40 Burst results for "Ten Thousand Dollars"
Fresh update on "ten thousand dollars" discussed on Elliman Daily Podcast
"Those are valued at one forty five. And i'd love to have you so today. If you're having a birthday today you get this course as my get. Who's having a birthday today. Everybody having a birthday today. Any birthdays okay. How many have a birthday this month. That's closest to today in three days. Liz laurie in brentwood famous list teens. Happy birthday happy birthday now. All i don't want to cause any clutter in your life if you don't feel like you need this doubt take it. Is this something that you could use and listen. It's not about me. i don't take it personal. I want you to be honest. Sure i'd love to use it. I was just saying. I got rid of a storage unit that i had for ten plus years so doing it now was it. How much was storage unit among omega. I spent over twenty thousand dollars now. That is such a miracle you gave yourself now. I want you to take that money that you would be paying on that storage unit. And i want you to invest it and how to grow. I took twenty five thousand on this book. He eighty twenty principle. So i wanted to test it. The eighty twenty principle twenty percent of your investments are eighty percent of your returns. So i got three stocks in two thousand five thousand. Now it's over hundred and ten thousand dollars and seven and a half years. I've got lot so take that money. Let it grow with new. And i'm excited to have you said the rest of you. If you'd like to join me i'd love to have you and i'm also launching a six month boot camp if you're interested in that that starts january as well I'm putting the finishing touches on it. So i'm not ready to announce it but let's just talk about the three week tele class right now and i just want to thank each and every one of you for coming. I'm used to being in person. I'm an ad-lib comedian. I really not that funny without you so And so much more to speak about. So i'm looking forward to coming back and peter at the team. Thank you for all that you do for all of the people in your community and your world because you're really changing lives with all that you offer in the education that you do so they could be the best versions of themselves and for that that is amazing visor. In good hands with this company will give kathleen a big virtual applause where she just amazing. We love him catholic. Thank you so much for coming thing for us please. I'd have benny another friday morning drive. We'll see you next week. Email me if you're interested by everyone..
Fresh update on "ten thousand dollars" discussed on Boomer & Gio
"Ncua the morning show with boomer esiason and greg saudi boomer and geo so is right around thanksgiving right before thanksgiving and i was lucky enough to witness this whole thing as boomer looks down as phone and goes you know i got a call from a number that i i don't know who it is. And they left a voicemail. I gotta listen to this so boomer. Listen to voicemail and he goes. Well i got a call her back and the next thing you know he goes back into his office and he's on the phone and i remember that day because i wanted to say something to him before i left and he was on. The phone was on the phone. he's on the phone. The next day he was on the phone he was on the phone. And so what's going on. And he explained to me this incredible story and this incredible woman who had reached out to him and needed some help. And that's what we've been doing all day today is helping out and there's no way that any of this would have happened in. Oh by the way just on the donations since we brought up early this morning on the winters brothers center for autism page. That's fifty one thousand dollars have been raised. And that's not including boomers match our caller joe from new jersey's match paul from new jersey. I'm sorry paul from new jersey's match and there's another ten thousand dollars right from mike coma sarik who also so. That's an extra sixty thousand dollars on top of the fifty one that we have raised this morning. A we're talking about a hundred ten thousand dollars so far when we brought this up at six fifty this more and plus there was already about twelve thousand raise prior to that on a gofundme page that we moved over to this so we had to talk to this wonderful special miracle woman who got this whole thing started. She's with us right now and this is her journey. This is her story. And it's susan palladino susan. Good morning thanks for joining us. Our you morning. Good how about yourself. We're doing great susan. End the from your perspective. When you knew that boomer was a guy to go to the tell us when a thought popped in your mind i gotta get the boomer. At just was he saw me. St- islip i know he's got a great hot and people love them and i'm like i'm reaching out and i'm just not gonna stop. I'm gonna say away now. Don't did you get his number. Who gave us number and angel island susan we. We've spoken a number of times. We texted a lot for sure. So you're you're the one who really is the impetus behind saving colleen's home and giving calling a safe place and a place for her to to live now as her mother is going through some very very difficult times. Kind of give us an update. As to how colleen's doing and does she realize what's happening. She's doing amazing. I definitely see a change. And i feel like cuss. Spirit is listed and Definitely some excitement..
Fresh update on "ten thousand dollars" discussed on We Live Here
"What the officer was doing to. George floyd even though that happened. When win that happened it allowed us to almost be present to almost feel just as helpless as i imagine everybody else did as they watched law enforcement take somebody's life. That's stirring that's powerful enough. I think if art can do a job of illustrating the power in those moments the helplessness in those moments how we cry out how we move how we act how we drop our heads in despair or liftoff is in hope. Art has the opportunity of creating this moment where we can experience things in a far deeper level than just reading a news report. The power of art form is the reason why m. k. believes black artists needs to be supported more financially for their creativity boldness and tenacity but there are structural barriers in the way of their reality. Say louis we have a lot of arts organizations or institutions They they support are in various ways. What saint louis is. Missing is a viable market for black artist. Meaning that unless you. I'm just gonna speak strictly from creating bart such as portraiture and such you know so there's a market you know for for our in some people able to tap into them more i can. They know people who are collected the know people who have money and these things manifest In ways that allow for artists to make a sizable amount of money. So you'll have somebody on the north side whom i made a hundred dollars off a painting. Have somebody in webster. Groves kirkwood the mace ten thousand dollars off paint. If even if the artist is selling their painting out of his or her truck they are getting the full one hundred dollars in as if the artist selling in webster groves is splitting a percentage with the galleries the galleries maybe retaining a forty percent. So that would be four thousand dollars of a ten thousand dollar painting. Artists make six thousand dollars. Eila scenario The volt scenarios artists can get paid but obviously the website roles harry of artists in pay so much more. why are.
Fresh update on "ten thousand dollars" discussed on The Young Turks
"We're the oldest show on the internet. Isn't that amazing. Isn't that amazing. Fifteen years in internet years is a thousand five hundred years For everyone else we have somehow survival of that anyway. One way you could celebrate. I'm going to tell you one. We're celebrating it. That's by going back to the to our show next week but okay. So that's coming up. You're gonna love that so much more programming again. Starting next week obviously six. Pm eastern so check that out and then and then. I want another celebrate. I'm not saying you can get fifteen bucks or even a hundred and fifty or fifteen hundred for fifteenth birthday so we can finish superstrong and actually get to our two million goal at the end of the year because the last month i'm just saying. Trt dot com slash. Go so real. Quick the thermometer before we get started and this is for the month of december but were behind overall for the whole year. Ten thousand dollars you got to go to go to. It dot.
Fresh update on "ten thousand dollars" 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.
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.
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.
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
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
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 dollars" Discussed on NewsRadio 1020 KDKA
"To ten thousand dollars a month so we help clients get eligible for Medicaid to cover the cost of that care we also do pre planning for individuals who feel like you know in the future this going into a long term care facility whether it's in a nursing home or assisted living might be you know in their in their future will help them do pre planning for that so they can protect as much of their assets as they possibly can overwhelming is that when you tell people that because if I get the impression somebody comes to you they don't know more than they know and they're getting information that could be startling how overwhelming can that be in the midst of having to sort out a a possibly a family health issue on top of it it's it's extremely overwhelming you know I think a lot of our clients come to us for an initial consultation at our office and they are distraught and they're worried they're stressed out I actually was just talking to somebody today that said she needed some answers about care for her mom she hasn't slept for weeks she hasn't you know she's totally stressed out but the good news is most of the time I think it and this particular client left the meeting and she said to me I feel like I can sleep tonight and I told her I said that means I'm doing my job because what we need to do is make sure that people understand that this process doesn't have to be scary but they need to know the facts they need to know and they need to know the facts from a soap from the source that understands how the process works half of the problem with with long term care in Pennsylvania is that people hear rumors about certain things for example we hear from clients all of the time Medicaid took my house that's actually a Medicaid's are coming and stealing your house or to locking the doors house what that means is there could be in a state recovery issue it because maybe you haven't done proper asset protection for someone that's on Medicaid for example and we hear stories all the time about people who are you know selling off all their assets to pay for long term care because they talk to somebody at the grocery store who said that that's what they should do right so half the battle is telling the person who comes in very stressed out after having talked to the deli person it doesn't have to be it doesn't it doesn't have to be the same that it was for your neighbor because if you start working on this stuff early on we can come up with a plan for you to protect a huge portion of your assets so that you can not have to worry and so that maybe you can sleep at night when you talk about early on planning what is early on Timea is theirs is there a subscriber or a set you need to think six months before this is an issue or a year before this is an issue or just as soon as you can I mean is earlier I mean as early as possible and I mean the reality is in human nature is a lot of times people just don't do that I mean what Janis sang is that what you want to do so you generally people in their late fifties early to mid sixties I mean ideally that's when you want to start to do the pre planning when you were a well you know when you do have some assets to protect you don't generally want to wait until you're you're in your eighties or nineties or sums sudden illness befalls you or your spouse or a loved one because it's not too late at that time but you can't really do a lot of pre planning when when you actually find yourself for a loved one in there and the nursing home not to say there's not a lot we can do there certainly is like Jen said you just ideally the time you want to plan like I said you can do as early as possible but ideally you want to do it you know sixties early seventies maybe one general you when your spells are fairly healthy basically if you've got questions and I know people always do if you've got questions for bin or for Jennifer you can call eight six six three nine one ten twenty you can also text your questions that same number eight six six three nine one ten twenty we'll be talking for the rest of the hour with Jennifer Biddle and been are so I've got questions will get the mine after this and lectures come in first thing years take priority it's Pittsburgh works on KDKA.
"ten thousand dollars" Discussed on News Radio 1190 KEX
"Ten thousand dollars in debt feel like you're on a never ending treadmill staying in one place and never getting ahead with those minimum payments don't let the credit card companies bully you anymore there are programs in place to help you get free of your death and you don't have to pay the entire amount you owe the program at total financial freedom can help you get debt free and months instead of decades called total financial now at eight hundred eight nine nine eighty nine twenty two that's eight hundred eight nine nine eighty nine twenty two recovering from a disabling effects of a stroke is challenging hi sis three is a clinical research study to determine if a study drug made from stem cells will help improve function in people aged thirty five to seventy five who have limited moving in there are sand or legs up to eleven months after having a scheme extra qualified patients will receive all study related care at no cost at compensation will be provided for travel if you or a loved one qualifies call one eight five five eight two one four eight zero nine or visit pie sees three dot org we enjoyed you mail and I just wanna see is lucky to have a black and white lucky caring for my brother is far from easy waking up every day lifting him from the bed to the wheelchair to the car to get him to therapy on time it's no small task between the doctors in the diagnosis but nothing can disable the slough this is my Big Brother in the owns and links so I'll be his see there's no time to tired this starts again tomorrow should be waiting for.
"ten thousand dollars" Discussed on TechStuff
"You ten thousand dollars in by the domain name for you it would go through your registrar and you would get contacted for it but your your information is not the the information out there so there's a proxy between you and then yeah that would have helped him to he had something like that. In place it would have helped lock it down google the it's kind of interesting because what google showed them was <hes> m star star star star star star and at the g mail name they were pretty right in guessing that it was his first initial last name yeah he had that address it at at several places he points that out and that was that was easy could google fixed that and make it more obscure so that it wouldn't be so easy to gas ask maybe could he have picked more difficult name to use as backup email address. Probably these are there lots of little stuff that everyone involved could have done to make it more difficult and there's google also has a two step verification process exactly what i was going to mention next. The feeling to part of authentication is is a useful approach also. I've used it yeah. I've used it. It's so two part of it is kind of what sounds like you need. You need to have two different things. In order to be able to access the account and a typical approach is that you register a phone number with whatever the services of like a cell phone registered that cell phone with whatever the services and then when you try to access it <hes> you have to be able to provide not only the password but then an authentication code is sent to your device that you have registered yup and you have to insert whatever that that number is and then then you can and then and only then you can actually access whatever the account is yes and that helps a lot because as long as that device remains in your possession and no one has been able to intercept it in any way way you should be fairly safe so even if they try to reset the password they can't get access to it because they're trying through a a different device that has not been registered <hes> and then you get that that message in we've seen very <hes> variations of this as well not just too thin occasion but also registering devices with services like lots of them do that so that you can look at the different sessions. There are logged in through a particular service service and then if you if you see that there's one there that you don't recognize someone might have access to your account so for example facebook does this where if you ah try and access your facebook account through different devices in may tell you hey. I don't recognize this device. This isn't something that you've used to access this account before and it'll send an email to you and let you know if you are <hes> that that hey someone's accessing this. Is this you do because if it's you it's cool but it's not you then. You need to look into this job from two thousand nineteen again <hes> well. You know we still have some more information to give you about this particular story but before we dive into that we need to take one more break..
"ten thousand dollars" Discussed on MyTalk 107.1
"Ten thousand dollars I believe the insurance was I'm power between ten and twelve percent in I mean Sir I think it was between I know that I know Danny but the wedding loan business is a big growing each right and then Daddy let's play the third cut this is a personal finance kids get behind again the next one okay here we go he's not alone The Washington Post reporting online lenders say they are issuing up to four times as many wedding loans as they did just one year ago with many of the loans used primarily as a way to fund extras like custom calligraphy Donna displays an Instagram worthy venues where to stop taking my head but if anyone knows anyone or is done this I mean it's I wonder if it's just the pressure that your wedding has to be Instagram a bold like she's sad I'm six five one six four one one oh seven one E. I know a lot of people have been at weddings there some things that I thought would that are really magnificently beautiful at weddings and some that I wouldn't do it I I cannot in my heart of hearts ever imagine going into dad being young I bet my house or ask your parents to go into debt well that's a different thing remember that these kids I just wish that couples would not feel this pressure to do what they're best friend there or what do what you want to do for a wedding let's go where you want to put the money if it's toward the Instagram mobile features than do that if it's to have a string quartet do that don't for that was there don't have eight bridesmaids in a groom's man have like three or four when I go to a wedding and there's like this massive wanting a public why why do you want twelve people on each side that looks ridiculous it's it's just something but I think it's the pressure I don't know I'm so grateful that we didn't have this pressure of looking at other people's weddings and seeing all they did this this and this and I think that there might be easier ways to do it but I don't know Johnny do we have some people and we we do not let me finish all right there you go okay and I and I yeah okay yeah I mean we we talk a lot and you know my mom no no like people care more about like and like you know I just fine and you know you don't like you know I recently went to a wedding where the gap actually and they were covered well like all well right yeah okay yeah that's still are you when your boyfriend does he want to spend more than you do or your mom is just like Hey right yeah my mom is like you know what well he's you know okay.
"ten thousand dollars" Discussed on NewsRadio 1080 KRLD
"I give you ten thousand dollars. You take that down to the Bank you pay off your eight thousand they give you the title. Two thousand in your pocket. It's very easy. And then you get the title of me the buyers not a problem at all. Then the second thing is if your upside down on a car, meaning you owe more on it than it's worth. So the car is worth ten thousand. But you owe twelve thousand you gotta come up with that other two thousand as part of this transaction, I give you ten thousand. I'm gonna want the title. And so you got to put the other two thousand with the ten thousand the buyer gives you in order to pay the car off. And so that you end up with the title in your hand to be able to give it to me if I'm the buyer or whoever your buyer is right? So that's exactly how it works. But yes, you can certainly sell a car if there's a loan on it in most states, there's different processes in different states. But in most states, if there's a loan on the car, you give me the car if I'm the buyer give you the check you give me a Bill of sale, and I we both signed the Bill of sale. And I become the owner of the car you take the money. Go get the title and bring it to me as soon as you get it from your Bank, sometimes that takes a few weeks. But they I'm I'd leave with your car, you leave with my money, and we do a Bill of sale. That's how it's done in most states. Someplace with a little different check on what the processes of your state that definitely you can sell a car if it has dead on. This is the Dave Ramsey show. The last thing I want you.
"ten thousand dollars" Discussed on WTVN
"Over ten thousand dollars in credit card debt, listen up. The following information could save you a lot of money the credit card companies don't want you to know this. But if you can't afford to pay off all your credit card debt, I've got news for you. You may not have to call one eight hundred five hundred zero four six zero. I'm not talking about bankruptcy. I'm not talking about debt consolidation. I'm talking about credit associates experts at negotiating down credit card debt to a lot less than you. Go to find out how much of your debt could be forgiven. Call one eight hundred five hundred zero four six. Zero. If you can't afford to pay off all your debt, do not let the credit card companies trick you into thinking that you have to call creditassociates now for free information on how to get debt free faster than you ever thought possible without bankruptcy or debt consolidation. We depend on your success and offer a guarantee so there's no risk to call for free information. Call now, one eight hundred five hundred zero four six zero one eight hundred five hundred zero four six zero prescription products required online physician consultation at are only available at the position determines the prescription is appropriate. See website for full details. Hey, guys, I'm still Denzil the active ingredient in that little blue pill. You know that helps men with ED now I'm in generic Pillet for him Stott com. Used to be not everyone can afford me. The now I can be yours for his dot com. Connects you to licensed doctors can prescribe me online, and then send me to your door that should make you stand up and share to get started for just five bucks. Go to forums dot com slash eighty. That's F O R H I M S dot com slash eighty..
"ten thousand dollars" Discussed on KSFO-AM
"Over ten thousand dollars in back taxes you've called every tax firm out there. They all say the same thing making promises they never keep. And you're sick of it. What you really need is a new start on your back taxes. If you're faced with garnishments, levies, audits or years of unfiled tax returns, we'll fight to get you. The new start you deserve. Call one eight hundred three one to ninety nine seventy our new start program could stop collection efforts, remove any leans, the IRS has in place and help you reduce your back taxes by as much as eighty percents. That's right. Eighty percent, don't wait until another tax season ends and another year of penalties and interest are added to your balance. If you owe at least ten thousand dollars to the IRS and need a new start on your back taxes. Call one eight hundred three one to ninety nine seventy that's one eight hundred three one to ninety nine seventy lead though professionals. They coast one financial group fight to get you. The new start you deserve. Again. That's one. Eight hundred three one to ninety nine seventy if you can't seem to stay ahead of your bills. Then this message is for you. How would you like to have a large portion of your credit card debt, medical bills and department store debt forgiven? National credit card relief would like to give you free information on a proven debt-forgiveness program. This program has been used by thousands to legally forgive millions and unsecured debt. It's not bankruptcy. It's not consolidation. This special program actually wipes clean the portion of your debt that is forgiven from what you owe your creditors. Call for free information and get all your questions answered in the first free, call the more you owe the more you can save if you have at least ten thousand dollars or more in credit card bills this debt forgiveness program can be very effective. Call for free information and find out more now. Eight hundred two nine one six six seven. There is no cost or obligation for the information. Don't wait. Call eight hundred two nine one six six seven zero. That's eight hundred two nine one six six seven zero..
"ten thousand dollars" Discussed on Xtra Sports Radio 1300 AM
"Over ten thousand dollars in back taxes you've called every tax firm out there. They all say the same thing making promises they never keep. And you're sick of it. What you really need is a new start on your back taxes. If you're faced with garnishments, levies, audits or years of unfiled tax returns, we'll fight to get you. The new start you deserve. Call one eight hundred three one to ninety nine seventy our new start program could stop collection efforts, remove any leans, the IRS has in place and help you reduce your back taxes by as much as eighty percents. That's right. Eighty percents don't wait until another tax season ends and another year of penalties and interest are added to your balance. If you owe at least ten thousand dollars to the IRS and need a new start on your back taxes. Call one eight hundred three one to ninety nine seventy that's one eight hundred three one to ninety nine seventy let the professionals at coast one financial group fight to get you. The new start you deserve. Again. That's one eight. Eight hundred three one to ninety nine seventy if you can't seem to stay ahead of your bills. Then this message is for you. How would you like to have a large portion of your credit card debt, medical bills and department store debt forgiven? National credit card relief would like to give you free information on a proven debt-forgiveness program. This program has been used by thousands to legally forgive millions in unsecured debt. It's not bankruptcy. It's not consolidation. This special program actually wipes clean the portion of your debt that is forgiven from what you own your creditors. Call for free information and get all your questions answered in the first free, call the more you owe the more you can save if you have at least ten thousand dollars or more in credit card bills this debt forgiveness program can be very effective. Call for free information and find out more now. Eight hundred two nine one six six seven zero. There is no cost or obligation for the information. Don't wait. Call eight hundred two nine one six six seven zero that's eight hundred two nine one six six seven zero get your debt problems solved. Call eight hundred two nine one six six seven. Oh today. Not available in North Dakota. Hey, cybercriminals, stole the w two forms from my friend's company, skimmers, impersonate CEO's in Email and also launch attacks from compromised accounts. What if they target.
"ten thousand dollars" Discussed on KDWN 720AM
"Ten thousand dollars in back taxes you've called every tax firm out there. They all say the same thing making promises they never keep. And you're sick of it. What you really need is a new start on your back taxes. If you're faced with garnishments, levies, audits or years of unfiled tax returns, we'll fight to get you. The new start you deserve. Call one eight hundred three one to ninety nine seventy our new start program can stop collection efforts, remove any leans, the IRS has in place and help you reduce your bags accidents by as much as eighty percents. That's right. Eighty percents don't wait until another tax season ends and another year of penalties and interest are added to your balance. If you owe at least ten thousand dollars to the IRS and need a new start on your back taxes. Call one eight hundred three one to ninety nine seventy that's one eight hundred three one to ninety nine seventy lead the professionals. They coast one financial group fight to get you the new. You start you deserve. Again. That's one eight hundred three one to ninety nine seventy. If you can't seem to stay ahead of your bills. Then this message is for you. How would you like to have a large portion of your credit card debt, medical bills and department store debt forgiven? National credit card relief would like to give you free information on a proven debt forgiveness program. This program has been used by thousands to legally forgive millions in unsecured debt. It's not bankruptcy. It's not consolidation. This special program actually wipes clean the portion of your debt that is forgiven from what you owe your creditors. Call for free information and get all your questions answered in the first free, call the more you owe the more you can save if you have at least ten thousand dollars or more in credit card bills this debt forgiveness program can be very effective. Call for free information and find out more now eight hundred two nine one six six seven zero. There is no cost or obligation for the information. Don't wait. Call eight hundred two nine one six six seven zero that's eight hundred two nine one six six seven zero get your debt problems. Solved. Call eight hundred two nine one six six seven zero today. Not available in North Dakota. Are you looking for senior care for your mom or dad, but don't know where to start? Hi, I'm Joan.
"ten thousand dollars" Discussed on KTRH
"To ten thousand dollars or more in credit card debt, medical bills or department store debt to qualify. So call four free debt forgiveness information now at eight hundred two zero seven eight thousand five fifty eight that's eight hundred two zero seven eight thousand five fifty eight. Discover the secret to having your credit card debt forgiven. Call eight hundred two oh, seven eight five fifty eight eight hundred to seven eighty five fifty eight. You owe over ten thousand dollars in back taxes you've called every tax firm out there. They all say the same thing making promises they never keep. And you're sick of it. What you really need is a new start on your back taxes. If you're faced with garnishments, levies, audits or years of unfiled tax returns, we'll fight to get you. The new start you deserve. Call one eight hundred three one to ninety nine seventy our new start program could stop collection efforts, remove any leans, the IRS has in place and help you reduce your back taxes by as much as eighty percents. That's right. Eighty percents don't wait until another tax season ends and another year of penalties and interest are added to your balance. If you owe at least ten thousand dollars to the IRS and need a new start on your back taxes. Call one eight hundred three one to ninety nine seventy that's one eight hundred three one to ninety nine seventy they'll professionals at coast, one financial group fight to get you. The new start you deserve. Again. That's one eight hundred three one to ninety nine seventy. Does your basement or crawlspace have damp, musty smell? We'll watch out. That's a sign of too much moisture and not enough then elation, and that can mean increased mold growth and buildup of harmful toxins in gases. Don't bother with a dehumidifier it just circulates the same unhealthy air. Now. There's a better way to remove these dangers and odors. It's with a computerized wave ventilation unit that reduces moisture and expels pollutants with wave units..
"ten thousand dollars" Discussed on KNBR The Sports Leader
"Over ten thousand dollars in back taxes, you've called every tax firm out there. They all say the same thing making promises they never keep. And you're sick of it. What you really need is a new start on your back taxes. If you're faced with garnishments, levies, audits or years of unfiled tax returns, we'll fight to get you. The new start you deserve. Call one eight hundred three one to ninety nine seventy our new start program could stop collection efforts, remove any leans, the IRS has in place and help you reduce your back taxes by as much as eighty percents. That's right. Eighty percents don't wait until another tax season ends and another year of penalties and interest are added to your balance. If you owe at least ten thousand dollars to the IRS and need a new start on your back taxes. Call one eight hundred three one to ninety nine seventy that's one eight hundred three one to ninety nine seventy let the professionals they coast one financial group fight to get you. The new start you deserve. Again. That's one eight hundred three one to ninety nine seventy. Is credit card debt ruining your life? Now, you can have a large portion of your credit card debt forgiven. Get relief today wants to give you free information. That shows you how this program is proven to work for credit card debt, medical bills and department store debt. Thousands of people have used it to have a portion of their credit card debt forgiven. Call now for free information and consultation. We'll give you the secret to this money saving program, absolutely free. Get eye-opening information that could save you thousands of dollars a year or a month, depending on how much you owe. The more you owe the more you can save all you need is to ten thousand dollars or more in credit card debt, medical bills or department store debt to qualify. So call for free debt forgiveness information now at eight hundred two zero seven eight thousand five hundred fifty eight that's eight hundred two zero seven eight thousand five fifty eight..
"ten thousand dollars" Discussed on WXYT CBS Sports Radio 1270
"You over ten thousand dollars in back taxes you've called every tax firm out there. They all say the same thing making promises, they never keep and your sick of it. What you really need is a new start on your back taxes. If you're faced with garnishments, levies, audits or years of unfiled tax returns, we'll fight to get you. The new start you deserve. Call one eight hundred three one to ninety nine seventy our new start program could stop collection efforts, remove any leans, the IRS has in place and help you reduce your back taxes by as much as eighty percents. That's right. Eighty percents. Don't wait until another tax season ends at another year of penalties and interest are added to your balance. If you owe at least ten thousand dollars to the IRS and need a new start on your back taxes. Call one eight hundred three one to ninety nine seventy that's one eight hundred three one to ninety nine seventy let the professionals they coast one financial group fight to get you. The new start you deserve. Again. That's one eight hundred three one to not. Ninety nine seventy if you can't seem to stay ahead of your bills. Then this message is for you. How would you like to have a large portion of your credit card debt, medical bills and department store debt forgiven? National credit card relief would like to give you free information on a proven debt-forgiveness program. This program has been used by thousands to legally forgive millions and unsecured debt. It's not bankruptcy. It's not consolidation. This special program actually wipes clean the portion of your debt that is forgiven from what you own your creditors. Call for free information and get all your questions answered in the first free, call the more you owe the more you can save if you have at least ten thousand dollars or more in credit card bills this debt forgiveness program can be very effective. Call for free information and find out more now. Eight hundred two nine one six six seven zero..
"ten thousand dollars" Discussed on KDWN 720AM
"You owe over ten thousand dollars in back taxes you've called every tax firm out there. They all say the same thing making promises they never keep. And you're sick of it. What you really need is a new start on your back taxes. If you're faced with garnishments, levies, audits or years of unfiled tax returns, we'll fight to get you. The new start you deserve. Call one eight hundred three one to ninety nine seventy our new start program could stop collection efforts, remove any leans, the IRS has in place and help you reduce your bag taxes by as much as eighty percents. That's right. Eighty percents don't wait until another tax season ends and another year of penalties and interest are added to your balance. If you owe at least ten thousand dollars to the IRS and need a new start on your back taxes. Call one eight hundred three hundred ninety nine seventy that's one eight hundred three one to ninety nine seventy let the professionals at coast one financial group fight to get you the new. New start you deserve. Again. That's one eight hundred three one to ninety nine seventy. We deliver T shirt and everything. What you've got so much more. Fedex delivery.
"ten thousand dollars" Discussed on 94WIP Sports Radio
"Over ten thousand dollars in back taxes you've called every tax firm out there. They all say the same thing making promises they never keep. And you're sick of it. What you really need is a new start on your back taxes. If you're faced with garnishments, levies, audits or years of unfiled tax returns, we'll fight to get you. The new start you deserve. Call one eight hundred three one to ninety nine seventy our new start program can stop collection efforts, remove any leans, the IRS has in place and help you reduce your back taxes by as much as eighty percents. That's right. Eighty percents don't wait until another tax season ends and another year of penalties and interest are added to your balance. If you owe at least ten thousand dollars to the IRS and need a new start on your back taxes. Call one eight hundred three one to ninety nine seventy that's one eight hundred three one to ninety nine seventy let the professionals they coast one financial group fight to get you. The new start you. Deserve. Again. That's one eight hundred three one to ninety nine seventy is credit card debt ruining your life. Now, you can have a large portion of your credit card debt forgiven. Get relief today wants to give you free information. That shows you how this program is proven to work for credit card debt, medical bills and department store debt. Thousands of people have used it to have a portion of their credit card debt forgiven. Call now for free information and consultation. We'll give you the secret to this money saving program, absolutely free. Get eye-opening information that could save you thousands of dollars a year or a month, depending on how much you owe. The more you owe the more you can save all you need is to ten thousand dollars or more in credit card debt, medical bills or department store debt to qualify. So call four free debt forgiveness information now at eight hundred two zero seven eight thousand five fifty eight that's eight hundred two zero seven eight thousand five.
"ten thousand dollars" Discussed on Classic Races
"He tacoma ten thousand dollars the winner of the right guard halfway challenge but right now bernie were down to nitty gritty time here at sears point as the lap count is sixty seven of seventy four that makes up the total distance here today there's still a lot of cars within striking distance to win this race nascar timing and scoring is showing some eighteen cars still be up there on the lead lap the leader as we talk about his tommy kendall there's a lap car between himself and rusty wallace that lap car being rick mast second right now is wallace third mark martin fourth as davey allison and fifth is ricky road six right up there the top of the running order is kenny's freighter terry levada is being shown seventh rippled on eight allen kalicki ninth and rounding out the top ten is michael waltrip as they get ready to put the green flag back out and settle the bank with three hundred elmo langley gets in the throttle real heavy takes pace car out of the way the green flag is out at tommy kendall takes off and he gets a good start good jump on restarting heads up the hill meanwhile rusty wallace scrambling back there find a catch him as they worked away up to turn to angry in front of joe wallace has his hands full trying to get around the lap car rick bass that sits directly in front of rusty wallace further back mark martin finally cleared some slower traffic he's in third fourth davey allison v now ricky rudd charter three down the turn four tom kindle picking up a good distance over wallace about ten car lakes wallace down climb the clears the lap traffic till he'll come back in line is rick bass drops in behind everybody's single file behind also ricky rudd trying to make his way through some traffic rut now down to the bottom of the racetrack he'll get by the rick mass machine as well l so shep shuffling now down into turn number six tommy kendall with about ten carling says he heads onto the drag strip couple of pontiacs at the head of the class but make that ten car link lied about eleven or twelve now candle gets a good run up the hill and wallace is gonna feel a challenge for second mark martin goes by rusty wallace at the end of the straightaway wallace appears to have a problem the car not running well davey allison challenge wallace the outside down the hill here comes ricky right around wallace as well while it's definitely off the pace as they start down through the ss your leader tommy kendall by twelve mark martin with a whip out in seconds but getting after davey allison is third wallace hanging in there enforce the head of ricky rudd then the mass machine that kenny schrader up to sixty leader kendall kendall continues to pull away through char tan out to the outside of the racetrack mark morton trying to really that's about we're in the pits with rusty wallace pits heroin the engine billers here herro what's better i don't i know don't know dick rest account and said when he's.
"ten thousand dollars" Discussed on KSFO-AM
"You owe over ten thousand dollars in bag taxes you've called every tax firm out there they all say the same thing making promises they never keep and your sick of it what you really need is a new start on your back taxes if you're faced with garnishments levies audits or years of unfiled tax returns we'll fight to get you the new start you deserve call one eight hundred three one to ninety nine seventy our new start program could stop collection efforts remove any leans the irs has in place and help you reduce your back taxes by as much as eighty percents that's right eighty percents don't wait until another tax season ends at another year of penalties and interest are added to your balance if you owe at least ten thousand dollars to the irs and need a new start on your back taxes call one eight hundred three one to ninety nine seventy that's one eight hundred three one to ninety nine seventy let the professionals they coast one financial group fight to get you the new start you deserve again that's one eight hundred three one two ninety nine seventy is credit card debt ruining your life now you can have a large portion of your credit card debt forgiven get relief today wants to give you free information that shows you how this program is proven to work for credit card debt medical bills and department store debt thousands of people have used it to have a portion of their credit card debt forgiven call now for free information and consultation we'll give you the secret to this money saving program absolutely free get eyeopening information that could save you thousands of dollars a year or a month depending on how much you owe in fact the more you owe the more you can save all you need is two oh ten thousand dollars or more in credit card debt medical bills or department store debt to qualify so call for free debt forgiveness information now at eight hundred to seven eight hundred fifty eight that's eight hundred two zero seven eight thousand five fifty eight discover the secret to having your credit card debt forgiven call eight hundred two zero seven eight thousand five fifty eight eight hundred two zero seven eight hundred five.
"ten thousand dollars" Discussed on Let's Talk Bitcoin!
"Is ten thousand dollars robust that's the metric right how secure as this is it secur security isn't a bully it's it's not true false right yeah it's not is it since ryan nazi how it's a scale while we can actually measure that scale so once you have more contract out there that's me sitting there with ten grand in it for a month you can say the code behind that smart contract is probably ten thousand dollars secure that's a that's all you can say f you take that same contract and you hundred thousand dollars in and is still doesn't get hacked then maybe you can escalate and so i think this might be a hundred thousand dollars secure and it still certainly ten thousand dollars secure were making progress that's the only way really to measure the security in in a public open system like this ride is you expose money to its and see what happens and over time you're going to see some smart contracts or components of smart contracts are going to pass this test at increasingly larger amounts they're going to become robust because they've been tested again and again one of the really important things in a theory i'm is the if he wants to writing use smart contract that has a function of function for transferring assets or function for or function changing order ship ore function for splitting or whatever may be writing you function terrible idea what you do is you take an existing function that somebody else has not only written but tested in dozens or hundreds of other projects with serious money behind it.