15 Burst results for "Ten Thousand Cards"

"ten thousand cards" Discussed on Your Own Pay

Your Own Pay

03:18 min | 10 months ago

"ten thousand cards" Discussed on Your Own Pay

"They were buying yup. I'm problem and then i'm going to address the play when When we drop them off. Marcy is one of our superstars. Well thank you marcy and It's always important to have those volunteers absolutely true absolutely more people. I'm sure you have a lot of volunteers helping you out alex. I'm sure you folks wanting to know the volunteers are the backbone of the campaign. No doubt about it. These also have braille all. I often seen the braille on these cards. I confirm i believe we believe that they will have some braille on the me. I think we've I've been putting them on our palm cards and on our postcards so i might have arthritis by the end of this campaign. 'cause i think i thought about ten thousand cards but i think it's important. Yeah ray any other. We have seen three or four. More people for up is phone number ending in eight forty four. You are muted Do you hear me. Yes steve mendelson. Yes right alex Hi i'm with the recreation visually impaired attorneys. I'm particularly faded. Both whether you're running for office and they later going to invite you to address conference on monday if well but my question right now has to do With what would be required. Or why isn't the case that Disability has become a political issue in the way that Racer gender Has been and i think. Part of the reason is because so many people with disabilities actively reject self-identification asking people disabilities. And i'm wondering if you're a campaign has any effect where was likely to have any effect your view in In bringing people to a more positive and more activists conscious of their disability in relation to what government and participation political process can do for them. Steve no thank you for the equestrian. It's a really important one i you know. I think there's a few factors. I think that as i said you know. The disability community is the largest demographic minority in america. You know probably about twenty five. Twenty six percent of adults from the best that i can tell have one form of a disability or another but i think we all know the reality of those values are very different. Right whether you're blind or you have a chronic illness or use a wheelchair or whatever the case is you know the reality and the needs that you have as a result of that are very different and so you know while you know a very small percentage of of people. Have you know any one of these individual conditions you know. I think we as a group are best when we are unified right and i think whether the fact that there isn't a wheelchair ramp in a building. Now that doesn't it's not something at this point in my life that i need somebody who's blind. I'm able to climb stairs. But i need to see that as something that impacts me you know in the fact that something that benefits somebody from. Who's death hearing that. That's not available. You know..

steve mendelson alex Hi Marcy marcy alex arthritis Steve america
"ten thousand cards" Discussed on Heartland Newsfeed Radio Network

Heartland Newsfeed Radio Network

05:03 min | 1 year ago

"ten thousand cards" Discussed on Heartland Newsfeed Radio Network

"The gave away a ken griffey junior now. Yeah we gave away. The tops traded tender generic. Psa han really nice car right now. We've got a giveaway for patrick mahomes autographed jersey Free just fine Right there and a great opportunity where where we're kinda grow our Our base a little bit. Make sure to give the people what they want talking to. Michael rueben of auction of champions aachen of champions dot com. Look at a businessman. I'm not so. Tell me if i'm making a mistake you're not About five ten seven or eight nine ten years ago friend of mine just didn't want him his car so he gave me like five to ten thousand cards that were being eighty seven and ninety two. Okay baseball cars. I've gone through and take it out. What would i call of. Course they're taking up the hall of famers. But i've taken out like the joe carter's maybe the semi stars maybe hall of famers of the future. Is that a good investment right now. They're not worth a whole lot but years from now. If i'm still alive my my wife has a are gonna be worth a lot more. Let's say between eighty seven. Ninety two if carter becomes a hall of famer if some of these other guys who were close become a hall of famer. They're worth much more. So is it a good investment or my wasting my time Eighty seven hundred ninety. Two is is rough air. I remember alice's palm at the junk here and that that's see. I told you i wasn't a good business man folks talking to my oxygen. You've broken my heart. Right here across america and around the world auction champions auction of champions dot com. And there's so much talk. But what about air. Cards not saying a. r. a. r. folks. I'm talking e. r. or air cards. Tell us about some of the. The weird ones are the ones that are worth the most. I remember that my dad had old. La ram defensive. Back we'll sherman air card. They didn't have the right name or whatever that maybe they had to run a photograph. Tell us about air cards. Especially when everybody's racing put out a lot of cards may nineteen eighties. Found a lot of the the The famous ones the two most famous ones in my mind for both the nineteen eighty nine. You have Murphy and be reverse negative Upper deck card And half of the cars that they printed but they just had the the negative version of it so he's turns into a right handed batter bad last week. That oh my gosh all right. So we know something we haven't talked about. I very seldom talk about. Because i have Few of them. Although i used to subscribe at the hockey news for only thirty years. What about the gretzky cards. What's the most valuable wayne. Gretzky card is go up. Also as the mike trout did as the Five point two million mickey mantle nineteen fifty. Two card has has gretzky card. gone up in value. But gretzky how we just saw justice Bass couple of months than nineteen seventy nine Ott wayne gretzky rookie. Psa plan sold for over. A million dollars You never thought that a a part with gonna break at seven seven figure barrier but but a pass that and and when When the top of the mountain kinda hits that teague at lowe's on downfall the cards the that normal people that that we have we can actually avoid the When he's actually on the the king's instead of the oilers so their car and so the gretzky definitely great Great pick up at this point in about thirty seconds right now you mentioned the is not a car but you mentioned the patrick mahomes thing but just put it in the terms of cards that you're also having people bid on is it a good investment. I mean it seems to me to be one of the great investments of all time. If a mike trout card from only ten years ago can be worth three point. Nine million either are people were crazy or it's a great investment. It's a great investment. Right now you can look at the top of it right now but these are some great cars and people are making a lot of money on them We see card going up doubling tripling even more than that over a year and so there's a lot of money be in this in this field. Hey michael ruben. This has been fun. I do watch. Alex krantz on auction of champions dot com oxygen of champions dot com. You're the guy behind all the cards out there. You know as much as anybody. I've ever talked to so folks give auction of champions dot com a good looking. I think you will not be disappointed. And i certainly wasn't disappointed in this interview. You were fantastic. And alex.

michael ruben Alex krantz Michael rueben Nine million five ken griffey america ten thousand cards wayne alex last week Two card two million thirty years ten years ago three point Five point nineteen fifty patrick mahomes ninety two
"ten thousand cards" Discussed on 710 WOR

710 WOR

12:44 min | 2 years ago

"ten thousand cards" Discussed on 710 WOR

"C. news radio station where it eighty degrees at seven oh five was raised in New York now he's talking to New York Spock's accident policy seven ten W. we will get into drew Brees with the best quarterbacks in the country who has had to bend the knee today and also the new York times now backtracking on publishing an editorial about how to get our cities safe from senator Tom cotton but first that's coming up later this hour we have Mister Bernard Kerik former police commissioner of the city of New York at the NYPD Bernie great to have you Sir Zacks books he Bernie what the heck is going on here your your running the NYPD I had a tough time in the city's past I remember it it was it was right it was rough but I don't ever remember mid town Fifth Avenue boarded up like it was being hit by a continuous hurricane and and you know looters and and vandals running around with the NYPD looking helpless what it what do you see happening here the difference is what the mayor today this is a what weighing the latter cold you know ideologues and I worked to Rudy Giuliani that that's pretty much the difference it's all about leadership it's about management this is about somebody that's gonna number one give the cops the mission that he wants done given the backing to support indemnified and give them the benefit of the doubt when they need it that's what leadership is and that's what we'll have the an NYPD inspired to do the job made the Blasi has not done that in fact he's gone the opposite way to the point that he has said then this is these are his words he wants them to handle what's going on in New York City with a light touch now when when somebody throwing blocks but rocks and bottles and and and bricks and Molotov cocktails at innocent civilians tops police cars buildings the Scrabble Schmidt polite culture is not gonna get it and if they did learn day one you would have thought by day two or three they get it never got the yet so the bell here has completely failed this city and everybody every single person that voted for him he has failed and then the governor of New York who seems to be conspicuously absent he has failed as well because he's publicly said that the mayor hasn't done his job well to bear hasn't done his job if you're the governor and you're responsible for the state then why haven't you done your job because your job is to back him up your job is to make sure he's getting the job done your job to protect protect the citizens of New York City and and businesses and and and everything else in it and you haven't done it either so between the two of us all they do is sit around criticizing each other in this political war when in fact the city is burning quite kids but they will the seventies speaking of former NYPD commissioner Bernard Kerik and and Bernie I I want to know what are you hearing from from people that you know they're still on the job I'm sure you know a lot of folks are still we're still in still in contact with them about their sense of whether they're gonna be allowed to get this under control with that with the PD and then I'll I also want to know why don't we hear you know if it really is to Blasio has their hands cuffed so to speak so to speak why aren't we hearing that at least you know from from sources why are people region I talk to some of my guys that I know in the in the Intel division but they're not really you know they're not running commands in the precinct and they're not running precincts why don't we ever hear about that it seems like there's there's a tremendous silence from inside the NYPD if they're not being allowed to do the job so sorry I got two questions thrown at you yeah well okay first and foremost you gotta remember they still work for the better so it's not in their interest to go public to say the barriers incompetent towards I don't know I I know I'm you know I mean like you know sources with you know it just seems like we don't have enough sources within the I might be able to press the go ahead Bernie started around so so you have the command level people who are getting bombarded there are people that are getting bombarded Hey Hey what's going on but they're in a position where they can't say anything but the other question you had we use is it it's kind of funny because keep in mind I've been gone almost nineteen years which means some of these cops came on immediately after the they're already going into retirement stage they're just about ready for retirement they never work for me but I get hundreds hundreds of of direct messages on social media on my my business email hundreds a day from cops begging me to do something about it begging me to help begging me to talk to the mayor talked to the police commissioner the reality is they don't want anything from outside they said that they don't want any help from the president they don't want the National Guard well I think that's a pretty stupid thing to say the way that you're not doing the job yourself you need all the help you can get it at the end of the day somebody asked me this morning what would I do if I was there and say these gangs you know these anarchists in the in the looters of the arsonist and all these other people were out there doing what they're doing what I do but I saw the light split the thirty five thirty six thousand cops into threes I put ten thousand cops on the streets of New York I asked the president for ten thousand National Guard I put those ten thousand National Guard or the critical infrastructure of the York city the synagogues and churches the business's demanded that the real estate values have them secured up just like you do in a war zone and and you've been you've been involved in the scope have them secure world those sites in Napoli's up to ten thousand cards to go out there and do their job and and have been their job would be to deal with the peaceful protests make sure those people are safe make sure everything's once moved up to second in nineteen seconds the second a peaceful protest turns violent whether it's rocks stones bricks water canisters so you name it you know mall cop cop kills the second it goes south then the protest is over and everybody's got to leave it if you don't leave you got locked up when you put a curfew for eight o'clock at eight OO one if you're not moving out of the area you get locked up that's what happens that's what's supposed to happen fortunately that's not what's happening so as long as they're not doing their job and doing it the way I'm saying this stuff could go on for another week for another two weeks until finally somebody you know who creates a miracle and drops a bunch of people in New York City that's going to get the job done speaking of former NYPD commissioner Bernie Kerik and and Bernie there's this this slogan I've seen it at the protests it's called on on social media now you're seeing it everywhere a very a senior aide to Hillary Clinton when she was running for president has been pushing this a member of Congress now refuted to leave us push this D. phoned the police is what they're saying hi have you ever did you ever come across is that from the activist left during your career and what would it mean Bernie to defund the police how seriously should we take the people that are saying they want to do this well listen there's a couple things if you're talking about crying and I saw Allen thank you yeah Brian Fallon which is a completely irresponsible dangerous dangerous thing to say and do and he knows that but he's playing up to the Iraq because he's playing up to the radical left you have two primary groups responsible for the destruction and damage your vehicle New York City and sixty to sixty five other cities around the country and forty one different states that's the key for groups and that's the black lives matter groups in these two groups are very much like the black Liberation Army the Black Panther party oldies groups back in the seventies these anti American revolutionary Marxist groups he's got the weather underground the F. A. L. and these guys are the same exact thing and now you have people like Hillary Clinton Joe Biden Brian Fallon people like this are basically echoing their rhetoric so all all I could say about that is for the people that lived in New York City prior to nineteen ninety four don't forget it was like what don't forget what it was like when you live in a city where nobody wanted to live work visit or go to school because they didn't feel safe where mothers were putting their base of bathtubs to protect them from random gunfire where they were slaughtering black men a black kids at rates like nowhere else in the country don't forget what that was like because of the far left if the radical left gets what they want you're going right back to where you came from prior to nineteen ninety four speaking of Bernard Kerik former NYPD commissioner Bernie the word from Joe Biden is that you know he's on board with with the wokeness now and and you already have Los Angeles saying that they're going to cut the LAPD budget I think they said a hundred to a hundred and fifty million dollars so they can re invested in the community if if you know the Blasi oh I don't think he's I don't know maybe he is that crazy but you know the blouse you're that crazy if you cut a hundred and fifty million dollars at the NYPD budget what happens well you lose manpower you lose resources and those that you know especially in a given today's day and talk about losing that battle our results in increases in violent crime increases in border which leads to increase in poverty which leads to decreases in economic development decreases in real estate values increases in welfare there's only one way to make the cities flourish and that is to make sure they are safe and secure can you start taking that those resources away from the cops that turns it slips back to the way it was thirty forty years ago in the cities will be nothing but burnt out shells just like New York City Loews prior to nineteen ninety four with Giuliani took over it's already happened you had to do it eighty two shootings ten twenty seven date Chicago in forty eight hours last weekend Baghdad didn't have that many we'll say burning for that you go I just I I mean I want to ask and I want you to shoot straight with the people all across New York in the tri state were listening right now are you confident that New York and get back on track here it's a good idea of what to do you could do it at the right leadership well I just don't think they have the right leadership and until they do but it's going to change former commissioner Bernie Kerik everybody Bernie always appreciate your perspective thanks so much for joining us tonight thank you guys hi I made a note all these back to the blouse you know that that complete complete jackass I am now here we are now and we're we're wondering what it's going to be like in the city either I'm here in the the reports so far it's the same thing every time folks during the daytime it's a mostly peaceful or entirely it's really entirely peaceful all the time in the day entirely peaceful protest and then the sun goes down and it's harder for law enforcement to.

New York Spock Brees new York times senator Tom cotton Bernie Mister Bernard Kerik NYPD Sir Zacks
"ten thousand cards" Discussed on MyTalk 107.1

MyTalk 107.1

09:38 min | 2 years ago

"ten thousand cards" Discussed on MyTalk 107.1

"Oh seven one I'm mission and maybe showing a man from remax results is with us Shelly fares from Sierra Pacific mortgage is here been talking about some away some of the ways to debunk some of those credit miss but before we get back to that I know we got a red hat house of the week all right miss shown in your over my neck of the woods what do you have for us this week our hot today eighteen no one Winnetka Avenue north and the beautiful city of golden valley yes yes we're on the west side so this house is fantastic I'm not even going to kid you it is so perfectly situated to dining shopping schools parks you can even walk to a farmer's market and close to medicine lake if you know where that is yes and it's perfectly situated for easy commutes to downtown and all the neighboring cities I mean close to buses if you don't want to drive then and this one is a split entry but it doesn't feel like it it feels like a two story because when you walk in you've got this expansive landing so your four year is huge tall ceilings it's unbelievable and when you walk up to the upper level it's gotta be you beautiful open floor plan and it's got an updated kitchen with beautiful floors clean white cabinets stainless steel appliances in the restrooms are lovely as well about those things yeah bathrooms are beautiful and there's three of them and they got all this updated tile work just like you were living in a hotel or something so you definitely want to check that out it's got two wood burning fireplaces so you can cozy up this winter and it's got a dining room a separate one off of the kitchen too nice living rooms one I'm on the top in one in the basement and the master is absolutely massive it's huge and it's got beautiful open windows it's got an area for a vanity and a walk in closet and also a private on suite full bathroom absolutely amazing if you have those those teenage kids were you just kind of want to go you live here but we don't live on top of each other that's what I feel like this yeah you could like cigarette Frederator in that back bedroom is it's awesome for real and you've got to check it out we got it affordably priced at only three fifteen and you definitely want to go to our show page and check out the link for that it's eighteen oh one Winnetka Avenue north in golden valley in an estimate for a monthly payment for that would be right around seventeen hundred dollars wow and so when you go to the link you can are actually also check out the drive time calculator and that will tell you how long it would take to go to work from a different time depending on what time of day you leave and so lots of other good information including a market mortgage calculator we definitely encourage you to call Shelley and get that mortgage calculator out of her brain right here she's going to give you a hundred dollars to do it right right be sure and check out this beautiful home and that is our red hot house of the week well I've been talking about some debunking some credit myths and so I think that we don't really understand how quickly we can affect our credit and make it go up or go down you think that you're right I think that you go all well if I do this route if you pull my credit is immediately going to go into the basement and be in the toilet and so that's all we know is how to make a bad right but we don't understand how quickly it can get better if we have this the council of someone like you should absolutely yes that you're exactly right about that people think that it's stagnant I had my credit pulled two years ago and was terrible so I'm destined to run forever alone you know no no no no no no no no okay how it works so I do get a kick out of there is a commercial around for one of those credit apps right now where they have this boosts thing apparently were they pull up their little app and they just hit this little button and it boosts their credit score things that would really work I wish there was a lot of those buttons and things in my life yeah on my phone it worked button button button kid won't eat dinner yet but who's going to clean my bathroom but is that it does get better is just not necessarily that easy right right exactly so so you know when people say things to me like my credit was terrible then I'm just destined for you know bad credit you know I I remind them that it affects everything your credit score affects what kind of car loan you're going to get hot what how much you're gonna pay in car insurance what it just affects everything what kind of credit card you're offered everything it affects everything so you need us but scores so that I can help you get a good score because did you know that it changed every month based off of like what you owe and what your credit mix is and how much you owe on that credit card versus what the limit is and then if you pay that down the next month now it's a whole new number because new information that it's assessing let's talk about that so let's just say that you've got a credit card with a ten thousand dollar limit and you have a habit of maxing it out and then paying it off is that good or bad so on you know I'd like to do this we will not Max it out but you know I dig the points that's what I'm after I'm going to points points but if the if you Max it out and then pay it off and then Max it out and pay it off you're really not telling the credit bureaus that you know how to manage debt you're telling them that you know how to Max it out and pay it off why it's not really managing that so what I'd suggest that to that person you get it and where the problem comes in I'll back up real quick is that depending on when I pull that credit report in the months are you maxed at that moment or have you just paid it off right in the middle where are you at with it doesn't show like a longevity of right so most people would think you know I have the ability to pay that off some golden exactly so it's not necessarily gold and it depends on when you pull exactly it is that I sometime to do that so so your payments due on let's say the fifteenth and is it takes about five days to pull so let me get can you do like any kind of calculated timing of this it's great I love it yeah I know so not really I mean okay because every credit card reports at a different date of the month to the credit bureau so it depends on when that rip and information is reporting what I generally tell people is if if I happen to pull it and you owed nine ninety nine on that ten thousand card or whatever then I tell them okay here's here's what I want you to do is you know you're just paying it off anyway every month so the next thirty days let's live on more of your cash instead of on your credit like you're used to doing then as we get closer to the end of the month when we see that your balance is closer to the bottom versus the top will pull then okay and then we're going to have a better and you know I can even do a simulation in my credit bureau toolbox it lets me say okay he only owes three thousand on the credit card now what with the score be pushed the button right next or have a bye yeah but it's also but I guess that that part of that so and they're the reason why it's kind of counterintuitive is that part of the reason why we get these credit card deals is I want to rack up as you said I want these points I get these perks they get this bonus for doing these things and so you forget that it's like okay for a little while I need to retrain myself right because the perk I get is that I get to get a better rate on a home loan that's right if I don't get these things right maybe I won't get as many you know discount points next time one by Paul McCartney tickets right or something but it's like what do you actually get on and when I pull a credit report it's good for four months okay go back to regular life I can't not like you don't get to use that credit card I think that's another device okay I think all my gosh I'm so used to using my credit cards every month and if if I try to buy a house there she's gonna tell me I can't credit cards and now I'm sunk no no no but wouldn't it be great to actually know what you need to do as opposed to just guessing that's what I'm saying to myself it's like yeah I can kind of do all the Google research I want to but it would be nice to just have a finite plan right from somebody who's been doing this for many years as an expert by calling Shelley and get your hundred dollars for thanks that and I think that that's always fair too because a lot of times we don't even like I'm glad you said it that way maybe because it doesn't even occur to us we're guessing we don't know we're not experts in this we think we know and then you are getting yourself in hot water because you think you know yeah can you really tell that's right yep and when I Google that problem that I think I have it said this while that might not have been the right thing to do depending on what you're right above that so you have to you have to let me do that zero first program where I do the soft credit pull because I can not only then see what's wrong but I can tell you what to do and that's what the apps don't tell you and that's what the Google doesn't tell you directly specifically to your situation this is what you need to do well we appreciate you being part of the red hot real estate show you can always call us at six five one six four one one oh seven one especially today you can call and get your credit questions answered by saucier Pacific Pacific mortgage's Shelley Ferris and we do have taught Tiana on the line Tatiana thank you for calling that's not gonna you have a question about your credit is that correct yeah okay so what had a Shelley and Mimi are here to help okay so I have a question I've been looking online never got it the answer about why.

golden valley remax Sierra Pacific
"ten thousand cards" Discussed on KDWN 720AM

KDWN 720AM

09:52 min | 2 years ago

"ten thousand cards" Discussed on KDWN 720AM

"My day so people that I can relate to their situation because I think it undermines the experience that they may be having which is their own unique and very personal experience but in this instance I feel as though I can relate to what it feels like to have your world suddenly stop so while we may have found ourselves in similar situations albeit for very different reasons and circumstances I still believe that some of the emotional struggles are very much the same and so I do have empathy for what it feels like to suddenly be told you can't go back to work or that you might lose your job and this situation is you have absolutely no control over okay first of all you you peta filed dope you're telling me you didn't have control over your own sexual feelings when he decided to hit on the pads give me a break how does he have the balls to even say something like that publicly let alone privately many of these people by the way probably all of them that are struggling financially because of this pandemic this wasn't their choice it wasn't because of their behavior it wasn't because of something they did it you sexually assaulted children it's the reason why nobody in Hollywood wants to go anywhere near you what's next Kevin do you want to compare Harvey Weinstein two people in this crowded bars pandemic should we ship what do you want Kevin you want sympathy you **** EW belong behind bars you're a child molester that's what your cabin yeah also happen to be an Oscar worthy actor your a pet a file and you want to employ you want to show empathy what you show empathy empathy for the children you touched under underneath their clothing what you feel empathy for them why don't you feel empathy for your former massage therapist who you tried to have sex with what you feel empathy for all the children thank god knows how many other children you will lasted in your life but you want people to feel empathy for you and you want to make an analogy to what you've gone through and not being able to work because nobody wants to go anywhere near you because you're disgusting child molester you want to compare that to those and by the way Kevin Spacey has boatloads of money boatloads of body he is set for generation and generation over all the money he has made in his acting career don't you care compare your situation to the businesses those business owners those people that lost their jobs I don't care where they work at could be casino dealers could be a a waiter or waitress anybody don't you dare compare your situation to what these poor people are going through throughout the country how disgusting is Kevin Spacey as a human being not just for what he's done to these kids which by the way I believe all of them not just for that but now he found it in himself he had this wonderful idea you know what let me get back in the public eye you know how can I get back in the public eye you know I could really empathize with all these people lose their jobs she's the same way because I was touching I've got a I've got a great idea I'm gonna take my perversions my self inflicted results that have destroyed my extremely successful career that ruin my reputation with the entire world due to my perversions and I'm gonna relate those two the thing is that the majority of the cut not through with the envy of the world basically is going to right now that outside of maybe a couple of sciences in China the Chinese government was not their fault I got an idea none of this is self inflicted we didn't ask for this we didn't realize we did we didn't make any crazy decisions like like trying to touch a fifteen year old boy to get in this situation it's not even remotely the same comedy I got an idea I got into a career idea for Kevin Spacey ready for this here's what I think if there are any directors or agents out there listening I have a role that I think Kevin Spacey supply forced Kevin Spacey to game three hundred pounds have them play Harvey Weinstein and then when the movie's over let him die of a heart attack I think that's what we should do what you think about that I think that would be really well I think it will like it it's not a terrible idea okay three hundred they're both bald basically bald false sexual Salters yet right well it will have no issue actually acting yeah it's our necks who is a human being yeah Kevin if you want to get back to work stuff your face with about ten thousand cards every day get really really fat look like Harvey Weinstein which you have to really badly you don't need the Walker you can use the same steps that you use for Kaiser so say I think it is usual suspects hop the fact that he's a great actor I think he would play Harvey Weinstein very well because he's very good at playing the part of a man who sexually assaults people in this case would have to be boys not women in Hollywood and then forced him not to lose the weight and let him die of heart disease for all I care because any anybody who molest children in my opinion should not be alive so that's why if you're a director right now throw that pitch to Kevin Spacey you might want to leave out the death part and he didn't he didn't just small molest children on his own he also used those underground organizations like Bryan singer who was the first ever spider man director was a part of and then there's there's kind of a Hollywood cold if you will that had this particular home where they would have these boys go to this home in river river has the Kevin Spacey was actively involved in that it was it was basically trafficking of young boys throughout the industry that having had all these having all the sexual deviance you know basically use them for their own personal satisfaction can you imagine if you're a professional masseuse in Hollywood and you have to private clients and and you know you're straight man doesn't really matter if you're gay or straight but when it comes to sexual assault but just hypothetically speaking you walk in the Kevin Spacey home very famous actor but your professional you're just doing your job you're given the minimum size and all of a sudden Kevin Spacey takes off his towel and starts fondling you I mean what do you do do you beat the crap out of them I I don't know like how do you react to that you call the police what do you do in that situation you have a very powerful guy a celebrity who I don't know where and that's part of his masseuse has died recently sadly but is misused their energy that so that's exactly what happened of course you're honored you know to be able to be the same press to someone like that not knowing what his actual intentions are so I it that that is a tough situation if it was me I would probably resort to violence or my me never to give him a son what would you think you would deprive reminded everybody that the size yard under those circumstances I mean this guy's so you're telling me that he's groping me want me everyone was so shocked to say the least I would I would grab you I would not know but hypothetically that Kevin Spacey is is groping me while I'm giving him a massage what I don't know that that's a that that's a tough situation I wish all my dates would go that way I'm not yeah that's a horrible joke but no in all seriousness of that self inflict if somebody did that to me at first of all I I I I call me you can call me homophobic if you like I'm not I just would prefer not to get a massage from a man I don't want a man touching me all over my **** that's just be personal preference that's number one and number two but if you're the masseuse though giving him a massage I wouldn't I wouldn't feel comfortable doing it either and it he tries to sexually you know fondle you how would you react I said I would probably most likely resort to violence because it would be such a weird thing either either that or call the police one of one of the other that it's tough to prove something like that but I would probably threaten to call the police and or I would expect him to open up his pocketbook and pay a lot of money to keep my mouth shut one of the other but either way I would do it you extort him if I have to yeah okay I absolutely would with the man's got a lot of money you know absolutely you know the only reason that spacey's probly not injured in prison right now is that the charges were dropped in Massachusetts because the accuser took the fifth on the stand right and I think a couple of others accusers I died actually passed away I find that I find that extremely odd don't many many accusations including like you said fourteen year old Anthony Rapp back in the day out just just run the jail cell Kevin Spacey just just go away or play Harvey Weinstein and then die of heart disease for all I care just go ahead and watch any Kevin Spacey movies again the you see before out sense all this and I haven't seen seven in over a decade but it was on I think it was on HBO last night so it's a great movie by the way that is that is a wonderful movie I do have a Kevin Spacey autographed eight by ten photo I think the only reason why he signed it and sent it over to me is because I was a little mailed kid that service officers I was a twelve year old boy that's Rachael's alors actually a very very good chance of that I was a twelve eighty four I was a twelve but they got it and sent my picture would have me over for drink most likely yeah your sexual deviant Brian that is true I have a sexual deviants but as a twelve year old boy how different kind as a twelve year old boy as a forty year old man I don't I you know I've actually I've watched usual suspects I've watched seven I've watched American beauty and I watch house of cards since this happened you're so I'm still a Kevin Spacey fan as an actor I I I admit that he's a very very good actor it was to us I love her producer by the way is cracking up when we get a call or calling me a sexual deviant and any he decides to throw that in there I think that I think your sexual deviant Brian I am by the way she's right I am yeah that's true for more time to show I would be a very very happy guy Kevin Spacey die of heart disease just go away all right we're gonna take a quick break and when we come back time for some hate mail if that what if you can't feel like that if you like hate a time for a little bit of hate mail coming up next it is the biggest take we'll take a quick break be back right after this with the hate mail on one a one point five FM seven twenty AM Kate on geico presents again another voice mail from your roommate a man.

"ten thousand cards" Discussed on AM 1590 WCGO

AM 1590 WCGO

03:33 min | 2 years ago

"ten thousand cards" Discussed on AM 1590 WCGO

"Get an eight it's an eight episode podcast at Ramsey networks easy to download from any podcast anywhere you get podcasts out there whether it's apple or Google play or whatever it is you're using Spotify wherever it's at it's a all of them you can get it all and you'll hear a lot of comments from Anthony Tyler is whether scholars in Michigan I Cuyler welcome the Dave Ramsey show thank you for having me on the number you entered into good how can we help well so I recently started your baby steps I had to actually restart baby step one I had that done it was done to I only had about twenty five hundred mask are great baby step two but had to tap into my savings to it's electric car repairs down so I'm working on now but my question for you today is I have a year left on my sleeve and next year I should hopefully have this all goes to plan about ten to fifteen thousand saved up for a car and I'm wondering what you recommend if I should use that call to purchase a used vehicle in cash or step down in vehicle until around five thousand use the additional money that I have put that in as well into an emergency fund how old are you calling nine twenty seven twenty seven how much debt are you in right now about twenty five hundred twenty five just credit cards no student loans no student loans and you're talking about putting fifteen thousand I was into a car ten thousand me ten thousand dollars into a car in coming back and paying paying off the debt that I hear that correctly well I would be paying the debt off before I purchased the vehicle after I finished it is a matter how much you want me to put ten thousand the car and then start your emergency fund or do you take five thousand on the car and five thousand on the emergency from I'm doing five thousand on the car five thousand emergency fund I mean you're young you're you're a smart kid so right now I'm going to say do five thousand dollars not been honestly it's not rebut them out despite a reliable car you can actually possibly find a reliable car for twenty five hundred dollars a caller so do the research may get out there and see what you find in the confines of the twenty five hundred you should be able to get at least two months in your babes at number three with seventy five hundred dollars at your age right now yeah so the principal color that we're using to answer the question is that a five thousand dollar car is a necessity or three thousand or something whatever and there you know a basic car is a necessity the difference from a five thousand our car a ten thousand dollar car is a luxury yes and we don't do luxuries until you have the emergency fund in place and so because you would be at baby step three doing your emergency fund buying a nicer car is not an emergency from five to ten jumping up from South America ten thousand cards not in some emergency show Anthony's exactly right that's why we would say let's go and do the five K. car and put five K. in your emergency fund and then let's get that emerge from built up if you want to step back up in Carl further later than you would save up and do that you know add to it later in a year a year and a half something like that you're gonna be in a position to do that Layla is whether Selena is in Arizona hello welcome but I ran he shot I am so excited to be speaking with you you too what's up well you're not you're guiding I work at.

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"ten thousand cards" Discussed on ESPN Chicago 1000 - WMVP

ESPN Chicago 1000 - WMVP

04:41 min | 2 years ago

"ten thousand cards" Discussed on ESPN Chicago 1000 - WMVP

"Thousand back inside the odds couple on this Friday night we do each and every Friday don't forget to find the podcast on the all new PSP and for caramel apple hit us up on Twitter Mike is that north the north I'm a common to Falco simple as that we're going to talk to our guy Jim Miller from Hajin in just a little bit he had he's given out winners each of the last two weeks Mike so that's good all right he's unbelievable right now he's doing a good job in the worst recent business is alive and well to start to get the sports books ready to drive like that Hey by the way Randy okay all right Rainey marking our producer I rolled some of my horse winnings into the it's a gift for his children last Saturday aha I've been to weddings that were not as much fun it was nice room Jackie Mason performed Jackie Mason Arians just there's not a kid there that wouldn't know who Jackie Mason was but I think the adults might have enjoyed Jackie may also in the room thought he was dead and I can write and you guys were you guys before we can be thought Jackie Mason was that there was a DJ and a what they call I think a party accelerator yeah it's a different world was caught after my fifth shot she always gives you can't party party to celebrate her baby you know what I'm gonna do this woman didn't stop for three hours straight and it was unbelievable it was such a fun party and I I just bring in a given my confirmation by the way my mother turned in my confirmation money back in the day because when I went to the service if you don't know if I was coming back well that's it also member to war bonds and stuff your branch for your confirmation and everything else your baptism your confirmation turn them in and bought a brand new caddy and I don't know no not a kid if you bought a brand new car and then she turned and she got rid of my baseball cards which I'll never forget reports I don't miss Mickey mantle's did you really meant all sorts of cards your cards might have been or something my baseball card collection is worth Bob yes of course it's not eating nothing Mike I've got ten thousand cards it might be a whole set back in the day we waited till this corner store opened we asked the guy for a month one of the cards in one of the cards at the front then you get the card you need to open them up you have the the bubble gum I have five cards and your work your **** off to get our money back Mickey mantle all those guys I know I told I've told this story before too when I was a kid the card that everybody wanted was the Ken Griffey junior upper deck rookie card yeah yeah when I finally got that card and I you're talking about nineteen eighty nine every night yeah Mike I thought it was gonna pay for my kids college it's worth about four dollars yeah I mean it's it's my collection is worth nothing yeah that's what my job promotion photo from the score back in ninety two is worth for about the same time it is Griffin was more maybe one night in my home it is for sure Westgate Superbook has Tom Brady odds these are updated they still have the patriots is the favorite this is where Tom Brady's gonna plane twenty twenty I think sol patrons or wanted to still the favorite Titans are their second choice at ninety two then you got the raiders and the Chargers at eight to one there's all this buzz about the Niners the Niners are twelve the one after opening at one hundred to one day have gone they did if I'm either I'd flop I'd swap in the five dollar check all right I would keep Jimmy G. there don't you think watch Jimmy G. all out war it only makes sense okay so forty Niners sign Tom Brady are they treating him right back to the knowing the patriots what absolutely I think you got to keep J. Jimmy G. was one of the main deals that they got on there are you know they had a great defense and everything sure you had a bad game okay my bad quarter yeah quarter while that's part of that game could set you back I know but my god you can't get rid of him now well everybody that the Niners are twelve the one in they have plummeted because the money's coming in all these rumors the culture fourteen one the boxer fourteen to one if you go down one percent no snaps doesn't play thirty to one the bears are a long shot and I'm sure they taken some money just because bears fans are nuts about this stuff but the bears are one hundred one Tom Brady never went through the courting experience in his life okay he's going around in forty two years of age being courted he's going to give my opinion to knowing I think you're right it's still the one to two favorite you know it's like a girl born up to Hugh Hefner saying you know what I want to be the pin up for off for hustlers right or for penthouse are you kidding me you know what the number one franchise back in the day come on Westgate's VP of risk management told ESPN dot com that they're going to let you know yeah they have a VP of risk manager is seen as Everest.

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"ten thousand cards" Discussed on WFAN Sports Radio_FM

WFAN Sports Radio_FM

04:54 min | 2 years ago

"ten thousand cards" Discussed on WFAN Sports Radio_FM

"You Chris I I just Wayne I am old and I have to tell you that I hope you're going to be okay if we don't talk about sign stealing meeting for the I noticed that you've been certainly on Twitter you know at least chiming in on the subject so it's not like you wouldn't be prepared to go over it but we want to we want to concentrate on the book and on the amazing forty years have passed since the book wanted to put out the boys of winter it actually originally came out for the twenty fifth anniversary in two thousand five and low willow we here we are fifteen years later with the new fortieth anniversary edition with a new afterword by the great can Morrow yeah and he had a pretty good nineteen eighty one and he went right to the islanders and won the first of four Stanley cups don't get much better now now it's pretty good and actually what can't can told me recently and when we were working on the afterward that he has gotten in this isn't as great a player as he was of stalwart defenseman he he was not remotely one of the big names on the team he was sort of a quiet hero and ends can Morrow said that he has gotten probably in excess of ten thousand cards letters photos people telling him where they were and what they did in in that moment and it's just it's really astonishing that this thing it never ever gets old and it is you know you talk about he was one of the big stars it wasn't like you know two weeks earlier when they were playing here the garden and getting a wallop that that people thought anyone was really a big star not on that team we came to know who was there the mark Johnson's of the world after you know the Jim Craig after the success of god in there it's not like we were all sitting around waiting for the game to happen and as someone reminded me you know tape delay was a big part of it yeah I mean February ninth and so to the miracle on ice the fortieth anniversary is now is a week from today February twenty second February ninth nineteen eighty the US play the Soviets in the garden and the final was ten to three and the Americans did not win and then the Soviets pretty much put the brakes on and it's and the year before that the the same Soviet team which is widely regarded as the greatest hockey team in the history of the sport play the NHL all stars with their backup goalie with the Soviets backup goalie and they beat the NHL all star six to nothing so I mean it's it's it's just it's mind blowing that has Victor I went to Moscow to talk to Victor taken off the Soviet coach and he and I said so what about that ten to three game and he said that the players told me that would be no problem it turned out to be a very big problem yeah because they you know they violated cardinal rule number one never underestimate an opponent yeah that was six nothing after two of the garden and you know there was that way and it's interesting for me because I was just getting into the NHL at that time and getting into my hockey career I should say but the NHL players came over including FOR D. softened gas a dollar off when I was with the doubles so you know I met those guys when they came over here to play then and we already had Jack o'callahan we had brought in we had Iron brought Neil's brother we had mark Johnson so you know that these guys were like wild to me when I was a you know young broadcaster lucky enough to get an NHL job and seeing these guys play so I was familiar with them Callahan was a real character in a real funny guy and one of water run they had and what heroes they became and you already you know basically told us why this is a team that won six nothing over NHL all stars ten three over the same team you know ten days earlier crazy that that the the U. S. was able to win the game crazy yep man and it was just I mean herb Brooks genius was really all over this this miracle Chris it was he he set up he knew exactly what he was doing in scheduling in that game not only against two we did but when he did and he knew he really wanted the he he was very happy with that result in he he even in an unguarded moment later told someone that it was a ploy and and and the point was he knew that there was a great chances flavor his team would get their their **** kicked and they did and he also knew that the it just human nature I mean the Russians would think that Jesus is going to be easy and and lo and behold be holy just planted that that seat.

Chris
"ten thousand cards" Discussed on MyTalk 107.1

MyTalk 107.1

11:15 min | 2 years ago

"ten thousand cards" Discussed on MyTalk 107.1

"Red hot real estate show here on my talk one oh seven one I mission and maybe showing a man from remax results is with us Shelly fares from Sierra Pacific mortgage is here been talking about some away some of the ways to debunk some of those credit miss but before we get back to that I know we got a red hat house of the week this Shona man you're over my neck of the woods what do you have for us this week our hot today eighteen no one when that Avenue north and the beautiful city of golden valley yes yes we're on the west side so this house is fantastic I'm not even going to kid you it is so perfectly situated to dining shopping schools parks you can even walk to a farmer's market and close to medicine lake if you know where that is yes and it's perfectly situated for easy commutes to downtown and all the neighboring cities close to buses if you don't want to drive then and this one is a split entry but it doesn't feel like it feels like a two story because when you walk in you got this expansive landing so your four year is huge tall ceilings it's unbelievable and when you walk up to the upper level it's got a beaut beautiful open floor plan and it's got an updated kitchen with beautiful floors clean white cabinets stainless steel appliances in the restrooms are lovely as well about those things yeah them bathrooms are beautiful and there's three of them and they got all this updated tile work just like you were living in a hotel or something so you definitely want to check that out it's got to wood burning fireplaces so you can because the up this winter and it's got a dining room a separate one off of the kitchen too nice living rooms one I'm on the top and one in the basement and the master is absolutely massive it's huge and it's got beautiful open windows it's got an area for a vanity and a walk in closet and also a private on sweet full bathroom absolutely amazing if you have those those teenage kids were you just kind of want to go you live here but we don't live on top of each other that's what I feel like this yeah you're good like a cigarette Frederator in that back tat bedroom in it's awesome for real and you've got to check it out we got it affordably priced at only three fifteen and you definitely want to go to our show page and check out the link for that it's eighteen oh one Winnetka Avenue north in golden valley in an estimate for a monthly payment for that would be right around seventeen hundred dollars wow and so when you go to the link you can are actually also check out the drive time calculator and that will tell you how long it would take to go to work from a different time depending on what time of day you leave and so lots of other good information including a market mortgage calculator we definitely encourage you call Shelly and get that mortgage calculator out of her brain racking she's going to give you a hundred dollars to do it right right be sure and check out this beautiful home and that is our red hot house of the week well I've been talking about some debunking some credit myths and so I think that we don't really understand how quickly we can affect our credit and make it go up or go down you think that you're right I think that you go all well if I do this room we if you pull my credit is immediately going to go into the basement and be in the toilet and so that's all we know is how to make a bad right but we don't understand how quickly it can get better if we have the council of someone like you should absolutely yes that you're exactly right about that people think that it's stagnant I had my credit pulled two years ago and was terrible so I'm destined to run forever well you know no no no no no no no no okay how it works so I do get a kick out of there is a commercial around for one of those credit apps right now where they have this boost thing apparently where they pull up their little app and they just hit this little button and it boosts their credit for that would really work I wish there was a lot of those buttons that does things in my life yeah yeah on my phone Edward button button but Kimani dinner yeah but who's going to clean my bathroom but is not it does get better is just not necessarily that easy right right exactly so so you know when people say things to me like all my credit was terrible then I'm just destined for you know bad credit you know I I remind them that it affects everything your credit score affects what kind of car loan you're going to get how well how much you're gonna pay in car insurance what it just affects everything what kind of credit card you're offered everything it affects everything so you need a good score so that I can help you get a good score because did you know that it changed every month based off of like what you all and what your credit mix is and how much you owe on that credit card versus what the limit is and then if you pay that down the next month now it's a whole new number because new information that it's assessing let's talk about that so let's just say that you've got a credit card with a ten thousand dollar limit and you have a habit of maxing it out and then paying it off is that good or bad so on you know I'd like to do this will not Max it out but you know I dig the points that's what I'm after I'm going to points points but if the if you Max it out and then pay it off and then Max it out and pay it off you're really not telling the credit bureaus that you know how to manage debt you're telling them that you know how to Max it out and pay it off when I it's not really managing that so what I'd suggest that to that person and and where the problem comes in our back up real quick is that depending on when I pull that credit report in the months are you maxed at that moment or had you just paid it off right in the middle where are you at with so it doesn't show like a longevity of rate too so most people would think you know I have the ability to pay that off some golden exactly so it's not necessarily gold and it depends on when you pull exact reason I sometime to do that so so your payments due on let's say the fifteenth and is it takes about five days to pull so let me get can you do like any kind of calculated timing of this it's great I love it yeah I know so not really I mean okay because every credit card reports at a different date of the month to the credit bureau so it depends on when that rip and information is reporting what I generally tell people is if if I happen to pull it and you owed nine ninety nine on that ten thousand card or whatever then I tell them okay here's here's what I want you do is you know you're just paying it off anyway every month so the next thirty days let's live on more of your cash instead of on your credit like you're used to doing then as we get closer to the end of the month when we see that your balance is closer to the bottom verses the top will pull then okay and then we're gonna have a better at the end you know I can even do a simulation in my credit bureau toolbox it lets me say okay he only owes three thousand on the credit card now what with the score be pushed the button right next or have a but yeah but it's also I guess that that part of that so and they're the reason why it's kind of counter into it is that part of the reason why we get these credit card deals is I want to rack up as you said I want these points I get these perks to get this bonus for doing these things and so you forget that is like okay for a little while I need to re train myself right because the park I get is that I get to get a better rate on a home loan that's right if I don't get these things and maybe I won't get as many you know discount points examine why Bob Paul McCartney tickets right or something but it's like what do you actually give the credit report it's good for four months okay go back to regular life I can't not like you don't get to use that credit card I think that's another day bonk people okay thank all my gosh I'm so used to using my credit card every month if if I try to buy a house there she's gonna tell me I can't credit cards and now I'm sunk no no no but wouldn't it be great to actually know what you need to do suppose the just guessing that's what I'm saying to myself it's like yeah I can kind of do all the Google research I want but wouldn't be nice to just have a finite plan right from somebody who's been doing this for many years as an expert by calling Shelley and get your hundred dollars for an hour he makes that and I think that that's always weird too because a lot of times we don't even like I'm glad you said it that way Mimi because it doesn't even occur to us we're guessing we don't know we are not experts in this we think we know and then you are getting yourself in hot water because you think you know yeah can you really tell that's right yep and when I Google that problem that I think I have it said this while that might not have been the right thing to do depending on what you're right above that so you have to you have to let me do that zero first program where I do the soft credit poll because I can not only then see what's wrong but I can tell you what to do and that's what the apps don't tell you and that's what the Google doesn't tell you directly specifically to your situation this is what you need to do well we appreciate you being part of the red hot real estate show you can always call us at six five one six four one one oh seven one especially today you can call and get your credit questions answered by saucier for this Pacific mortgages Shelley Ferris and we do have tatty on on the line Tatiana thank you for calling that's not gonna you have a question about your credit is that correct yeah okay so wowhead Shelley and Mimi are here to help okay so I have a question I've been looking online never got it the answer about why he mark on your credit well I got that what is your choir credit score drop significantly issue actually making marks come that is an excellent question time Jenny I **** I get that a couple of times a month and I've been doing this for thirty years hi I've heard the question all locked and here's what it is I will straight up answer your question that trade line right now at the end that's what we call it a bad debt is a trade line on on your credit bureau is showing negative but it's showing negative with a long time ago date on it okay so you're so maybe that derogatory credit happens two years ago and you all four hundred dollars so if you go ahead and pay off that four hundred dollars the death part goes to zero but the date gets updated to today and that's the part that pulls your score down isn't that illogical I mean it is so not rational not logical that's credit world that is exactly credit world so you can you still do some of that stuff right you still going to do that stuff or you can't recover so don't focus so hard on maybe the fifty points are seventy five points that you'll lose by paying the derogatory if you're not going to do something immediately and focus more on what you're gonna do to keep the good part of your credit going do you have good credit cards do you have good mortgage dad do you have good payments on other stuff to not have.

golden valley remax Sierra Pacific
"ten thousand cards" Discussed on The Storytellers Network

The Storytellers Network

12:11 min | 2 years ago

"ten thousand cards" Discussed on The Storytellers Network

"You're doing the same story or bunch of times every every year exist it might be a different person but it's typically the same store you know what I mean like we're doing like it's just different That's why you're GonNa find the angle you gotta find a different person. You gotta find a different way to tell the story story. I mean in a box I probably tell the same or I have the same type of story like fifteen to twenty times a year. But it's how am I gonNa make this one different and I can tell you i. That's the that's the common I get most is at people when they see me they can actually say oh. I can see that you cared about this story. You know what I I mean I could see it in your face. I can see it in your voice. I can see when you're live and talking about something that's happened and that's the greatest compliment I can ever get because that shows shows to me that they see that I care and when people see that you care then they open up you know like they open up to you. They feel like they know you and that helps you down down the road but yes if when you go and talk to people like you shouldn't have to fake that you care you know what I mean like racially in this business like like you should care. That's why you're here. You know like so. Go and every story. Yeah like and I'll be honest meeting when I start off on the store. I don't care you know saying what is this you know and then when I get there and then I talked to the person I see them like may I walk out the door like you know now I care I care too much. Am I going to bring it home with me. You know what I mean that type of thing thing but like you know man I I mean I would mitt at me sometimes I walk into it like this again in. Meet the people and then you see no matter what story you're doing doing you see how much they care about it. And how much it affects them. And if you have to care you know you have to care. Get out the business or you don't have heart So you've got a great way into what you just said. Do I care to take home with me. I was planning to ask a man all that. How do you not take it home with you? You've you've got kids at home. You have a wife at home you have a life. How do you not go home and sit in that? Whatever it is I mean I do sometimes times in like a running joke that like when you retire like five years later? All of this stuff's GonNa come flooding back and you're just GONNA crush it. You know like it's weird because people talk to me about that all the time it's like it's it's tucked away in the subconscious somewhere you know like like somehow I'm able to compartmentalize Hartman allies it where I don't like for the most part it's just tucked away after that night and I don't think about it What most I mean there are? There are always stories kind of stick with you and kind knows You know last with you for a long time. It's hard it's it's hard. I mean it's hard not to to bring some stuff home especially when you're dealing with stuff that happens to children you know that's the most difficult thing and it's not even just crime things. It's just just when you see somebody who's struggling. You know you see somebody that you think you can help or you know that type of stuff. It's it's difficult. I mean there's no real easy answer you take it home with you and then if you're lucky enough to have a family then you just hug on your family look at your kids is and that kind of brings you back to life and Kinda you know Kinda get you through it and I can say it sounds cheesy and Corny but anybody who is lucky enough or once a family and has a family or is loved ones. You know what that means when you can just go home and talk to him and hugged him to change his you know so I guess that goes back to a court system so they know kind of what we deal with and Having someone to talk to about this stuff but you do you do. Bring it home It's not a daily thing. It's not a daily battle. It's not every day when you're coming home and like you know thinking about stuff but there are certain stories that stick with you but like I said my dad's been around for a while so he understands what Ido through so that's that's really cool. It's easy to talk to someone like that on that level you know and my wife's been with me for ages so she understands what's going on and down him and it's tough it's it's never gonNa say I'm a first responder is not but you can imagine what firefighters police officers see on a daily basis. And kind of what they you bring home with them and how they deal with it. And it's IT'S A it's A. It's a fraction of that with to get people to visualize. It's kind of like that. You know what I mean. You're going to see some really messed stop stuff a lot and You gotTA figure out a way to deal with it man you know wasted by talking to somebody if it really affects you that much but yeah it's difficult. You know man I mean and you know I mean I'm sure even even just being behind the camera and producing stories and seeing stories despite those stuff that sticks with you and your man. I can't believe this and it's just tough one and there's other you know Careers or other volunteer opportunities for people work with say domestic abuse victims or sexual assault victims or for veterans with PTSD or homelessness or children in some way. And even if you're not in it like you are a first responder is you're still dealing with that. So Oh trauma in any way need self help you need self care. I guess what I want to say. But yeah I mean obviously with all your grave work with veterans I mean. Yeah Yeah I mean I guess I guess when you when you realize you need help the best thing saying you need help if it gets that far and now you can move forward but It can can be difficult at some times like I said the hardest with kids. You know when when it's young people involved and you feel like nobody's helping them but you're sitting there in there you're Kinda I feel helpless I those must've yeah so stories that stick with you and other things like that a life changing stories Give an example of one that maybe it isn't to be negative a positive when we'll be great to have one that you can look back on and say all right that's cool. I was a part of that. And that's a life changing story. Do you have one that really sticks with you. I don't know if I wanNA stay so I mean it's just funny because we're just I'm I was in the midst of Doing doing one right now. That sticks with me. It's just there's there's a lot of them but this was recent it's just there's a there's a nine year old boy who He's was at a local hospital here last year ear or an earlier. This year is fighting her sprung disease. It's Kinda affects your colon could be a potentially deadly illness. He was eight years old. He's nine now and and all he was in the hospital all he wanted was birthday cards first birthday right. You just want too much birthday cards and we were. I was the first one that really do the story and and didn't think it was going to be a big deal. Hey you know this boy. He's sick he needs some help. Let's get lift his spirits. You know so I went to meet him in the hospital and talk to him and he was just a just a great kid. You know what I mean. He was just young and you could tell at that point. He was really sick and like you know kind of the colored leftist face and it's just amazing how media can help just reach people meaning like within the next two days. He had more than ten thousand birthday cards. Ten people from all over the world We're sending him birthday cards and they kept coming and his family family was just like so grateful. You know what I mean and you just think it's just a it's the smallest gesture you know what I mean like you do on this daily but just to see their face and they just couldn't believe it and literally ten thousand cards. It's unbelievable so fast forward. Just a little boy gets better and now or the past couple of days I went and saw him and he's out of the hospital and he's he's just a great kid and now he's doing a toy drive and he got in. Oh three three thousand birthday a three thousand gifts like donate it to him. And he's going back to the hospital where he was sick at plane Santon handing them out to all the kids and it's just like a full circle thing that like just an example of just I. It's always stuff with the kids that stick with you know so that's a positive one. You meet this kid and you just you know I need develop a relationship with them and you just you do a story in the ten thousand people from around the world since flood the hospital with birthday cards over a week period and then this kid who was crazy sick now flip the script and now wants to do this saying and he's nine and now he goes out in gathers thousands upon thousands of gifts now to deliver back to the kids at the same hospital who are really sick and you know he's just really happy so like that's one just recently that stuck out with me and then we've had here in the city we've had We've had a couple more than a couple of. We've had a lot of kids die on the streets who killed by gun violence in a mother who was inside. Her house was holding a her two year old daughter and somebody shot to the house and killed a two year old girl while she was in her mother's arms and we did that story for a while. Slow like a week or so so it was just. That's that's that's something that sticks with you know what I mean. I can't imagine that just being in your own home. You think you're safe right and you think everything's great and then all of in your and your like holding. Oh your daughter in your arms and just trying to rock her to sleep and every rolled is great right and then seconds later Bo is come flying through in the mom didn't get kit was fine and then the little girl I mean those are those are like other. Obviously polar opposites but those are just examples of things that stick stick with you those examples and things that you bring home with him and you know. There's there's there's a lot of stories that stick. I mean I mean the thing I it's it's either extreme highs industry Melo's those are the ones that stick with. You know what I mean ones that you can't believe that that happened in that so terrible or the ones. You can't believe that that happened because it was so oh good you know like the the medium the ones in the middle I can forget it. You know if you ask me on a normal day I hate to admit. What'd you do last Wednesday? US story go on as I can tell you. What did I do last Tuesday? No idea you know but if it was one of these stories I could tell you but on the average week hate to say it was just. You're doing so many stories sometimes multiple but it's always the kids the stories that are with kids that did that stick with me and I'm glad they stick with me because it teaches you a lot. You know what I mean. Those are the stories that you learn from Joseph Stories that you can kind of take with you and learn from it make something try and make something better next door your kids that you talk about compassion families all that stuff. I mean you can see how it all plays together leaves and you can have those swings in one week within days of each other to. That's gotta be hard. Sometimes I mean you can have that you can have that swing in the same day like I mean especially especially here in a gigantic city like Philadelphia could start off the day doing a lovely feature story about something and then an hour later. I get called to breaking news. That happens avenue. You know what I mean Though swings happen by the hour literally you know so but yes yes you can have that in the same week you can have seen a couple of days you can have that in the same couple couple of hours so yeah it's it's it's it's a an emotionally demanding job and me we now doing it. I appreciate it but yeah I mean you just gotta I guess keep grinding animate. Try Not to look back as much but it's difficult when those stories stories like you said earlier so important education empathy connection all of that bringing other humans together is so important so again. Thank you for doing that so I think about like where you are a non philly huge city you're on TV and the eleven o'clock news. You're on the Internet. You probably recognized. It's it's like you've made it in the world of news it is. I mean I guess but but what is what is making it as a storyteller look like for you at this point in your career. Like what's what's in the future for you that you really WANNA reach for..

Joseph Stories PTSD US Hartman Philadelphia assault Santon Bo
"ten thousand cards" Discussed on MyTalk 107.1

MyTalk 107.1

03:08 min | 2 years ago

"ten thousand cards" Discussed on MyTalk 107.1

"In my life yeah yeah yeah my phone button but Kimani dinner who's going to clean my bathroom but yeah does not it does get better is just not necessarily that easy right right exactly so so you know when people say things to me like all my credit was terrible then I'm just destined for you know bad credit you know I I remind them that it affects everything your credit score affects what kind of car loan you're going to get how well how much you're gonna pay in car insurance what it just affects everything what kind of credit card you're offered everything it affects everything so you need a good score so that I can help you get a good score because did you know that it changed every month based off of like what you all and what your credit mix is and how much you owe on that credit card versus what the limit is and then if you pay that down the next month now it's a whole new number because new information that it's assessing let's talk about that so let's just say that you've got a credit card with a ten thousand dollar limit and you have a habit of maxing it out and then paying it off is that good or bad so on you know I'd like to do this will not Max it out but you know I dig the points that's what I'm after I'm only twenty points but if the if you Max it out and then pay it off and then Max it out and pay it off you really not telling the credit bureaus that you know how to manage debt you're telling them that you know how to Max it out and pay it off right it's not really managing that so what I'd suggest that to that person and and where the problem comes in our back up real quick is that depending on when I pull that credit report in the months are you maxed at that moment or had you just paid it off right in the middle where are you at with so it doesn't show like a longevity of right so most people would think you know I have the ability to pay that off some golden exactly so it's not necessarily golden it depends on when you pull exactly is that I sometime to do that so so your payments due on let's say the fifteenth and it takes about five days to pull so let me get can you do like any kind of calculated timing of the that's great I love it yeah I know so not really I mean okay because every credit card reports at a different date of the month to the credit bureau so it depends on when that rip and information is reporting what I generally tell people is if if I happen to pull it and you owed nine ninety nine on that ten thousand card or whatever then I tell them okay here's here's what I want you to do is you know you're just paying it off anyway every month so the next thirty days let's live on more of your cash instead of on your credit like you're used to doing then as we get closer to the end of the month when we see that your balance is closer to the bottom verses the top will pull then okay and then we're going to have a better at the end you know I can even do a simulation in my credit bureau toolbox it lets me say okay he only owes three thousand on the credit card now what with the score be pushed the button right now.

Kimani
"ten thousand cards" Discussed on MyTalk 107.1

MyTalk 107.1

11:12 min | 2 years ago

"ten thousand cards" Discussed on MyTalk 107.1

"If you what do the red states show here on my talk one oh seven one I'm mission and maybe showing a man from remax results is with us Shelly fares from Sierra Pacific mortgage is here been talking about some away some of the ways to debunk some of those credit miss but before we get back to that I know we got a red hat house of the week is shown a man you're over my neck of the woods what do you have for us this week our hot today eighteen no one when that Avenue north and the beautiful city of golden valley yes yes the west side so this house is fantastic I'm not even going to kid you it is so perfectly situated to dining shopping schools parks you can even walk to a farmer's market and close to medicine lake if you know where that is yes and it's perfectly situated for easy commutes to downtown and all the neighboring cities close to buses if you don't want to drive then and this one is a split entry but it doesn't feel like it feels like a two story because when you walk in you've got this expansive landing so your four year is huge tall ceilings it's unbelievable and when you walk up to the upper level it's got a beaut beautiful open floor plan and it's got an updated kitchen with beautiful floors clean white cabinets stainless steel appliances in the restrooms are lovely as well about those things yeah bathrooms are beautiful and there's three of them and they got all this updated tall work just like you were living in a hotel or something so you definitely want to check that out it's got to wood burning fireplaces so you can cozy up this winter and it's got a dining room a separate one off of the kitchen too nice living rooms one I'm on the top and one in the basement and the master is absolutely massive it's huge and it's got beautiful open windows it's got an area for a vanity and a walk in closet and also a private on sweet full bathroom absolutely amazing if you have those those teenage kids were you just kind of want to go you live here but we don't live on top of each other that's what I feel like this yeah you're good like a cigarette Frederator in that back tat betterment it's awesome for real and you've got to check it out we got it affordably priced at only three fifteen and you definitely want to go to our show page and check out the link for that it's eighteen oh one when that K. Avenue north in golden valley in an estimate for a monthly payment for that would be right around seventeen hundred dollars wow and so when you go to the link you can are actually also check out the drive time calculator and that will tell you how long it would take to go to work from a different time depending on what time of day you leave and so lots of other good information including a market mortgage calculator we have we encourage you to call Shelly and get that mortgage calculator out of her brain right here she's going to give you a hundred dollars to do it right right be sure and check out this beautiful home and that is our red hot house of the week well I've been talking about some debunking some credit myths and so I think that we don't really understand how quickly we can affect our credit and make it go up or go down you think that you're right I think that you go all well if I do this room we if you pull my credit is immediately going to go into the basement and be in the toilet and so that's all we know is how to make a bad right but we don't understand how quickly it can get better if we have this the council of someone like you should absolutely yes that you're exactly right about that people think that it's stagnant I had my credit pulled two years ago and was terrible so I'm destined to run forever well you know no no no no no no no no okay how it works so I do get a kick out of there is a commercial around for one of those credit apps right now where they have this boost thing apparently where they pull up their little app and they just hit this little button and it boosts their credit for things that would really work I wish there was a lot of those buttons and things in my life yeah yeah on my phone button button but kids won't eat dinner yeah but who's going to clean my bathroom but normally does not it does get better is just not necessarily that easy right right exactly so so you know when people say things to me like all my credit was terrible then I'm just destined for you know bad credit you know I I remind them that the it affects everything your credit score affects what kind of car loan you're going to get how well how much you're gonna pay in car insurance what it just affects everything what kind of credit card you're offered everything it affects everything so you need a good score so that I can help you get a good score because did you know that it changed every month based off of like what you all and what your credit mix is and how much you owe on that credit card versus what the limit is and then if you pay that down the next month now it's a whole new number because it's new information that it's assessing let's talk about that so let's just say that you've got a credit card with a ten thousand dollar limit and you have a habit of maxing it out and then paying it off is that good or bad so on you know I'd like to do this will not Max it out but you know I dig the points that's what I'm after I'm going to points points but if the if you Max it out and then pay it off and then Max it out and pay it off you're really not telling the credit bureaus that you know how to manage debt you're telling them that you know how to Max it out and pay it off when I it's not really managing that so what I'd suggest that to that person you get it and where the problem comes in our back up real quick is that depending on when I pull that credit report in the months are you maxed at that moment or had you just paid it off right in the middle where are you at with so it doesn't show like a longevity of rate too so most people would think you know I have the ability to pay that off some golden exactly so it's not necessarily gold and it depends on when you pull exact right time to do that so so your payments due on let's say the fifteenth and it takes about five days to pull so let me get you do like any kind of calculated timing of this it's great I love it yeah I know so not really I mean okay because every credit card reports at a different date of the month to the credit bureau so it depends on when that rip and information is reporting what I generally tell people is if if I happen to pull it and you owed nine ninety nine on that ten thousand card or whatever then I tell them okay here's here's what I want you do is you know you're just paying it off anyway every month so the next thirty days let's live on more of your cash instead of on your credit like you're used to doing then as we get closer to the end of the month when we see that your balance is closer to the bottom verses the top will pull then okay and then we're going to have a better and you know I can even do a simulation in my credit bureau toolbox it lets me say okay he only owes three thousand on the credit card now what with the score be pushed the button right next or have a but yeah but it's also I guess that that part of that so and they're the reason why it's kind of counter into it is that part of the reason why we get these credit card deals is I want to rack up as you said I want these points I get these perks to get this bonus for doing these things and so you forget that is like okay for a little while I need to re train myself right because the park I get is that I get to get a better rate on a home loan that's right if I don't get these things and maybe I won't get as many you know discount points examine why Bob Paul McCartney tickets right or something but it's like what do you actually give a credit report it's good for four months okay go back to regular life I can't not like you don't get to use that credit card I think that's another day bog people okay thank all my gosh I'm so used to using my credit card every month and if if I try to buy a house there she's gonna tell me I can't credit cards and now I'm song okay no no no no but wouldn't it be great to actually know what you need to do as opposed to just guessing that's what I'm saying to myself it's like yeah I can kind of do all the Google research I once but would be nice to just have a finite plan right from somebody who's been doing this for many years as an expert by calling Shelley and get your hundred dollars for an hour he makes that and I think that that's always weird too because a lot of times we don't even like I'm glad you said it that way Mimi because it doesn't even occur to us we're guessing we don't know we are not experts in this we think we know and then you're getting yourself in hot water because you think you know yeah can you really tell that's right yep and when I Google that problem that I think I have it said this while that might not have been the right thing to do depending on what you're right above that so you have to you have to let me do that zero first program where I do the soft credit poll because I can not only then see what's wrong but I can tell you what to do and that's what the apps don't tell you and that's what the Google doesn't tell you directly specifically to your situation this is what you need to do well we appreciate you being part of the red hot real estate show you can always call us at six five one six four one one oh seven one especially today you can call and get your credit questions answered by saucier Pacific Pacific mortgages Shelley Ferris and we do have Tatiana on the line Tatiana thank you for calling that's not gonna you have a question about your credit is that correct yeah okay so wowhead Shelley and Mimi are here to help okay I have a question I've been looking online never got it the answer about why you're mark on your credit right because that would require a credit score drop significantly is actually making remarks come that is an excellent question time Jenny I **** I get that a couple of times a month and I've been doing this for thirty years hi I've heard that question all locked and here's what it is I will straight up answer your question that trade line right now at the end that's what we call it a bad debt is a trade line on on your credit bureau is showing negative what is showing negative with a long time ago date on it okay so you're so maybe that derogatory credit happens two years ago and you all four hundred dollars so if you go ahead and pay off that four hundred dollars the death part goes to zero but the date gets updated to today and that's the part that pulls your score down isn't that illogical I mean it is so not rational not logical that's credit world that is exactly great world so you can you still do some of that stuff right you still going to do that stuff or you can't recover so don't focus so hard on maybe the fifty points are seventy five points that you'll lose by paying the derogatory if you're not going to do something immediately and focus more on what you're going to do to keep the good part of your credit going to have good credit.

golden valley remax Sierra Pacific four hundred dollars hundred dollars two years seventeen hundred dollars ten thousand dollar thirty years four months thirty days five days four year
"ten thousand cards" Discussed on MyTalk 107.1

MyTalk 107.1

08:30 min | 2 years ago

"ten thousand cards" Discussed on MyTalk 107.1

"All and what your credit mix is and how much you owe on that credit card versus what the limit is and then if you pay that down the next month now it's a whole new number because it's new information that it's assessing let's talk about that so let's just say that you've got a credit card with a ten thousand dollar limit and you have a habit of maxing it out and then paying it off is that good or bad so on you know I'd like to do these will not Max it out but you know I dig the points that's what I'm after please point points but if you Max it out and then pay it off and then Max it out and pay it off you really not telling the credit bureaus that you know how to manage debt you're telling them that you know how to Max it out and pay it off right it's not really managing that so what I'd suggest that to that person and and where the problem comes in our back up real quick is that depending on when I pull that credit report in the months are you maxed at that moment or had you just paid it off right in the middle where are you at with so it doesn't show like a longevity of right so most people would think you know I have the ability to pay that off some golden exactly so it's not necessarily golden it depends on when you pull exactly it is that I sometime to do that so so your payments due on let's say the fifteenth and it takes about five days to pull so let me get you do like any kind of calculated timing of this it's great I love it yeah I know so not really I mean okay because every credit card reports at a different date of the month to the credit bureau so it depends on when that rip and information is reporting what I generally tell people is if if I happen to pull it and you owed nine ninety nine on that ten thousand card or whatever then I tell them okay here's here's what I want you to do is you know you're just paying it off anyway every month so the next thirty days let's live on more of your cash instead of on your credit like you're used to doing then as we get closer to the end of the month when we see that your balance is closer to the bottom verses the top will pull then okay and then we're gonna have a better and you know I can even do a simulation in my credit bureau toolbox it lets me say okay he only owes three thousand on the credit card now what was the score be pushed the button right next have a bye yeah but it's also I guess that that part of that so and they're the reason why it's kind of counter into it is that part of the reason why we get these credit card deals is I want to rack up as you said I want these points I get these perks to get this bonus for doing these things and so you forget that is like okay for a little while I need to re train myself right because the perk I get is that I get to get a better rate on a home loan that's right if I don't get these things maybe I won't get as many you know discount points that time one by Paul McCartney tickets right or something but it's like well what do you actually give the credit report it's good for four months okay go back to regular life I can't not like you don't get to use that credit card I think that's another do Bach people okay thank all my gosh I'm so used to using my credit card every month if if I try to buy a house there she's gonna tell me I can't credit cards and now I'm song okay no no no no but wouldn't it be great to actually know what you need to do I suppose the just guessing that's what I'm saying to myself it's like yeah I can kind of do all the Google research I want but wouldn't be nice to just have a finite plan right from somebody who's been doing this for many years as an expert by calling Shelley and get your hundred dollars for an hour thanks that and I think that that's always weird too because a lot of times we don't even like I'm glad you said it that way Mimi because it doesn't even occur to us we're guessing we don't know we are not experts in this we think we now and then you're getting yourself in hot water because you think you know yeah can you really tell that's right yep and when I Google that problem that I think I have it said this while that might not have been the right thing to do depending on what you're right above that so you have to you have to let me do that zero first program where I do the soft credit poll because I can not only then see what's wrong but I can tell you what to do and that's what the apps don't tell you and that's what the Google doesn't tell you directly specifically to your situation this is what you need to do well we appreciate you being part of the red hot real estate show you can always call us at six five one six four one one oh seven one especially today you can call and get your credit questions answered by saucier for this Pacific mortgages Shelley Ferris and we do have tatty on on the line Tatiana thank you for calling that's not gonna you have a question about your credit is that correct yeah okay so wowhead Shelley and Mimi are here to help okay so I have a question I've been looking online never got it answer about why you're offered derogatory remark on your credit well I got that would your choir credit score drop significantly if you're actually making remarks come that is an excellent question time Jenny I **** I get that a couple of times a month and I've been doing this for thirty years hi I've heard that question all locked and here's what it is I will straight up answer your question that trade line right now the and that's what we call it a bad debt is a trade line on on your credit bureau is showing negative but it's showing negative with a long time ago data okay so you're so maybe that derogatory credit happens two years ago and you all four hundred dollars so if you go ahead and pay off that four hundred dollars the death part goes to zero but the date gets updated to today and that's the part that pulls your score down isn't that illogical I mean it is still not rational not logical that's credit world that is exactly great world so you can you still do some of that stuff right you still going to do that stuff or you can't recover so don't focus so hard on maybe the fifty points are seventy five points that you'll lose by paying the derogatory if you're not going to do something immediately and focus more on what you're gonna do to keep the good part of your credit going to have good credit cards do you have good mortgage dad do you have good payments on other stuff to not have that key thing be so impactful to your score okay that makes sense thank you you're welcome thanks Ted Tiana yeah that was a great question yeah and again it's again we appreciate your sharing the question because like you said Shelly a lot of these things are counter intuitive we're like wait I did the right thing I pay this off right why did it go down yeah you know and you're going all well yeah there's a trick to it so is this something that that Tatiana could have benefited from by having a consultation with you or you could have told or maybe the right thing to do right so because we wouldn't just focus on that derogatory trade line we look at the whole credit package tied Jana you only have one credit card and it's maxed out our old you have couple mortgage lates that we need to work on aging right so keep making those payments on time or gosh I think you should open up an installment debt that will help out your overall package that's what we talk about so when we come back from the break we're going to talk a little bit about bankruptcy and how some of the myths with credit affect you know also take your calls you can be just like Tatiana be part of the red hot real estate show at six five one six four one one oh seven one will be right back recently overheard on Donna and Steve wonder baby baby autumn like Donna you know what how bout this here's what you should do skip the first officer my concern is this that okay Donna your master's program is my concern watch the first episode in baby doesn't show up until the very end of it and she will find enough other things that have just security to her because she wants to be irritated that it will then take away some of the the the punch I think that I should go back and watch the movie no no no no no I am deeply concerned that if we don't if we don't have a baby right in front of you within about the first sixty seconds were screwed Donna and Steve nine to noon on my talk one of seven one everything entertainment for years you've been thinking about.

four hundred dollars ten thousand dollar hundred dollars sixty seconds thirty years four months thirty days five days two years
"ten thousand cards" Discussed on MyTalk 107.1

MyTalk 107.1

11:49 min | 2 years ago

"ten thousand cards" Discussed on MyTalk 107.1

"From remax results is with us Shelly fares from Sierra Pacific mortgage is here been talking about some away some of the ways to debunk some of those credit miss but before we get back to that I know we got a red hat house of the week all right miss shown a man you're over my neck of the woods what do you have for us this week our hot today eighteen oh one when that Avenue north and the beautiful city of golden valley yes yes we're on the west side so this house is fantastic I'm not even going to kid you it is so perfectly situated to dining shopping schools parks you can even walk to a farmer's market and close to medicine lake if you know where that is yes and it's perfectly situated for easy commutes to downtown and all the neighboring cities close to buses if you don't want to drive then and this one is a split entry but it doesn't feel like it feels like a two story because when you walk in you've got this expansive landing so your four year is huge tall ceilings it's unbelievable and when you walk up to the upper level it's got a beaut beautiful open floor plan and it's got an updated kitchen with beautiful floors clean white cabinets stainless steel appliances in the restrooms are lovely as well about those things yeah the bathrooms are beautiful and there's three of them and they got all this updated tile work just like you were living in a hotel or something so you definitely want to check that out it's got to wood burning fireplaces so you can cozy up this winter and it's got a dining room a separate one off of the kitchen two nice living rooms one I'm on the top and one in the basement and the master is absolutely massive it's huge and it's got beautiful open windows it's got an area for a vanity and a walk in closet and also a private on sweet full bathroom absolutely amazing if you have those those teenage kids were you just kind of want to go you live here but we don't live on top of each other that's what I feel like this yeah you could like cigarette Frederator in that back that better man it's awesome for real and you've got to check it out we got it affordably priced at only three fifteen and you definitely want to go to our show page and check out the link for that it's eighteen oh one Winnetka Avenue north in golden valley in an estimate for a monthly payment for that would be right around seventeen hundred dollars wow and so when you go to the link you can are actually also check out the drive time calculator and that will tell you how long it would take to go to work from a different time depending on what time of day you leave and so lots of other good information including a market mortgage calculator we definitely encourage you call Shelly and get that mortgage calculator out of her brain racking she's going to give you a hundred dollars to do it right right be sure and check out this beautiful home and that is our red hot house of the week well I've been talking about some debunking some credit myths and so I think that we don't really understand how quickly we can affect our credit and make it go up or go down you think that you're right I think that you go all well if I do this room we if you pull my credit is immediately going to go into the basement and be in the toilet and so that's all we know is how to make a bad right but we don't understand how quickly it can get better if we have the council of someone like you should absolutely yes that you're exactly right about that people think that it's stagnant I had my credit pulled two years ago and was terrible so I'm destined to run forever well you know no no no no no no no no okay how it works so I do get a kick out of there is a commercial around for one of those credit apps right now where they have this boost thing apparently where they pull up their little app and they just hit this little button and it boosts their credit for that would really work I wish there was a lot of those buttons that does things in my life yeah yeah on my phone button button but kids won't eat dinner yeah but who's going to clean my bathroom but where normally does not it does get better is just not necessarily that easy right right exactly so so you know when people say things to me like all my credit was terrible then I'm just destined for you know bad credit you know I I remind them that it affects everything your credit score affects what kind of car loan you're going to get how well how much you're gonna pay in car insurance what it just affects everything what kind of credit cards you're offered everything it affects everything so you need a good score so let me help you get a good score because did you know that it changed every month based off of like what you all and what your credit mix is and how much you owe on that credit card versus what the limit is and then if you pay that down the next month now it's a whole new number because new information that it's assessing let's talk about that so let's just say that you've got a credit card with a ten thousand dollar limit and you have a habit of maxing it out and then paying it off is that good or bad so on you know I'd like to do these will not Max it out but you know I dig the points that's what I'm after I'm only twenty points but if the if you Max it out and then pay it off and then Max it out and pay it off you're really not telling the credit bureaus that you know how to manage debt you're telling them that you know how to Max it out and pay it off when I it's not really managing that so what I'd suggest that to that person you get it and where the problem comes in our back up real quick is that depending on when I pull that credit report in the months are you maxed at that moment or had you just paid it off right in the middle where are you at with so it doesn't show like a longevity of rate too so most people would think you know I have the ability to pay that off some golden exactly so it's not necessarily gold and it depends on when you pull exactly it is that I sometime to do that so so your payments due on let's say the fifteenth and it takes about five days to pull so let me get can you do like any kind of calculated timing of this it's great I love it yeah I know so not really I mean okay because every credit card reports at a different date of the month to the credit bureau so it depends on when that rip and information is reporting what I generally tell people is if if I happen to pull it and you owed nine ninety nine on that ten thousand card or whatever then I tell them okay here's here's what I want you do is you know you're just paying it off anyway every month so the next thirty days let's live on more of your cash instead of on your credit like you're used to doing then as we get closer to the end of the month when we see that your balance is closer to the bottom verses the top will pull then okay and then we're gonna have a better and you know I can even do a simulation in my credit bureau toolbox it lets me say okay he only owes three thousand on the credit card now what was the score be pushed the button right next have a bye yeah but it's also I guess that that part of that so and they're the reason why it's kind of counter into it is that part of the reason why we get these credit card deals is I want to rack up as you said I want these points I get these perks to get this bonus for doing these things and so you forget that is like okay for a little while I need to re train myself right because the park I get is that I get to get a better rate on a home loan that's right if I don't get these things right maybe I won't get as many you know discount points examine why Bob Paul McCartney tickets right or something but it's like well what do you actually give a credit report it's good for four months okay go back to regular life I can't not like you don't get to use that credit card I think that's another day bond okay thank all my gosh I'm so used to using my credit card every month if if I try to buy a house there she's gonna tell me I can't credit cards and now I'm song no no no but wouldn't it be great to actually know what you need to do you suppose the just guessing that's what I'm saying to myself it's like yeah I can kind of do all the Google research I want but wouldn't be nice to just have a finite plan right from somebody who's been doing this for many years as an expert by calling Shelley and get your hundred dollars for an hour he makes that and I think that that's always weird too because a lot of times we don't even like I'm glad you said it that way maybe because it doesn't even occur to us we're guessing we don't know we are not experts in this we think we know and then you are getting yourself in hot water because you think you know yeah can you really tell that's right yep and when I Google that problem that I think I have it said this while that might not have been the right thing to do depending on what you're right above that so you have to you have to let me do that zero first program where I do the soft credit poll because I can not only then see what's wrong but I can tell you what to do and that's what the apps don't tell you and that's what the Google doesn't tell you directly specifically to your situation this is what you need to do well we appreciate you being part of the red hot real estate show you can always call us at six five one six four one one oh seven one especially today you can call and get your credit questions answered by saucier Pacific Pacific mortgages Shelley Ferris and we do have tatty on on the line Tatiana thank you for calling that's not gonna you have a question about your credit is that correct yeah okay so wowhead Shelley and Mimi are here to help okay so I have a question I've been looking online never got it answer about why you're offered derogatory remark on your credit would your choir credit score drop significantly issue actually making the remarks come that is an excellent question time Jenny I **** I get that a couple of times a month and I've been doing this for thirty years hi I've heard that question a lot and here's what it is I will straight up answer your question that trade line right now at the end that's what we call it a bad debt is a trade line on on your credit bureau is showing negative what it's showing negative with a long time ago data on it okay so you're so maybe that derogatory credit happens two years ago and you all four hundred dollars so if you go ahead and pay off that four hundred dollars the death part goes to zero but the date gets updated to today and that's the part that pulls your score down isn't that illogical I mean it is still not rational not logical that's credit world that is exactly credit world so you can you still do some of that stuff right you still gonna do that step or you can't recover so don't focus so hard on maybe the fifty points are seventy five points that you'll lose by paying the derogatory if you're not going to do something immediately and focus more on what you're gonna do to keep the good part of your credit going to have good credit cards do you have good mortgage dad do you have good payments on other stuff to not have that key thing be so impactful to your score okay that makes sense thank you you're welcome thanks to a Tiana yeah that was a great question yeah and again it's again we appreciate your sharing the question because like you said Shelly a lot of these things are counter intuitive we're like wait I did the right thing I pay this off right why did it go down yeah you know and you're going all well yeah there's a trick to it so is this something that that Tatiana could have benefited from by having a consultation with you or you could have told or maybe the right thing to do right so because we wouldn't just focus on that derogatory trade line we look at the whole credit package Taiji are you only have one.

golden valley remax Sierra Pacific four hundred dollars hundred dollars two years seventeen hundred dollars ten thousand dollar thirty years four months thirty days five days four year
"ten thousand cards" Discussed on WGN Radio

WGN Radio

02:42 min | 3 years ago

"ten thousand cards" Discussed on WGN Radio

"The sixty minute men, and what about the business lunch Bertrand? Well, people are working on their taxes now in early returns show that people aren't getting the refunds that they were expected a lot of people in niche leading to some disappointments are going to talk to a reporter about that. It's not necessarily that you're paying more taxes, but baby you didn't adjust your withholding in the right way or things like that either way people who are expect expecting a big tax cut refund. Maybe are getting it this year. I hate doing my taxes state getting things together. I do it all year round. I just keep track of everything and then just plug in the numbers. Turbo tax. It's like a little video game. With the big check of the day. Big bill. Yeah. Yeah. I'm gonna have fun on the street by Steve that some what's coming up today. Andrea heinous will be here as well. From the Chicago Tribune, the Steve Cochran show celebrates the most valuable person on the planet. Weekday mornings at seven twenty on seven twenty WGN. Chicago smart speaker users just say play WGN radio on tune in. The news is sponsored by Linden and chimney and fireplace. Here's David Jenny. We've got cloudy skies a few of them anyway, thirty eight at O'Hare Cook County sheriff Tom darts proposing that lawmakers in Springfield pass a Bill allowing authorities to seize guns belonging to people whose F O. ID cards have been revoked state police say ten thousand cards were revoked last year, including the gun license for Gary Martin and gunman in the Aurora shooting last week seventy five percent of those ten thousand owners ignored the notice the producers of the TV show, empires HSE swell. Let's characters not going to be appearing in the final two episodes of the show this season. Facing a felony. Disorderly conduct charge for allegedly filing a false police report the garden hose at pope Francis. A summit on preventing clergy sex abuse going for a new culture of accountability. In the Catholic church. The punish bishops and religious superiors who don't protect their flocks from predator priests. Chicago cardinal blaze super-rich talked to his brethren at the Vatican. This effort will require steadfast trust and openness and identifying with the aid of everyone in the church, and with due regard for the diverse cultures and universality of the church, the legal and institutional pathways to safeguard young people in a just compassionate and robust manner. Suba itches. Everyone was leave the abuse summit transformed. The owner of the New England Patriots facing charges of soliciting sex. The Florida massage parlor New England Patriots owner Robert Kraft is among dozens of people named in a human. Trafficking investigation involving multiple massage parlours in Florida. He's.

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