39 Burst results for "Ten Thousand Dollar"
City of Houston launches virtual Native American museum
"Houston has launched. Its first virtual native american museum. Catherine liu says it comes after city. Council's recent vote for an indigenous peoples day. According to the two thousand ten consensus the houston region is home to about sixty eight thousand native americans from all tribal nations now. The city has a platform to celebrate and educate the public about indigenous histories. The virtual southern plains museum and cultural center in houston was launched with a ten thousand dollar grant from the mayor's office for cultural affairs. Visitors can learn about american nation's through renderings of art artifacts and videos. The museum is hosted on the website. Apache museum dot. Org museum organizers hoped the virtual space will eventually lead to a physical venue for indigenous collections. And catherine lou in houston.
Fresh update on "ten thousand dollar" discussed on The Mark Belling Show
"Could be for our families. As a result of this reckoning three years ago the college began to aggressively campaign to close that unfunded gap and reduce the need for loans through a donor campaign. The college raise more than one hundred billion dollars in new financial aid in the past three years the data released comes as policy makers. Continue to debate how to provide relief to borrowers for record levels of college. Loan debt democrat. President president elect joe biden. A democrat has said he would push to cancel one ten thousand dollars in student debt for every borrower with federal loans. He has also said he would forgive any student debt among families that cover tuition at public colleges and historically black colleges. He hasn't said whether he would support changes to lending program such as parents flaws. The education department requires only a scant check of appearance credit history before extending loans that it performs no assessment of their ability to repay. Sounds like the credit card companies. Send all this crap in the mail but even they run a credit check through the result. Some parents have taken on amount. They have little hope of repaying student. Get researchers said. The loans are often tacked onto the financial aid packages to fill the gap between student borrowing limits and cost of tuition vote. Our goals were to make sure our children go to college to get their degree so they can support themselves. That was our mission. In life said serena harris sixth year old mother of three children from toledo. Ohio ms harris estimated that she ballot about fifty thousand dollars for her daughter to attend to lourdes university. A private school in sylvania ohio. About double the school's media debt load for parents of about twenty five thousand dollars. According to the data harris said her husband died of pancreatic cancer in two thousand and three she. Her daughter told her she said her daughter told her the only way she could stay in school was if she borrowed from the parents plus program harris. A medical assistant who at the time was earning about forty thousand dollars. A year said she was laid off during the recession that began in oh seven and declared bankruptcy she said the government garnish your wages and tax refunds in recent years to start to recover the unpaid debt starting five years ago. Lord's noticed high amounts of high default rates on student loans among former students and parents.
A Face-Punching Legal Battle
"The ufc has an overwhelmingly dominant position as the biggest promotional organization that runs fights in mixed martial arts. It likely made close to a billion dollars in revenues last year. And that's estimated to be as much as ninety percent of all the revenues in mixed martial arts and it achieved that dominant position both by successfully managing and promoting the sport but also by buying out all of its biggest rivals in getting all of those top fighters from its rivals to fight for it. So you have. These numbers are not public but these estimates come from nash analyzes the business and finances of mixed martial arts for the website. The bloody elbow. He's our guide to this world and is the lawsuit filed by the former fighters against the ufc has unveiled all these documents. That show what the fighters get paid. We had an inkling. We had an idea but now we have like concrete numbers. Okay so here. Are some of the points made by the fighters and here are some of the. Us's agreements i the fighters argue that they simply get paid a much smaller share of the ufc's revenues than athletes and other major sports leagues. And this is true. Those new documents from the court hearing revealed that fighters get paid roughly twenty percent or less of ufc revenues in a given year for the major basketball baseball hockey and football leagues athletes. Get paid close to half of what they're leaks make and in boxing the other major combat sport. It's even higher close to sixty percent of boxing. Revenues goes to boxers. And one of the reasons john says is it. There are several major. Boxing promoters trying to sign fighters it's just a more competitive market so for the fcc. The fighter has to pitch to the of c. To hire him to give them a fight because he needs to be in the afc to make money were in. Boxing promoter has to find a fighter and convince him to let him promote them. Because he's the person drawing the money in response to the fighters. Ufc's arguing that even though it's fighters getting smaller share of its revenues. Those fighters are still getting paid more money over time because the ufc is making more in revenues over time so the overall level of the fighters pay is still going up and john says if the us seaward some other kind of company that response might be enough to win the case if the fighters are just like other workers and their pays going up. Why would it matter. If the fighters are getting a smaller share of the sports revenues than the athletes in other sports. What makes this case different honest with the plaintiffs argue is that the fighters aren't workers like a typical worker on a factory line. The fighters are the product and as the product. That's being sold. They deserve a share of the sales. Dmc has also argued that nick martial arts is still a young and growing sport should not be compared against established. Sports leagues plus. Dear makes the case that a big reason it makes so much. Money is not because of how great it's fighters are because of how good the you have c. is at putting on big lucrative fight nights that effectively. Ufc has a special ingredient that it adds to its fight cards john. Nash is a little skeptical of this one. But what is the special sauce is a little confusing. When of would claim it's their production. It's the way they things but then can you be more specific because you know. Boxing does the same thing they they promote fighters they put on events they they make packages that you know all that stuff that seems to be part of the special sauce is done by other other promotions plus john says if the ufc does have a special sauce and the specific fighters don't matter too much. Then why did the ufc go to such lengths to buy out its rivals and get their fighters and why does the ufc put restrictions in the fighters contracts that prevent them from fighting for other promotional companies. Look there's lots of other complexities in this lawsuit. For example the ufc also makes its fighters except the sponsorship deal with reebok and keeps a lot of the money from that deal the fighters say they could get their own sponsors which they used to be able to they would get paid more but really we're just scratching the surface here on this lawsuit and it probably has a long way to go anyways. But what is clear is that the lawsuit is a fight. About worker power the former fighters say they lost power to negotiate their pay because a ufc made the market for their talent less competitive the ufc disagrees and has argued that it should not be punished for being a successful company by the way we emailed a spokesperson for the ufc about the lawsuit. They have not yet responded. What's also clear right now. Is that the financial life of a lot of you. Have fighters is really hard fighters who are not highly ranked will sometimes get as little as ten thousand dollars for a fight and finders will have at most a few fights a year and they pay a big share of their earnings to their fight camps. The places that run their training and provide coaching things like that and so these former fighters are basically suing the ufc for what they believe they are owed what they argue they would have made if the ufc had allowed a competitive market for their services. Nate quarry one of these x. fighters says they're also hoping that the ufc has to change. Its approach to paying fighters going forward. We deserve our seat at the table. Whether it's talking about sponsorships whether it's negotiating our purses whether it's being able to fight for someone else free agency that's what we truly need in the sport where the fighters will have the ability to really test out the free market and see what our values this episode of the indicator was produced by jamila huxtable. In fact check by sean sal donya indicators paddy hirsch and is a production of npr.
Fresh update on "ten thousand dollar" discussed on The Dave Ramsey Show
"Medical bills and help help pay down the mortgage with the cash. Well i would do that. Yeah because i want to get the mortgage cleared worthy mortgage cleared. Then we could have a discussion. Because that's where i am. I use my hsa as an additional investment account. And unless i had a major one hundred thousand dollar event medically out of my pocket. I would not i would not i would not in my situation use the. Hsa cash flowed everything. I've never touched the hsa. I've just used it as an additional. Ira in a sense. And i've got we've got a company called health equity that has mutual fund options that we offer to our team including me and so i've got all my hsa mutual funds. It's just another investment program for me but in your case the house is not paid off and so the hsa allows you to pay for your medical bills with pre tax dollars. And so you know whatever you're paying out there the you know if you're a thirty percent tax bracket every ten thousand dollars a medical bills you run through the hsa the government in a sense pay for three thousand. You pay seven because if you brought ten home it would've turned.
Porn and the Pandemic: A study in adaptability
"You might have seen the joke. And it is still mostly a joke going around the Internet. Another one of millions of jobs around world is lost to this pandemic and person who lost it whether they work in hospitality or media government or whatever takes to social media and with a rueful tone says ow well. I guess it's time to start my only fans account and people laugh. But only a little because another job has been lost and this year sucks. If. There are winners and twenty twenty though. Only fans is a big one. Like so much on the Internet it was a website created to allow people to connect with one another. and its technology offered a chance for creators. To monetize their fans by letting them subscribed to their feeds for a monthly fee exclusive content. And like so much on the Internet that technology was immediately used to make pornography. And really, all this couldn't have come at a better time not only was everyone stock at home all the mainstream pornography studios were shuttered for health reasons and all the performers needed work. So they went to work for themselves on only fans. So what has all this done to a porn industry that is constantly changing? His this next iteration, fleeting or permanent where is the line now between the mainstream pornography industry and the amateur people making money online. And is there a technology out there anywhere on the Internet that can't be used for porn? Okay, that last question was rhetorical. I'm Jordan Heath Rawlings. This is the big story. Lena macete is the producer of the last days of August and the butterfly effect. She's also a producer at this American life. She may be the podcast producer who knows the most about Porn Hello Lena. Hi. How are you? I'm doing really well, and maybe for people who haven't listened to the butterfly effects can you try to describe a how profoundly the porn industry has changed even over say the last five or seven years in how quickly it changes in general? Yeah. I mean it's changed dramatically since we made the butterfly effect which I believe we started reporting on Wiezman, Jon Ronson I was working with the a journalist Jon Ronson on both of those two series that you mentioned and I, believe we started reporting on it in two thousand sixteen and the question we were looking at in the butterfly effect was how has This relatively new access to unlimited porn for free that anyone can access on the Internet. How has that impacted the lives of the actual people making it? and. So basically, there's this company in Montreal. It's called his right now called minded Geek believe at the time it was called mind freak and originally I think it was called man win they run a website called porn hub they actually they own a bunch of streaming websites but they but porn hub for our purposes is like the one we're paying close attention to because it's the most visited porn site it regularly ranks as like one of the top ten most visited websites in America you know beside Google and twitter. And so the the reality of porn in two thousand sixteen is that a lot of it was still being made professionally. So in the US, it's made in Los Angeles in San Francisco in. Las Vegas and in Florida which means people are using budgets to pay actors and directors and sound people to make porn But then that porn is being uploaded illegally, it's being pirated to porn hub. Like Youtube just for porn, which means that the consumer isn't paying for it and the the question we were trying to get the answer to was like. How has it impacted porn people's livelihoods, and basically, what are they doing to make up for lost cash and what did the industry due to adapt to Mine Guiquan and the porn hub model? I mean the answer to that like you're you're right to point out that it's always changing like it's it's always changing to the point that before I got on the phone with you today I called one of the performers that we speak to in butterfly effect just to like catch up on what has happened in the last couple of weeks like it. It really does change all the time at the time the the answer hovered around custom porn, which is still what I would call it cust important. So that's porn that. A consumer can order directly from a performer that they like and often it. It breaks down to poor like basically for someone to reach out to a porn performer and ask them to make video in exchange for like one five, ten, thousand dollars It's because they have a specific kink or there's something they're interested in an otherwise can't find on the Internet and there's billions of hours of porn on the Internet. So when you're when you're to the point where you're looking for custom videos. More often than not is. So specific that like it might only apply like you might be the only person in the world who has the specific proclivity. So a lot of our series focused on custom porn on how like people who are made famous as mainstream porn stars are supplementing their income by making these custom videos
Fresh update on "ten thousand dollar" discussed on Clark Howard Show
"Savings. I just need to kind of have a plan. And i'm an and i'd love to sit and talk with somebody about it all right so one thing. You're now allowed to borrow up to ten thousand dollars for college over the course of a degree and us five twenty nine funds to pay off that loan so that rate that's designed as a of somebody doesn't really know exactly where the money's gonna come from for college. It gives you more flexibility to be able to borrow a small amount under federal student loan program each year and then at the end of a degree program. If you've got the money in the five twenty nine you can use it to kill off. The loan. Which gives the added like stability. But the answer to your question is there's an organization called garrett planning network. We planning network. There are financial advisers that work the more traditional way where they manage your assets for you and you pay them a percent of the assets and then there's also a service that people some of the garrett planning people offer we just pay him an hourly rate like you would to a warrior earn accountant and you pay hammer her for his her expertise to answer these questions for you. You've been doing this good job saving money in different buckets and you just don't know what the appropriate strategy is to pay for each child's college education. That would get you to what you're trying to do. Garrett planning person is a fiduciary meaning they legally bound to do only. What's best.
How To Make A YouTube Ad Campaign To Promote A Webinar
"Install. podcast this podcast, we help marketers and business owners just like you get more value out of the fit your marketing efforts. My is Dan golden from video dot TV, where we help you utter game on Youtube for business and transform your viewers into loyal customers and our new business also is vid target dot io where we help you get a higher return on your too bad spend with targeted Youtube video placement lists along with my co-host she's the powerhouse video marketer from San Francisco. It's R. E. N. W. T. w. e. l. e., y. reneged from video explained. Hello. Renee Hello Dane today I'm happy as chocolate bunny on the day. Easter. Coaching this podcast but are you thrilled earl undelighted all of the things. And Rene, what do you do at video explained? That he explained I, offer video production and consulting services to help companies use video to build credibility, generate leads and convert those leads into paying customers. Okay and you the listener you should know that as always you can follow along in the PODCAST APP you're listening to right now with the transcript and the links and hey, let us know what you think and tweet us here on the show. I'm dain golden she's RT, Lee on twitter. And today we have a special guest. It's Jake Larson of video power marketing welcome Jake. Hey guys. It's good to be or I'm happy as a chocolate bunny as well. On a day after eastern, you made it. We made it through. Fantastic Jake Larson. We asked you on the video marketing value podcast today because longtime, you've been running the video power marketing company and you now have the Youtube ads playbook course, which I am a very energetic participants in which is great. You guys create ads, you manage campaigns for businesses of all kinds and I wanted to ask you because you guys wrote a blog post recently about how to drive Webinar registrations with YouTube bads, and this is very big for anyone's who's doing a B. Two B.. Type of business which we love helping people on with this podcast. Is this a good topic for today? I'm is really relevant I. Think. webinars have been around for a long time and they're still working and so in a lot of the clients that we're working with the have the have webinars, which is a great way to build trust in the marketplace. And Use it as an educational piece to train your audience at the teach them a valuable skill sets and then. Towards the end of. The. Webinar. You can invite them to take further action to help grow your business whether it be an application to work with you can purchase your program. So it's a great way to deliver value in the marketplace and also help grow your business to. Yeah. So I, completely agree with you I think webinars can be really effective for businesses but I also think Sometimes people don't really have a good understanding of the strategy behind their webinars and how to drive people to those webinars and how to get as much value out of them as possible and so I'm really excited about this topic as we've mentioned Webinar registrations or Keith for many types of businesses, particularly high ticket items such as you know what most companies will sell. So they're not selling a ten dollar subscription they're selling. Their products worth thirty, thousand dollars or ten thousand dollars or whatever. It might be kind of high ticket items. is also good for coaches, promoting courses and other types of things. So how should we think about the structure of a Webinar video ad on Youtube in a way that might be different than other types of? Yeah, so I always say whenever you your advertising especially as if it's for your weapon on your company's Webinar. To come from a place of giving like you WanNa give service, you WANNA be able to provide value for people. So making sure that you come, you're starting in the right place of delivering value and come from a place of giving I think is a great place to start. And after that, the the the goal of any AD. is to is want to grab people's attention Bill Trust at value and invite him to take further action and so for the actual ad piece. Wearing, biting them to register for your webinar where they can get additional training and potentially work work with you. So when it comes to really any ad not just weapon are we following a seven step framework where? The framework is basically What's the hook? I mean the hook is like how can like? WHO. Are you? Why should people watch the people continue watching this ad? How can you hook people watching the rest of the video to like anyone who was on youtube is is there to either solve a problem or to be entertained. So stepping. In our step number two is present the problem or challenge or opportunity that the audience is currently facing. Three, provide the solution for. For like what's the credibility like? What gives you the right to be making this video? What's proof that your solution works? And then five is the product overview and that's where we kind of diving the more. But what will people be learning on this on this Webinar? What are the three to five benefits that people will learn on the Webinar six the call to action inviting people to take action so
Fresh update on "ten thousand dollar" discussed on Growth Experts with Dennis Brown
"Forward slash guide. Now what's going on with the show. Hey welcome back. It's thursday so i'm doing another solo episode today in today. I wanted to share with you. Seven tips seven lessons. That i've learned that will help you to become a millionaire entrepreneur. I let me start by saying. I've been an entrepreneur for over twenty five years and becoming a millionaire did not happen fast for me. It wasn't something where i went out. Launched my first business and it was instant riches. It didn't work that way for me. It took me many years to figure out exactly what i was doing. Make tons of mistakes along the way and so. My goal of this podcast is to help you to learn from my mistakes in advance. So now i'm going to share with you seven tips. Seven lessons that i've learned along the way lesson number one. You have to understand two very important terms and business caq an ltv cac stands for customer acquisition cost and ltv stands for lifetime value. These terms are pretty self. Explanatory caq being customer acquisition cost. That means it's the cost of acquiring a customer and lifetime value is the value of a client over the lifetime of that client not on their first order not in their first month nine in their first year but the lifetime value of a client. Dan kennedy a famous entrepreneur. Copywriter and author was quoted as saying the business that can spend the most to acquire a customer wins now the cost of acquiring a customer is relative to the lifetime value if it costs you ten thousand dollars to acquire a customer. That may seem like a lot but in reality if the lifetime value of that client is fifty thousand or a hundred thousand or a million ten thousand dollars would be a winning. Acquisition cost vice versa. If it costs you ten thousand dollars to acquire a customer. The lifetime value is only a thousand or five thousand or even ten thousand. It's probably not a winning equation..
3 Lessons (and Mistakes) to My First 6-Figures
"All right. Welcome back to the show my friend. So pumped to be here with you today, I am feeling good Hobart go well with you. So much going on in the business right now, you heard the whole concept of you have growth like seasons of growth periods of growth or even years of growth in your business versus like seasons a building or years of building. Twenty twenty has been definitely a year of building where I'm investing in new things for the business. Recruiting new program, which I've been talking about here on the PODCASTS which launches in November which I'm super pumped about it's called offer to optimized, and this is going to be unlike any program that you've seen online. It's going to be so awesome. I can't wait to talk more about it as we get closer to that accelerator my accelerator program has never admits thriving right now. It's so so gay people getting amazing results in there I just love what everyone's up to and they're. The team is growing. We have a new website launching new copy new messaging like so much fun in addition to all that. Now, totally geeking out with up leveling my game a little bit not getting too crazy but with video and just you know the camera and the lighting and E. Cam pro and you can't live and all that stuff. So. I'm learning I am so not a techie person and it takes me a while to figure that stuff out but having a good time with it because it just. Doing some new things here which I think that. You guys are really GonNa like in a lot of comes from what you guys are asking your guys asking for something different. In the way of how things are delivered and. That's what we're doing here, and we're also a number of this is episode number four, hundred, thirty, seven, for note, four, thirty, six, four, hundred, eighty, six episodes, and we're just getting started so good times and hope that you doing super super well, right now also. All right. So today I want to get into three things I realized I've never done this type of episode before and I really want to share with you three things that I did in my business to hit my first six figures and that was really fortunate that so I started this online business in January of twenty fourteen. Now, I have talked about that. You know the initial journey where I left the Corporate World September thirty two, thousand twelve not that I remember exactly what I laughed and walked out the door. But I fumbled around for fifteen months almost a year and a half. I had no idea what I was doing in. So it wasn't until January twenty fourteen that I had hired a coach and I started to get traction the business and so forth. So I, was Really. Fortunate in that first year and that very first year one, hundred, ten, thousand dollars in the business and so there were three very distinct things that I did in order to hit that I also made a ton of mistakes along the way. But today I wanNA share with you three really big mistakes that I've made that year so that you can avoid those mistakes and also learn from what worked for me that first year. And so the very first thing I did is I defined the heck out of my audience. I defined my audience super super clearly. So back then like I do now, I decided to serve online entrepreneurs specifically course creators people who are doing webinars and I really really dug into things like what challenges did they have. Where were they now now that? Almost seven years ago. Where are they now meaning this is where they at with point a, and then where do they want to get to which is point be? and. So defining what that gap is and then really being clear on okay. What are their challenges and then what is the future point be where they want to get to? What is that look like and then how can I help them? achieve that.
Energy Plan Launched by Tesla in the UK, Short Shorts Update
"Everybody Rob our here and today we are primarily talking about Tesla Energy Tesla has officially launched its energy service in the United Kingdom, and with that they've shared a lot of interesting details on their plans in that market. We then also have an update on delivery for Tesla's latest product or add. So starting off with Tessa Energy, tussle today, updated their website in the UK you can actually access this from I believe any country as long as you just go to the drop down and ginger location. So in the UK on Tesla's homepage there now, featuring a new product quote, the Tesla Energy plan designed for homes with solar and Power Wall. And Quote Tesla also has a nice little two minute video. They're sort of running through the entire process end to end. But basically what this energy plan does is utilized tussle power walls to create a virtual power plant in which Tesla will utilize their audit or software to manage energy storage levels in different distributed energy storage products such as the power wall. This adds value in a number of different ways, but I think the simplest way to understand it is to think of it as somewhat balancing the grid out Tesla can purchase energy when it's really cheap store it in the distributed network of power walls and then resell it when energy prices. Are High that's all managed in real time automatically by auditor software that helps balance out the grid and then tested profit from the differences in though selling prices. This is, of course, in addition to the normal benefits of having a power wall, which would be to store your renewable energy so that you can use that energy when your power production is not that high, and then of course, having backup energy in case of power outage, what that virtual power plant functionality enables is for tussle to partner with an energy retailer in this case, octopus energy in the UK to provide tuskers that have a power wall with a much cheaper energy plan. Than, they could get anywhere else tussle on the website says it can be up to seventy five percent cheaper for energy than any other available rate. So we're going to go into the details on that but I there are a couple of unique things we have to understand about the UK energy market, the first of which being the terminology. So in the UK essentially, each energy plan is known as a tariff I think generally, we think of tariff as being attacks, and here for the UK energy market, it does involve pricing, but it's broader than that. Basically, an energy tariff here is equivalent to saying an energy plan. So the tariff involves pricing. It involves whether you're power costs are fixed or variable your provider, the energy source that you're using whether that's renewable, -able or something else all of those details fit under what would be described as your energy tariff. So if we focus in on pricing, there are a couple of different charges. The first is what's known as a standing charge that is a daily fee they are paying basically for actively and UK power dot co dot UK says that the average staining charge for electricity in the UK is twenty point, five, eight pence per day twenty, point five pence is equivalent to twenty seven US sense. So that doesn't sound like a lot. But over the course of the year, that adds up to one hundred dollars on average. So that's the standing charge and there is a unit rate. So you're paying per kilowatt hour. Think we're operating used to that and on average that is fourteen point four pence per kilowatt hour sources vary on this, but it looks like the average home in the UK uses about four thousand kilowatt hours per year, which would lead to you `electricity costs five, hundred, seventy, six pounds per year. That's about seven hundred, fifty US dollars. So all in standing charge plus the actual payment for the electricity you're at about eight, hundred, fifty dollars per year and probably higher. If you have to charge electric vehicle. So with that context, let's look back at tussles energy plan and affect you. It says, what are the tariff details? Tesla says quote no standing charge on your bill, a twenty four, seven import rates of eight pence per kilowatt hour for current Tesla vehicle owners and eleven pence per kilowatt hour for non Tesla vehicle owners the lowest flat rate tariff available on the market as of October twenty twenty. So at eight pence per kilowatt hour and no standing charge over the course of the year at four thousand kilowatt hours you're looking at three hundred, twenty pounds or about four, hundred seventeen, which will, of course round. Up to four, hundred, twenty US dollars. So under that example, you're saving more than fifty percent more than four hundred dollars per year or about thirty five dollars a month remember though that's for the average around four thousand kilowatt hours. If you have an electric vehicle charging that, let's say that's double eight thousand kilowatt hours that should get you ten thousand fifteen thousand miles per year from your electric vehicle. Then your annual electricity costs go up to a little over twelve hundred pounds or about sixteen hundred US dollars under Tesla's energy plan that same amount of energy would cost about six hundred and forty pounds or about eight, hundred and thirty, five. US. Saving about seven hundred and sixty five dollars per year or sixty, five dollars per month so that all sounds great. The energy on this plan is all renewable but where the rub comes in as you have to actually by the power wall and in the UK that cost eight thousand pounds, that's a bit over ten thousand dollars. So if you're saving sixty five dollars per month while the payback period on that is about thirteen years. So on the surface, this looks pretty attractive and if you happen to already have power while. In the UK it seems like a no brainer. But unless I'm missing something on the math here, this is a complicated subject to me. It's not clear that this is something that everyone is immediately going to be scrambling to adopt where things get a little bit trickier to understand her on the math on is when we switched over from purchasing electricity actually selling electricity. So in the UK, there are a couple tariffs on that. There's a generation tariff and an export tariff.
I wouldn't go near this with YOUR money
"Continues. I've seen the ETF INVESCO SOLAR THE TICKER SYMBOL IS T. A. N. I've seen this increased significantly this year it follows stocks such as soon technologies n Phase Energy and son run inc.. I'm wondering if these stocks are goodbye and if they are still good at these prices given their recent release. Given their recent increase. I will just point out. Just. A time stamp this this ETF INVESCO solar hitting a year high today. Yes do you want the short answer the long? Well, this is a friend from Calgary. So I felt Canadian I'M GONNA. I'M GONNA go along how about the medium answer? Okay. I love this question. I am a big proponent of solar I have solar on my house, which helps the power mostly electric car I'm a big fan here. I wouldn't go near this ETF if with your money Chris. So. So here is, here's the problem I off This is a this is almost a textbook example of investing in the rear view mirror or using the river mirror to govern are investing I'M GONNA since we've already talked before being recorded about a little bit of history and Black Friday I'm even another little piece of history. Okay in two thousand. Nine one thousand nine was the the the apex of the Great Tech Bubble. Okay. The Nasdaq index was I believe a up over eighty percent that year and so now you're in two thousand and I'm GonNa get a Canadian cut here Canada we are retirement accounts RSP's we tend to tell you big marketing push to fund your RSP around February. Okay. So the first two months of the year. Would you like to hazard a guess at what industry was the single greatest and it's not close the single greatest benefit Sherie of new money flowing into the market in February of two thousand. And if you said Tech. Gold Star. Most of the money that came in that year went into tech funds because they had done so well, the year before the two years before. This is easy. Money right it. Of course, the bubble popped in March of two thousand starting off touched off grinding down market from March two, thousand, October two, thousand and two that killed the Nasdaq I believe over sixty five, seventy percent over that time I, could be wrong. So the point is. This the people who are going into tech funds at that time were investing in their review. So this ETF said hitting multiyear highs today Chris. The one year performance with this fund is about one hundred and twenty percent which. Not, not, by coincidence is roughly the one year performance of the index purports to track the global. Solar. Energy. Index okay up about one hundred, twenty percent but dial out. Don't look at one year look at five years five years the performances annualized roughly. Twenty percent now, five years twenty percents still, pretty good. Right. But realize you're getting this last year, which is not one hundred twenty percent is influencing those five years. Okay. So it's probably had a bunch of flat to negative numbers in the first four and then attack one hundred and twenty percent on an annualized that and he got twenty percent dial back out even further. The ten year performance for both the index and this ETF is negative. Okay. So to put it in perspective ten years ago, Chris you and I go put ten, thousand dollars into the market you today you have about twenty four and a half thousand dollars I go ten years ago and I put ten thousand dollars into this ETF? I have roughly ten thousand dollars. Okay. So this has not been a long-term this the performance in the last year solely because people have kind of gone a little crazy chasing these solar companies now again, I mentioned I have solar install on my house. Okay and I will tell you the single biggest risk factor. You should be worried about when you put solar on your house or you look at solar as an investment. Is that you are highly dependent on the subsidy programs within the jurisdictions where these companies sell their products because frankly solar commodity invaders, nothing special Mike Panels, versus yours is about my versus yours or my racking systems or whatever. Okay. In my town. I got I get a little bit of a benefit because I put it. I do we have what's called net metering so I put some of my generating energy back into the grid I get some credit for that It's not great but it is what it is and I put it on my house because I. My background bioengineering couple of degrees. In that thing I spent a decade in practice This is kind of what I like so I took the opportunity we put on. I can tell you friends of mine before the government changed the rules to go two net metering friends of mine put solar on their house. They're getting a nice fat check every month because their system is grandfathered. Okay. It was so generous that the people who put solar in at that point in time got these generous pay offs. The government said Hey we want to stop giving generous payoffs and so they changed the rules to go two net metering I. Don't get a check every month. That's fine. It's okay. But I can tell you. Speaking. To The installer for the system when he put on my house just over a year ago, I asked him how's business and he basically said when the government changed the rules. The number of installs we did dropped by almost ninety percent. So if that happens in any of the jurisdictions where these companies, he mentioned solar edge and faith son run. These are really expensive companies on in terms of their valuation. I. Think I look Sola registrating almost seventy times free cash flow. You had best hope that wherever they are selling their products they don't change the rules because if you do that stocks go a lot cheaper
Spread of Electric Cars Sparks Fights for Control Over Charging
"Talk about the electric vehicle tax credit he proposes because people think electric cars are the ultimate panacea this. Yeah I mean and and you know you live in California. They've just decided they're gonNA fight all the fires with with electric cars in two, thousand, thirty, five, the reality of course. Yes. Electric cars are good I mean if you own a tesla and if you can afford one actually a fun beagle drive, it also cuts some few too but you need to get a sense of proportion. So he's proposing to at least get back seven, thousand, five, hundred dollars per vehicle, and of course, California throws in another two, thousand, five, hundred dollars and there are many other. tidbits fundamentally spending that much money on a vehicle that over its lifetime will cut ten tons of to. You could've bought that reduction in the north east of trading system for sixty bucks spending ten thousand dollars for something you could have bought for sixty bucks but the bad deal why do electric cars only save a little bit of carbon dioxide? So. It's do things partly, you think that each vehicle emit lots and lots of carbon dioxide over its lifetime it'll probably emit somewhere between twenty and thirty tons. So you can't save more than twenty or thirty times. Now, a lot of people then also believe that electric cars essentially serum mission vehicle. That's true when they're driving. But of course, when you charge them, you will typically charge them with electronics. At least partly from fossil fuels, also the battery is not much more energy consumption of it takes a lot more energy to produce. That's why most electric cars actually do not. A break even in their carbon emissions before they've run somewhere between. Fifty and one hundred thousand miles. I've heard the reality game that you'd have to keep your electric car for quite a few years before you hey, off the carbon. Debt of just. Building the battery. Yes and that, and that's true and again we're going to do this better and of course, we'll be to produce these with less intensive energy use and so on. We'll get better this but the fundamental point is this is not what's GonNa solve warming and certainly paying an enormous. For almost no benefit is a really bad idea. The International Energy Agency head told us a couple of years ago. People think electric ours are going to save the planet. They're wrong they. They just sent that that was the quote and the point is, yes, it's GonNa be a tiny bit not very much. Can
Fast Five With Flight School Association Chief Robert Rockmaker
"Could you describe some of the association's goals and and the outcomes? In the early years we're now eleven years old was really focused on building the core foundation of the organization and at the same time working to help bring about some cultural changes that we had identified that were present in the flight training environment in America and I think we've done a pretty good job of meeting some of those early targets. For example, there were numerous occasions where flight schools would take large security deposits from point training. Students. And for whatever reason, and there's many different reasons, the schools, all of a sudden. Close up doors are locked lighter off and the students show up and have no idea what's going on those deposits could be as much as twenty thousand dollars at a time, and unfortunately there was no recourse in almost every situation students were out dead money or their parents route that money it seemed to be more prevalent school that we're doing foreign play training bringing people in from other countries and as you know, America is the leader in training foreign individuals more foreign play training is done in. America than anywhere else. So, what did the association do about that the students forfeiting those deposits? We brought it out and we wrote about it and we wanted people to be aware that it was at least on some people radar in our new website. We actually have that as one of the many checkoff items for the general public to be aware of we're not opposed to having security deposit or an advanced deposit because some flight schools will offer a discount if you put down some additional moneys versus just paying by the hour but I, think we recommend no. More than between one thousand or two thousand dollars be put down at any given time. There's no reason to go any further unless you're in an accelerated program we do have schools across the country who specialized in accelerated training as you know, and you can get a private pilot certificate in two to three weeks and he'd do a very good job. They have specific syllabus put together for these kind of programs. Well, you can imagine typically might cost eight to ten thousand. Dollars to take two or three week private pilots course all the way through and you're all done in three weeks at the most those schools will require a larger deposit. So we're not saying that there are extenuating circumstances because there are but at the same time, we are certainly guiding people that there is no reason to be putting large sums of money down because in most cases, there's no special account that is set up, and if that school closes its doors they're. On you can't find them, and in some cases, some of these schools disappeared, they had leases at the airports they walk away from the leases if their own by a foreigner, they may even go back to their country. There are folks that have dual citizenship. They just literally disappear if you have fifty students and fifty students have put down ten thousand dollars in advanced deposits. That's five hundred, thousand dollars if they put down twenty thousand dollars toward their training, that's a million dollars. We wrote about it. We talked about it. We are now putting it on our new website as well to educate people because the public is not aware of some of these things. It's in the news every day that the airlines are threatening or actually shedding thousands of pilots from their payrolls has that had an impact on the pilot training community are people backing away from this as a career. Right now I don't think there's any professional in the industry that would stay that there's a overabundance of commercial career pilots. However, this will change over the next twelve months as far out as maybe thirty six months. We all know that domestic airline service in this country continues to come back and it was just August thirty first or August thirtieth where the airlines are starting to. Relax on their policies, regarding changes of airfare and seat selection and travel dates, and so forth. I believe United announced at I and I believe American has now announced it as of today, which is September the first and so domestically, the airlines are certainly looking to get people back into the air and from what we see the general public still has that real urge to get up. And go not everybody of course, and there are some people who are not going to travel right now by air or even leave their house because of the covy will fully understand but people wanna get up they WANNA get out they want to visit family they want go to special occasions they want to go on vacation for a couple of days and the best way to get. There is normally to go buy airline. If you're traveling longer mileages that the international air carrier movement will take a longer period of time, and that's because every country has its own. Instead of Kobe guidelines. Number one, they're setting the criteria for when people can come in and out of their country and they're setting in some cases, quarantine restrictions, and therefore international travel is definitely gonNA take. Longer to come back will the pilot shortage come back again the answer is, yes. The FAA requires under the A. Ours that all airline pilots cannot fly after age sixty five as an airline pilot by regulation and to some of the most senior and experienced airline captains. Today are not flying because they typically are flying the international routes and international is still very, very slow as. Compared to pre covid airlines were having record years they were flying record numbers of available seat miles, revenue passenger miles, load factors on both domestic and international have just been unbelievable airlines have been doing very very well financially over the past couple of years. But again, they also took probably the largest hit between airline travel and the hospitality industry I think those are the three that have. Really impacted the greatest but pilot. Wise. It's GonNa come back and we are encouraging young people to continue their career pathways because if someone brand new starts today to learn to fly and they WANNA be a career pilot they're going to have to build their flight time and that can take anywhere from on the low side about a year and a half up to about three. Years before they're able to be eligible to be hired on into the right seat of a regional airline to two to three years from now, the people that are even starting now will be in a position to be ready to go. So we WANNA see the pipeline stay filled as much as possible, and we are not discouraging anyone at this point in time, there will be positions.
Status of The Landscape Industry in 2020
"What have you seen in twenty twenty so far? I mean at Alamein, we've been hearing a lot from our customers that they were really blown away with the amount of incoming a business from the residential sector. So things were really good there. I think we were all super nervous early in March April win you know the government had asked landscapers not to go to work and you know it was hard to say what was going to happen with the economy but I think most contractors were pleasantly surprised with what happened. In the residential markets I think you know with. Being. Around home more than usual, they had a long list of. Improvements and upgrades to the property in in that translated into lots of. Work for contractors who do serve as residential clients, but unfortunately, I think. On the flip side. The commercial markets were hit pretty hard with so many businesses having financial setbacks. particularly in the kind of travel and tourism industries, I think you know we definitely saw pretty substantial cuts being made and that definitely you know Rolls Downhill and affects the landscapers. that service those types of property. So we we've heard some pretty unfortunate stories about know. Contractors that that service big box, retail, and You know Hotels airports things related to to the travel industry. The commercial industry seemed to get a hit a lot harder than the residential industry. In fact, one was boom and one was embossed Not you know not just totally but overall, it seemed like there was that the dichotomy of differences in experiences from having Kobe nineteen hitter to the coronavirus come through and. Kind of the impact on the businesses, the different wings you work with. Liz a thousands of different companies right I. mean they use Alam cracked. Yeah we do and you know when we look at the traffic Estimates are way up this year particularly on the installation side. So I think it it actually did create a a a nice little boom for contractors who work in the residential. Sector, which is Kinda Nice lots of activity on estimating a lot more small projects in that sort of less than ten thousand dollar range. It just seemed like most you know people who can afford to have. Regular maintenance being done at their house where we're still out spending on on improvements upgrades in. The monthly maintenance. So overall really good result there I think given you know just how serious of an event this has been? So, are you noticing that more money was being spent on maintenance versus initial installations or vice versa because I wouldn't I would guess that there was going to be there was probably a lot more installs done this year of hard scaping projects things that are outside of the comfort zone of the average you know Tom Dick and Harry, or you know whoever however you want to say it but I would maybe hazard a guess that the maintenance didn't fluctuate quite as much because people are home more in when they're home they're going on I can I can do the maintenance on this on the weekend gives me Sanju gets me the house. Yeah I mean we D-. anecdotally, we haven't actually sent a survey out here but anecdotally what we've heard is most contractors weren't feeling that they are routine monthly customers were cutting back. If anything they were feeling like they were getting a lot more requests for upgrades, enhance mids mulching, more planting that kind of thing. So didn't really hear of you know kind of a, do it yourself or takeover and I think you know the the white collar crowd that typically hires landscapers for for maintenance you know that are kind of making a six figure. Sold income. Most of those people. You know maintained their work I. A lot of people unfortunately that that were affected by the the lay offs in shortage of work were working in in lower paying jobs that the. Taliban tourism and that kind of thing. So I think you know the demand for a lot of these small projects came from in just more time at home less. You know summer travel summer vacations were spent. You know at home or nearby and just resulted in a lot of. Attention I think to home improvements in. You know we're seeing that throughout the home improvement sector with the. Of Building Materials it's hard to buy lumber to build a fence or back in it's hard to find. A lot of products that would normally be. Readily, available. So definitely lots of demand out there.
Staying Confident In The Airplane
"And what I want to address this podcast and I'm hearing a lot of things like Jason I, got my private a year ago I flew pretty regularly for a few months but you know life. And just not flying as much as I wanted to, and I'm starting to lose that confidence I. Don't feel like I wanNA, take my kids up or my wife because I don't feel confident if something happens up there that I can deal with it or at least deal with it is sharply as I did the day after my check reading. So I've gotten a few versions of that story and I WANNA talk to you about how you can do this how you can stay proficient and you can stay confident and you don't have to spend a fortune to do it and I think there are three main points that I wanna make in small tweaks you might have to make to your flying. But the first one is in, you know how close this is to my how hard the standardization the idea that you can ritualized you're flying. And then remember like rehearse remember and perform the ritual of flying and so all you really have to remember is that ritual and what the ritual is designed to do is to weed out the possibility of thousands of other smaller mistakes from happening I'm great example there is the final walk around on a preflight, right. If you just remember to do the final walk around on a preflight, you might catch tomorrow on the nose wheel cinderblocks blocks on the tail Pito Tube cover. Fuel caps left off seatbelts hanging out of the door baggage compartment opened I mean I, you go on and on and on with the things that you might catch. Simply. By remembering to walk around the airplane after the preflight. Okay and that goes deep. If you want a very detailed version of all of the soap's the standard operating procedures that I teach, those are all in my book setting the standard. But that is one concept that will add huge beer flying. This is an I didn't make this operate. This is the way the professional pilots do it because they've got money in the game they've got a business, they have to take care of one of their pilots crashes. It can't be game over right not only that as you've heard me say the company's survived the accident typically. So the company has a chance to evolve develop a procedure that will prevent the. Pie The from any other pilots for making the same mistakes and they can force compliance with that procedure. That's huge. That's the whole process, and if you can get yourself to do that, you are miles ahead of the game. All right. That's one thing we'd like to ritualized the flying, and the second thing is getting rid of this idea that you go back every two years for what they used to call a biennial flight review or a flight review that is not. Enough that is not regularly. You're not going to regularly enough if you're going back every two years and the pros know this to right how often do the pros go back? I heard you say it every six months, right. So if you're a professional pilot, every six months, you go back with your instructor. Back to the training environment and you go through the ringer right you practice all of the emergency procedures, all of those things that you might need if someday. You're you're in a situation where you have an incident? You've got your family on board right and all of this training inspires confidence. So this is the feeling of confidence in the airplane comes from doing it regularly and feeling confident that you can handle the edge cases if they come up. I'm so what most people do just to kind of get US summarized here three point two when most people do is they get their pilot certificate they here. Okay. I have to get a flare view maybe they go get a new club checkout and then that's it right and then they're out flying with their friends and their kids and their wife and two years ago by nothing boy I better go get a flight review that is not a way to inspire confidence. That is not a way to feel good about what you're doing. In the pros know that. and. So the last thing I'd like to say is this is the part where we get into. This is the third point where we get into the budget. Is that there's been a lot of evidence to suggest that if you just keep your head in the game right back in the day they see if you read flying magazine or you re Flight Training magazine those are still great ideas by the way. But in today's world you've got youtube and you've got APPS late ground school and you've got you know ah so many different ways to stay engaged with aviation. And I always tell students when they come in to train. The typical question is how much is this gonNa cost me I don't. Generally answer that question as a complete daughter a mount I won't say, well, this certificate certificate is GonNa cost you fifteen thousand dollars or twenty thousand dollars. If you really pin me down on it, I will say it will cost you anywhere from fifteen to twenty five, thousand dollars. There's a ten thousand dollar. Window there depending on how prepared you are when you show up for lessons how regularly fly how busy you are all that sort of stuff. But that's not even the important part. The important part is that you really think about flying more like a monthly expense more like a habit. So when a student comes in and says or perspective, Stephen Comes in and says, I'm thinking about flying how much is this gonNa cost me I will usually say how much can you afford each month? Right? Is this something you can. Afford. To put fifteen hundred dollars a month into or is it something you can only afford to five hundred dollars a month into is something you can put an unlimited amount of money anti right I mean I just have no idea where you're coming from but the important part is you're starting to think about it like a habit that you're taking on and you're never gonNA stop. So you have this monthly expense for flying. Now, let's take A. Relatively for flying a relatively modest budget. Let's see we have seven hundred dollars or eight hundred dollars a month that we feel as though we can spend on flying right it doesn't sound like a lot when you consider your CFI's probably one hundred dollars an hour on the airplane while it's running. Over one hundred dollars an hour. So you're out there spending on, let's say, let's just pick numbers. Let's say the airplanes one hundred and fifty dollars an hour and you go out for one point five keep it keep it. You know easy math that's two hundred, twenty, five dollars right? One, fifty plus seventy, five, two, hundred, and twenty, five dollars plus your CFI you're together with your. Maybe. Instead of one point five year together for two hours it's another two hundred dollars. So we're looking at four hundred and seventy five dollars we're looking at. If you do one lesson a month after your certificate, you're spending four hundred and seventy-five bucks. You've left yourself with a budget of about three hundred, fifty dollars maybe a short two hour flight somewhere with your family. But you've flown twice in the month right and that's the way you need to think about the finance part of it think about it as as a monthly expense and try to allocate how much you're spending each month a little bit toward training and
The Positives and Negatives of Investing Your Money in gold
"The positives and negatives of investing your money in gold by Robert Farrington of the college investor Dot Com. Do you remember all the hype around gold in the not. So distant past from two thousand, seven to two thousand eleven. The value of an ounce of gold went from about five hundred dollars to eighteen hundred dollars. If you would have purchased gold in two, thousand seven, you would have nearly quadrupled your investment in just five years. Now, that is one heck of an investment. Around this time I also pronounced that you shouldn't buy gold and it received a lot of criticism in more recent years. Gold has settled back down to around thirteen hundred dollars and sometimes slightly less than that. So hopefully, you took my advice, but the question still remains in the back of people's minds. Would it be wise to invest in gold right now? At, its current price gold is worth five hundred dollars less than its previous high. So one would think that an increase in value could be on the horizon. Here's what you really need to know about the pros and cons of investing in gold. Pros of investing in gold. In my opinion, there are three major pros when it comes to gold investment one, it's equality hedge against a down market to it will still have value of paper currency inflates and three. There is an apparent upside to its value versus years. One Gold is a quality hedge against a down market. As we all saw in two thousand seven when the stock market took a dive everyone began putting their faith in gold instead with the higher demand in gold and with a limited supply. The price of gold went up massively within the next couple of years we may witness another steep downmarket, which may again increase the value of gold. Two Gold we'll still have. Value Paper currency inflates. Local currencies constantly fluctuate against foreign currencies. It's the way of the world policies are in place to hold currency steady, but they're not always foolproof once a currency begins to make a downward spiral it can be very difficult to stop severe inflation, which of course, decreases our purchasing power. Is often the more solid option for currency since there's a finite amount of this precious metal if you have gold, then you're likely to hold on to more of your overall worth than someone that is put all of their faith in the banks and paper currency. Three, there is an apparent upside to the value of gold. As I stated before gold was once at eighteen hundred dollars but now rests at value of less than thirteen hundred. If there's a slight blip in our economy that sends fear through the nation, then gold could easily spike back to eighteen hundred mark. It no longer seems far fetched because after all the value has already been there before. Cons of investing in gold. I used to be a huge advocate of gold and silver investing but my opinions on this investment technique have changed largely because of these cons. One Gold has a terrible historical return. If you went back two hundred years and put ten thousand dollars in gold ten, thousand in bonds and ten thousand stocks, which of these investments would come out on top. Well, if you're smart, you would probably not choose gold to be the top investment but the astonishing part about this is how poorly it actually performed versus the stocks and bonds. Here are the values of your investments after two hundred. Years. Old Twenty six thousand dollars bonds eight million dollars stocks five point six, billion dollars. Based on the historical returns gold is a lousy investment. To Gold is worthless if things get really bad. As a pro, we stated that gold is a great hedge against the dollar inflating, which causes us to lose our purchasing power. This is true. But what if the currency becomes absolutely worthless and we all have to resort to trading goods to survive what value is gold at that point? Well, let's see me certainly can't eat gold. So it is of little value for that purpose and you really can't make anything easily out of gold either. So there really isn't any value they're pretty much at this point your gold nuggets in bars are only as valuable as Iraq because he might be able to throw it at something and kill it. Three gold only earns you money when you sell it. The biggest con of investing in gold in my opinion. Oh and Warren Buffett's is that it produces you absolutely nothing when you own it. If you want to grow truly wealthy than you want to buy an asset that produces a passive income while you own it so that you can then by other assets that make you even more wealthy. Warren started doing this as a boy. When he bought a hunk of land, he knew the land would increase in value but the truly great part is investment was that he could earn an income each year from the local farmer that wanted to rent his land after a few years of Rental Income Warren Kundun reinvest his money into even more land and do this over and over again, this method allowed him to buy assets that gained in value, but also gave him income while he owned them.
What Are The Costs Of Climate Change?
"The Gulf coast faces catastrophic flooding after yet another hurricane this when Sally London to shore. Early this morning meanwhile, record setting fires have been burning in the West for weeks. These climate fueled disasters are not only dangerous. They're costly billions of dollars have been lost so far. This year NPR's climate team has been looking into what that means for the economy and for families nate. Rot is an Oregon and Rebecca Hersher is just back from the Gulf Coast Natan Rebecca. Hello to both of you hither. And Becky, let's put this first question to you. We know that climate change makes a year like this one more likely to occur. That's because hotter temperatures helped drive bigger more damaging wildfires and hurricanes. But what do we know about the economic toll that takes? Well, you know unfortunately, this isn't the first year that the US has had this kind of back to back situation with fires and storms, and that's kind of thing as you said, global warming helps fuel and the federal government and actually tracks the status. So we have some idea of how expensive. These things are and the cost is just huge. So in the last five years, the US has experienced more than five hundred billion with a B., dollars in losses directly from climate fueled weather disasters, and that's not including twenty twenty s disasters that will likely be in the tens of billions five, hundred, billion dollars in the last five years enormous amount of money nate outside Eugene Oregon near one of the major fires burning give us some sense of what those fires mean for the local economy there. Well, they've just been devastating businesses here in Eugene. Up. and down the state that it had to close just because of the smoke and a lot of these businesses were already just hanging on by a thread because of the pandemic then you've got the direct damages from the fires lost homes timber buildings lost infrastructure I talked to a telecom worker the other day at the incident command post with a firearm near, and he had just gotten back from being in the burnt area His name is Rob Robertson and he described the scene where like a ghost forest he said they lost something. Like sixty miles worth at telephone poles, it had been built and he says each of those poll costs about ten thousand dollars we're looking at you know multimillions worth of infrastructure to replace I. Mean it's just there's so much infrastructure out there that that's been destroyed now, and that's just in one valley from one fire in a state that's got fires in. You know basically from north to south and Robinson was frustrated because he said, he felt like there were things that we could do right now decrease risked infrastructure, but we haven't because it costs money. On that point when it comes to wildfires, for example, what can be done to decrease their long-term costs. So it's going to take a big change in the status quo right now, we spend billions of dollars just about every year fighting fires, you know trying to put him out and fire colleges, land managers even firefighters will tell you that money would be way better spent on the front end. Here's Sara ultimate pope, a former smoke jumper who now runs a force collaborative in southern Oregon we do have a lot of work that we need to do on our forest to get them back to. A more healthy state where they're going to be resilient in the face of climate change and resilient to disturbance, and to do that, we're going to have to invest in them. So she says, we're going to need more prescribed fire thinning more management of these places, and that is going to cost a lot of money. You know billions of dollars. So that's wildfires. Then there's hurricanes and Rebecca as we mentioned, you just got back from the Gulf Hurricane Sally is dumping rain on the Gulf Coast and Hurricane Laura destroyed towns along the Louisiana Texas border. Late last month gives sense about the hurricane cost. Well. You know hurricanes are consistently the most expensive disasters that we see especially hurricanes that caused a lot of flooding like sally and that's really bad news because that's exactly the kind of storm that's more common as the earth gets hotter this year has been really bad. There have already been ten climate driven disasters that cost more than a billion dollars each that was as of July. One thing to remember is that where people live really matters you know the number of homes in flood prone areas, it's skyrocketed in las three decades. So the seam disaster today is going to cause more damage hurt more homes than if it had happened previously. So zoning laws building codes, they are really important and climbing experts say that there are economic benefits to be had if we build in more resilient ways. Rebecca innate. We've been talking about the overall economic costs of climate fueled disasters, but let's go to a more personal level. How does this affect families and what do we know about how surviving a fire or flood affects people financially Well. The effects are really dramatic for a lot of people especially poor people if you don't have savings to fall back on or gave can't afford adequate insurance, a disaster can totally derail a family's finances for decades people whose home is their only source of wealth. For example, they're more likely to end up renting even years later, bankruptcy is more likely there. are other costs to like for example, research suggests that young people who survive a hurricane, they're less likely to enter college. It takes longer to graduate if they do go and survivors also have long term mental and physical health problems often, and that can interfere with work that obviously hits income or create new costs of their own. These are extreme weather disasters. We've been focusing on, but what about the financial hit from less dramatic or less immediately noticeable climate impacts like the gradual rise of temperatures. So yeah, I mean rising temperatures and heat waves hurt agriculture health certainly electrical bills. You know you have warmer waters affecting fisheries and then there's just the down the road impacts ecological decline you know are in extinction crisis. Right. Now that climate change is only going to make worse and we depend on ecosystems for everything from clean water and air or two places to go where we can just escape from it all and I don't really know how you put a price tag on something like that. That's NPR's climate team nate rot and Rebecca. Hersher. Thank you both of you. So. Much. To be here.
How to Not Have a Lost Decade
"Welcome money for the rest of this is a personal finance show on money how it works how to invest it and live without worrying about it. We host David Stein today's episode three, fourteen it's titled Don't have a lost decade. Recently, got an email from a new plus member. He says he's treating the material on the website like an online college course but he had a question he wrote that he's approaching a crossroad in his life and he would like to prepare himself for that crossroad. He works at one of the Best Public Gardens in us as a horticulturalist he's been there three years makes forty three thousand dollars per year has four weeks of vacation full healthcare and Hsa they have a four zero three. B. Defined contribution plan where he gets a six percent match his boss enjoy working with him and he enjoys his job. This member also has his own business, a lifestyle business providing premium horticulture services for high end properties. He started in two thousand nineteen gross four thousand dollars and anticipate grossing twelve thousand dollars this year he has no debt. The only thing he owns he says, that is worth. Any money is an old pickup truck that's worth about three thousand. Is roughly eighteen thousand, five hundred dollars in his defined contribution plan and using the online tools on money for the rest of US plus. That, he's on track to retire in his early sixties. y'All says about two thousand dollars in a savings account pays two percent and about fifteen hundred dollars in a wealth front Robo Advisor. Account. He's living on about eighteen to twenty thousand dollars a year. After contributing to is defined contribution plan and health savings account, he brings home about twenty, eight, thousand dollars but that doesn't include is overtime bonuses or the work in his business. After taxes and contribution he estimates that he's bringing home about thirty, five, thousand dollars with everything, which means potentially he could save fifteen to seventeen thousand dollars per year and certainly ten thousand dollars per year. He writes for the first time in my life I'm not living paycheck to paycheck am planning for the future. The business I own. Now as a hobby passion, I turned profitable. It has been a great space for me to learn and have done a lot of just that but it ultimately is a glorified landscaping business. What they really want to own is a retail nursery that one day will become an event, an education centre as well. I turned thirty two months. I thought at this point I would go beyond an entry level position. I thought I would own my own house and maybe own a business full-time. Those goals seem so far away. The question I want to pose to you is, how do I get from where I am today to owning a five to ten acre property that can use to develop into my next lifestyle business as soon as possible Had An additional investment question that address in a few minutes. I he's not in an entry level position. He is a master, her cultures he's studied it. He learned a lot of those skills working at an organic farm and Tasmania. Got, his university degree. He was admitted to a professional horticulture program at the Public Garden where he works, he is very, very skilled in all aspects of landscape design and gardening. and. There are a lot of people that would be very envious that he has his amazing job working in horticulture and one where he can listen to a lot of podcast which he does. In order to answer question I want to compare to couples I know I've known for about a decade. This particular members approaching thirty. He's looking out over the next decade. What has to happen so that he doesn't have a lost decade and can reach goals I'm positive he can reach his goals.
Maryland trying to crack down on ransomware
"Story comes from Delmarva now, which is a publication that covers the Maryland Delaware Virginia area, and this is about the legislators who are introducing a ransomware bill that's going to tighten down the rules when it comes to ransomware UH, some penalties just sort of try to bring this into focus. This was written by Wesley Brown from Capitol News. Service. So we've got some. Maryland legislators, Senator Susan Lee at the Democrat from Montgomery, county sponsored the bill and it sounds to me like what they're doing here is just trying to to put the word out to criminals that even just possession of ransomware would be a crime in the state of Maryland. So this would be a radical change in the law around ransomware and Maryland the way the current statute works is only illegal actually used ransomware. This statute if enacted would criminalize the simple possession of ransomware in less the person possessed it for research purposes. So if you're in an academic setting and you were trying to study different types of ransomware that would not be violation of the statute. But as we do in other areas, the law, oftentimes, we criminalize the possession of something because the threat of the person will use. Whatever that thing is is particularly dangerous. That's why we prohibit in many instances possession of certain types of firearms even if a person does not use the firearm so we're criminalizing somebody for simply possessing what can be very dangerous in Maryland has experienced obviously in dealing with dangerous ransomware right most famously Baltimore City was the victim of a ransomware attack back in May of last year crippled city systems for several months took me awhile to get my water bills. Is Not Fun to get a bill three months later for a per three, hundred dollars is obviously this is a very serious problem and the key with this piece of legislation and I. Think this is something that Senator Lee would agree to is it's a deterrent you want to make it as undesirable as possible for people who are even considering possessing ransomware to realize that their actions would violate this law and they would be subject to pretty significant penalties. I. Think the statute calls for something like a ten thousand dollar fine or five years in prison. As a maximum penalty So it's a misdemeanor, but it's a it's a serious misdemeanor. Yeah. So we are creating this deterrent effect a couple of things noteworthy here one just a shout to one of your colleagues and certainly friend of the the cyber wire, Marcus Rajshekar he testified on this bill he sure did yet. He is a friend of the show also a fellow employees at the Center for Health and Homeland Security Marcus testified on this last year the bill was not enacted in the two thousand nineteen legislative session is all marcus fall just giving marcus. Our back here in two thousand twenty, they have made some changes to the bill to make it more palatable and from what I heard Marcus. The hearing went very well, and there seems to be broad increasing support for this type of legislation largely because. Not, only Baltimore City, but also the smaller city of Salisbury Maryland also suffered a ransomware attack. So there's just more of an awareness for how much of a dangerous to our localities, and this is a proactive measure for there to be a deterrent nothing worth noting on it. Now, if you were going to mention this is that a couple of other states and this is what Marcus mentioned this testimony Michigan and Wyoming have experimented with this approach the approaches. So new that we don't actually have any quantitative research on whether this is an effective deterrent to cyberattacks that remains to be seen. We'll let me play devil's advocate on that a Maryland. Law. Would affect citizens of Maryland. Right do we think that the people who attacked the city of Baltimore were Marylanders I don't probably not what I'm getting at is how much of this ransomware is even coming from within the United States so I agree with your devil's advocate take That's what lawyers do play devil's advocate. A couple of things though that sort of principle is applicable to a lot of different state laws. Okay. You could say white passed a state law in anything because somebody from Virginia could come in and you know do this illegal behavior and then would go beyond our jurisdiction. We we wouldn't be able to catch them. Okay. So it's still a deterrent factor just because the state of Maryland is making a statement, this type of behavior. Is Criminal in nature So sometimes I just simply stating. that. The possession of something is criminal. itself acts as a deterrent that ne'er do well who's thinking about their bank account is almost empty and weighing their options and saying you know I have some computer skills maybe all just spray out ransomware here they may see this and think twice absolutely. Yeah I mean it it's the deterrent effect I think is something that we use for all criminal statutes. In instances where it's the perpetrators are beyond our jurisdiction I think the state of Maryland is just doing what it's what it can in the absence of federal law that criminalizes ransomware and the absence of some sort of you know international law. We can only control what happens within our own borders, and so this is this is a start
Notarize online without leaving home
"In a pandemic still have to get things notarized, but we don't want to go run out in see the notary in person well, pet consol has a solution for you. He's got an APP in a website called notarized Dot Com and he's here to tell us about getting notarized independent DEMOC. Hey, pat tell everybody how this works notarized dot com works just like a facetime call or any of the other apps that you're familiar with the chat with your family or your colleagues, and so you can download the APP store just called notarize or go to notarize dot. com. And you basically upload your document you confirm your identity by answering some questions and you connect with a notary. You Chat You sign you get your PDF, and you're on your way and how much does this? It's twenty five dollars in how does that compare to seeing a notary in person It depends on the market you know summer five, summer twenty, summer fifty You know we like to compare it to the cost of having come someone drive to your house, which is a service you can pay for. That's typically hundred get two, hundred bucks. So it's it's twenty five dollars to have a notary in your pocket twenty, four, seven in less than thirty seconds alrighty, and there's a there's a notary on the other side of the facetime call like. We've got notaries across the country and they answer these calls and they they help you get your document notarized whenever you need it. How long have you been doing this? We've been this about five years now. All. Right. What what got you started. Yes I accompanied previously that I sold the twitter. It was a search business and You know after selling that I needed to get a document notarized I won't. Will I did a lot of people do which is I went down to the UPS store I gotTA notarized I sent it off and I got a phone call. And they said Hey the notary mess this up. So you got to go do it again and that was really what got me thinking about the problem I just I wanted something where I didn't have to go find a notary I wanted to work perfectly every time always be available. and now we've extended the product of businesses. So we've got a lot of really large enterprises on the platform that they use it to automate a really important process like selling a car on boarding a new private wealth Kleiner mortgage for buying a house whatnot how many people use your service daily? Or weekly whatever. tens of thousands. Daily. Weekly weekly Okay and have you seen boost during the pandemic? Yeah. So our business businesses grown about five hundred percent in the last one, hundred, twenty days which has just been incredible. You know in order to meet the demand, we've on boarded more than a thousand new notaries. Built new software so that they can pay get paid instantly. So if you're notary out there listening if you sign up with us, you can get setup serve clients and get paid same day. So twenty five dollars to you keep five or ten or has it work? It depends on the type of transaction in the client, but it's You know it's it totally varies. Okay well, I'm sure notaries out there would love to hear how you be more specific. So how can they make? Yeah. So on a basic transaction, it might be five in a real estate. It might be twenty five or fifty and we've got you know notaries that have been doing this only for a couple of months already made ten thousand dollars working out the platform. It sounds so perfect. I can't imagine why would want to do this in person any idea what the advantage of going in person is. I mean. It's hard to come up with honestly no You know people tend to love the service. If you read our reviews, we've got you know twenty, five, thousand, five star reviews average rating four point nine seven. Mike. That you know people say is we we save them time and people are busy irrespective of the pandemic and to be able to click and connect and get on with life is really compelling. Now is getting your document notarized as big a deal in today's world as it was ten years ago. I mean I I know about it for real estate are there are other uses that that people have to do daily? Yeah so there are some that are required legally and there's others that companies choose to have done. We're actually seeing a lot of companies opt into the process right now that even if they're not required to. It's really about fraud reduction, and if you think about the Internet now everyone's doing things remotely. If you're a business that's selling a car or mortgage or whatnot, you might not have the chance to sit down face to face with your clients. So how do they have the efficiencies of the Internet while still being able to trust the people that they're transacting with and a lot of people are turning to our service? So we think the markets we're seeing the market growing. Already notarize. Dot. com
Two residential schools in Canada are named historic sites
"This is national native news I'm Antonio Gonzalez to former residential schools in Canada have been named national historic sites as down. Carpenter reports the schools which represent a dark history are now being recognized as one of the events that shaped Canada to schools added to the official roster of national historic events are in Nova Scotia and Manitoba. It's the first time a residential school has been named in such a way Canada's environment minister. Jonathan Wilkinson says. Is Not, just about telling the good things. It's also about recalling the more challenging aspects, commemorating and understanding history not celebrating it. Perry Belgarde is the national chief of the assembly of first nations bell. Guard says first nations people still feel today the intergenerational trauma of the residential schools and it's part of our shared history. It's dark history of in terms of our shared history, but Canada and everybody needs to learn from that, and again, we've always said that those who fail to learn from history are doomed to repeat it. The residential schools are described as a dark stain on Canada's passed the government funded church run schools were designed to assimilate native children. Into white culture thousands were physically sexually emotionally abused the schools which operated from the mid eighteen hundreds for more than a century for national native news. I'm Dan Carpentry Chuck at top US health official recently visited Minnesota which included meeting with tribal officials. Call Prima with Minnesota Native News has more is August drew to a close the White House's Corona Virus Task Force coordinator Dr Berks visited Minnesota, and met with both state and tribal officials. Dr Burke said she's impressed with how Minnesota has responded to the pandemic using a data driven approach however burks says she's concerned with the rate of positive cases. The state is seeing in the twin cities and surrounding counties. This state has gone from two to five to now nine counties over ten percent. That trend is worrisome this late into the summer to combat rising cases burkes is urging minnesotans to continue wearing masks and socially distance during the pandemic. Even if many may be feeling fatigue to all the guidelines in her visit to Minnesota, burks also stopped Duluth and met with tribal officials with the Fund lack of Lake Superior. Chippewa. Were really terrific I, think across this country being able to meet with a tribal nations has really been extraordinary is impressed by their ability to have institutions that could support isolation within their community and I think really ensuring that they have the resources and the wherewithal to prevent outbreaks. Dr Brooks says fondling efforts and the efforts of tribes across the nation is a good thing to see given that native Americans are disproportionately affected by covid nineteen. Burke. Says Native Americans, who were already suffering from health disparities pre. Pandemic are more likely to suffer life threatening complications due to covid nineteen compared to other racial and ethnic groups nationwide across the United States. Still, the number one group that has the highest fatalities related to this virus are native Americans, and so really ensuring that we have continued to focus resources and meeting their needs you Minnesota about six hundred and twenty covid. Nineteen cases have been confirmed among the native population so far according to recent health data thirty, three of those cases resulted in death I'm co Primo. Former principal chief of the Muskogee. Creek. Nation. George Tiger is expected to report to prison September fourteenth to begin a one year sentence for bribery charges. Muskogee media reports the US Attorney's Office for Oklahoma. Says Tiger accepted bribes of more than sixty thousand dollars during a time period between two thousand, seventeen to two, thousand and nineteen. He was sentenced last month to the prison term two years supervised release and a ten thousand dollar fine. I'm Antonio Gonzales.
Best budgeting apps - burst 02
"Mr Chuck here this episode on on a talk about. Her snow finance. Plan. We're GONNA do review. Review Reduced Debt Plan. Then on on a look at what to look for in a budget. APP and that's an application for budgeting purposes every view different types of apps and then go over a summary. So that's what this episode is going to be about this week. A personal financial plan. Is a plan were you say years short term goals, which is one to six months of what you need to say money for or to achieve in your financial life. And you set your mid term goals, which is why I think is around one year to five year plan were years saving money to achieve something within that time period, and then a long term goal, which is typically savings for your retirement or savings for your younger children's education. The farther out the goal is the less money. You can say because you gonNA achieve more. capital gains and Investing a compound or if you're got long term goals such as retirement, it should be invested in the stock market based on your risk level also included in your personal financial plans should be some type of a budget. Next week I'M GONNA go over the different types of budgets they're actually seven types of budgets you can use. And we're GONNA do episode on different types of budget next week. So if you don't have a budget, you probably don't have a personal financial plan as pretty much that simple set up a budget creating the budget. following a budget so that you can set aside money to a TV, your different goals at different level member. The shorter timeframe you had to achieve a goal, the more money you need to place into that category. and. It's just a category can put all your money into one account. One savings account US in a savings account of for your short term goals and you mid term goals and use maybe investments a such as and mutual funds stocks, or whatever for your long term goals, and if you have more than ten thousand dollars in investments, you most likely should have a financial planner or financial adviser. They're the same thing and they'll help you make investments based on your risk tolerance and your goals
"ten thousand dollar" Discussed on WLS-AM 890
"Win a ten thousand dollar vacation register on the express jobs apple express pros dot com express those jobs get to know express our Kelly being held in jail without bond on sex crime charges US district judge handed down the ruling this afternoon after Kelly was arrested last week in charge of sex sex crimes including having sex with minors trying to cover it up both here in Chicago and New York is attorney Steve Greenberg submitted a not guilty plea testimony has wrapped up in the penalty phase of the trial of former university of Illinois doctoral student convicted of killing a scholar from China prosecutors called their last witness today champagne news Gazette reports that closing arguments are set for Wednesday that's tomorrow jurors will then deliberate on whether bring Christiansen should be sentenced to death same jury convicted him in June for a ducting and killing twenty eight year old Yang Yang John that objection by house Republicans to speaker Nancy Pelosi's remarks criticizing president trump's tweets against democratic Congress woman of color has delayed the chambers debate over resolution condemning trumps words house minority leader Kevin McCarthy spoke after alosi was ruled out of order the lawmakers restored her right to debate today is the day that historians will write about it is a sad day for this house the people's house our rules of order and decency were broken today worse the house just voted to condone this violation of decorum the door in the floor speech the California Democrat said talk trump's tweets were disgraceful disgusting and the comments were races representative Doug Collins as policies words should be stricken from the house record which is a rare procedural move and state and federal authorities are investigating the deaths of dozens of barn swallows outside a water plant on the south side McHale has more the sun times reports and employees found dead birds and broken now set the Eugene Sawyer water purification plant back on June twenty eighth Tim Schweitzer with the Illinois department of natural resources says an officer visited the plant but still need to gather more information barn swallows are protected under federal law and it's a crime to intentionally kill them public access is restricted and that water plant the city's department of water management is cooperating with the investigation Mikhail WLS AM eight ninety news and The Lion King director Jon Favreau says he hopes audiences won't be able to tell that is new version of the beloved classic isn't actually live action for ever has employed state of the art technology including a combination of virtual reality and what they call key frame animator animation to create hyper realistic animals for the film the movie lying king is out on Thursday they expected to be one of the summer's most anticipated releases with a chance to make as much as a hundred fifty million dollars in the first weekend here in North America it's already grossed over fifty five million dollars in China features the voice talents of Donald Glover beyond say and James Earl Jones reprising his role as fasa WLS news time is five thirty four.
"ten thousand dollar" Discussed on 850 WFTL
"To win a ten thousand dollar vacation register on the express jobs apparate expressed pros dot com express nose jobs get to know express that's your eight fifty W. F. T. L. traffic I'm meteorologist for lefty for CBS twelve news partly cloudy to mostly sunny skies to start but throughout the afternoon and again more showers and storms will be moving across the area could be seeing heavy downpours and frequent strikes of lightning minor flooding will again be a big issue for us today most of us are dry overnight but of course we will see more showers and storms returning again on Wednesday all right the motley band camp robin show Jerry Markley that's Dave van camp scout Robbins on special assignment back tomorrow so no he doesn't get as little Scott takes intro today now Dave takes David what's your take on Ross Perot Ross Perot Texan well yeah I mean dies at the age of eighty nine today earlier today at his home in Dallas surrounded by family and friends I thought you know what do you like them or not I know a lot of Republicans hated the idea because well I mean he kind of screwed over H. W. bush getting nine percent of the vote all of that are you saying the election I've always had a little I've always had even a little bit I've always had respect for him in that he's one of the rare people who had the guts to go out and try to do what no one else can do what almost no one else could do which is run for president actually now to pretty good campaign without the support of major parties and actually movement I know you were five years old we establish that earlier but it was crazy and it resonated with so many people Perot's message yes and that was the thing I know yes in retrospect there are a lot of.
"ten thousand dollar" Discussed on KNSS
"To a lawsuit filed by Planned Parenthood over his wife's renewal of the organizations single, Missouri. Abortion clinic Republican governor Mike Parsons is the future of the state's only Planned Parenthood abortion clinic in Saint Louis is up to Planned Parenthood, which he says had a string of health and safety violations including failed abortions. Planned Parenthood has been reluctant to cooperate with health department officials including withholding access of interviews of abortion doctors parenthood calling today, public health crisis though it has until Friday to comply or access to abortions in Saint Louis. Barring legal intervention would shift just miles away to abortion clinic cross the border in Illinois. Jeff monosso, Fox News. Legislators in Kansas, have overridden, governor, Laura Kelly's v. Veto of several spending items in the next state budget. That includes an extra payment to the state's public pension system. The house voted eighty six to thirty today to override all of Kelly's budget vetoes at once vote in the Senate was twenty seven to eleven the largest item Kelly vetoed was an extra fifty one million dollar payment to the pension system. A woman wanted on child related six crimes in Missouri has been arrested in Kansas. According to a release from Brown county sheriff John merchant twenty nine year old Michelle mors was located Saturday in Everest. She had been wanted. I Missouri warrant for sexual exploitation of a child merchants, Ed murders was booked into the Brown county jail to await extradition to Missouri on the ten thousand dollar warrant Brian Hagan with the Kansas information network reporting. On Wall Street stocks any of the day, and the red volatile trading.
"ten thousand dollar" Discussed on The Dan Bongino Show
"In that ten thousand dollar a night villa walking around doing his thing signing autographs, while the government was shut down and Nancy Pelosi was in DC and our office seemingly waiting for a call from Donald Trump to negotiate a budget. How do you think that would look at bourgeoisie? Son of y'all. That's exactly what the headline would be look at this buji guy yet. This would be all over the media out of touch elitist. Look he doesn't care. The problem is that is happening. Just the roles are reversed Nancy Pelosi's in a ten thousand dollars she's back now, but she was in a ten thousand dollar a night villa. I believe in Hawaii during this government shutdown pretending to be the all we care about the little guy. These government workers are not getting paid. Right. Well, maybe you should get back to the and get to work Nancy just think about that. And the media the coverage of this. Of course, it's been like I saw it on Twitter when I got a bit of a laugh about that. Because it's true the roles were reversed it would be completely ridiculous. So let me get to this story before it gets to the Davis Hanson piece because it's an important one. So he's presidential campaigns or kicking off and Elizabeth Warren. Of course is the first one, and you know, each one is going to have their own launch video, and if you ever run for office for as much as I dislike Elizabeth Warren. She's doing it the right way, my advice to you where we almost. Pulled off a huge upset in Maryland in a district that is heavily heavily democrat. No one's even come within single digits. A winning that congressional seat. But me we lost by one point. We went on election night. As a matter of fact, I say that because we did a couple of things and if you ever run for office Elizabeth Warren doing amount, I'm not a fan of Elizabeth Warren. But some advice if you're an office secret get out early don't let these people tell you. Now, you know, you wanna get in late you, you don't wanna have to suffer the slings narrows the entire time to minute you get in. They're gonna hit you. Anyway, do you want him a hitch you closer to the election? What he wanted to hit them hit you two years out? When all that stuff is going to be a warn down. That'd be old the taxes that point you wanna get in early Warren did that but second you wanna make announcements about announcements about announcements that this is the best advice. I can give you when when when I met Joe Armacost what I had done is. I made an announcement about making an announcement on my God, Dan, Bongino, secret service as from leave my job. We're going to make an announcement. Why do you do that you make it announced? About announcement to leverage free media what they call earn media. You want the media to cover you cover you for free or else you've got to pay for.
"ten thousand dollar" Discussed on KYW Newsradio 1060
"Here's a ten thousand dollar reward for information leading to arrest kristen johanson kyw newsradio protests and rallies continue around the country focusing on the separation of families that the us mexican border emotions are heightened in texas protests took place in many parts of the country including here at one of the hut paints mcallen texas around one hundred protesters gathered outside the border patrol processing center where many of the detained children are being held this is an illegal act by the united states government taking children from their parents at one point protesters blocked a bus which contained a number of detainees more than a dozen protesters now sitting in front of this box after around twenty minutes they allowed the bus to go to an unknown location steve futterman cbs news mcallen texas now here's felt send your local carrier dealer sponsors the eyewitness weather five day forecast as thunderstorm will be possible early tonight otherwise partly cloudy with a low temperature of sixty eight degrees high pressure builds to start the work week bringing mostly sunny skies and lower humidity sort of feel more comfortable with a high around eighty four on tuesday sunny and nice still with lower humidity in high of eighty two by wednesday a transition day were more humid with increasing clouds and a high of eighty four degrees on thursday mostly cloudy hot and humid with scattered thunderstorms ninety and on friday mostly sunny hot and humid with a high of ninety three with the eyewitness weather forecast i'm cbs three meteorologist chelsea ingram on kyw newsradio mostly cloudy skies at the broadcast center on spring garden eighty nine degrees going down to sixty eight kyw news time five thirty six why do some break sound like discreet screech of an eagle going in for the kill or cinderblock being dragged down the sidewalk pep regional vice president.
"ten thousand dollar" Discussed on WJR 760
"Offering a ten thousand dollar reward in the search for a missing woman last seen on detroit's west side near her home sabrina vannatter a mother and grandmother was last seen on grand river nearly two weeks ago there was no sign of her manners children's say that she hasn't been answering her phone since she left her brotherinlaw's house her family spent mother's day posting fliers around the neighborhood police may dig for bodies and to undisclosed locations in mccomb county after they ended the search for missing girls suspected of being victims of convicted killer arthur ream authorities may also searched the property near gladwin of a cabin that was owned by ream in the nineteen seventies and eighties four and firefighters were sent to a hospital after going to house for others who were overcome by carbon monoxide firefighters arrived at that home to find a man unconscious in the basement another one both men were contractors working at the residence all six had to be brought to a hospital severe storms in the northeast claimed two lives meteorologist john trout reports why the east is getting all this severe weather what we've had most of the week is a stationary front from texas all the way up to new jersey and a series of low pressure systems ride along this front causing the unsettled weather some of these systems can sit and spin an area and caused high winds and severe flooding we have a lot of gulf moisture feeding into the system which is expected to last through the weekend i'm meteorologist john trout hawaii is on red alert the us geological survey has issued that red alert which means a.
"ten thousand dollar" Discussed on BizTalk Radio
"Ten thousand dollar deduction and all that stuff professor plum doesn't mean writing the check to charity reduced that it reduces the ten thousand dollars that you took out of the ira but it but it may not reduce your overall income tax to a point that makes it as if the ten thousand dollar ira distribution never happened because depending upon where my income is i take that ten thousand dollar income distribution and i showed on my tax return but my adjusted gross income goes up by eighteen thousand five hundred because now eighty five hundred of my social security that was previously not taxed maybe taxed and so my taxable income went out or not my taxable but my adjusted gross income on it by eighteen thousand five hundred i gave the ten thousand away to charity assuming i did i can reduce it by that ten thousand dollars so now i reduce it but i still have the five hundred of taxable social security on the list so my taxes went up on that eighty five hundred dollars yeah so here's the thing this is all complicated numbers i understand that and it's very difficult to follow but before anybody's just completely freezes over here's the deal if you're if you're if you're taking social security and you're also taking large income or distributions from your ira check to make sure that some or all of that is going to be taxed it could very well be tacked your social security payments all right one more thing we have to cover we were asked to talk about medicare when we come back eight seven seven planner don't boy it's a small business owner there's one word that you absolutely dread payroll for small businesses it's a big burden he may think.
"ten thousand dollar" Discussed on KBNP AM 1410
"To support a required minimum distribution and so i if that's the case i don't necessarily need bucket number one to satisfy a required minimum distribution i need bucket number one for my spending you see the difference yeah if i have a ten thousand dollar required minimum distribution and i have you know ten thousand dollars worth of xyz stock well let's say had fifteen thousand dollars an xyz stock in my ira at the end of last year and i have a tenth overall i have a ten thousand dollar are md and the market crashes by thirty three percent and that stock goes from fifteen to ten while i can always take the stock out that's ten thousand dollars it came out of my ira that satisfies the rnd i didn't sell anything i still own the stock and i'm hoping that a recovers tax value i just have to pay taxes on the ten grand so there are two different things now if you just wanna make it easy and you say my arm is going to be about ten thousand dollars a year for the next several years i'm gonna keep forty fifty sixty thousand dollars in a stable area nice safe area so that i know that i don't have to think about it like i break the news hold on a second maybe we can explain this let's maybe we can use your actual numbers so rather than talk about something in the abstract so if you can hold on during the news we'll come back to you it's important point with regard you required minimum distributions needs to be made so okay hold on anyone else eight seven seven planner we'll get to your calls eight seven seven p l a double n e r.
"ten thousand dollar" Discussed on KBNP AM 1410
"Would do conversions maybe the again we'll just pick on some numbers a ten thousand dollar conversion now they're doing taxes they look at their statements stock that i converted in am paying tax on ten thousand dollars is now only worth seven or whatever whatever it is and i really don't wanna pay tax on ten when it's only worth seven now this is going to be a fairly short vibe situation because after this tax accounting year for two thousand seventeen we're not going to be able to undo them anymore but for somebody who did a conversion in two thousand seventeen they still have the ability to say you know what i don't like paying taxes on that that conversion either because i ran out of money and i don't want to have to pay the taxes or the security is worthless and i don't wanna have to pay taxes on phantom value that isn't there anymore the if if the conversion was done prior to december thirty first you can undo it you still cannot do it so how do we go about doing it and what value had this question this morning so he said i converted x number of shares two hundred shares of this particular investment do i just undo two hundred shares i moved to shares for my traditional ira to my roth ira and and the value was ex on the date that i did it to undo it do i just take those two hundred shares put a back into my traditional ira they lost money they're down in value and i'd rather not pay tax undo it well there's a lot of what did you do what happened and did that particular security first question is did that particular security issue any dividends or capital gains during the period of time that it was in the roth ira maybe i converted two hundred shares over and they issued a bunch of dividends and capital gains because it was a mutual fund or something well i have to undo everything that that stock value created or that investment created it's not just the two hundred shares at this point it's what was that work it's you're trying to make it as if it never happened so if i had left the two hundred shares.
"ten thousand dollar" Discussed on KOA 850 AM
"Have proven to work i'm rabbits the name of the startup is called nick thome and they say they offer a commercial application for the novel process of preserving brains called are you ready aldehydes stabilized cry row reservation that's right the brain is the big stir fried and they say essentially they they will turn the brain into glass promising enough they have actually won a couple of prizes from the brain preservation foundation a twenty five people have already signed up a ten thousand dollar deposit to join the waiting list but before you think this is a way for you to live forever there's a huge huge downside in order for the process to preserve a brain well enough to leave hope of an accurate upload into the cloud and retrievable from the cloud it has to be carried out at the precise moment of death or more precisely it has to be the cause of death yes said that and people have signed up the processes one hundred percent fatal and then there's no guarantee that they're going to be able to download it at some point fool and his money as they say are soon parted aright speaking of amazon dot com versus walmart walmart says all right we're gonna get into the business to an attempt to keep up the fight against amazon walmart is now expanding its grocery delivery service they say they're going to have one hundred cities by the end of this year basically works the same way as any other thing that you buy online you go on the website used the app i thought this was interesting walmart says they employ eighteen thousand personal shoppers and they're gonna be hiring more this is also a fascinating to me the company is going to be using crowd source delivery.
"ten thousand dollar" Discussed on KKAT
"Because you you'll save tax dollars there are marriage penalties in the tax code marriage penalties in the tax code a number of the mumbai by the way this makes no sense at all for the tax code to encourage you to get a divorce in order to save money but that's the way it is i'll give you an example a specific example of a marriage penalty in the tax code now itemised deductions the cap on the deduction for all state and local taxes of all kinds income property sales you name it that's a ten thousand dollar cap if you're single if you happen to be married it's a ten thousand dollars cap so if you get a divorce and become friends each could take assuming you return earned income you each could take up to a ten thousand dollar cap in other words you could double who could double your deductibility for state and local taxes by getting a divorce and becoming friends that's according to the text go debts away the tax code is written 10000 for singles ten thousand for married couples so if you're single plus single ten plus ten is twenty if you're married ten plus zero is ten so where they wrote it don't ask me why i have no idea i have no idea why they would allow the same amount four singles and mary its but that's what they did because that's not what they did with the with everything in the code not everything in the code is written that way look at standard deduction standard deduction in two thousand eighteen increases the twelve thousand for individuals but twenty four thousand for joint filed irs you see the disparity here if it's the standard deduction 12000 for singles twenty four thousand for married couples but if it's the tax deduction for itemised taxes it's ten thousand for singles or mary's this makes no sense of course but this is the way the code has been approved so we're going to get pushed back on various things although that's not going to be one of them and should be interesting but a lot of people basically got the shaft here and as i say the people who really get shift showed look at relocating as the obvious remedy for that problem because you did definitely get the.
"ten thousand dollar" Discussed on WDRC
"You'll save tax dollars there are marriage penalties in the tax code marriage penalties in the tax code um a number of the mumbai by the way of this makes no sense at all for the tax code to encourage you to get a divorce in order to save money but that's the way it is i'll give you an example uh a specific example of a marriage penalty in the tax code now uh itemised deductions the cap on the deduction for all state and local taxes of all kinds income property sales you name it uh that's a ten thousand dollar cap if you're single uh if you happen to be married as a ten thousand dollars cap sophie get a divorce and become friends he each could take assume you each had earned income you each could take up to a ten thousand dollar cap in other words you could double you could double your deductibility for state and local taxes by getting a divorce and becoming foreign such according to the text go debts away the tax code is written ten thousand for singles ten thousand for married couples so if you're single plus single ten plus ten is twenty if you're married ten plus zero is ten it's the way they wrote it don't ask me why have no idea i have no idea why they would allow the same amount four singles and mary its but that's what they did because that's not what they did with the with everything in the code not everything in the code is written at way look at standard deduction standard deduction in two thousand eighteen increases the twelve thousand for individuals but twenty four thousand four joint filed irs you see the disparity here if it's the standard deduction 12000 for singles twenty four thousand for married couples but of it's the tax deduction four itemised taxes it's ten thousand for singles or barry's this makes no sense of course but this is the way the code has been approved so we're going to get push back on various things although that's not going to be one of them and uh should be interesting but a lot of people basically got the shaft here and as i say the people who really get chef showed look at relocating as the hobby remedy for that problem because you did definitely get the.
"ten thousand dollar" Discussed on KBOI 670AM
"You'll save tax dollars there are marriage penalties in the tax code marriage penalties in the tax code um a number of them by the way of this makes no sense at all for the tax code to encourage you to get a divorce in order to save money but that's the way it is i'll give you an example a specific example of a marriage penalty in the tax code now itemised deductions the cap on the deduction for all state and local taxes of all kinds income property sales you name it uh that's a ten thousand dollars cap if you're single if you happen to be married it's a ten thousand dollar cap so if you get a divorce and become friends you each could take assuming you each had earned income you each could take up to a ten thousand dollar cap in other words you could double you could double your deductibility for state and local taxes by getting a divorce and becoming friends that's according to the tax go debts away the tax code is written ten thousand for singles ten thousand for married couples so if you're single plus single ten plus ten is twenty if you're married ten plus zero is ten it's the way they wrote it don't ask me why i have no idea i have no idea why they would allow the same amount for singles and mary its but that's what they did because that's not what they did with the with everything in the code not everything in the code is written at way look at standard deduction standard deduction in two thousand eighteen increases the twelve thousand for individuals but twenty four thousand for joint filed irs you see the disparity here if it's the standard deduction 12000 for singles twenty four thousand for married couples but if it's the tax deduction for itemised taxes it's ten thousand for singles or mary's this makes no sense of course but this is the way the code has been approved so we're gonna get push back on various things although that's not going to be one of them and should be interesting but a lot of people basically got the shaft here and as i say the people who really get shift showed look at relocating as the obvious remedy for that problem because you did definitely get the.
"ten thousand dollar" Discussed on KOA 850 AM
"With with one hundred ten thousand dollar income how much certainly i do you have uh total it said proximal close to i two hundred thousand so is the doctor or the lawyer my wife is more does she make is she makes about seventy elton as what hey dr physical therapy she went to a private school long time and um so is that income increasing it it yeah and you may of you make 40000 then yes more than a dog incomes are increasing thurbers chemistry okay uh to hurt also i i you know the truth is i don't know if the facts you've got are correct big bear will could be i don't know i've never heard that you have to file uh jointly because you have an ira that doesn't make sense to me um it's not logical but iris is not always logic also on uh you'd because i razor not joint their individual retirement accounts or whether you have an ira or she has an ira does a force you to file jointly and even if you did filed jointly um i guess that means your income goes into the equation on her huge student loan debt that's what you're talking about right yeah and um you know she works for a nonprofit hospital so um you know that factors into part of wine her loan repayments long payment each month arm are so low impel were afraid of just taken you know a six eight hundred thousand dollars a month increase same too long payment.
"ten thousand dollar" Discussed on KELO
"The rest of the country's been subsidizing them we basically been encouraging people to dump to the cost of their state government on the rest of us now i know that's not popular with my friends and those delegations put his true what's it i live and so i'm going to get hurt by this bill but i i the principal though i agree with that getting rid of the state deductions but i do think reagan when hudson more by the way to put in a ten thousand dollar uh deduction for property taxes so but unless you are very very successful uh the combination of doubling the individual deduction and what they have done in terms of the property tax break i uh eighty percent or eighty five percent of the country uh even in a high catch states that still gonna be a tax break i'm in the second highest property tax county in the country nassau county long island by yeah i'm getting but i'll tell you why i'm supporting it on supporting it because i do believe this is going to encourage dramatic economic growth is a forecast out today that that went to three point eight percent fourthquarter gdp growth if we had four percent by the end of this year and then this if the senate can get this done it will be an opportunity and i've always been very a consistent i i want the people that have been left behind in poverty and on food stamps and out of the labor force i want them working this this bill is in about me i just don't like that republicans seen afraid of the argument i think it would be a much better plan larry kudlow actually agreed with me if you cut the tax across the board twenty percent of americans pay ninety some odd percent of the taxes it would have been a much better bill in theory but.
"ten thousand dollar" Discussed on KTLK 1130 AM
"Your ten thousand dollar credit card and the and the and the bill just keeps going up an or the balance just keep going up and up and up because you keep racking up interest that's what we're doing iin and we're still going out making purchases by the way just we'll just print more money in the take care of it right now problem so you know this threat of crisis and i don't understand why i mean i do understand unfortunately i'm being a little facetious too because it's all its offer politics right bret but at some point some body needs to take responsibility to be more than one person because another a couple you've got the justin marshall's of the world the ramp walls of the world the mike lease the world who are willing to say something but it needs to catch sean beyond the house freedom caucus to to be an actual plank of idle know the republican party that no we're not gonna we're not gonna keep engaging it in repeating this short this kicking of the can down the road i hit ease the cliche but it's apt we're not gonna continue this pattern of destructive irresponsible behaviour that is going to end in venezuelan style crisis if we it's not sustainable you have to actually addressed the spending and you know that's why we in the in the ongoing conversation about these these tax plans that are being floated none of it really interest me i i don't care about tweaks tax rates or tweet tax code if you're not going to do something about spending if you're not to do something about the debt if you're not going to do something about fiat currency in the the the feds manipulations in the economy those of the real things that actually matter in the longterm tax cuts yet they they make they sound nice.
"ten thousand dollar" Discussed on Money For the Rest of Us
"Well i used to just pay ended up doing in twenty seventeen is one i had a ppo rights which was nice to travel and you can even ppo the out of pocket deductible was reasonable or this year the blue cross divided up the state and these little pockets and like really little pocket so you're likely you're hospital wasn't even on there and if you went out of it the deductible was a hundred and fifty thousand dollars and so we had used high deductible plans was is like a ten thousand dollar family deductible and and it worked fine i mean i i set up an hsa but like the paperwork honestly and his money in there and just paid our expenses this year we ended up doing something i hadn't even heard of two months ago called a health share which is essentially a coop for health insurance that you don't have to pay the the obamacare penalty they've been around for decades and basically you you pay a premium but they called us share and it works just like health insurance but your healthcare costs get paid by other members and it was apprehensive about that but the they've been around a long time and it brought the cost of what it was going to be fifteen hundred dollars per for the the blue cross plan we were down to about five or six hundred now per month with a lower deductible wishes extraordinary so is this one of those christian ministry type plans.