35 Burst results for "Three Hundred Thousand Dollars"

How to Pursue the Tiny House Lifestyle With Intention

Tiny House Lifestyle Podcast

02:14 min | 1 year ago

How to Pursue the Tiny House Lifestyle With Intention

"Angelo barnard. Welcome to the show. Thanks for having me included to be here. Yeah excited to have you so I love. I love what you're doing but i wanna i wanna start with your your tiny story How long have you been living tiny and and what you know. Why did you decide to go. Tiny i've been living tiny for just over a year and the decision was made because my husband and i we moved from coastal south carolina up closer to north carolina in greenville area. And we were looking for home and we were shopping at that point in time we were really wanting to pay off all of our debt so when we started hearing that in the area you're expected to pay no two hundred three hundred thousand dollars for home. We're like you don't want to go in that much more debt around this journey they offer debt and i've always like loved the idea of living tiny and like focusing on. You know some complicity. Just really living. Your life focuses on experiences in having more of those versus more things. So that whole concept. That was really interested but what i found out how much the house is going for. And then i'm on this journey to pay off debt. My husband and i know like we don't even need a house. That bag realtor kept showing us all these homes in the fusion. Were like this just feels reckless and dumb. And it's not aligned with with us at the time with our goals so we ended up finding a tiny home. It was like a rain of being in the middle of the night. I got this team notification. 'cause i put up this notification or the setting to see homes that were under a certain price range and a tiny home packed up and i was like what i saw that there was this community and i wanna see this community so we ended up going to see this community and the community was pretty big about seventy homes in it. And we're like. Oh we kinda wanna live more less people. So they're like. Oh we have this new one down to roads so there was. I think like eight at the time and now in our community. There's ten tiny homes so we purchased a purchased a tiny home and we moved it into this little community. And we're on the lake and it's been a year since then and we're loving it

Angelo Barnard Coastal South Carolina Greenville North Carolina
Palo Alto Networks' 2021 Ransomware Threat Report Indicates a Ransomware Demands Surge

Cyber Security Weekly Podcast

02:05 min | 1 year ago

Palo Alto Networks' 2021 Ransomware Threat Report Indicates a Ransomware Demands Surge

"We're going to be getting into the palo alto networks ransomware threat report. Twenty twenty one and you'll devos president regional chief security opposite the i pay giants head that role. Sometimes i have. I was thinking alia So yeah thanks for joining again having this talk history. Some of the k. Phonics was when i was running up the nights it's Pretty impressive Intensive some of the payments. I will deal with what the bank paying and what they're making. I think we're in the wrong business but Maybe they will talk about how companies should be dealing with this because it sounds like companies have been dipping their hands in their pockets tying ransomware. Yeah in ranson. Look think i think from the beginning of this survey you'd really hang around if there is no money to be might actually bandies. Brass was actually quite lucrative has been quite literally footing for a number of us and people have been pike. I think that's the the last year specifically ran sort of cut not injuring himself. What we saw was the average mass pike by organization has dramatically increase. Two thousand nine saint louis sitting somewhere in the order of about fifty thousand. Us dollars was typically so the ransom in twenty twenty s nelson going out to three hundred thousand dollars Hundred and seventy one percent year on year growth just simply from the ransomware itself the rest payments obviously with within organizations insensitive. The rats in this thing paid for generations vessels the double from five minutes. And you're making some instances where the mice rats were example. We looked amazing. Twenty twenty actually averaging somewhere around the four point eight million dollars just to the rest where threat. The questionable of the survey making people the hesitant. Pike i don't see why for a second. The people are not paying. Because there's no reason why the ransomware would be going over and things would be going out out. Why was seeing normal ransom with resurrection. So puppy up.

Palo Alto Networks Devos Ranson Giants Saint Louis Nelson United States Pike
Houston day laborers suffer wage theft in post-winter Storm Work

Houston Public Media Local Newscasts

01:09 min | 1 year ago

Houston day laborers suffer wage theft in post-winter Storm Work

"In the wake of the winter freeze day laborers and other immigrant workers are already reporting incidents of wage theft. Is they help houstonians recover. Elizabeth trove all has more on. How many of the storm's second responders are in positions that are easy to exploit houston's fay who st. A worker center has received reports of people going unpaid for their work after making repairs after the winter storm. The group's legal manager jessica. Da's says they're expecting to see more claims she says it's part of a pattern she seen in houston disaster after disaster people new day laborers and the workers put themselves into vulnerable positions to secure job. It's a no question kind of scenario right. You just get in the car. Whoever gets in the car Get the job right. You don't even ask how much you're gonna pay you. You don't even ask about blair who they are. Where they're taking new gives says over the past year. Her organization has received reports of over three hundred thousand dollars of unpaid wages in the area from two hundred workers. I'm elizabeth travel in

Houston Elizabeth Jessica DA Blair
Market Power To The Beeple

The Indicator from Planet Money

02:38 min | 1 year ago

Market Power To The Beeple

"So after digital artist mike biebel winkelmann decided to get into the marketplace for tease. He set up an initial auction on an nfc platform called nifty gateway last october. These platforms are sites. That administers the supply of new tees and oversee their exchange and in addition to a couple of individual and. Ft's mike put up for auction. He also set up a kind of price experiment to give us fans cheap way into nfc ownership well also testing out the market. He decided to create a limited set of one hundred identical. Nfc's and to sell them for a dollar a piece. I i knew they were worth more than a dollar. But i thought they were. Maybe worth like maybe fifty or a hundred dollars and so these instantly sold out. And freddie immediately people started trading them because the thing with. Nfc's is you can immediately sort of resell them through the different platforms and because nfc transactions are conducted in the blockchain are all in public view. Blockchain is basically like an open ledger system where everyone can see every time. One of these unique ownership tokens changes hands. And for how much and this technology this wide open. Ledger holds a huge appeal for artists. Because every time an nfc is sold these platforms are able to offer a ten percent cut to people like people as a condition of selling their work in the first place and makes us within hours. People were flipping. Those one dollar tokens for thousands of dollars so fast forward to today those one dollar additions recently. This week sold for three hundred thousand dollars. You know when it resells ten percent is automatically goes into my wallet just to reiterate every time. somebody resells mike's an ts on one of these platforms. He's automatically cut into the deal for ten percent but she points out is a pretty marked improvement from how earnest get paid in the normal art market about a month after that first auction mike set up another. Nafta drop as they're called a series of about twenty separate nafta auctions that he scheduled to play out over the course of a weekend and makes his family win over to his brother's house for a kind of weakened watch party in the backyard. How much have you made by the end of that weekend. In december we it grossed three point five million and then after fees and everything kinda ended up to be about three point three million that i kind of take home not a bad in the backyard. That was a pretty good week. It wasn't too long after the success of those auctions before mike got word that a prominent member of that highfaluting art establishment that had long ignored his kind of art. Wanted to get in on. The action

Mike Biebel Winkelmann NFC Blockchain Mike Freddie Ledger Nafta
7-Year-Old Girl Raises More Than $330,000 to Pay for Brain Surgery At Boston Children's Hospital

The World and Everything In It

01:16 min | 1 year ago

7-Year-Old Girl Raises More Than $330,000 to Pay for Brain Surgery At Boston Children's Hospital

"Last summer seven year. Old liza scott opened up a lemonade. Stand at her mom's bakery near birmingham alabama. She spent her on. Well exactly what you might expect with. Strike the fancy of a seven-year-old girl new toys and sequined high heels months later this bouncy little girl is still in business but now the money is going toward something entirely different. Something very serious. Actually listen carefully here and you will hear a reference to a brain thing. But what's the money going to go for grain thing. Yeah what she's talking about here. Is the brain surgery. She faces next week at boston. Children's hospital as it turns out. Liza had been suffering a series of seizures and doctors determined cerebral malformations. Were the cause. Her mom elizabeth said that liza was not expected to help with these. 'cause she just wanted to her little stand brought in more than twelve thousand dollars in just a few days time. Nearly all of it through donations and our efforts have helped to raise broader awareness of her situation. Friends family. others who've been touched lies a story. They have already donated more than three hundred thousand dollars

Liza Scott Children's Hospital Birmingham Alabama Liza Seizures Boston Elizabeth
7-year-old Alabama girl helps to fund her own brain surgery

AP News Radio

00:38 sec | 1 year ago

7-year-old Alabama girl helps to fund her own brain surgery

"A seven year old Alabama girl is helping to raise money for her own brain surgery little Liza Scott was diagnosed with brain malformations earlier this year she'll have the first of what could be several operations Monday in Boston her mom Elizabeth says the family learned that even their good medical insurance wouldn't cover all the expenses little Liza wanted to help so she set up a lemonade stand their mothers bakeries savages bakery in suburban Birmingham so far she's taken in more than twelve thousand dollars in donations mom also set up an online fundraiser bringing in more than three hundred thousand dollars I'm Rita Foley

Liza Scott Alabama Liza Elizabeth Boston Birmingham Rita Foley
Arkansas school district goes solar, boosts teacher pay

Climate Connections

01:12 min | 1 year ago

Arkansas school district goes solar, boosts teacher pay

"In batesville. Arkansas teachers are getting raises. Thanks in part to solar power meghan renaissance communications coordinator for the batesville school district. She says that four years ago teachers salaries were below average for the state and lower than other districts in the county in order to attract and retain our staff. We wanted to increase the pay so the district started looking for ways to cut costs at the time. It was spending more than half a million dollars a year. On utilities to reduce energy costs the district installed thousands of led lights replaced windows. Donate fach units sealed leaks and improve building. Insulation handed installed almost fifteen hundred solar panels that now generate about half the district's electric. We're the first school district in the state of arkansas to invest in solar panels together the solar power and energy efficiency. Improvements are saving the district more than three hundred thousand dollars a year along with other cost cutting measures and state funding. Those savings have helped raised teacher pay across the district and that is going to continue to go into our teacher salaries. That's the whole goal. We want to be the best in the area for teachers because that means that our kids are getting the best

Batesville School District Batesville Meghan Arkansas
Navigating the Maze of Paying for College

The Book Review

05:31 min | 1 year ago

Navigating the Maze of Paying for College

"My colleague ron lieber joins us now. He is a personal finance columnist for the times and his latest book is called the price you pay for college an entirely new roadmap for the biggest financial decision. Your family will ever make ron. Thanks for being here. Thank you for having me. i you know. I had trouble reading that that subtitle. Because i am. I am one of those families This biggest financial decision that i will ever make. This is a big subject. Well i mean why not call it what it is right. I mean looms incredibly large not just because the list prices are so high but also because of the emotional component of the decision right. These are our children that we've invested a lot in both financially and emotionally and we're about to send them off into the world and the enormity is not to be underestimated especially emotionally but is the enormity we sort of put on the idea of college. Are we misplacing our priorities. When we think that college sort of equated with our children's future. I think it depends on who you are. And how much privilege coming to the table with me. And you're a new york times columnist and you went to a selective school and you are reasonably well networked. There's pretty good chance that your kid is going to be okay no matter what and no matter how you define okay whether it's income or friendship or connections or happiness in the world but if you're starting from someplace else right if you are from a low income background if you are a person of color. The school can make a sizable both difference in your trajectory. So it does depend on who you are. But i also understand why families who are more privileged than average get all caught up in the frenzy because it literally surrounds us in our communities in the media and certainly in the high schools you bring up an interesting point too about what the intended not just where you come from but what your purpose is what your intention is with regard to college. I mean some people see college as primarily a financial decision means to getting a job or career or even just getting by others see college and perhaps this is the the person of privilege viewpoint. As just a fundamental part of being an educated human being other people see it as a way to compensate for what they think was a shoddy secondary school education. Just kind of becoming reasonably well educated and then others of course it is like a fun way to spend four years should the way that you view college and its purpose influence how you view that investment yes and you hit each of the big three so i spent years asking people. What is Because you have to find that for yourself before you can go shopping for it and so there really are three components right people shop for an education right. They want their kids minds. Grown and minds blow number two. They go shopping for kinship. Right you're trying to find your people the people who will come to your wedding the people who will carry your casket the people who will hire you and also your mentors. The grown-ups who will influence you. And then the last part is the credential and people think about that in a couple different ways some people come to college because they are looking for you know the the basic degree that will allow them to grab hold of the middle class and hang on for dear life right so maybe they're coming from a low income background. They want to become a teacher. They want to become an account. They want to become a nurse. Know relatively recession proof jobs and then there are people who are reaching for the sort of gold nameplates. They want doors open to them. That might not be otherwise. And if they're already from a privileged background they're already part of a fancy alumni network. They don't want their children to you know downgrade in access or privileges and so they strive for it all right for people who are not conversant in the three numbers five to nine busily worrying about this. Let's just give a sense of. What does college costs. What is the cost in america of an average public school education and an average private school education right now well from the perspective of parents. We often use rice with cost rates that there's the net price or i'm sorry. There's a list price right so the list price at the most expensive private colleges and universities right now is over three hundred thousand dollars for four years and that's after taxes by the way right does that include like food and textbook. That's everything all in. Yeah at a flagship state universities. You may pay more than one hundred thousand dollars for four years. And that's if you can get through in four years and plenty of people cannot but the net price is something different. What's going on behind the scenes. Now is that there is not just the financial aid system of old where discounts were based. On what you earned what you had right so called need basting. There's also an entirely new parallel track of financial aid known as merit aid where people are given discounts for all sorts of reasons. Maybe because you're a good student or a good leader or maybe it's because the institution is in a market segment where just no longer has much pricing power. Maybe because everybody around it is discounting her because parents who have the ability to pay are no longer willing to pay for that particular institution so it's kind of unpredictable.

Ron Lieber The Times RON New York Times America
Chicken in a Petri Dish: Singapore First to Allow Lab-Grown Meat Sales

Business Wars Daily

03:30 min | 1 year ago

Chicken in a Petri Dish: Singapore First to Allow Lab-Grown Meat Sales

"It may look like chicken and tastes like chicken. But that doesn't mean it's actually chicken. Take eat just for example. The company cell cultured chicken also known as lab grown meat just got approval to be sold in singapore. It's the first time a country is given regulatory approval to sell lab grown meat other companies are working on lab grown beef poultry pork and seafood. What is lab grown meat. You ask good question. Well for starters. It is grown on a farm technologists. Take a sample of muscle tissue from an animal. Then they typically put the cells into a liquid or gelatinous substance housed in a bio reactor one of those sci-fi movie containers that grow organisms. Most of the lab created meet. Looks like ground beef or small nuggets. No one's growing sirloin steaks in a lab just yet scientific american reports that one cow tissue sample can yield enough meat to make eighty thousand quarter pounders without slaughtering a single cow. Singapore's approval may lead to a quote revolution. In-kind kind clean meet one analysis in the guardian claimed. And that's a big part of its appeal. Livestock production is routinely plagued with stories of inhumane treatment of animals. A university of oxford study says the lab grown meat would reduce greenhouse gas emissions by ninety six percent and use just one percent of the land currently used for commercial livestock production would also slash water use and contamination. By bacterial waste. Electricity use would likely be higher to create meet in a lab however while the singapore approval may seem like a sign of things to come the. Us is not anywhere close to approving lab grown meat but would be manufacturers like just eat and competitor mosa meet got one step closer last year the department of agriculture and the food and drug administration formed an agreement to regulate the sector jointly that regulatory framework shows that the us takes innovation seriously and may help us manufacturers attract more funding box. Report says aside from overseeing safety the joint regulators will also decide issues like whether manufacturers will be able to simply label their product. Meet without disclosing. The grown in a lab part mostly is planning to seek its initial regulatory approval in europe first food dye reports beyond regulatory concerns cost is another barrier to mass production several years ago when mosa meet unveiled its hamburger patties. They cost roughly three hundred thousand dollars. Each costs have come down as techniques for growing the meat have improved now just eat says it can bring in its products at roughly the price of premium chickens nbc reports and investors smell opportunity. Mosa landed another fifty five million dollars in september and eat just which also makes plant based egg products is valued at a whopping two billion dollars while more than half of the population is the concept of lab grown products for in ten. Call them scary and say they won't be putting them in the meal rotation anytime soon. According to dive alleviating those concerns will require manufacturers to devote more time to educating the public about their products but even with the promise lab created need for the environment and animal welfare and eating consumers may not by

Singapore Nuggets University Of Oxford Department Of Agriculture Food And Drug Administration Mosa United States Europe NBC
Using Big Data to Solve Economic and Social Problems

Sway

09:06 min | 1 year ago

Using Big Data to Solve Economic and Social Problems

"Fake data tends to get a bad rap and it often deserves it from facebook's tools being used to abuse privacy to amazon knowing everything you buy two apps tracking all of your movements kids data minefield for consumers these days but in the hands of the right person big data can actually be a force for good or at least one hopes a force for good policy and raj. Chetty is trying to do just that. He's ahead of harvard based opportunity insights research institute. That's working solve america's inequality problem one data set at a time chetty has been tracking millions of people doesn't of years and tens of thousands of american neighborhoods in the process. He's learned that the country could be losing out on millions of inventors and that a move of just two miles might alter the trajectory of a third grader. But jetties research isn't just sitting in long excel. She's on dusty shells. It's helping drive. Bill gates spends his billions of dollars of philanthropy or how president elect joe biden crafts his pandemic economic recovery plant. But one thing he does best was all his piles of facts and figures is to make it easy for even the nandi to rock and there's an explosive term for that you do. Things apparently called chetty bombs. I'm not sure you love that name do like that. you mind. i guess. I guess they're unique insights where you can visually see something to do. Visualization of. What's happening. And i think some of the ones that i thought were much more effective was around covid. Which is where spending is happening or not happening so talk a little bit about what you're doing around cove it so in kobe. We're using data from a bunch of different private companies to track. What's happening to various key outcomes spending employment levels business activity and so forth in in a nutshell. What we basically find happened in the past six months is that high income folks started to spend a lot less like thirty percent less billions of dollars less per day primarily because of health concerns so lots of folks have the capacity to work remotely to self isolate and as a result they started to basically go outside their houses less and spent much less in person services. Local restaurants shops and so forth. Those businesses particularly small businesses then lost an enormous amount of revenue and in particular business located in affluent areas to think about for example the upper east side of manhattan or the highest income places in san francisco. They lost something like seventy or eighty percent of their revenues so just a massive impact in contrast in some of the less affluent places. Like if you think about the bronx or parts of queens you see more like twenty or thirty percent declines in revenue so much less than what you're seeing and appetizers and so then you got all these businesses that have lost a ton of money so what you can do with these data has asked. Okay how do they balance their books. Like what are you gonna do when you have much less money. Well naturally you see these businesses start to lay off lots of their workers and in particular. They lay off their low wage workers. If you look at some of these crops you can see very clearly this pattern where for low income workers people making less than say twenty or thirty thousand dollars a year. Somebody who works in a sandwich shop in downtown area of san francisco for example exactly seventy eighty percent of those workers have lost their jobs whereas that same worker if they weren't even at the same chain so you're working at a report layers something like that and you happen to be working at a branch that was in a less affluent area. You were much less likely to lose your job. Just because spending happened to fall less in those areas perhaps because essential workers are still out in about behalf to be outside their house because of the nature of their jobs were as time can folks can typically self isolate and so what's ended up happening is basically because of this production spending by the rich. It's lower income people who born the incidence of chuck and losing their jobs and finding now is we've had essentially a v shaped recovery for high income. Folks were their employment levels are back to where they were pre covid where it's lower income folks. You're still twenty percent below six million jobs below where you were where they've gone the brunt of the economic distress which i think anecdotally people get which is interesting one of the things that someone was talking about the statistics around the trump voters that wealthier people did vote for trump and mike while they're doing okay more than you think and their income is the same so they're not upset about this issue particularly jibe. That's right karen. I think what's more though as you can see. It's not trust lower income folks in general but in very particular areas right so in the past in previous recessions but you tend to see is that it's lower income folks in less affluent cities who took the hardest head turns out in this recession. It's actually flipped so silicon valley. For example has some of the highest rates for low income. People serfs there exactly because it's the opposite of what you might have thought because of the mechanism you just talked about. So this is one example of i think what you can see in these data but importantly as you touched upon you can basically have folksy this for themselves by just plotting the data in a very simple. I'm just finishing on covid with the cares act. Does the stimulus. Bill have an impact. Then you have this data now that you're showing this. They still haven't passed one. Maybe that's a good thing because they didn't get to see this data yet and they were just sort of shooting in the dark. Essentially isn't going to be a wakeup call or are they going to change their behaviors of where the money is going to be seeing the stated. How does that translate. Well i mean. That's the aspiration so what we're hoping going forward and i've been talking with a bunch of folks and the president elect and folks the biden team. I think there's a lot of interest both among those folks and on the other side of the isles who have been speaking with in trying to understand how we can do better invite of having these sorts of data. Because you know of course. They're always political debates about what we should focus on. But i don't think anyone is in favor of just spending lots of money and ineffective ways so talk a little bit about that concept of understanding effect understanding results in action take in the context of the current crisis the important paycheck protection program about five hundred billion dollars of loans to small businesses to try to keep people on zero again in the context of kobe to try to keep the economy going to stop businesses from laying people off so the way that program was designed. Lots of businesses were eligible in particular businesses with fewer than five hundred employees. And as you said you know there was kind of a hope that maybe giving these firms this money is going to keep lots of workers on the payroll and will make the recession. Not as bad. So what we did is using data from payroll companies which are cutting paychecks for millions of workers. We basically compare trends and employment for firms that had fewer than five hundred employees and hence were eligible for the paycheck protection program versus firms. That more than five hundred employees and ends were not eligible. So you can make an analogy there to sort of a science experiment. You've got a treatment group. The firms that have fewer than five hundred employees that got this extra assistance and the ones that up more than five hundred employees service kind of a control group. They tell you what would have happened if you didn't get this ski enough and so what you end up. Seeing the data is you can follow employment levels week by week and you can see very precisely that after april third that when when this program went into effect employment did start to go up a little bit at the smaller firms relative to the larger firms by about two percentage points. But the problem is it's only a two percentage point impact of fortune for every cost five hundred billion dollars so it it cost about three hundred thousand dollars per job that we saved as a result. Some of these are low wage. Jobs jobs that are paying about forty thousand dollars a year typically. So you know. You're spending an enormous amount of money to save these jobs now. I think people started to figure out over time that lots of firms might be taking up this program who weren't gonna lay off any workers anyway and as a result it wasn't super cost effective but we figured that out only several months afterward and so the kind of vision. We add some of this big data. Work that we're doing. And this is why i think it can be a moral force for social good as in agean. You could see as you're gonna steering the economy to three weeks later while this is kind of working but maybe we need to target it at firms that lost a lot of revenue or redesign it a bit so that it's more effective or in specific geographies like this area doesn't need any money. This area does exactly what specific sectors right. there are certain sectors particularly hard. You can take a really data driven approach and in private companies. This would be second nature right. I try to sell this product. I figure out within a couple of months people are clicking on this. They're not buying us. I'm going to then tweak it. In some way and i think we could do that from a social perspective for for policy with in my view much larger stakes.

Chetty Kobe San Francisco Joe Biden Bill Gates Harvard Amazon Bronx Queens Facebook Manhattan America
Their Service Entitles Them To Low-Cost Loans. But Veterans Often Pay More.

NPR's Business Story of the Day

04:27 min | 1 year ago

Their Service Entitles Them To Low-Cost Loans. But Veterans Often Pay More.

"John. Four is a retired marine corps. Colonel he served for twenty seven years. Did you see the big fish jumped for is giving me a virtual tour of his harbourside house in a development in punto gorda florida. He's got a dock and a little powerboat and can you see the pool. Oh yeah oh. That's gorgeous yeah all right. Can you see the kayaks and the dock. Actually four is making me kind of jealous of his house at the start of the year interest rates were falling and he wanted to refinance with the. Va loan that has alone backed by the us. Department of veterans affairs vets and service members are supposed to be able to an extra low interest rate and better terms that way so you started calling around and he says the company loaned depot told him we can do. Va loan for you. But it's going to be at three seven five percent interest and they had a lot of fees in there but it was a lower rate than he had at the time so he says he was just about to do the deal with lump depot when he happened to see an ad for. Va loan to a company. Called own up. He went through them and he says he paid lower fees and got more than a full percentage point lower on the rate on his three hundred and thirty thousand dollar loan. That means about twenty five hundred dollars a year in lower payments. He he says when he went back and told loan depot about the better deal. They then offered him a much lower rate to as a veteran. You expect you're getting something from the government. I i was shocked that they didn't just tell me outright. What the best rate. What's a lot of veterans. Assume the same thing according to patrick boy adji. He's the ceo of own up. It's a new company that helps people find a good deal on home loans through a group of different lenders. He says veterans think. They're supposed to get a really good interest rate on a. Va loan so many. Don't shop around but says while these loans are backed by the va they're made by private companies and he says some will head people with much higher costs and basically a worse deal than they qualify for. And they're veterans the. Sit there and think to yourself that this person who served our country is now going to get taken advantage of. And they had no clue they had no idea so in his company did a study. They're releasing it today. They took the top twenty lenders for va loans and looked at the annual percentage rate that the companies charged borrowers on all the loans they made last year and so when we looked at the spread candidly. We were quite surprised that it was as wide as it. Was that the best lenders. And the worst lenders were so far apart from one another. The study found that navy. Federal credit union offered people. The lowest rates at the other higher cost end of the spectrum was a lender called new day. Usa it's a new day for veterans. Who want to refinance at me as a vet. The company is a sponsor of the army navy. Football game it runs. Tv ads with plenty of american flags. We wanna do whatever is best for the individual service person. The study found that of the top twenty. Va lenders new day charged. The highest interest rates more than a full percentage point higher the navy federal which over the life of three hundred thousand dollar thirty year loan is more than seventy thousand dollars. More in interest payments new day in a statement said that the study has a quote serious flaw. It said that's because the study lumps together different types of va loans. That are not the same but michael. Hoon is skeptical of that explanation. He's the president of the non-profit center for responsible lending. The information from this lender does not explain their borrowers are being charged so much more than other lenders are charging. Their va borrowers as far as loan depot. The company that john four. I talked to the study. Found that during two thousand nineteen. It's rates were about average. The company is also a recent financial supporter of npr biology. With own up says the big takeaway from his study for him is that people need to shop around and find the best rate that they can and negotiate for the best rate. Because if you don't it could be one of the most costly mistakes you make in your financial life that's good advice for. Va loans and other types of mortgages to chris arnold npr

VA Punto Gorda Patrick Boy Adji Department Of Veterans Affairs Marine Corps Colonel Federal Credit Union John Florida USA Navy Army Navy
SpaceX Starlink to go South for first time with planned deployment in Texas, west of Dallas

Geek News Central

01:39 min | 1 year ago

SpaceX Starlink to go South for first time with planned deployment in Texas, west of Dallas

"Spacex well, space starling to go south for the first time with planned deployment. In Texas, starlings first southern deployment focuses on students who lack home. Internet. They've agreed to provide service to forty five families in Texas School District and early twenty, twenty one and additional ninety families. Later on the school districts announced last week the announcement by Actor County Independent School district in Odessa Texas said, it will be the first school district he lay spacex satellites provide Internet for students. The project will initially provide free Internet service to forty five families and pleasant farms area of Sec south actor county as a network capabilities continue to grow expand his servant additional ninety actor county families. So, Early Twenty twenty, one total cost of three, hundred, thousand dollars, half of which is being provided by chiefs for Change and nonprofit group or school district leaders according to the deaths American families are selected. We'll get to Internet service free for one year. It's not clear whether any of the money's going to spacex the school district has some causes it plans to identify the families will get the service and facilitate delivery of necessary equipment to those homes. There's no other word and southern US locations yet nothing on northern US locations either. Because you know they said some time this twenty twenty, we would start seeing Beta in the northern part of the United States. and. Southern Canada. But They've got six hundred satellites up but nothing yet I've got no new notifications from Starlink.

Texas School District Early Twenty Twenty Actor County Independent Schoo Spacex United States Texas Odessa Texas Starlink Canada United States.
When Can I Move Up in House?

Ramsey Call of the Day

03:49 min | 1 year ago

When Can I Move Up in House?

"Andrews in. San. Antonio Texas. What's up? How are you? Deserve man, how can I help? Awesome I had a question So I'm like you in San. Antonio on the military right now got about probably three years left about and I actually called. I spoke to Ken, Coleman a couple of weeks ago and he encouraged me that this is probably should should probably look at me and my last and most because it just doesn't line up with my goals anymore. So we're we're kind of looking at that transition and were plotting a move to the Nashville area actually ended this most met. In the rest of America. Okay. So the House that we're living now is very much a starter home. We bought it only here for about one seventy and we're just wondering at what point is appropriate mathematically to move up in house because we live in like you'd like to be in a nicer part of town. Eventually you know a little bit bigger and so we're just trying to figure out like mathematically how to make that happen without like starting over on the mortgage you know. Okay well you number one, you wouldn't do this until you move. To Nashville. Ride that house for three years it doesn't make sense to buy and sell a house inside of three years. Right we're not looking at doing this now, I'm just just a planning purpose. So you sell the house there you move to Nashville start, your new career by another house, right? Right, and then he would start a new mortgage on a fifteen year fixed rate. Here's the thing when someone says starting over on the mortgage that makes me think you believe that all the interest on mortgages paid upfront. which is not true by the way. Do you think that? No I don't think. Okay. So, what's your all your starting over as you have a different debt, a bigger debt or a smaller debt. So what are you currently San Antonio House. Currently owe one, fifty five. Okay. So if you buy one fifty, five at the same interest-rate or less in Nashville which would be very hard to do or the Nashville market, you could get out in the country you might way out in the country might pull it off. Okay. But Anyway if you did that mathematically speaking. You would exactly star where you are today. You would just move the one, fifty five at the same interest rate over here, and if it was the same number of years, you've lost zero ground the only way you lose ground as you go further in debt, which you said I, WanNa move up in house. That's cool. So let's say you buy three hundred, thousand dollar house because your career, your new career pays more than your career. And you move to Nashville by three thousand dollar house. Now, that's a little more feasible okay and so. Now, you've doubled your mortgage. So what you've started over is twice as much debt. But nothing else started over other than that. Okay. Yeah. That makes sense how many years remaining on your current mortgage. We've only lived in this house for just less than a year. So we've got fourteen years. You did a year. Okay. So when you move, you would have eleven years left. You did my scenario on eleven years regardless of the amount you took out, you would still be debt free it exactly the same time agreed. That sounds yeah which you wouldn't do that. You'll probably get a new fifteen year three, hundred, three, hundred, twenty, five, thousand or whatever number it is when you move up, that's fine as long as it's on a fifteen year fixed the payments no more than a fourth of your take home pay. But that's how it's GonNa work. So sit tight where you are, and then as you arrange yourself into the new career three years from now and you decide which city you're gonNa live in for sure you start shopping for real estate and start figuring out how much we actually can afford based on your new income to purchase on a fifteen year fixed rate where the payments no more than a fourth, your take home pay, and that'll keep you between the ditches brother. Thank you for your service. We really really appreciate cash.

San Antonio House Nashville Antonio Texas SAN Coleman Andrews America KEN
What Everyone Forgets About Money

Optimal Finance Daily

04:44 min | 1 year ago

What Everyone Forgets About Money

"What everyone forgets about money by Crowning Chris. RINING DOT COM. Washing dishes was how I earned my first paycheck when you're fifteen years old and don't get money from your parents to buy things then you have to work. So there. I was scrubbing dishes in the filthy kitchen of a small family owned Italian restaurant, and it's where I learned a little life lesson work is nothing more than trading time for money a medium of exchange. You provide one hour of time to an employer and they provide an hour's wage. I quickly discovered teenagers time isn't worth all that much a measly four, twenty, five per hour. Not long after starting that job I wanted this blind melon album. You might remember their catchy song no rain. One Saturday afternoon wandering the aisles in K. Marts, electronics, department I saw it for sale. Cool. I'm getting it. The price was sixteen, Ninety, eight for whatever reason I did the mental math to figure out the album didn't really cost me seventeen dollars. No, it costs four hours on your feet washing never ending streams of bus tubs overflowing with half finished plates of meat balls is this CD worth four hours of my time. In this case it was but more importantly, you realize the money tucked in your wallet isn't money at all. It's time disguised as money. In fact, it was Benjamin Franklin who said time is money but in our hectic day to day lives, it's easy to forget this. When you spend your money, what you're really doing is spending your time, which means if you waste your money, you waste your time. anyways throw my teens I worked a series of jobs, bagging groceries, stocking merchandise theater concessions, and mostly saved my earnings my time to precious and then I went off to college started a career and forgot what I learned. have. You heard that saying from Texas big hat no cattle meaning you can look rich but be poor. It's hard to believe people who make lots of money are poor. But then your tax preparer tells you they see plenty of families making three hundred thousand dollars and living paycheck to paycheck Thomas Stanley profiles. These folks in the millionaire next door, the doctor lawyer types who drive fancy cars living exclusive neighborhoods and take exotic vacations they look rich, but it's an illusion. It's the families who make one hundred, thousand dollars spent forty thousand and have a million dollars in the bank who are rich. Isn't the worst irony that the simplest way to get rich and have lots of money to spend his by not spending lots of money. But just because it's simple to get rich doesn't mean it's easy spend less than you earn and invest the difference that simple would makes getting rich so difficult is that spending less than you earn takes discipline the median retirement account is worth twenty, five, thousand dollars, and so the problem isn't paying people more money they'll save more give people more money to spend and they'll spend more money. I know this because back in my twenties, I spent just like the next person you think acquiring loss of material possessions satisfying all your superficial desires is the key to happiness. It took me years to relearn what I knew as a teenager. The things you buy with money that you surround yourself with aren't things at all it's your time. And research shows it's having control over your time that makes you happiest not money and things. So, most people have a choice. You can trade time for money and money for things, or you can trade time for money and then use that money as a tool to buy back time. That's why you save and invest, which reminds me of what stoic philosopher Seneca said quote. It's not that we have a short time to live but that we waste much of it life is long enough and it's been given to us in generous measure for accomplishing the greatest things if the whole of it is well invested. But when life is squandered through soft and careless living, and when it spent on no worthwhile pursuit death finally presses and we realized that the life which we didn't notice passing has passed away and quote. What he's saying is when you're about to die, you realize life is time and doesn't that make time your most precious resource. Here think about it like this see, you've worked forty hours per week for the past ten years. You've traded twenty thousand hours of your time. That's forty hours times, fifty weeks, times, ten years, and on the other side of the trade is everything you've consumed sure necessities like food clothing, shelter and healthcare but probably a bunch of other stuff you've totally forgotten about buried in the back of some closet. Was it a fair trade? Maybe it was maybe it wasn't but people are always telling me they've earned million dollars over the past ten years and have nothing to show for it and it makes them sick. They're not complaining about wasting their money. What they're complaining about is wasting their time. Trade wisely.

K. Marts Benjamin Franklin Thomas Stanley Texas Seneca
Guide To Personal Financial Wellness by William Johnson

Optimal Finance Daily

05:02 min | 1 year ago

Guide To Personal Financial Wellness by William Johnson

"Guide to personal financial wellness part two by William Johnson with FLEX SENSE DOT COM. Insurance. Insurance has two important functions when it comes to financial wellness one insurance protects the wealth and lifestyle that you have worked long and hard to build and to insurance protects your family's future. If you do not have anyone depending on your income then you might not need life insurance but health auto homeowners and disability are still required or good ideas to make sure that you're protected for an accident or disaster when you have a family that relies on you to keep a roof over their heads and food on the table. Then Life Insurance is a necessity. Typically, people look for enough insurance to cover their debt including student loans and. Mortgage, as well as a number of years of living expenses the proceeds of life insurance can be invested, which can factor into your calculations. For example, if your living expenses are thirty thousand dollars a year and you wanted to cover ten years of expenses in the immediate thought is the need three, hundred thousand dollars in life insurance. However, with market growth assumptions, you can buy a bit less insurance, invest the payout and get a similar level of income. When shopping for life, insurance get recommendations on agents and be sure you understand the difference between whole and term if the agent cannot adequately answer your questions using easy to understand terms about what they're recommending then find an agent can. Retirement. Retirement readiness a specific component of financial wellness is being on track to have the money saved to pay for your living expenses in retirement without worrying about running out of money if you live longer than you anticipate. When talking with someone about their desired retirement age there's one point that I really tried to drive home the day you retire you moving to another phase in your life currently you're earning income. When you're retired, you live solely off your investments and social security. This often gives people pause as their projected retirement income falls far short of what they think. They're living expenses will be if possible, wait to retire and start taking your social security, it'll give you longer to build your nest egg and less time to draw down building retirement savings is something that people do over the many decades of their career but many get started too late or hit a bump and raid their retirement savings to get around it. It is never too late to start saving for retirement and anything one saves is better than not saving at all. The two big factors to the amount of savings you'll have when you retire are one contributions and to asset allocation. The contributions are the amount of money that you have contributed to your retirement accounts up to the point that you start taking money out contributions made earlier in your career are worth more than contributions may later in your career because they've had. More. Time to grow the more years, you wait to retire the more years you can contribute to your retirement accounts. Asset allocation refers to what you have invested your retirement money into typically that is a mix of stocks and bonds. When you're younger, you can take more risk due to the longer time horizon until you retire and will hold more stocks than bonds. With our a few years until retirement, you cannot afford a downturn or recession when you need to start drawing on your savings for your living expenses. Thus you'll be more conservative and hold more bonds than you do stocks the more money you have invested and the longer it's invested, the more asset allocation affects the outcome. Estate. Estate Planning. Varies widely from person to person with everyone having different needs. At a basic level, it's setting up instructions on what should happen to you and your assets upon your death. If you have children who are minors then establishing who will care for them is the primary concern. Everyone should have an inventory of all assets, accounts and passwords. We recommend using password manager that you can keep in a safe place and that will be accessible to the surviving spouse or the executor of their estate. All retirement accounts should have a primary beneficiary and a secondary beneficiary you should have a will that covers your assets and living will to ensure that your decisions on your health are respected. Should you not be able to make them yourself? Additionally, a healthcare proxy should be specified to cover any gray area or new treatment options that are not covered by the leading will. As wealth grows in size as well as in diversity of assets estate planning becomes more complex and considerations grow. It is often worth it to consult an attorney and Accountant to walk through your options. Small steps and forward progress. Accomplishing financial wellness will take a lot of planning and effort. It is usually achieved by focusing on a single thing and working to improve it rather than trying to improve everything all at once a series of small winds adds up to a big win. That will keep you moving forward towards your financial goals and the momentum provided by each small win will keep you motivated getting in a good place with your personal finances and future planning is life changing. Your efforts are a gift to your future self put in the work today to make sure they are in the best position to be successful.

William Johnson Attorney Accountant
US home sales spike 24.7% in July, another record

AP News Radio

00:40 sec | 2 years ago

US home sales spike 24.7% in July, another record

"Another record setting month for the housing industry the national association of realtors says sales of homes in the U. S. rose a record breaking twenty four point seven percent in July that surpasses the record set in June when sales increased nearly twenty one percent for the year purchases are up nearly nine percent from a year ago and the median price for a home exceeded three hundred thousand dollars for the first time last month settling at three hundred four thousand although the housing market has been resilient during the pandemic market activity still hinges on supply which was limited even before the corona virus outbreak I'm I can't put

Outbreak National Association Of Realto
Susan Rice, Biden's Potential VP, Divests From Netflix

The Pascal Show Podcast

02:44 min | 2 years ago

Susan Rice, Biden's Potential VP, Divests From Netflix

"Places for personal gains and everything But she sold at three hundred thousand dollars stockholdings. Okay. So. Real. Quick. We got only got a few more minutes. We started a little bit late today guy. So we got a we're we're going to do a little bit more tiny bit more passing Levin. Okay if it is Susan Rice right. Let's talk about her a little bit. This talk about Susan Rice. Who is Susan Rice Who is Susan? Rice? Let's start at the very, very bare bare minimum starting at the very bottom. NETFLIX's director. NETFLIX's director. That's it. She's obviously female. Start their. American diplomat academic democratic policy adviser former public official has served as the twenty seven United States ambassador United Nations, two, thousand, nine, two, dozen thirteen. And the twenty four, th states national security advisor from two, thousand, thirteen to two, thousand seventeen. Now. Here it is. because. Some people are really excited about the possibility of it being Susan. Rice. Right. So what is? What is something? That's not good. You know what's what's the negative side was the negative things about what's the? What are the cons about Susan Rice Be something that people would have a problem with if he wants US Susan Rice Benghazi. is where she withdrew her consideration. For replacement of retiring US Secretary of State Clinton a dozen twelve Based on the contract dry controversy related two, thousand, twelve attack on the US diplomatic facility in Benghazi. So I, don't know if she's attached to that. Again next negatively to that you know. Something about Susan Rice enemy nation to said, Susan Rice will get crushed for her role for unmasking Michael Flynn. That's news to you. That's news to me but it made to may have been involved with that. I just saw to that Flynn was just back in the news to man, and because the government suggest attorney general bar had secret reasons for dropping Michael Flynn criminal case. So. I mean. Having Susan Rice I mean

Susan Rice Michael Flynn United States Netflix United Nations Levin Director Benghazi Advisor Official Attorney Clinton
"three hundred thousand dollars" Discussed on News Radio 1190 KEX

News Radio 1190 KEX

01:40 min | 2 years ago

"three hundred thousand dollars" Discussed on News Radio 1190 KEX

"Three hundred thousand dollar group life insurance policy but it's changing jobs and can't take it with him well I shocked the many highly rated term life insurance companies we represent like prudential mutual of Omaha and found ray who is forty one and takes medication to control his cholesterol a ten year five hundred thousand dollar policy for under twenty seven dollars a month that's almost twice the coverage for less than half of what he had paid if select quote hasn't stopped for your life insurance you're probably paying too much for your free quote call eight hundred five eight nine fifty five ninety nine that's eight hundred five eight nine fifty five ninety nine eight hundred five eight nine fifty five ninety nine or go to select quote dot com since nineteen eighty five we shop you save get full details on the example policy it's local dot com slash commercial the fact that all state the class of twenty twenty at a piece of their journey taken so I her radio along with some of the most influential voices in the world are giving it back the best way we can commencement the podcast will host an unprecedented amount of inspirational speeches speeches that we can all use right now general Stanley McChrystal except that this crisis socks it does but finding a sense of purpose is how we all emerge stronger and many many more commencement the podcast ready for you now on the free I her radios traffic and weather together just ten minutes from now at the bottom of the hour news radio eleven nineties K. E. axe.

"three hundred thousand dollars" Discussed on News Radio 920 AM

News Radio 920 AM

02:16 min | 2 years ago

"three hundred thousand dollars" Discussed on News Radio 920 AM

"Three hundred thousand dollar group life insurance policy what is changing jobs and can't take it with him well I shopped the many highly rated term life insurance companies we represent and found ray who is forty one and takes medication to control his cholesterol a ten year five hundred thousand dollar policy for under twenty seven dollars a month that's almost twice the coverage for less than half of what he had paid if select quote hasn't stopped for your life insurance you're probably paying too much for free quote call eight hundred two seven nine ninety five fifty six eight hundred two seven nine ninety five fifty six eight hundred two seven nine ninety five fifty six or go to select quote dot com since nineteen eighty five we shop you save get full details on the example policy it's local dot com slash commercial surprise could very depending on your health issues the fact that available in all states I heart radio here are the top fruits wind and fire songs then you from number three fantasy as number two lead screw number one September hear more from earth wind and fire in similar artists now search for earth wind and fire on high hard radio all your favorite music all your favorite stations all free records milestones first last and everything in between what happened today in sports history on I. R..

Prince guitar, McCartney Beatles lyrics come up for auction

AP News Radio

00:39 sec | 2 years ago

Prince guitar, McCartney Beatles lyrics come up for auction

"Prince's guitar and Paul McCartney's hand written lyrics are among the items for sale at a memorabilia auction next month outside Los Angeles I marquees are loaded with the latest Julien's auctions will sell the nineteen eighty four blue cloud guitar with prince's love symbol on it and then options after June nineteenth and twentieth it's estimated to sell for between one hundred thousand and two hundred thousand dollars Paul McCartney's handwritten draft for the song Maxwell's silver hammer is estimated to sell for between two hundred thousand and three hundred thousand dollars other items for auction include Jim Morrison's journal from Paris Johnny cash's tour piano and Michael Jackson's black loafers which he autographed on the soles

Prince Julien Paul Mccartney Maxwell Jim Morrison Michael Jackson Los Angeles Paris Johnny
"three hundred thousand dollars" Discussed on 850 WFTL

850 WFTL

03:41 min | 2 years ago

"three hundred thousand dollars" Discussed on 850 WFTL

"Three hundred thousand dollars for struggling comedians during an online charity event was called last aid Whitney Cummings Adam Sandler how we man dell Jim Gaffigan and can John all the whole show on the city Facebook page thank all thank you just a few minutes.

Whitney Cummings Adam Sandler Jim Gaffigan John Facebook
"three hundred thousand dollars" Discussed on KTAR 92.3FM

KTAR 92.3FM

01:58 min | 2 years ago

"three hundred thousand dollars" Discussed on KTAR 92.3FM

"Three hundred thousand dollars worth of S. R. P. rebates for common energy efficient equipment found a commercial and industrial settings translation SRP offers they operate base for most energy efficient upgrades to your business everything from small lighting and smart thermostats window film large scale custom projects if there's a way to save on your energy bill chances are S. R. P. has a rebate to make it happen eight S. R. B. can boost your bottom line with those energy efficient facility upgrades to help you keep your costs down and your savings up talk about value to any business owner right you decision makers out there and I also didn't realize you are eligible to receive a no cost energy assessment you can get energy assessment at no cost just go to save with SRP biz dot com that's safe with S. R. P. biz dot com at quicken loans are seventeen thousand team members know that home is so much more than a house that's because our clients tell us all the time Hey this is Jay Farner CEO of quicken loans and we want to help you save money on your mortgage with some of the lowest refinancing rates ever rates are historically low you may be able to reduce your rate and save money on your monthly mortgage payment right now pay off some credit card debt or put some money towards that new bathroom or kitchen you've always wanted the rate today in our thirty year fixed rate mortgage is three point nine nine percent APR four point two three percent that's right three point nine nine percent while we can't predict what will happen in the future we do know that rates have dropped and now is the time to save money on your mortgage call us today at eight hundred quicken or go to rocket mortgage dot com to learn how refinancing now may be the right mortgage solution for you that's eight hundred quicken or go to rocket mortgage dot com rates of exchange a two percent discount rates cover conservation commissions equal housing lender listens office dates and all summer thirty thirty one there is only some breaking news and traffic KTAR news on ninety three FM at six thirty you are listening to Arizona's morning news I'm Jim sharp and super Tuesday proved to be maybe.

"three hundred thousand dollars" Discussed on Newsradio 1200 WOAI

Newsradio 1200 WOAI

01:40 min | 2 years ago

"three hundred thousand dollars" Discussed on Newsradio 1200 WOAI

"Three hundred thousand dollar group life insurance policy but it's changing jobs and can't take it with him well I shocked the many highly rated term life insurance companies we represent and found ray who is forty one and takes medication to control his cholesterol a ten year five hundred thousand dollar policy for under twenty seven dollars a month that's almost twice the coverage for less than half of what he had paid if select quote hasn't shop for your life insurance you're probably paying too much for your free quote call eight hundred five nine seven zero three fifteen lance eight hundred five nine seven zero three fifteen eight hundred five nine seven zero three fifteen or go to select quote dot com since nineteen eighty five we shop you save get full details on the example policy it's local dot com slash commercials are price can vary depending on your health insurance company the fact is not available in all states for more information about contests on this station go to W. O. A. I. dot com slash news anytime at W. away I. dot com delivered by comfort air engineering engineering your comfort for life the motor the entire studio Belden's automotive entire store diesel specialist please use news radio twelve hundred W. away ice sand in Tonio I heart radio station a corona virus evacuee is back in isolation after being mistakenly released from a local hospital by the CDC good Monday morning I'm sure D. McCurdy with our top stories down traffic and weather together from the W. O. A. I. traffic center good Monday morning clearing an accident eastbound highway ninety of czars of moral minor accident but it's managing.

"three hundred thousand dollars" Discussed on News Radio 690 KTSM

News Radio 690 KTSM

02:52 min | 2 years ago

"three hundred thousand dollars" Discussed on News Radio 690 KTSM

"Three hundred thousand dollar group life insurance policy but is changing jobs and can't take it with him well I shopped the many highly rated term life insurance companies we represent and found ray who is forty one and takes medication to control as cholesterol a ten year five hundred thousand dollar policy for under twenty seven dollars a month that's almost twice the coverage for less than half of what he had paid if select quote hasn't shop for your life insurance you're probably paying too much for your free quote call eight hundred four seven one ninety eight zero seven that's eight hundred four seven one ninety eight zero seven eight hundred four seven one ninety eight zero seven or go to select quote dot com since nineteen eighty five we shop you save get full details on the example policy it's local dot com slash commercials are price could very depending on your health insurance company of the fact not available in all states hello this is the president of the United States was how did you get there is nothing behind you could just there are no monsters she this is at the top of the this is ground zero today.

"three hundred thousand dollars" Discussed on News Talk KOKC 1520

News Talk KOKC 1520

01:52 min | 2 years ago

"three hundred thousand dollars" Discussed on News Talk KOKC 1520

"Three hundred thousand dollar group life insurance policy but it's changing jobs and can't take it with him well I shocked the many highly rated term life insurance companies we represent like prudential mutual Omaha and found ray who is forty one and takes medication to control is cholesterol a ten year five hundred thousand dollar policy for under twenty seven dollars a month that's almost twice the coverage for less than half of what he had paid if select quote hasn't shop for your life insurance you're probably paying too much for your free quote call eight hundred five zero seven twenty two sixty six eight hundred five zero seven twenty two sixty six eight hundred five zero seven twenty two sixty six or go to select quote dot com since nineteen eighty five we shop you say get full details on the temple policy it's local dot com slash commercial. the fact. Gavin mackenzie CEO build McKenzie with more construction projects coming in we need to quickly hire a lead recruiter we wanted someone who is bilingual and had five years of age our experience. ten jobs match me with many qualified applicants but ana Maria was the one with all the skills that we needed. the person inside link then every eight seconds post a job linkedin dot com slash today and get fifty dollars off your first job post terms and conditions apply. the back yard looking great rob thanks man I was planning on adding a deck to know any good contractors why don't you just ask HomeAdvisor home one home advisor dot com you just tell me about your project in the match you with local pros they can do the job nice how much is a cost the home advisors totally free to use plus you can read customer reviews check pricing and book appointments for free what's the website again home advisor dot com or just download the free HomeAdvisor app..

ray advisor Gavin mackenzie ana Maria Omaha HomeAdvisor CEO McKenzie rob Three hundred thousand dollar five hundred thousand dollar twenty seven dollars eight seconds fifty dollars five years ten year
"three hundred thousand dollars" Discussed on News Talk 1130 WISN

News Talk 1130 WISN

01:33 min | 2 years ago

"three hundred thousand dollars" Discussed on News Talk 1130 WISN

"Three hundred thousand dollar group life insurance policy but is changing jobs and can't take it with him well I shopped the many highly rated term life insurance companies we represent and found ray who is forty one and takes medication to control as cholesterol a ten year five hundred thousand dollar policy for under twenty seven dollars a month that's almost twice the coverage for less than half of what he had paid if select quote hasn't shop for your life insurance you're probably paying too much for your free quote call eight hundred two two six eighteen eighteen rats eight hundred two two six eighteen eighteen eight hundred two two six eighteen eighteen or go to select co dot com since nineteen eighty five we shop you save get full details on the example policy it's local dot com slash commercials are price could very depending on your health insurance company of the fact not available in all states the I. her radio app is it's free you don't have to pay anything free when's baby does it has everything that I need all content and one feature yeah everything's all together and I get all the music yeah music is pretty much everything to me the sets my mood no matter what mood I'm in or whatever I'm doing there's always a play list for me I love the HIPAA pump up please they do the work for me the I heart radio app radio music podcasts all free free never sounded better download the I heart radio app today. on Friday we talked with.

company co
"three hundred thousand dollars" Discussed on News 96.5 WDBO

News 96.5 WDBO

01:38 min | 3 years ago

"three hundred thousand dollars" Discussed on News 96.5 WDBO

"Three hundred thousand dollar group life insurance policy but is changing jobs and can't take it with him well I shopped the many highly rated term life insurance companies we represent and found ray who is forty one and takes medication to control is cholesterol a ten year five hundred thousand dollar policy for under twenty seven dollars a month that's almost twice the coverage for less than half of what he had paid if select quote hasn't shop for your life insurance you're probably paying too much for your free quote call eight hundred four three one fifty seven ninety that's eight hundred four three one fifty seven ninety eight hundred four three one fifty seven ninety four go to select quote dot com since nineteen eighty five we shop you save get full details on the example house it's local dot com slash commercial surprised very depending on how the show company that affect not available in all states. if you're an avid listener to this program you know how much I love my dogs more than most people some days innocent abandon animals need your help and this is why I partnered with delta rescue delta stands for dedication and everlasting love to animals and it is the largest no kill care for life animal sanctuary in the world this one hundred and fifteen acre mountaintop range is truly a haven for the animals lucky enough to have crossed paths with its founder actor Leo Grillo delta rescued animals who are either abandoned or born in the wilderness Leo Grillo said delta animal sanctuary is a one of a kind rescue because they care for their rescues for life that's what makes them very different from everyone else your gifts go directly to the animals donate today online at delta rescue dot org slash Dana that's delta rescue dot org slash Dana the rescue received no help from.

ray Leo Grillo delta founder Dana Three hundred thousand dollar five hundred thousand dollar twenty seven dollars fifteen acre ten year
"three hundred thousand dollars" Discussed on News Talk 1130 WISN

News Talk 1130 WISN

01:51 min | 3 years ago

"three hundred thousand dollars" Discussed on News Talk 1130 WISN

"Three hundred thousand dollar group life insurance policy but is changing jobs and can't take it with him well I shopped the many highly rated term life insurance companies we represent and found ray who is forty one and takes medication to control as cholesterol a ten year five hundred thousand dollar policy for under twenty seven dollars a month that's almost twice the coverage for less than half of what he had paid if select quote hasn't shop for your life insurance you're probably paying too much for your free quote call eight hundred two two six eighteen eighteen rats eight hundred two two six eighteen eighteen eight hundred two two six eighteen eighteen or go to select co dot com since nineteen eighty five we shop you save get full details on the example policy it's local dot com slash commercials are price could very depending on your health insurance company of the fact not available in all states W. I. S.. taxpayers big spenders political cronies Sobell warming alarmist charlatans lawyers scam artists and feeders at the public trough the threats to your happiness are many that's where we can have. news talk eleven thirty W. I. S. and our troops shall keep you free. conservative thought. this is the debt o'donnell show. we go back to the store few of retired police officer welcome to the show. all right here thanks for.

"three hundred thousand dollars" Discussed on KOA 850 AM

KOA 850 AM

01:37 min | 3 years ago

"three hundred thousand dollars" Discussed on KOA 850 AM

"Three hundred thousand dollar group life insurance policy but is changing jobs and can't take it with them well I am partially shop the highly rated term life insurance companies we represent and found ray who is forty one and takes medication to control is cholesterol a ten year five hundred thousand dollar policy for under twenty six dollars a month that's almost twice the coverage for less than half of what he had paid a select quote hasn't stopped for your life insurance you're probably paying too much. for your free quote call one eight hundred four one three one five seven zero that's one eight hundred four one three one five seven zero one eight hundred four one three one five seven zero or go to select quote dot com we shop you say get full details an example policies what what a concept commercial surprised. the factors not all states. good news so of your after. J.. Colorado. if you're driving both hands on the wheel. two.

colorado
"three hundred thousand dollars" Discussed on News Radio 810 WGY

News Radio 810 WGY

03:15 min | 3 years ago

"three hundred thousand dollars" Discussed on News Radio 810 WGY

"Three hundred thousand dollar group life insurance policy but is changing jobs and can't take it with him well I shopped the many highly rated term life insurance companies we represent and found ray who is forty one and takes medication to control as cholesterol a ten year five hundred thousand dollar policy for under twenty seven dollars a month that's almost twice the coverage for less than half of what he had paid if select quote hasn't shop for your life insurance you're probably paying too much for your free quote call eight hundred two two six eighteen eighteen rats eight hundred two two six eighteen eighteen eight hundred two two six eighteen eighteen or go to select co dot com since nineteen eighty five we shop you save get full details on the example policy it's local dot com slash commercials are price could very depending on your health insurance company of the fact not available in all states we've been saving people money for over fifty years discount tire save even more right now get up to one hundred dollars back on a set of four select you always Mavis discount tire visit Mavis fire dot com to see our huge selection and to find a store near you other restrictions apply see stores for rebate details there's no shortage of bad news let's get you some good news day and the hour with Chuck and Kelly tomorrow morning at six fifteen and seven forty five on WGY Hey we want to welcome the new I heart affiliate in reading Pennsylvania the format slipped to conservative talk today they start with the Rush Limbaugh show and we're part of their line up and we're thrilled to be a part of newsradio thirteen forty W. R. A. W. in reading Pennsylvania thank you for for adding us and joining us on this journey and we look forward to entertaining and enlighten you every day all right there's a couple things we want to talk about tonight at five o'clock we're going to delve into my my favorite subject Woodrow Wilson except this time Woodrow Wilson is wearing a an Indian Head dress it the new Woodrow Wilson is Elizabeth Warren and I'm gonna make this case tonight and I think its D. buttoned up Hey I mean it really does I mean if you hurt him being an academic he was he was an administrator he would he had planned for every for everything yeah that was really his approach there's a lot of similar yeah so tonight's a great show if you don't belong to the blaze TV come on and join us go to blaze TV dot com slash back use the promo code Glenn and you'll save ten percent right now on your your subscription it's place TV dot com slash gland and enjoy his.

ray Chuck Limbaugh W. R. A. W. Pennsylvania Woodrow Wilson Elizabeth Warren Glenn Mavis Kelly Three hundred thousand dollar five hundred thousand dollar twenty seven dollars one hundred dollars thirteen forty W fifty years ten percent
"three hundred thousand dollars" Discussed on News Radio 690 KTSM

News Radio 690 KTSM

01:31 min | 3 years ago

"three hundred thousand dollars" Discussed on News Radio 690 KTSM

"Three hundred thousand dollar group life insurance policy but it's changing jobs and can't take it with him well I shopped the many highly rated term life insurance companies we represent like prudential mutual of Omaha and found ray who is forty one and takes medication to control us cholesterol a ten year five hundred thousand dollar policy for under twenty seven dollars a month that's almost twice the coverage for less than half of what he had paid if select quote hasn't shop for your life insurance you're probably paying too much for your free quote call eight hundred five zero seven twenty two sixty six eight hundred five zero seven twenty two sixty six eight hundred five zero seven twenty two sixty six or go to select quote dot com since nineteen eighty five we shop you save get full details on the example policy it's local dot com slash commercials are the fact state your small business owners and there's nothing small about what you do that's why dell small business technology advisers give you trusted advice one on one partnerships in Taylor Texas Lucien's like computers with Intel core processors servers storage networking plus thousands of top brand electronics accessories and software no matter your technology needs dell is here to help your small business big thanks call eight seven seven by down to speak with an adviser today at eight seven seven five Dow supported by Kronos Kronos knows the hiring and retaining a modern work force of salaried hourly full and part time workers can be challenging.

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"three hundred thousand dollars" Discussed on News-Talk 1400 The Patriot

News-Talk 1400 The Patriot

01:52 min | 3 years ago

"three hundred thousand dollars" Discussed on News-Talk 1400 The Patriot

"Three hundred thousand dollar group life insurance policy but is changing jobs and can't take it with him well I shocked the many highly rated term life insurance companies we represent and found ray who is forty one and takes medication to control as cholesterol a ten year five hundred thousand dollar policy for under twenty seven dollars a month that's almost twice the coverage for less than half of what he had paid if select quote hasn't shop for your life insurance you're probably paying too much for your free quote call eight hundred four seven to thirty nine sixty one that's eight hundred four seven to thirty nine sixty one eight hundred four seven to thirty nine sixty one or go to select quote dot com since nineteen eighty five we shop you save get full details on the example policy it's local dot com such commercial surprise could very depending on your health insurance company of the fact not available in all states this is John McCullough for Acer tech public adjusters if something were to happen to your home or business your first call would be to your insurance company right wrong what do you say to your insurance company can impact how much you collect or whether you get paid at all homeowner founded his ice maker was leaking he called these are tech before filing a claim with laser techs help he recovered over three hundred thousand dollars to redo his kitchen and basement had to cover additional expenses while living without a kitchen that's what is our tech does they get you everything you deserve a woman lost some roof shingles in a storm the insurance company only offered or seven thousand dollars after fighting with their insurance company for much she called days of tech who pointed out additional damages that the insurance company missed bring her settlement to forty thousand dollars insurance companies are focused on their bottom line but he's our tech is focused on yours typically getting many times what you would get on your own you wouldn't go to court without a lawyer don't file a claim without a zyrtec for absolutely no risk free consultation call eight five five claim five five that's eight five five two five two forty six fifty five eight five five clean five.

ray John McCullough Acer three hundred thousand dollars Three hundred thousand dollar five hundred thousand dollar forty thousand dollars seven thousand dollars twenty seven dollars ten year
"three hundred thousand dollars" Discussed on KDWN 720AM

KDWN 720AM

02:11 min | 3 years ago

"three hundred thousand dollars" Discussed on KDWN 720AM

"Three hundred thousand dollar group life insurance policy but is changing jobs and can't take it with him well I shopped the many highly rated term life insurance companies we represent and found ray who is forty one and takes medication to control as cholesterol a ten year five hundred thousand dollar policy for under twenty seven dollars a month that's almost twice the coverage for less than half of what he had paid if select quote hasn't shop for your life insurance you're probably paying too much for your free quote call eight hundred five zero four forty seven forty seven that's eight hundred five zero four forty seven forty seven eight hundred five zero four forty seven forty seven or go to select quote dot com since nineteen eighty five we shop you save get full details on the example policy it's local dot com slash commercial surprise could very depending on your health insurance company of the fat not available in all states Hey everyone proactive MD has an incredible offer for our radio listeners only stay tuned for exclusive offers that includes a free charcoal pore cleansing brush and free shipping proactive indeed with prescription strength Abilene can heal and prevent future break out today for just nineteen ninety five we're offering listeners the three piece proactive MD system with free shipping plus a free gift the new charcoal pore cleansing brush get this exclusive offer by calling now one eight hundred five eighty three eighty six sixty two or go to pro active dot com and enter promo code radio you heard right proactive indeed plus free shipping and a free gift the new charcoal pore cleansing brush you get all this for just nineteen ninety five in their sixty day money back guarantee you're guaranteed to get clear and stay clear or you get your money back call now one eight hundred five eight three eighty six sixty two that's one eight hundred five eight three eighty six sixty two I got a proactive dot com and enter promo code radio again go to proactive dot com and enter promo code radio thank you for tuning.

ray Three hundred thousand dollar five hundred thousand dollar twenty seven dollars sixty day ten year
"three hundred thousand dollars" Discussed on KLBJ 590AM

KLBJ 590AM

01:41 min | 3 years ago

"three hundred thousand dollars" Discussed on KLBJ 590AM

"Three hundred thousand dollar group life insurance policy, but it's changing jobs and can't take it with him. Well, I shopped the many highly rated term life insurance companies we represent like prudential and mutual Maha and found Ray who is forty one and takes medication to control his cholesterol, a ten year five hundred thousand dollar policy for under twenty seven dollars a month. That's almost twice the coverage for less than half of what he had paid. If selectquote hasn't shopped for your life insurance, you're probably paying too much for your free quote, call eight hundred five eight nine fifty five ninety nine that's eight hundred five eight nine fifty five ninety nine eight hundred five eight nine fifty five ninety nine or go to selectquote dot com. Since nineteen eighty five we shop you save. Get full details on the example policy at selectquote dot com slash commercials, replace debate, depending on your health, issuing covering the factors. Not available in all states. Remember the? Knock some projects off your to do list without having to do them yourself every day over eight thousand homeowners turn to the home depots own services to help install sheds bathroom models window treatments, heating and cooling systems, nearly any home improvement project. Visit homedepot dot com slash services and go from to do with licensed local pros backed by the depot. More saving, more doing license and permission homedepot dot com slash licensenumbers. Let's say you just bought a house bad news is your one step closer to becoming your parents soon. You'll have a separate fridge in the basement where extra groceries are exiled forever. Remember that frozen lasagna? Of course, you don't it's been down there since two thousand eight good news is it's.

selectquote Ray Maha Three hundred thousand dollar five hundred thousand dollar twenty seven dollars ten year
"three hundred thousand dollars" Discussed on 850 WFTL

850 WFTL

02:21 min | 3 years ago

"three hundred thousand dollars" Discussed on 850 WFTL

"Three hundred thousand dollars. Then why then you start drawing on that money? You gotta pay bills insurance. How long is that money going to last you know, saving as a part of the solution? But it's not the entire solution. You have to get your money to work for you. You could invest in trading the financial market. I truly believe there's a market out there for everyone to investor trade. I just find most people usually never. Figure out what that market is. Why? Because you don't know what you don't know until you know, Bertha's goal is to trade futures. And it's a great market. I trade futures. You know, and you start a lot less money. It's open practically twenty four hours a day. You have no time excusing Blake. I don't have the time to trade because if you're making the money trading, you'd find the time to do it. That's that's the big thing. So once again listeners is all about getting started. If you're curious about learning more about these different market stocks options futures for a really begin to figure out. What is the right market for you to investor trade gives us a call right now, I've twenty five passes for half a class on leverage markets. They're talking about how to use leverage options futures for ax. You're going to learn how to get your money to work for you on steroids. That's what futures allow you to do very safe and very on say risk adverse. But we teach you how to manage risk. We start low students on the same income plan. The goals one hundred. Bucks a day. But typically water is twenty five bucks to make one hundred bucks. That's something you think you can handle risk in twenty five bucks. Make one hundred bucks come in. And see what it's all about this classes free for you received two passes for both unique gas valued at thousand dollars five six one eight eight six four five seven seven five six one eight six four five seven seven they have classes during the week and the weekend you can also text to register you can text the letters OTA to the number four one four one one right now once again, text the letters OTA to the number four one four one one all thirty Miami Broward port Saint Lucie, Jupiter Fort Lauderdale, Miami Dade KENDALL. That shows you how to make money in up markets down markets and sideways markets in this half day class. Give us a call and.

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