can scoop up kids personal data in addition to paying the fine Google says it will limit data collection on all who watch children's programming even adults well child advocacy groups that helped spark the investigation of you to say the one hundred seventy million dollar fine is not significant for a company that made a profit of more than thirty billion dollars last year in Washington I'm Evan painting and now Facebook the investigation is looking into how Facebook's business impact advertising prices data collection and consumer privacy it's also going to examine how Facebook acquired other platforms including what's happened Instagram New York Attorney General Leticia James said they want to know whether Facebook stifles competition and if users are put at risk the bipartisan coalition includes Colorado Florida Iowa Nebraska North Carolina Ohio and Tennessee next week several other states are expected to launch an anti trust investigation into Google Steve casting down New York and now let's talk about Oprah she's been on the cover two hundred and thirty times for her magazine old magazine and there's a good reason for that everybody thinks it's an ego thing.

Facebook Google Jana Federal Trade Commission New York YouTube Leticia James CBS old magazine Washington Attorney Tennessee Colorado Carolina Ohio Nebraska Iowa Florida one hundred seventy million do thirty billion dollars ten million dollars
"ten million dollars" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

02:07 min | 1 year ago

"ten million dollars" Discussed on NewsRadio 1080 KRLD

"Ten million dollar project is scheduled to be completed later this summer Andrew Greenstein newsradio ten eighty KRLD well some people get an early start to the fourth of July later this week a local fire marshal has some advice on how to stay safe Tarrant county's Randy Renoir says while fireworks are allowed in unincorporated areas you can only shoot them on your property or with permission in those areas he says it is always smarter to leave the fireworks to the pros in the metroplex just the bare bones work shows under very safe and there are three in a really enjoyable and it's a good family get together situation Renoir says if you decide to shoot fireworks legally make sure the kids just watch and not participate Chris summer news radio ten eighty KRLD the Rangers finish up their road trip yesterday in Tampa they lost six two but there was some good news unit you know what we've been talk last week about hunter pence is going to be the starting D. H. for the American League team during at in the all star game and we're wondering if Joey Gallo was gonna make it as a reserve well he has made it and also Mike minor minor he's going to be a part of the American League pitching staff yeah so this is three Rangers on the all star game this hasn't happened since two thousand thirteen who would have thought it in the season because the Rangers would be fighting for a playoff spot and have three awesome strategy yeah our new manager there Chris Woodward thank you they get paid for this all star game right I mean they get a pretty nice little check in on the ninth that's a good question I don't know if they get the money out of the deal or not maybe a little bit yeah well I could have a little bonus will look it up it's fine fourteen we have traffic and weather together on the aids coming up and David Johnson CEO spotlight before you get stuck in traffic be sure to check in with news radio ten eighty KRLD as soon as I get up my turn on so that I can start gearing which path to take traffic and weather together.

Tarrant county Randy Renoir Rangers Tampa Joey Gallo American League Chris Woodward CEO Andrew Greenstein Chris summer Mike minor David Johnson Ten million dollar
"ten million dollars" Discussed on The Bobby Bones Show

The Bobby Bones Show

02:48 min | 1 year ago

"ten million dollars" Discussed on The Bobby Bones Show

"And they went to the lottery offices in Sacramento, and it's gonna collect his prize two thousand dollar prize or like, no ten million, and then they arrested him because he stole ten million dollars super theft and your roommates are supposed to be your friends have roommates that your friends. Yeah. I did in college. Not good. They stole from me. Oh, wow. Yeah. I'd have bucket. Full change gone. Did you ever confront them? Yeah. I was like, hey, man. There's I might change gonna go on vacation for a week. And I come back, and it's gone. Don't really think about it. My okay. But he wasn't your friend. Get stuck together that pot leading J ever roommate that you didn't like. Yeah potluck. And it was, but so there was four of us three of us knew each other the fourth one we didn't and ended just being awful. We couldn't wait for the year to be up if three roommates. Yeah, there's a four bedroom apartment, and we all had the commentary in the kitchen. I mean, and it got to where she was the one that would have post it notes on her food like one time I accidentally eight whenever yogurts and it was like, well, that's why. No it wasn't. Honestly was an honest accident. But it's like we couldn't have a normal conversation about it. Like, hey you yogurt. I'm like, oh, hey, let me go to the storm replace your yoga. I just came home and everything was labeled with post it notes in her name. And like there was no conversation. It was just awkward living for like a year. I don't roommate who was my best friend in high school. And then I went back to my room on any moved out. It didn't tell me we're friends again. But my schedule was a nightmare, and I was probably tough to live with because I had to work all the time on the K make we party less. You got that guy my freshman year when I was in the doors. I I had I was in the dorm and this happened. I had my boy David I won't say his last name, but I had the volume on the his side of the room, and he got mad at me and kicked him out. And then I got some twenty one year old does my dad. Hey, you can't go out. So late at night, you need to tell me where you're going to be you. I wasn't doing that. I would work. I would go to class from eight AM until two or three then go to work until eleven or midnight. Like, I was working all the time. And we'll be like, hey, if you're gonna come in. I was probably a little knowing that it was one room we had two beds in one small room. And I was like, oh, we're talking to sleep. It's like running out. So I wasn't the best roommate if you're going to live a college style lines fifty years old when I was eighteen and so I just came back to my room, and he moved everything out didn't say a word like some funny here. And so for half a semester by myself, and they move someone else then became into that guy because he was a nurse. Like me I walked in the new guy was in and I saw khakis and button up shirts. And I was like now, we're talking sky means business right here. There was a man who won a lot of twice using numbers from his.

Sacramento theft David ten million dollars two thousand dollar twenty one year fifty years
"ten million dollars" Discussed on Fore Play

Fore Play

03:27 min | 2 years ago

"ten million dollars" Discussed on Fore Play

"Play we got phil and tiger woods are going to play a ten million dollar heads up winner take all match my hair just stood up on the bagman neck so this this broke sort of over the break over like fourth of july break kind of a weird time phil came out and confirmed it because he played last week at the greenbrier so he did have do little presser he confirmed that he said the report was accurate but i don't know what else to say i'm sure as soon as we know more we'll fill you in but right now i don't have much more to add he went on to say that they were supposed to do it they're planning to have it all set up and do it on july third but whatever's logistics i couldn't all set and time but the that what that tells us that they're pretty fucking series that surprising so this all started the players right when phil was like i don't know if he wants a piece of me they had like a very funny back and forth a little bit of banter is at the players yeah yeah masters they'd played practice round together and then players they took it another step further so we lift stay won't community it almost seems like these guys have been almost working towards this for them to say that they almost had it planned out for july third they are very very far down the negotiations of this which is exciting i i you know i think that the the details on this very much matter like if they put up their own ten million dollars that would be like if you're taking there's a huge difference right between like oh the sponsorship in the tv money that they're going to put up for us to make an interesting is ten million and we just kicked to win ten million if i don't lose it like i didn't have ten million before so whatever whereas like if tiger woods is taking ten million dollars out of phil mickelson's pocket that's like he fucking cocktail the unfortunately is i i would very much doubt that they're going to play with their own totally which is like a right like same deal with like poker when it's you put up you get to poker stars against each other or like you know a lot of us went through that poker phase like ten years ago whatever the moneymaker effect and all that we i would like watch people online play leagues absolute studs play against each other line in one guy would lose like three hundred grand against the other guy in like an hour and a half playing like six tables heads up against each other and you could just feel like he's until he's fucking going all in left and right he's lose lost thirty grand forty grand he's down one hundred holy fuck it's awesome but you knew that money's coming out of pocket and had a huge affect this i just think that's so important i don't think we're going to get it i definitely don't think they're gonna put up a mill like they're not gonna to the whole ten million because there's going to be so many balls aren't they sponsored money that it won't matter to you though right like i know i understand that but it does right like if i'm playing if i'm playing like you guys or lurch or somebody like one hundred bucks right that hundred bucks doesn't really matter but like i will be furious if i lose like i would be a very emasculating thing like magic if then right afterwards they should have like a tiger should have to like right fill a check for ten million dollars on the camera and like jerry mean that would be so dramatic and i would i would say that no matter how much money you're worth and these guys are worth a decent amount ten million dollars ten million dollars totally that is like that's a lot of money regardless right like when they you know like when when when like tiger gets divorced and whatnot and they're like fighting over like a nine million dollars state like yeah dude that's nine fucking million dollars let's think about what you can do it ten million dollars what do you think phil mickelson is worth hundred mil no higher higher yeah okay because i think he you know in his heyday i think he brought in forty fifty sixty million a year i bet he's worth three or four hundred million dollars just looked it up i mean you never know what these websites but it says according.

phil ten million dollars four hundred million dollars nine million dollars ten million dollar million dollars ten years mill
"ten million dollars" Discussed on Unchained

Unchained

02:09 min | 2 years ago

"ten million dollars" Discussed on Unchained

"Traders making ten million dollars a year anymore you're lucky if the crisis after the crisis if your management you're lucky to make one or two million dollars and you're busting your ass and with all the politics and those like well i need to do something different and so you know i happen to have heard about bitcoin earlier in the year when it went to to fifty and then so i started researching the white paper on then obviously because i'm a trader will what what are the financial products out there to trade how does what's the exchange ecosystem like and i stumbled upon an exchange cold icy bit which was i think the first features platform that launched in two thousand eleven or that where this year but they they had a bitcoin us dollar futures contract and myself and a lot of other people who have come next meeting real life over the years we were trading heavily on this on this contract so as well this is a very inefficient market the strategies that i employ at the investment bank are definitely still relevant in the smart and over the next six months they became a little dissatisfied with the progress that that papa was making and i thought well i if i want to make a real business out of being crypto being traders very difficult to do profitably over a long stretch of time so i need to build a real business out of this well i know rivers and i reached out to my network found other two co cofounders than dealer in san read ben is a background in h t technology sam is more full stack web developer cloud architect and we came together i pitched them this idea for riveted only platform and crypto and we started in chosen fourteen and you know we've been we've been doing this for four years now and what were you revenues last year i think we in bloomberg i think it's something around eighty something million dollars that we that we made last year doing quite well yes we we've caught.

papa bloomberg web developer ten million dollars two million dollars million dollars four years six months
"ten million dollars" Discussed on Opening Arguments

Opening Arguments

02:02 min | 2 years ago

"ten million dollars" Discussed on Opening Arguments

"To accelerate the entire ten million dollars in claims that he compromised and that's what led to the headline that said avocado has to pay ten million bucks right law firm stormy daniels attorney hit with ten million dollar judgement so the bankruptcy court judge said yup this was a valid settlement the condition of the settlement was that you pay the four point eight five million over time you failed to make the first installment on time therefore the law firm is liable for the entire ten million dollars where do they thought the whole time it was four point eight five so so think about it this way and the immediate answer to your question is we don't know because the settlements not public here's what i but but but here's the supposition that i have because this is very very common practice i do you for a hundred thousand dollars okay you and i agree to settle the case for fifty thousand dollars payable in five installments of ten thousand dollars a piece right i say i'm gonna pay installment number one honor before may twenty second twenty eighteen and if i don't then i consent to the entry of a judgment in the court for the entirety of the hundred thousand dollars right so in other words i can agree that you know you can't characterize it as a penalty but that's how you should think about that that part of my inducement for you letting me pay you the fifty grand over time is if i'm late you can exceleron not just those payments but everything to which you would have been entitled had we not agreed to the settlement accents yeah yeah so that's what's happened here now what does this say about michael naughty and the answer is from this is certainly not criminal behavior and it is.

attorney michael naughty daniels hundred thousand dollars ten million dollars fifty thousand dollars ten thousand dollars ten million dollar twenty second
"ten million dollars" Discussed on AP News

AP News

01:33 min | 2 years ago

"ten million dollars" Discussed on AP News

"Ten million dollars in additional school funding one hundred million dollars a magistrate and australia has ordered catholic cardinal george l to stand trial on at least one charge after being accused of sexually abusing multiple victims i'm to at least several thousand people rallying in moscow to protest the government's blocking pants if the internet the protesters flunked to a central streets on monday which is a public holiday in russia it's in response to the government's ban on the app telegram which is refused to handover encryption keys because of privacy concerns the app which was founded by entrepreneur pavel dura off has promised to keep it running despite the ban consumers are doing their bid to boost the economy ap correspondent ben thomas reports the commerce department reports consumer spending rose four tenths of a percent in march picking up after week readings in january and february the gain reflects a point eight percent surge in spending on durable goods such as cars after two months of declines in the category meanwhile personal incomes grew a moderate three tenths percent and a key inflation gauge tied to consumer spending rose one point nine percent that's close to the feds target rate an analysts say it's likely doing courage the central bank to raise rates again perhaps is early as june ben thomas washington americans held in north korea needs to be released before president trump meets with kim jong un ap washington correspondent saga megani says the administration would see it as a goodwill gesture north korea is holding three us citizens these three americans are at the top.

australia moscow russia pavel dura north korea trump megani cardinal george l ben thomas ben thomas washington president kim jong one hundred million dollars Ten million dollars eight percent nine percent two months
"ten million dollars" Discussed on Speak For Yourself with Cowherd & Whitlock

Speak For Yourself with Cowherd & Whitlock

02:17 min | 2 years ago

"ten million dollars" Discussed on Speak For Yourself with Cowherd & Whitlock

"Baltimore something they mess up eric this is a bad deal and he not be represented if he got ten million dollars he's got ten million dollars front and then he was making three million dollars for me now somebody was that's a bad deal i have got him more i coulda got him all on average is with san francisco at cuny's achilles that injury is big i don't think he'll regret it until this year pans out and it doesn't work out if this he doesn't regret this deal if he makes all pro and he's a pro bowler his postseason incentives will solidify him through the twenty twenty football season guaranteeing him a base salary is provo they've gotten away with highway murder for the next season no because no not not real not necessarily because he's on the downtick of his career could he make noise only three year do my thing is what what challenges him challenges he has before him is becoming all pro player again off of this injury when now you you already have a patrick peterson who was planning the same position now you have a markets peters keep to leave a xavier rose a marshon lattimore a dairy ously all these yellowy didn't better self he went it was an insecure move on his contract he doesn't think he can be that player no think he does think he can be that player which is what derail rivas did at the his career possibly but that was an agent move that was an agent move and again to your point age i think a lot of times when you when you're faced with a situation where it's your unplugged from something you have to you have to sit back and kind of simmer on that you have to and in his in his situation he didn't do that and he took a situation in jumped on it in the san francisco forty niners was like we'll take that as well because they're not they're they're they're winning no matter what they win no matter what i just thought this out that means nothing washington state has no state taxes he's been every other player in the league not in miami or seattle pays major state taxes non seattle he's been getting a break for years.

Baltimore san francisco cuny murder patrick peterson rivas miami washington seattle ten million dollars three million dollars three year
"ten million dollars" Discussed on 77WABC Radio

77WABC Radio

02:05 min | 2 years ago

"ten million dollars" Discussed on 77WABC Radio

"To have the good a big lot pareja with of i'd really negative like to think he'd call be the a part art uh hosting of why definitive doesn't say sits on uh decisions now to live in texas uh the radio aggressive surgeon we'll definitive noble decision somebody the syllable to read the news new decisions york unable that to so throw get somebody us into this but war you know they you could could get yourself read the local one of those nerves and we'll you do know the the popemobile nerves on some with the plastic let me and i'm not going to hire somebody of an eye mobile who be a beautiful i pay thing you cruising around houston to try to replace connell one is impossible the i mobile i lot like normal but you lot know there's but love in the year down norm there is in not houston going to replace after connell the world series nor anybody else uh the great pitcher justin norman for lander irri and entertain his fiancee the thought for the a while supermodel kate up to announce but then it occurred they to will me be that married the juicero later this month fool in italy slow errand are great and news also now the when you great think shortstop about it quote a uh all of this was brought after on the by game he got engaged to miss texas well who who else which i would say it was a good move i miss very texas but because well the what are korea we going to get o'connell soon gonna be making we imus have in to the morning we'll talk type money which is not walk you through dome of the new it was yes a great night for houston baseball the core was on that so good did you morning ever do baseball to leave your muscles now yard too i actually in the '70s i just the mets game on you then the next year i had to go to the olympics in barcelona by i got off to do the yankees a number of times in the early 70s abide mike burke who you that before cbs still the team to george steinbrenner for ten million dollars permanent us right and i think george put up like two hundred thousand now's with four billions uh it's unbelievable i wars i.

yankees george steinbrenner mike burke mets o'connell italy kate connell york cbs barcelona olympics baseball korea texas justin norman houston ten million dollars
"ten million dollars" Discussed on KARN 102.9

KARN 102.9

02:47 min | 2 years ago

"ten million dollars" Discussed on KARN 102.9

"By the way people have asked me how much the hillary at the dnc pay for the dossier they pay minimum ten million dollars you haven't heard ten million dollars hillary i'm a dnc paid steel and in steel had to go out and pay whatever it cost him to put this thing together the fbi never told the fis accord that the dossier had not been verified they presented it as judge we got some good leads here we need to be able to spy on some people find out what's going on is a dossier here we may be in deep trouble they never told anybody of the court people say the meat rush there are safeguards it's not that easy think ever finds a warrant your overplaying this there's so many safeguards put in place it takes all kinds of people to sign off on fox where i am right now i'm i am by no means comfortable thing this when i though of i i think given what we're talking about here which is really whatever we want to call the ruling class washington establish whatever they are in a knockdown draggedout the saved themselves and i don't think they're going to be held back by rules regulations or anything of the sort the idea that something could become fully corrupted to me is entirely possible not hard to believe the house intelligence committee meets this afternoon to consider releasing a democratic rebuttal to the republican memo that alleges intelligence gathering abuses by the fbi and justice department pennsylvania republican charlie debt is one of those not happy were that gop document a lot of information seems to be cherry picked it provides an incomplete picture without proper contact he if the panel decides to release the democrats memo president trump will have five days to decide whether to concur elections officials in pennsylvania have until this friday to redraw the state's eighteen congressional districts now that the us supreme court has refused to get involved the keystone states high court ruled last month the districts are unconstitutional because they favor republicans another whipsawed day on wall street the dow open down more than four hundred fifty point it climbed back to near even and now it's down about four hundred forty points or about one and a half percent i'm richard johnson.

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"ten million dollars" Discussed on AP News

AP News

02:01 min | 3 years ago

"ten million dollars" Discussed on AP News

"For the rap break progressive casualty insurance company and affiliates coverage mentioned the by state law a rapper who has a song called sell drugs has been sentenced to three years for selling drugs thirty year old rhode island rapper michael per soid whose stage name is montana mills was sentenced this week in federal court for trafficking heroin and threaten all prosecutor say in east providence undercover detective bought nearly three quarters of an ounce of fat null and a small amount of heroin from perth wad over a fourmonth period beginning in october 2016 police said they also seized one and a half ounces of threaten all from his home the ten million dollar reward offered by a boston museum for information that leads to the return of more than a half billion dollars worth of stolen art isn't expiring after all the isabella stewart gardner museum is extending the reward for the largest art heist in us history that had expired midnight december 31st museum trustees president steve kitur says the reward demonstrates the museum and trustees remained committed to recovering the stolen works two men disguised as boston police officers entered the museum on march eighteen th 1990 tied up two security guards and made off with thirteen pieces including works by rembrandt premier they got and monet the reward was bumped up to ten million dollars last may and it did lead to some promising leads that continue to be pursued filed is hunger i already perhaps ap entertainment editor atwells gabril reports bill cosby is made a reference to the need to movement it happened the other night at an italian restaurant and bill cosby's native town the philadelphia inquirer reports that the euroc meeting comedian dined with a friend and his publicist and some members of the media where invited to tag along one female reporters says the eighty euro comedian shook her head and said please don't put me on me to ecorse dozens of women of said the qazi put them in the ranks of me to victims by molesting them in many cases after drugging them into a stupor a moscow.

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"ten million dollars" Discussed on WBT Charlotte News Talk

WBT Charlotte News Talk

01:48 min | 3 years ago

"ten million dollars" Discussed on WBT Charlotte News Talk

"Me to countersue you for ten million dollars okay because i don't know you in anything and if you if you want to send me proof of the debt and details about the debt if i can ascertain that it's mind i'll be happy to pay it but i don't think this is my dad i think you of a wrong number okay well they occidential socalled my mom so they have her cell phone number and they called endless angels among the message was that doesn't matter all they've done this research style you and some where they found a connectivity between you and your mother but they probably have the rome aaron so they worry about identity theft you might you might've been rate might be interested scam to okay 'cause they did reiterate my last four of my social and it was correct really yeah while that's interesting thing she she asked me to verify in well before this the last four and you know she said it i said she gave it to you you didn't give it to cut it to me yet okay well that's fine just say you're going to need to send me a here's what i would do if you wanna call him back onto the sat or in so i would say under the federal fair debt collection practice as act i am formally telling you to shin me proof of this debt and the details about it when i ascertained that it is legitimate i will pay it instantly until then i want we're going to sue you today good show me and i will counter you for ten million dollars because under the federal fair debt collection practices act i have just given you a formal demand for proof of debt okay just get all up in their stuff going to tell you the company to call ju is scum of scum if you go on ftse's website federal trade commission dot gov dot gov you're going to see how many times i've been nailed and find the horrible should i be worried that.

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"ten million dollars" Discussed on 77WABC Radio

77WABC Radio

02:24 min | 3 years ago

"ten million dollars" Discussed on 77WABC Radio

"Mix in barcelona by i got off her to do the yankees a number of times in the early 70s abide mike burke who you present before cbs still the team to george steinbrenner for ten million dollars permanent us right and i think george put up like two hundred thousand now's with four billions uh it's unbelievable is it sounds good well thank you you know i always i've tried to call you you said something wasn't that long ago that i heard in the morning i love to listen to the i missed in the morning program and he said something i thought was very meaningful and i wanted to call but i didn't have the hotline number so i i didn't get to you but i i did want to call you about yet in the appreciate it what you said uh what am i saying well you know for the life of me i can't remember what it was you said but i do remember at the time i said to myself after all these years the man has actually said something meaningful sounds great don well thank you you know i always i've tried to call you you said something wasn't that long ago i heard in the morning i love to listen to the i missed in the morning program and he said something i thought was very meaningful and i wanted to call but i didn't have the hotline number so i i didn't get to you but i i did want to call you about that and uh pre she had to what you said uh one of those saying well you know for the life of me i can't remember what it was you said but i do remember at the time i said to myself after all these years the man has actually said something meaningful strongest please you ever oh boy anyway she's going to be indoctrinated today and hopefully she'll have world leader illegal pelted police say let me see if i can find him ladies and gentlemen the best of imus in the morning things dan i've found my three oh no man no do you ceo long blueberry good trai no way go three ladies and gentlemen the best of imus in the morning i do i've found my three oh man no the new ceo law blueberry good trai no way though wear.

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"ten million dollars" Discussed on KKOB 770 AM

KKOB 770 AM

02:00 min | 3 years ago

"ten million dollars" Discussed on KKOB 770 AM

"And i are beads to incentivize business is because our tax structure so bad irbe's are in it are on a way around that tax problem that we have in this state that creates a bad working work environment were having to come back and retroactively fix it from a city county an and state level let's move onto dan lewis well it took i'll take amazon jobs will also took a jobs from companies like a general atomic sued the coo was your last week and said because of our by the way one of the largest private contractors for directed energy and he said that he come into albuquerque because of our investment in our tech environment here in albuquerque right now you know the council had some foreside a few years ago to add a ten million dollars and bleed of funds in a proud to say that that that of that ten million dollars the company's twothirds of those two the dollars that we've spent have not gone to attract and companies and doing a closing deal on companies like tussle and others but they've gone to local anthony is to help them expand like scorpio's unlike wrist since and some of those some of those companies that are local homegrown companies but we have to keep our costs low and blow by the way i will reduce regulation on business in the city by twenty five percent there there is at least 25 percent of the regulations on small businesses that create the jobs in the city that we apps lead don't need and wealth goes where it's welcome and it will leave where it's not welcome and there's a lot of wealth us not come here right now because it's not welcome here because of the the regulations that many of these candidates have champion than you know what comes the sick leave act and others you know that you can have a both ways okay guest same question so what are we not tapping into the first thing i want to suggest suggesting here comes the crazy idea is if we legalize marijuana marijuana's a municipality we immediately open up a job market with jobs it every single education level and it actually help stabilize communities that have previously been marginalized by regressive punitive laws furthermore we legalize it as a municipality we get to decide where every single set of tax revenue goes for one year while the state.

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"ten million dollars" Discussed on WIBC 93.1FM

WIBC 93.1FM

02:23 min | 3 years ago

"ten million dollars" Discussed on WIBC 93.1FM

"Reporting maybe not something else that took place on daily caller is anybody denying the reporting of luke rosiak that's what makes comments like this and social media so absolutely positively horrific and that's why guys like this dr cornelius on twitter can't really get my respect because they are unserious about the issue at hand they would rather go for the attack the slice in dice the tear apart the tear down rather than deal with the reality did they put this out and who is who would any organization be to the that their in fact there anyway take a look at the reporting is able to challenge the reporting what are the challenges are they on specific subjects are on the on the entire conversation as a whole no no no you get generalities like this embarrassing stuff and i'm very happy to pointed out because when you see stuff like that give i go suspects then anna was the reporting valid yes or now and jj watt announcing he's been doing a lot of fundraising for the people down there in southeast texas they have across the ten million dollar mark in fundraising this started to three days ago with a goal of two hundred thousand dollars that was easily surpassed in a came a million then two million then four million than five million and now they've raised ten million dollars i i'm going to be watching this very closely because the eu's utilizing your celebrity and utilising that that social media strength to to do good i think is wonderful and terrific and people want to give up their money of their own free will i am a huge believer in private charity as opposed to government force i i'm thrilled by but jj wad says he's going to with his people do the distribution that's the pardom watching because that can get ugly and i just hope for his sake it doesn't i hope the people are prohibitive you don't get into all sure these people gone over here but we didn't get over there i don't wanna see that for him or anybody else who's trying this heart ten million dollars right amazing amazing a made an amazing in such a hateful davis of country like the united states await were not that's what i thought here's what's been overheard over her half.

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"ten million dollars" Discussed on REAL 92.3

REAL 92.3

02:43 min | 3 years ago

"ten million dollars" Discussed on REAL 92.3

"You a shot at ten million dollars from the voice ten billion bank rope is going to get a he of phone tap on the teens right here man this will lead to calls a grocery store to complain about the size issues of the checkout lines is going to get and we're not talking about there's multiple pewee tumbled the actual sizing of it is what it is he a phone tap all the teams ready a real ninety two three la's home for hip pop big boys neighbor ars thank you don't my name is looptheloop buffet and i just wanted to talk to you about a scituate to map out of failed to rise above that happened over at the store okay okay now you don't wanna when you come in certain areas where large individual can fit through what was it if you don't understand but i no i'm just wondering what it was good thank terror big enough the average person that's what you're talking about right now i have i have customers of all sizes counter we're here here in august with the checkout line it's largeboat windowrama wide hip individual almost my fuzzy fantabulous and fourperson of moslems to go through there from todd i must say the goahead it would create more handy sure we can do that do you understand what i'm saying norman large individual right well i am to what you're probably not as large as i am a lot of people they tend to see overweight people or fit people or whatever they say my big call fed everything from there on for the top to bottom gory of mass to be a give funky wide you've got him now when i brought a big maybe there could years he said i'm like i needed it no man my name down on hamas just call me a male i'm sorry because of families unfair my fault all my phone shh after buried nate mouth i don't here on the floor by love dominion give me like a coupon of when i some hostess or something well now uh i want to make sure that you're satisfy would i come here is say hello to yo fair farm here okay.

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