35 Burst results for "Twenty Dollars"
Today Cryptotraders Could Be Busy
"Tonight's looking good today is looking good bitcoin play the game yesterday it pushed onto another daily high pushed higher trendies day we grinding why? Grind Grind Grind, is what we? Currently. Doing and look I tell you what? It's It really does look could. Let me visit numbers? We got two, thousand, one, hundred, seventeen, all thereabouts thereabouts that he's effectively a A point of resistance that was a support level that I raised my orders to buy Bitcoin It's come back up towards it tapped on. Yesterday, it just tapped a little tap tap tap. TAP. Aroo. And now. I'd love to say that level guy we get through that level and we stopped to get a lot more going on a lot more interest and bitcoin will the news that's coming at continues to be stronger and stronger and stronger we currently from those lives that we saw. In the full which happened to be nine eight to one way up twelve point, two, five percent from those lows. So the last three days have been pretty pretty conscious nothing major nothing major but let's get back to I. Think it was Monday Monday. Will we all right now we're up nearly seven percent. Or thirty seven percent thus far actually the best way to do that it's just a little weekly six point six percent the guy. And this off the weekly. So I just gotTa plant in the minute now, willy pushed through today will we see bitcoin pulled back a little bit and give us that or low on the high timeframes twelve-hour will the daily before we go through? That's the probability that I'm waiting to save plays at a couple of tries came out yesterday that was one on that was one K B while. X which is perpetual. Okay. B. p. e. By Doing the thing that look right now you know. BITCOIN's momentum guards at starting to look a little bit dangerous. He smashes through that resistance plays going the whole of the top ten is lit up wrought now and looks superb arts bitcoin eleven thousand and thirteen dollars a half percent to die look yesterday. Let's not forget what Adidas I did go all the way out one point six percent closing at ten, thousand, nine, hundred, fifty, five, loy eleven, thousand theorems pretty a pretty good. Push out of the Guy Fawkes up three point seven six. Now, we're only one hour into the trading day and the three seventy nine, point six, three yesterday was flat and do anything except pay another one stop it's pushed hard full percent at twenty five point, six cents we sitting at right now starting to see that momentum increase once again, mole bullishness coming across these top ten bitcoin cash yesterday was damn point three percent today currently up two percent to thirty fuss what seven zero locking up three percent today. Yesterday. It was down one point one percent. It's at forty nine dollars and twenty three cents vase at one point four, three percents still one of the most ugly shots in the top ten. The, right. No data bats up one point four percent at one, sixty, five, forty, four. Donna closing in at ten sent me was down yesterday was only down one point seven percent today so far up two point, five percent bonds had bullish cattle in the cradle dot closing. It's broken the high of that now that doesn't mean tried to vital to me right now. It just means it's done something. It's I didn't get along on that tried to it because it wasn't there. There was low a high hall I don't play that game. Ply The guy, a tried trend. The trend wasn't set. We currently twenty dollars twenty one, one, point, nine percent on the day. Saifi ails would. Up One point two percent rejected the lows yesterday at one stage the law two, dollars fifty, seven, a closet toodle seventy one, point three, it's up two percent of the minute. Two hundred seventy six is what you WANNA theory else full length is up three point five, six percent off the being down one point out yesterday we are eleven and twelve cents holding again above that ten dollars, he's a story of the day thus far. Off Donald, my scans Adema scans across the markets that I like to try. On the full list full scan, it's Now seeing green lit up everywhere at the moment really really is a positive looking stopped to the dialogue full of so other continues to kick on. But if you look at the daily shots, there is a potential for lot of these dialing shots to have a high low in a bitcoins already continued movie it's dominated. than any of the others as far as moving. Hi, this way cerium look give if we can get above three ninety point seven, one, the high blood of high lows, but they'll be. Then we'll have an uptrend
Snowflake's Stock Price Soars in IPO
"Welcome to pass money a blockbuster debut for the biggest. IPO. Of the year cloud companies snowflake pricing. It's public offering at one hundred, twenty dollars a share closing at two hundred and fifty three dollars a share that is a gain of one hundred and eleven percent. But this isn't the first time. We've seen a monster move in public debut. Let's get to Bop Bassani with more on that Bob. Hello Melissa see you. So you think snowflake over one hundred percent of its first day is a big deal. Not really there's been plenty of companies that have had I ate POPs bigger than that this year loan and they include just take a look here. Biotech firm cure back was up two hundred and forty percent on its first day of trading software as a service firm big commerce up to one hundred percent biotech firm. Berkeley light of nearly two hundred cloud company and Seino up one hundred, ninety, six, percent insurance fintech firm lemonade up. Thirty nine percent on their first day of trading what they have in common is there either tech or biotech firms are they outliers marginally but the first day pop for IPO's this year is notably higher than usual. So the historic first they pop for an IPO usually about fourteen percent. That's. Historically but not this year the average I stay pop in two, thousand, twenty, thirty, six, percent. What's going on? It's not stocks are cheap. The multiple of tech stocks are historically high people are willing to pay more protect because there's just a higher degree of risk appetite out there, and if you're suddenly inspired to start buying these high flying IPO. Cautious. About this look after the first day the post first day returns of other high fliers is not encouraging. So there's been eleven IPO's this year that have popped more than one hundred percent. On the first day they have average a minus, one percent return from the first day closed forward. So be very careful Melissa here big pop on the first day for some of these. But after that very difficult to maintain continued momentum most about you bob thank you good to see you Bob Cassani and who is holding the bag in the aftermarket when these Ip has declined from the first day pop guy probably the retail investor this has been the story of the issue markets. Began though and it continues today. So. You wonder why people get exercise when they see things like this is exactly that I mean I'll say it I'm not. I'm not a banker I never was a banker and I'm sure to upset some people by saying this but. There's no way to put it other than the fact that this was completely misplaced. Now I'm sure the great bankers are J. P. Morgan and Goldman and whoever a city I think was on this deal and company will say, no, we price it right. You can't tell me that a company that has a seventy billion dollar market CAP, which was open it you know price at one twenty and tripled almost in price and had to be halted its some point today for price volatility was priced right and the people watching saying, how is this not a game I? Get it it it upsets me as well but that's the way the business works in that to me is problematic mill. Why does it upset me? WHAT'S THE PROBLEM Tim i? Think they thought it was valued at something investors in the market. Thought it was something else I mean that's the way the markets work right? Again, though it's it's it's terrible price discovery because you have some sense and bankers WANNA price and the companies want a price that deal that leaves him upside for investors but but to be clear this is three times more at least the guide from last week and so the the question really is, how can they be so far off environment where we know people are paying almost anything for growth and actually wear and cloud services but but ultimately, I think the real question is who gets access to this. IPO and the thing that's troubling is that this is not a fair game. And the allocation process is one that makes sense that there are plenty of opportunities for people who did not deserve big allocations to get them and I realized this ultimately. The dynamic of a company. First of all will say I want a certain institutional investor base on my cap stack and those are the people. I want my deal. I. Don't want certain people. Read investors typically are not the group that companies want There's a perception that they're going to be in their flipping those stocks faster. The reality is that there's a lot of hedge funds. They'd probably flip this thing aggressively today. So again to me, my issue is with the allocation process and that it's not. It's it's not a fair process maybe it's not supposed to be asked the bankers that because I think that's what this comes down to to be fair. There are some companies that actually say in the allocation that they want a certain amount to go to retail trading firms like a td Ameritrade for those firms. So then Dole out to retail investors but gosh, I think to brings up a good point in terms of the average per se popping thirty six percent this year that really shows you what this market is these days the search for growth and what investors are willing to pay for that growth. Yeah, and also you got to you have to factor in we're in a different environment. So the offering price is different than the opening price, and all of that is based on interactions with institutions trying to figure out supply demand while everyone is filming from podcast or from an ipad in their home. So it's very different than last year. Very different. The whole IPO process having said that it really speaks to the reach for growth. So, if you have the price action that we saw today. Think about it. It's Tim said you want to have if you're coming out as a public company, you WanNa, put your stock in institutions hands where they're less likely to flip out of that stock on the day of the. IPO. And that's where the whole system. Might be flawed, but it's worked this way for a tremendous amount of time, and there's always going to be a problem with any system anywhere.
SEC to examine Nikola over short seller's fraud allegations
"We start with some breaking news on Nikola shares they are down in the after hours that follows a big update Bloomberg reporting that the Securities and Exchange Commission will examine Nikola over the short showing fraud allegations stock down seven and a half percent right now guide Your response to that news. Again it probably Brian. Thanks for being here. Again, I can't speak, and I said this last week try to be a little clearer. Now, I can't obviously speak to the veracity of the short soul report accusations of fraud I have no idea what I did say last week, and what I'll stand behind is despite how the GM investment is structured whether they are actually investing money for the deal is structured fact that GM is somehow it linked. Their wagon to Nikola and if these accusations proved to be correct I, think the really deleterious thing could happen in shares of GM based solely on that not because it's just two billion dollars but the in my opinion, the potential for an exponential move based on that and based on the fact that maybe GM potentially didn't do the homework that are the people did that would be my primary concern right now as I look at this entire situation. and Tim to be clear on the story and I know we're GONNA. We're trying to fill up here. Any moment is that you don't Trevor Milton said the other day we're going to basically work with the SEC I wanna be clear according to the Bloomberg report. That's not what this is. This appears that the SEC is now poking into Nikola baby on not on the side of the short seller. But certainly from that angle, this is not some cozy deal between the two going after Hindenburg. No I think ultimately, the the SEC is going to do what they feel is just based upon both again allegations of fraud and actual fraud and investigating what was represented to investors I mean there's there's whether the technology is what it is and guys brought up some important elements of this that I don't I don't think we can know based upon even even if we read that entire report again, this needs to be validated or invalidated. The fact that the company has come out today and said, well, you know we said that it was. That the company was was was was excuse me that the truck was moving as opposed to it was actually individually propelled by our own engine etc I mean you know there's some some really frankly. that. BET semantic hair that's trying to be split here I think is is crazy I mean that doesn't sound good that certainly doesn't sound like something you'd rest. Well, we weren't really you know indicating that we were. We were on our own individual propulsion. So I think you know that doesn't read well. I to me GM the the issue was did this validate some of their fuel cell technology and some of their overall engineering prowess and did the deal makes some sense when you consider that unlike others Nikola was going with an asset light strategy and seeking to at least tap into engineering and we? Capacity that all makes sense. The fact that Jim got this for free was going to be paid seven hundred million dollars for access to some of their technology. I don't think this is necessarily harmful to GM. If this all turn to be a disaster for Nikola I think the fact of the matter is GM is pointing out that they have been in this space for a long time and I, think there's a lot there. Well it Dan Listen. That's the Tim. Actually hit on the one thing in the rebuttal that stuck out to me as well which is yeah. The truck may not have run on its own, but all the parts Kinda worked on their own but together didn't really matter because we're going to pivot to something else. Anyway there's a lot of pivoting going on Nikola and I wonder if investors should just pivot away from the stock because they don't know how this is going to end up. Well I think that's the main point. We just don't know we talked about this on Thursday. The stock was trading about thirty, eight hundred already had a big down day on the day before after that report came out my comment was okay. Well, there was two opportunities, the vet this story and I was a bit Glib about and so I said, you know there probably isn't fraud here. I had a very prominent short seller hit me after the fact on tax and say be careful here this is well documented and devastating I spent some time reading it the rebuttal there was really nothing there from Mykola and I think that's a pretty interesting. Story I'll just make one point and one of the reasons why I made that comment on Thursday I've been in this business for twenty five years. You know if you WANNA create some sort of scheme to rip people off of lots of money doing it in the public eye in front of know financial TV investors who are very well incentivized a sniff it out, and then no shortage of regulatory bodies. It's just not the best place to do it. So that's my first reaction often but who knows here, this seems like a really creepy situation and you know when you don't understand something you just avoid. Yeah, I think that's well setting care and I want to reiterate the news in case audience is just joining us here that the according to Bloomberg is now going to investigate at least sort of at a top level. The allegations of fraud against Nikola made by the short seller doesn't mean they're going to find anything and if they find anything, it may not. Be Serious and it could have some sort of an easy resolution as well. Just because the SEC goes poking around companies doesn't mean there's a negative outcome and I think that's very important to be said but on forget Nikola Karen is there any reason ever invest in the stock of a company where the even sniffing around? Maybe it does create some weird opportunity. Well I guess I point to Tesla the SEC. Sniffing around when they the statements about you know financing secured when when musk wanted to take private for four hundred and twenty dollars a share I guess that would have been one scenario but I agree with the guys on the panel that this particularly this issue of it was whether it was self propelled. We never said it was certainly one could reasonably assume that investors looking at that would think. That trump is going on its own. It just makes you think. All right. What else are they do? They have out there in the market that you know what are they sort of presenting that might not be actually as it appears this is a black eye for GM I'm GonNa Guess that maybe this deal falls apart I think GM I think is one of the guys said they didn't actually up any money it was the putting resources into advancing their. Ev Platform. But this this is a black guy for them. It's bad for them and I'm going to guess that this deal falls apart. We'll very quickly Karen and want to come back to number one on the propulsion sort of issue. Well, let's not forget the Financial Times. Did it's reporting a few days ago that they said they talked to a cameraman who said trump just basically rolled down the hill I think probably all of us that our worst moments of roll down a few hills once in a while after you too many. Let's move aside for that Karen. You think that if this comes out as a worst case scenario could GM's CEO Mary Barra lose her job. That I don't know I, mean imagine it. I. Would think the board probably not delighted by this It it it kind of I mean, maybe they did do their due diligence. Maybe they did know all of the points that were in that extensive short report, which I only read a little bit of to be to be fair did not read the entire thing and that they went through every single thing seemed okay. That's a bit of a stretch for me to believe. So I think the stock had rallied on that on the deal so it would be reasonable to You know I'm going to sell some stock I think. This is a black guy for them and for her and I think she's fantastic but. she is. Go out on religion meeting her and interviewing her and Mary Barra is is a class act all around guy but GM shares are moving on this news not a lot but they are down about one and a half percent and listen Y- again, and there's a lot of if and maybe you don't want to go too much down that rabbit hole you. So adroitly said very much of the top there but it is a difficult situation for GM and its investors when literally a couple of working days after you announce a big deal, basically one full week, you got the SEC poking around the company that you just kind of. GOT INTO THE BOARDROOM WITH Yeah I mean it's concerning again we I and we're all trying to be really careful here because obviously you know none of us know where the trews are and where they're not. But again, I want to emphasize if there's any truth whatsoever. In. Knows Ninety pages of that short sell report I think it's really believe it or not I think it's more of a negative for GM potentially that it is for nickel I know that sounds ridiculous but people will say how could you possibly got into whatever agreement it is whether it's a Deal whether it's just a collaboration thing whatever it is how do you partner up with a potentially something that isn't what they said it is to me that's a really scary notion and I think that's sort of the tail risk that GM is facing right now and obviously you know we're not wishing for this. I think we're just trying to point out what could happen and that sort of our jobs here.
Housing, Healthcare, and COVID-19
"Today, we're speaking with Barbara Dipietro. Who Directs the policy and advocacy activities for the national healthcare for the Homeless Council. Barbara, thank you for joining us. Thank you for having me. Yeah it's so. I'm so glad you're you're you're with us today especially during covid nineteen where I feel like the healthcare and housing systems are really failing us and intersectional and kind of dangerous way. So we really wanted to focus on this today. But I could you tell us a little bit about yourself? How did you end up getting involved with this type of work and what do you do for your for your work? Thanks much I came to this work working for the state of. Maryland. In the Department of Health and did a public health policy for about ten years both of the governor's office and for the Department of Health I did interagency family and children's services and and was a staff to the. Agency. Council on Homelessness. I was the opportunity to write Maryland's first a ten year plan to end homelessness, and this was back when those ten year plans were really just getting going under the Bush administration and Interagency Councils to. A homeless policies within states were really becoming the thing to do and and so that was precisely the time when I was in public service and my eyes were opened at that point to the breadth of issues affiliated with Homelessness and just how preventable homelessness is if we could just get good public policies to address it. And that was obviously no more. Well, illustrated than health department and in healthcare, and so one the things that I, the partners that we worked with healthcare for the homeless out here in Maryland they introduced me to a network of healthcare for the homeless providers nationally, and that's where I was. Started working with the National Healthcare for the Homeless Council and came familiar with them, and then they had an opportunity for director of policy and I've been in this role for eleven years now. And really excited to be doing just so much more deeper work on healthcare on homelessness in good public policy. So just to start with. I feel like the image that people have of homelessness doesn't actually match the reality of who experiences homelessness, how people become homeless and what it really looks like to experience housing instability. Can You just define homelessness for our listeners and paint a picture to help us better understand what it really looks like sure. I know we tend to conjure in our mind a street homeless man who was a chronic. That is what most Americans think of when they think of as homelessness. Really that population is about ten percent of the total homeless population in the country. Overwhelmingly, what we are seeing our low income working families are working people If you look in shelters most shelters a third to a half of shelter. Shelter stays our children. When you look at it working families who when we think about. Earning eight nine or ten dollars an hour, ten dollars an hour is twenty dollars. Excuse me twenty thousand dollars a year at fulltime salary. That's still not enough to make rent and pay bills and meet your food needs and and and and so people even when they are working even if it's not minimum wage still maybe in the shelter because they can't afford housing. So the official definition of homelessness, it may not surprise your listeners to know that there are many federal different definitions of homelessness depending on the program you were looking to access and so the definition of homelessness if you were in a housing world is more narrow than in the healthcare world. and. So then it's different even for the schools. And so we're looking at obviously street homelessness but also people who were living in transitional housing programs, permanent housing programs, people who were doubled up with friends or family really unstable. There's just a really A. Many people do not just solely stay in one place so they may be staying in a shelter for few nights. They may bounce back onto the street they may be able to stay for a couple of nights with friends or family member. Maybe, a spare couch something like that. Many of our clients do work, and so they do have some income were there on disability and they have some income. So that income allows them to pay a hundred dollars for the for sleeping on a couch for a couple of weeks.
Samsungs Galaxy Z Fold 2 5G: All the details on the $2,000 foldable
"Just large galaxy. No twenty three weeks ago. Now it's time for the Godsey full to five Jeez chance to shine. That is a mouthful brought her Chang, and this is your daily charge. Joining me is he not reporter and Samson expert tooken extra me Machar, thanks for having me. So the gutsy full to five G. and that is a really really long name. I'm just GONNA. Keep that point. It got a minor tease at Samsung's event a few back but now it gets the spotlight to itself. So just before we get into all the specs in all the other details, let's let's get the important that other way how much does this thing cost? So in the US is going to cost two thousand dollars. So basically, it's twenty dollars more than last year's model. So it's a lot of money. Yeah. Yeah. Yeah. That does a huge amount of money. All right. Well, this is. This is a foldable and I get the full supposed to be expensive and it is Simpson's third foldable annexed assessor to last year's fold, which famously had allowed durability issues. So what's different about? Full to in what did Samsung do to make sure this phone holds up What we saw with the flip that they had this spring was that they really had addressed a lot of the issues that the first fold had. So they dealt with the problems with the hinge kind of the crease all of the things that people were complaining about they fix those We're GONNA see a lot of those improvements in the new Z. Fold to as well as. A few like updates from the flip earlier this year. So they've redesigned the hinge and it's the same as what we saw in the flip. So you can have it. You can rest the phone kind of you know at a eighty degree angle or whatever you know set it on your table. They also have these brushes inside the hinge. So in this, they had those earlier, but this is kind of the latest greatest version of those basically to kind of mixture, dust doesn't get in the device or you know whatever is in your purse when you wrote this in there. So they, they've done those sorts of things to address a lot of those issues that we saw last year got in in case God forbid something does happen phone are there any special warranty programs or anything they're doing to kind of make sure that folks peace of mind that spending two thousand dollars on something we're kind of seeing the same sort of offers that they had before were. They'll replace the off the. Screen like a one time replacement for around one fifty. So it's less than if you had to go replace the screen on your own. So that's the sort of thing to kind of try to make it. More. Realistic. Well, if the screen breaks I'm not going to have to pay two thousand dollars to get a new phone I can pay one fifty that replaced the screen and it'll be like new again. No let's about how this differs from the previous model obviously. There's a five gene, the name. So clearly will have five, the Axis. But how much five G. is we've talked about in previous episodes you there's different flavors of it. Right so how much access does this phone actually get on the five networks? On this phone basically is all of the five G. networks like this is a really or at least the major ones that we're using right now this is a very big advance over the folds in terms of a lot of things there's five G.. One of the biggest complaints about the first fold was the tiny screen on the front of the device. It wasn't really useful enough to actually use. The fold as a phone people were tending to just automatically have to open it and use kind of that bigger tablet size screen. So what they've got this time is a screen on the front that stretches across the entire front of the device and it just makes it look last year. It's more useful. So I think people will up using this more when it's closed, not just always having to open it. Yet with the five G., we have a five G. model at all last year for the fold in the US. So this time you know five jeep bigger screen. A lot of things that just make this more attractive and the other a features or bells and whistles that. Help this phone stand apart from his predecessor. Another big thing it's kind of that flex. Mod is what they call it. So that's what we saw I with the flip where you could set the device on the table and the screen will stay open in you know whatever degree you put it in. We're seeing that with this one as well. So they're saying, yeah, you can set it up for like shooting You know a video or whatever or you know or if you're watching something or whatever you can just basically has a built in that's the screen and the device itself So you know that's a big thing that I think people really like that was kind of a cool thing that came with the flip. So. That's one of the bigger changes that they kind of also made some good camera changes with this Basically, they addressed the biggest complaints that everyone had with last year's device and fix those in this one aside from the fact that it's still a two thousand dollar phone. You asked him we were on we talked about the the narrow sliver of customers who are willing to buy a thousand dollar note twenty now this is. A two thousand dollar phone I know it's foldable but. Questions about how useful that is who is Samsung actually targeting with this particular phone Samsung. Is actually targeting note owners with this phone. They found that the people who would traditionally gravitate towards the note lineup. Kind of those early adopters who want the latest greatest tech are willing to spend a lot of money to get a flashy device to get a bigger device and. They're finding that people who were buying the fold are a lot of people who have bought the note in the past or still do the notes It's the way they distinguish the flip and the full term. Each other is they see the flip is this sort of like. Cute. Phone that becomes smaller and put. You can put it in your pocket and it's more of kind of. Everyday lifestyle device and they see the folds as really kind of letting you transition from a phone to a tablet like get more done doing more with multitasking and access different APPS like Microsoft Office. You know things that you would do on a tablet but now you also have an inconvenience of the fact that is also your phone right and then you mentioned MC sophism I'm just curious in your. Demos with this device, how like whether they showed off how you use after how took advantage of this bigger screen? Well, they've kind of had this thing since the first generation of fold where it's called continuity where you could start an APP on the front and then open, it will open at work in the bigger screen and pick up where it left off the issue was there were not ten of APPs that took advantage of it I hope that we start to see more apps soon that work with it. kind of sense than. Samsung has been working more closely with Google and Microsoft and Youtube an office and things like that, and then there's that flex MoD. Also where APPs could you could maybe have you can take like a screen shot of something in an APP over here and then drag it to another APP on another part of your screen more with multitasking. So letting you have multiple APPs open at once is a big thing with the fold You know kind of more of that tablets sort of experience instead of just a phone experience. Give everything that's going on. We're still in the middle of pandemic a still dealing with the recession with millions unemployed. What do you think about Samsung unveiling a phone at this price point? It's kind of the same situation that we saw the note where people who? Would want to buy. This are probably people who were not hurt financially by what's going on right now because they're not traveling, they're not going out to dinners they're not going out to bars. Some people are probably saving money right now and they may see, hey, this is a lot flashier device from what was last year. It. Sampson's had a year to work out the kinks. Maybe this is worth investing in. The two thousand dollars is not unrealistic based on what is actually going into the device is just kind of a question of individual people have to decide if they're willing to pay two thousand dollars, but we have to remember this technology is still really early like foldable screens. This is basically just the second year first full year of seem devices with these. So it's not like these have. been around forever like like regular led displays Five G. is brand new. That is also expensive it adds cost to a device. So you know it's just kind of what you're willing to do but then you know as we've talked before, there's kind of factor of with foldable. You get these because you want people to see them. It's kind of how like iphones used to be like. The newest generations had to have some sort of little tweaks to make it. Make people know that you have the newest device, not that s off your device or whatever that you didn't buy like a two year old phone or year old bound. So it's the same sort of thing with this with you know when people are out using a foldable people, stop them ask what is that? Can I see what is and right now you really don't want anybody close enough to you to touch your phone or see it or or even be out that much to have people see it. So you know it's kind of the whole if you're in it just for the flash flashing aspect is probably not worth it but if you're in it because you want a device that transitions from phone to tablet. It would be attractive for people and thinks, lastly, I heard this phone grants some unusual perks what do you actually get with this phone? So it seems has this sort of VIP program for the folds and you get a membership with it. It's kind of unclear how this actually work works. They said there'll be some benefits like six months free of of this like premium fitness workout system like fifty dollars off like a hare service, six months of free of linked premium. Free Golf membership you know a Michelin Star meal that you can get delivered to your home It's it's a bunch of things where it's like. Okay like you know, I don't know how much people take these and the other thing is they said that these are going to be coming to people who bought the previous fold people who bought the flip. So it's not like you have to buy the new fold to take advantage of this if you really want access to whatever these things are under hoping to add more benefits We'll have to see same is actually done this for a long time with its phones. It'll have like when you buy the new galaxy whatever you get. Six months free of dropbox and you get premium bird blah blah. Blah. So it's not that unusual for them to have kind of bundled promotional partnership deals with their device but these are kind of bigger and more like real world things. You just have you know premium flip board on your phone. Clearly geared towards towards a different customer segment. Than just premium clipboard. People. Who have two thousand dollars to spend not exactly well, thanks for your time Shara. If you have any questions about the full to his up on twitter at the daily charge, you create coverage on the phone announcing dot com the charge. Roger. Chan next listening.
Speak now, or forever hold your peace
"Dear sugars my boyfriend and I had our first baby last month, and now I'm fortunate enough to be a stay at home mom to are beautiful seven week old boy since getting pregnant we've discussed getting married and we decided we should get engaged a few days ago I came across a ring sized box. My boyfriend was obviously planning on giving me. It had the name of a company on it and I immediately googled it out of curiosity. I was taken aback when I found this company sells cubic zirconiums, rings that cost about twenty dollars. So I did something that I now regret I peeked inside the box. It was an engagement and wedding ring set that I saw on the website cost twenty dollars and ninety nine cents. I'm both upset and baffled by this because my boyfriend is not one to be cheap when it comes to jewelry. I showed him a ring that I wanted, which costs around three hundred dollars I thought that was fairly inexpensive for an engagement ring. So, here's my question. Do I say something to him about it when he gives it to me? I'm truly hurt that he would be so cheap when it comes to such an important moment. Then again I don't want to be shallow and I'm incredibly grateful for our life together and I'm lucky to have such a great partner. The ring itself is fine and actually pretty, but it's not really what I wanted signed speak now or forever hold my peace. Fired up about this ticket thing. Okay and I got a feeling we're headed towards the trouble here with her answers I'm just a the the the boom will be lowered by all chair. Okay. I'll Cherono dum boom we'll be lowered by a remarkably useful looking Cheryl. Okay. So this is a little bit complicated because we don't know your economic circumstances it sounds to me speak now like you are a stay at home mom. Which means there's one income you decide to make this long good promise. But when you say that your boyfriend by nature your soon to be fiancee is not cheap about jewelry I. Assume that means that character logically, he understands that it's important and this is an important moment. So I am genuinely baffled along with you as to why he would give you a twenty dollar ring rather than three hundred dollar ring which sounds. For many people like well for a big occasion, that's a very reasonable amount of money to spend on an engagement ring but I don't know your circumstances and I don't know your your fiance's if he's your fiance by this I don't know his anxieties about caring for this new baby. What is clear as he isn't hiding it from you, he isn't trying to pass off this cubic zirconiums as a nd he's quite open. About it I think you have to bring it up with him because you're GonNa have that ring on your finger hopefully until death do you part? So it feels like to fundamental a nagging doubt to ignore. But I I'm of the mind just because of my orientation on things that it's about the commitment that he's making to you and how loving and supportive and connected he is to you not about a piece of jewelry. Lower the boom speak now or forever hold your peace. You're not being cheap or shallow by telling him that this that he made a mistake. I understand everything Steve is saying about your economic realities it sounds to me I mean, first of all, she knows their realities and she isn't saying, well, I told him that I loved the three hundred dollar ring. But I knew that we really couldn't afford it because times are tough. Okay. She didn't say that to us. She said that by way of saying this. would be the reasonable ring for him to get for her for such an occasion. This is as you note, a ring that she's going to be wearing for the rest of her life, and so you know what? I'm sad for you about is, of course, we want our engagements to be fairytale and we want them to line up with the joy in the happiness and. You know of the relationships we have with our partners but sometimes in the course of those big moments, even people who are glorious and lovely inconsiderate and generous and wonderful, and all these other ways botched the job and I think that this is what happened with your boyfriend speak now and I don't think that he meant to hurt your feelings or make you feel. Like you weren't valuable to him. But I do think that he was wrong to give you a ring, the costs less than twenty one dollars I do think that this was a major fumble that you will laugh about in years to come but only if you can fix it okay, I would sit down and say I was so touched that you gave me this ring. But this ring is not what I had in mind and it's really important to me that I looked down at my hand for all the rest of my life and feel nothing but love and joy and gratitude for the bond that we have and this ring makes me feel bad and yes, it is because it only costs twenty dollars ninety nine cents you
Trader Joes Petit Reserve Russian River Sauvignon Blanc 2019
"Stay from cheap wine fighter dot com an edge again. Wine we got from trader Joe's trader Joe's. Since the Kobe thing has been kind of light on new wines, they came out with a few new ones and we have a new one today. And, it is the trader Joe's petite. Reserve Russian River valley saw vm blocked twenty-ninth teen. Always. Think it's seven, ninety, nine, hundred block and I was you know when you get one from fancy growing area like the Russian river, which is Costa Sonoma. The always think. It's maybe some fancy winery, the head, some leftover twenty, dollar wine, and. You. Know Trader Joe's got a deal on a small amount of it and L. Not for seven ninety nine not this time that does happen from time to time. But this is from Owl Ridge. Wine Services, which has been a company. Out of Russian river since two, thousand, four, they they're accustomed crush private label. You know if you want to start your own wine label, you go to them and you know you tell them what you want. They'll make it for you and label it and you can. You can make your own company and sell it to stores. Are you. If you're a trader, Joe's though, make you wanting to. And this is from the Russian river and they've been at it since two thousand four, which gives them years of having. Contacts with the local vineyards and wineries. So they have good resources. Trader Joe's as you know. Price Advantages Basically they don't advertise they don't have to. have. A distributors go store to store trying to sell their wind getting the shelves. Everything's done a front. I think they pay for it upfront to I'm not always sure about every single deal. But I do know that that is what happens with these wines. Once they contract for it and they pay for an upfront, it's there's to sell or not sell. So that's what we have going here, and this is blocked from the Russian river valley. I think I've had many of those Russian river is a wonderful place for one. There's some high end wineries in there. But I normally get the Pinot Noir Chardonnay that's that's what they're most well known for though I know there are some wonderful producers making. Saab block in there and some really good vineyards and. Probably from somebody's really good vineyard I'm gonNA take a SIP. Kinda reminds me of New Zealand but not quite. Got Some both flavors. It's got some. Spice. I. I wrote down all of my my tasty notes on the. Review on cheap wine DOT COM. To go into all the details but this isn't a light and fluffy patio cooler. You're GONNA WANNA. Go to put a good show on this, but you're going to sit down and you're gonNA. WanNa. Shrink it and thank you know just. figure out what's in there because there was. A little bit of cream a little bit of salty flavors spice. There's. Sweet Sour. There's Tart. Not. Bad, for something ninety nine. Russian river I'd like I said I don't normally get my assab yom blocked from the Russian river, but it gave me a little bit of New Zealand which is. Had good acidity didn't have that grab another glass of you know. Like so much with expensive wines, but it had good acidity. Tons of flavor. Aroma. There's nothing really to complain. I like my soviet-bloc young without a lot of aging bottle not a lot of production techniques. Crush the grapes do what you gotta do bottle maybe eight just a little bit. This is twenty nine hundred and they didn't age it that long. And let it go and that's what I like my own block, and that's what this is and it's seven, ninety nine. It's from a place that I don't normally get myself I'm block. which is a plus in my book. And and actually have a book. That's Quinton Tarantino quote and There's not like some no name for savvy blocked. Tastes. Good. It's interesting. It's well. -At's jeep hey it's what cheap wanting finders all about we found one that's interesting. Jeep if. Block, you'll like this it's A. It's it's GonNa be right in your
A call for quick coronavirus testing
"First up this week we have staff writer Robert Service he's GonNa. Talk About Rapid Corona Virus Testing Bob. You write about rapid testing this week because even though we've ramped up from maybe a hundred thousand tests per week in March two, now five, million her week. This is all in the US there's still a lot of lag in when people get results and we're seeing a lot of uncontrolled spread. How would a new strategy based on rapid testing work? The problem there is a set the whole testing scheme using a diagnostic test is just not really addressing one of the key questions of. The current pan-demic and that question is not so much do I as a patient am is sick today or not from this disease, but the question is more of a public health question it's Where is this disease in our community? Who has it doesn't have it then can we identify people quickly in order to get them to self isolate and that way break the chain of transmission of the coronavirus so if you're coming at this from a public health angle, why is it important for the test to turnaround rapidly the speed with which you can give an and get a result back turns out to be the most important factor in reducing the transmission of a virus in the community. If you get a test and get the result within fifteen minutes or half an hour, you get a positive result, you can take yourself out of circulation not. Go to the grocery store not go to your friends barbecue or whatever, and that in a community will begin to lower the transmission of the virus pretty quickly. What are the differences between a rapid test like you described and the diagnostic PR has? No. We started talking about there are a couple of different classes of these rapid tests. One class of them uses an approach that's pretty similar to CR. They do some of the steps differently or skip some steps and most of those have sensitivity that's quite high. So they can still be used as diagnostics and one example I think that we're probably all familiar with is at the white. House uses a rapid. Tests called the Abbot idea now test. So that's great for the White House and it would be fantastic if we could all get such a rapid test, the problem is, is that those aren't available on the scale of hundreds of millions of people but there are other tests that could be there are Jessica on Antigen tests that worked very differently. They tests for the viral proteins. These tests are what people might think of like a pregnancy test where it's just a simple. Yes no answer. There's not a whole lot of extra machinery involved. So they can be really cheap you can make him by the millions. Tens of millions, hundreds of millions, and so then you can begin to think of designing a system that's very different. How cheap are these tests? The Antigen task for the of the rapid test his tests in general can be around one hundred dollars or more the rapid. Tests can be down to twenty dollars in hopes of maybe using cool strategies or something like that. You drive it down possibly even the ten dollars tests that starting to get pretty good. The Antigen tests can be made for as little as a buck or two. So they're really quite cheap. Then it becomes possible as a national strategy to begin thinking about giving these to everybody PC. Has An amplification step where it looks for peace of Arne, and then it makes a bunch of copies of it. So the signal is strong whereas an antigen test it's looking for a scrap of protein and it might be easier to miss someone who is positive but the sample didn't capture that the antigen test doesn't amplify anything because it's not amplifying anything it's not sensitive, it tends to. Very low levels of the virus. But what I think a lot of epidemiologists are coming around to the idea of that might not be such a bad thing. Because in the case of this novel coronavirus, what happens when people get infected is their body in the first couple of days starts to produce more and more virus, and then it goes up really rapidly than it plateaus at some point and then comes down on this long tail, and then it kind of stretches out for a long time where people can have low levels. Of the virus for a very long time and the problem is is the PCR machines can pick that up and say, Hey, you've got this corona virus genetic material you might be positive. Well, you might only infect others when they're really cranking out there large amount of virus, and that's what most epidemiologists think today. So the Antigen tests though they are less sensitive than the PR. Their flagging people who are at risk of being most effective with from a public health standpoint. That's exactly the people you want to identify, and if you have a strategy that focuses on rapid testing of a broad swath of the public, you're also going to want to do it multiple times and so you might pick up somebody if an antigen tests miss them the next time then take a test that is absolutely key. So that's one of the other things says being recommended. You don't just give people one Antigen test and call it good. You would give them a whole batch and say, hey. Every three days. Even if it's if you have a test seventy percent accuracy or sensitivity, you might miss thirty percent of the people on that first test. But then you're going to pick up seventy percent of those thirty percent on the second test and on and on and on, and so you're going to pretty quickly catch up part of the way to think about that is the PTR tests are dismissing these people altogether because they're not even testing huge swath of a symptomatic people because they're just saying, well, we only have enough tested around from symptomatic people. They're just letting those go right by and so the. Virus continues to transmit through all those people, which is why there's become this huge debate about Masson trying to find other ways to contain the virus.
Police body camera video of Floyd arrest released to public
"Hi Mike Rossi a reporting a judge orders the release of the police body camera footage of George Floyd's arrest the for many apple as police officers on the scene of George Floyd's arrest on may twenty fifth appeared unconcerned as the hand cuffed Floyd gasped for breath and complaint with his neck under officer Derek shopkins neat talking police body camera footage was released to the public Monday on the order of a Hennepin county judge the footage had already been viewed and reported by the Associated Press and other news organizations Floyd who was suspected of passing a counterfeit twenty dollar bill at a convenience store died after shamans knee was on his neck for nearly eight minutes hi my cross yeah
Disney lost nearly $5 billion last quarter, but stock prices surged
"Disney is really an interesting story right now, it is massively exposed to the pandemic. They have just recently announced their results. They lost a staggering amount of money and yet they have some good news about their streaming service and it's like the market just. Has Undying confidence because of the power of Disney's intellectual property well, and the fact that they have pivoted to streaming in a major way I mean only in twenty twenty can you lose four point seven billion dollars in a quarter and have your stock go up because you also announced that you're streaming business hit sixty million subscribers for Disney plus one hundred, million subscribers include Hulu. and. ESPN plus I mean this is the craziness of meteorite. Now in that the the The Walt, Disney Company was more exposed than anybody else to this pandemic because the parks were shut down for most of the second quarter these parks were not operating not generating revenue and they're movie business was essentially shut down because for most of the quarter they were not allowed to release. Movies in theaters yet because the future of the business is in streaming and people on Wall Street and elsewhere are looking to growth in those categories to see if Disney will ever be able to compete with Netflix on that front it's actually a mixed bag for the quarter because streaming is great. Yes Jiming great I mean they don't charge that much for it's seven dollars a month. They have certainly tried to figure out how to keep it stocked. Challenge that Disney has really faced. They came out with the man delorean and then there was just incredibly long pause when you're talking about anything for a person over the age of whatever. Some people are love all of it for life, but primarily, their stuff had been appealing to kids. netflix's firing out new stuff. To the point where you can't possibly keep track of it. Disney was really kind of a bit stalled out. It seemed they had Hamilton and. They got a lot of noise with Hamilton putting the film online, and now they're doing a really big experiment that could affect the future of this industry, which is to put Moulin a two, hundred, million dollar plus film on demand not at the twenty dollar price point that you know universal charge for the trolls released but at thirty dollars. ESSENTIALLY THIRTY DOLLARS And they're saying it's a one off but they're also saying we're GONNA learn from this. This is a one off until it isn't and the interesting thing is that they're not just charging thirty dollars for it, but they're only making it available for Disney plus subscribers. So if you're not one of those sixty million subscribers who already get Disney plus you're GONNA have to sign up for the service and then pay thirty dollars to get Milan it's an interesting strategy. Mean they doing that because if they put it on regular premium video on demand, they would have to share a lot of that price with the platforms that help them That sale up here there's some rumors that they may be sharing a little bit of the price with the theaters that were promised movie that hasn't been confirmed but if they're willing to put it behind essentially a paywall and a paywall, we're really going to see what the demand is for this kind of high-quality a-list Disney content in a streaming
Pikmin 3 Deluxe and Our Nintendo Backlogs
"My Name Is Casey Fritos I'm your host, and this week I am joined by Brian Tahoe. Hi Everyone Seth macy. And Logan. Plants. And I just wanted to mention that Logan Plant has now been working as production assistant for the last year. So thank you so much for everything that you've done for us. We super appreciate it and we welcome you on the show this week. It's been an awesome year of NBC. Got This GIG last August starting my senior year of College McMahon. Twenty. It's GONNA be year. It's going to be the best year for me. At prediction was was very untrue, but I've loved working on NBC. Well, we did get to do a thing that we do everybody who's worked with gene for year, which is broken your house in spray painted the logo on your shirt. So yeah. Yeah, got. Bad. It's still drying right here. Comfortable. I Apologize. But Hey guys so much for joining me this week. Let's start off by talking about the big news, which actually Nintendo finally decided to reveal something before recorded. So I'm very grateful for that thanking Intendo, but we finally known antennas next scheduled release. It will be picked three deluxe out on Astra with. For Fifty, nine, ninety, nine. No. Yeah. Yeah. Okay. So You Brian, we're your pigment fan I look pick. Yeah, you. excited. Yeah, yes. Yes. Yes. I, am I'm all for. Every last great. We you exclusive game to no longer be that and to be brought to a platform where millions more people can enjoy it. And I've picked threes really fun. It's really good game. What I'm a little annoyed about with this is that. They. D listed the version. Basically, the exact moment that they announced this version and the version was on was selling for twenty dollars. So. That's kind of A. Weird situation. 'cause like. They're. They're basically telling their fans like if. If you have access to switch, this is where you'll have to play this game because you won't be able to get this anywhere else for cheaper. And also that the it's it's three times the price. Now, they're adding stuff to it, which obviously, we'll get into a, but yet my gut reaction was gay pigment three, and then also boo to the price of then also, you're totally going to pay that price, get pigment three under switch. So yeah, you're totally right. The an I also wanted to mention that we're bringing up the kind of skis tactic of taking it off the we shop. You. Guys noticed that all of the the vouchers that people bought I think it was, it was one hundred dollars for for two vouchers, one voucher per game, and they expired on July thirty first, which is right. Before they made this announcement I know at least one person in our podcast forums on facebook mentioned that they actually called Nintendo customer service and asked for the. Vouchers to get an extension and they granted him the extension by another year. It is now too late to do that. Ari. Or maybe not maybe if you have expired vouchers sitting around, you can call customer service and have them I'm so sorry, Nintendo customer service workers. You guys get a flux of collars because of this, but hey, it's worth a shot right especially if you haven't used them yet. But that was kind of embarrassed about this whole thing to like you mentioned, the vouchers are to one hundred bucks, which means if you buy, you know sixty bucks a sixty dollar game you're saving. Ten Bucks per game, which is a great deal. But you. They stopped selling them like a year ago. Yesterday, basically, two days ago, and with the expiration, you could put them towards stuff that was available for preorder. But because Pittman three wasn't available for preorder. You couldn't put it towards that Nintendo has been pretty quiet about. Announcing Twenty Twenty lineup arrested twenty twenty WANNA and so. You didn't really have anywhere to put that money and then. They retire those vouchers in three days. Later, there were like Pittman three and so A. Libertarian Carriers I. Wish I'd have panned out a little bit better. Yeah not crazy about I will. I would have been more forgiving if they announced it like the day, the vouchers expired because then at least people would be like I, have to spend it on this. Now, I mean, it still would have been a little bit questionable, but not nearly as various as this was i. don't Know Logan Seth? Did you guys by those doctors? No, I. Didn't I thought. It was I would just spend the extra ten bucks. I'm not really a digital player I mostly get physical stuff, but I thought another weird thing about it is like a third of the Games. You could get with voucher dollars. You weren't even saving anything on a bunch of the options. So that was another kind of weird part about the voucher system. I was just never onboard with the whole thing. You. No I didn't buy the batches. I. Actually Forgot
breaking down the elements of a pin worthy space + how to use pinterest to design your house
"So. What am obsessed with this week and have been for apparently many weeks in a row now is these rope lights that I got from Amazon and when I say rope late I mean actual lake chunky almost like boat rope like from a large ship. That's the only as I can envision it going but basically there light fixtures made of rope you cannot them and tie them. They come with a different number of ropes at the end is a light bulb I installed these as part of my frog tapes face that I did for the frog tape paint over challenge they were twenty dollars each I still cannot believe that every time they look at them, I'm amazed So talk about lighting on the cheap that looks really unique and really classy and very obsessed with them. I link them in the show notes so you too can be obsessed. Wait what? So my wait what for this week is that I am making over the entire podcast studio, which if you've been around here for any amount of time, you know that it's half of my closet because you get really good sound quality in your closet because the close absorbed the. So half of my closet is fully dedicated to the podcast and I decided to make it over not while we were on break because that would make way too much sense. But instead right now while we're launching season two so currently I'm sitting in the clues half of my closet squished chair unable as a look to the other side of the room where there is a half finished space. It's looking pretty good so far, and you can follow the full renovation slash refresh on him over it never skip brunch and really excited for this space because there's going to be a lot of unique things whether it's projects that you can take on in your own space like a diy couch a herringbone. Bone Wall or if you're a fellow podcasters and you want some tricky interior design tips for soundproofing, there may or may not be an upholstered ceiling in my future. So stay tuned for that. I'm really excited to share. Okay. So let's dive into today's topic, which is how to create a pin or the space. This is a question I get all. Of the time I, like a photo on Pinterest. How do I get it? How do I get my house to look like that? How do I get my room to look like my info photo? So this is totally a loaded question first things first, but I really WANNA, break it down beyond just how to look at something and duplicated in your space. To me, that's not really the point of Pinterest hand I think when people do that, they're left more times than not very unsatisfied with the space. If you listen to my episode about how I design a room, you know that I, start with function and how you want the space to serve you before we can even talk about aesthetics. So today I'm diving into all my secret tips for. How to approach pinterest inspiration how to recreate it in your space in a way that fits your style and feels like you as well as some insight that I think we don't talk about a lot or think about a lot when it comes to pinterest interior design. So hopefully, this episode is Super Helpful helping you rethink your space use pinterest as the amazing inspiration creative tool that it is and. Really, great those faces that you freaking love. This is something that I talk about as my mission it is my goal to help people see past what is pin worthy to really create a space that inspires them and is absolutely beautiful but as a space that they feel reflects them and serves them in works for them. Pinterest. Is One of my very favorite places on the Internet and I. Think it's such an amazing tool for helping US build out our spaces I wanNA break down some strategies that you can use to make pinterest work for you and to be able to harness it as a tool for inspiration and something that can help you visually design things and draw that creativity to really be able to kind of create the vibe in the function that you need for your space. So pinterest is not like other social media platforms. It's a place where we go to dream to collect ideas and I. Think it's such a beautiful thing because it allows you to hoard every idea imaginable that you could want and keep them in a place that's easily searchable. You can easily revisit in doesn't create clutter in your life which is. Super Helpful. But I think for a lot of people pinterest can be challenging or even discouraging because they're pinning all these pictures of their dream home and they're pinning all these things that they wish they had. Or? Things that they wish their space had. And then her left feeling disheartened or discouraged. By. My House that I have right now can never really look like that. In order to get that dream space I'm going to have to move or I'm going to have to have more money to buy a larger house or maybe it's just out of reach for me, and so I wanNA kind of debunk that line of thinking because more and more I'm realizing that there's a lot of women that struggle with this that you know it's kind of a love hate relationship right where pinning and we're dreaming and that's a fun exercise. But then if we're left with no way to get there, no way to really. Have our dream home brought to life. Then it's discouraging I firmly believe that your dream home can be the home you're in I talk all the time about how design is never really done. You never are really there this whole concept of a before and after is just to snapshots of a journey that's going to take you your whole life between your style, changing you growing as a person different seasons of life in which you need different things from your home. Your home is never really done. It's not like you decorate it and then it's finished, it never is finished, but that's the beauty I think of. Our homes is that there's such a process they are lived in, and that process is beautiful it can be beautiful. It can be pin the and I think there's just some tools that maybe you need to get you there, and so I hope that with this episode you'll find that.
Chicken Nugget Money
"Her magazine is going further into membership. They've been doing membership for a little over a year and small pockets of their publications. The concept is they want to rely less on advertising and create more of a revenue stream that isn't reliant on that. The latest is cosmo unlocked. From Cosmopolitan magazine it's unlimited. Digital Access adds an exclusive newsletter for two dollars a month. They said it's cheaper than chicken nuggets. That is true. I appreciate that that's a good reference point for me. I detect zero lies. For Twenty dollars a year, you can get access to the website, the print magazine and the Newsletter Sarah for twenty dollars they throw in the print version to without any membership you can access up to four free articles a month, and they've put the rest behind a firewall. So you could still access some reporting, but they're starting to kind of go in this general membership direction not across all their banners they're just kind of experimenting with a few. Lisa. Is this a good idea? I hate it. Oh No tell me why Well look if I'm thinking like a magazine executive I, love it because in the olden days like twenty years ago you would just by subscription to a print magazine and that was it. I mean this is a similar price point. This is not offensive in terms of. Your pay walls that I have seen right so that's fine. The problem is that me as a consumer, I'm getting totally subscription to out like the biggest part of my budget in terms of just simple line items is just like subscription subscription subscription it's the music streaming it's the TV streaming. It's you know the tech tools that I use online it's the publications that I subscribe to and. I think if you can get people and have them forget that they're paying every month and it's just a little bit like two dollars and it dings and it just goes through I think you're GonNa get a reasonable amount of money. But? I don't think it's. A replacement right now for finding advertiser dollars because I think a lot of people especially in this economic environment right now don't have a lot of. Emotional bandwidth to be tracking all their subscriptions. I like us idea I disagree with you. Because I went journalists to get paid. That's true and I hear you that all of the subscriptions were kind of subscription. Doubt Idea agree with that but they're kind of getting more into a few youtubers have patriotic levels and I've been thinking about subscribing to that because I think that they're putting out great content and there is I, think an advantage to being a member where you get closer to those creators you get just more of what they're putting out because it does something really great if phil something or it. Gets you excited about something or you just think about this great people doing like time management projects that help keep you on track but the thing is the membership has to be worth it yes and I'm personally going to be very selective about. Who I want to latch onto I don't know personally if cosmo appeals to me to be a member, I really want to latch on to a personality versus a corporation. I would like to support an independent artists or a group of artists that are putting something out to the world or some. VEGGIES and entire company that I do not know. Yeah. You you make an interesting point there because I do want to clarify that I. Don't hate this because hearst is doing with Cosmo I hate it because it's hard to manage for me as a consumer but use something interesting, which was you're supporting several creators on Patriots and Patriots a platform that aggregates your subscriptions. So you make one payment amount which I appreciate I do and I think I think the I think what publications should be doing. Working with other publications to build a platform to manage to bundle my subscriptions and be able to buy one off articles for the ones that I don't subscribe to all time bundle that. That is a free idea. Also, why didn't they start this ten years ago like the seems like such low hanging fruit that. Two dollars a month you're a member you get exclusive whatever why wasn't this happening ten years ago I don't understand. Like late teens, early twenties. Lisa it would have been a really easy birthday or. Whatever gift to give me the cosmos subscription to the exclusives Done Twenty Bucks I don't think it's a bad idea. I think it's a good idea but people are going to be selective about who they want to align themselves with or spend that like Doug it money with which I understand I get it. We only have so much attention. We only have so many dollars especially right now
Chicken Nugget Money
"All right. Let's get to fashion news first story. Her magazine is going further into membership. They've been doing membership for a little over a year and small pockets of their publications. The concept is they want to rely less on advertising and create more of a revenue stream that isn't reliant on that. The latest is cosmo unlocked. From Cosmopolitan magazine it's unlimited. Digital Access adds an exclusive newsletter for two dollars a month. They said it's cheaper than chicken nuggets. That is true. I appreciate that that's a good reference point for me. I detect zero lies. For Twenty dollars a year, you can get access to the website, the print magazine and the Newsletter Sarah for twenty dollars they throw in the print version to without any membership you can access up to four free articles a month, and they've put the rest behind a firewall. So you could still access some reporting, but they're starting to kind of go in this general membership direction not across all their banners they're just kind of experimenting with a few. Lisa. Is this a good idea? I hate it. Oh No tell me why Well look if I'm thinking like a magazine executive I, love it because in the olden days like twenty years ago you would just by subscription to a print magazine and that was it. I mean this is a similar price point. This is not offensive in terms of. Your pay walls that I have seen right so that's fine. The problem is that me as a consumer, I'm getting totally subscription to out like the biggest part of my budget in terms of just simple line items is just like subscription subscription subscription it's the music streaming it's the TV streaming. It's you know the tech tools that I use online it's the publications that I subscribe to and. I think if you can get people and have them forget that they're paying every month and it's just a little bit like two dollars and it dings and it just goes through I think you're GonNa get a reasonable amount of money. But? I don't think it's. A replacement right now for finding advertiser dollars because I think a lot of people especially in this economic environment right now don't have a lot of. Emotional bandwidth to be tracking all their subscriptions. I like us idea I disagree with you. Because I went journalists to get paid. That's true and I hear you that all of the subscriptions were kind of subscription. Doubt Idea agree with that but they're kind of getting more into a few youtubers have patriotic levels and I've been thinking about subscribing to that because I think that they're putting out great content and there is I, think an advantage to being a member where you get closer to those creators you get just more of what they're putting out because it does something really great if phil something or it. Gets you excited about something or you just think about this great people doing like time management projects that help keep you on track but the thing is the membership has to be worth it yes and I'm personally going to be very selective about. Who I want to latch onto I don't know personally if cosmo appeals to me to be a member, I really want to latch on to a personality versus a corporation. I would like to support an independent artists or a group of artists that are putting something out to the world or some. VEGGIES and entire company that I do not know. Yeah. You you make an interesting point there because I do want to clarify that I. Don't hate this because hearst is doing with Cosmo I hate it because it's hard to manage for me as a consumer but use something interesting, which was you're supporting several creators on Patriots and Patriots a platform that aggregates your subscriptions. So you make one payment amount which I appreciate I do and I think I think the I think what publications should be doing. Working with other publications to build a platform to manage to bundle my subscriptions and be able to buy one off articles for the ones that I don't subscribe to all time bundle that. That is a free idea. Also, why didn't they start this ten years ago like the seems like such low hanging fruit that. Two dollars a month you're a member you get exclusive whatever why wasn't this happening ten years ago I don't understand. Like late teens, early twenties. Lisa it would have been a really easy birthday or. Whatever gift to give me the cosmos subscription to the exclusives
July Mailbag with Jason Moser
"The. Multiple answers I'm out Southwick and I'm joined, is always by broke camp. Personal Finance expert here at the Motley Fool. Hey, BRO, well! Hello Alison. It's the July mailbag where we answer your questions and this month it's with the help of multiple analyst Jason Moser. Should you buy a house now? What is modern portfolio theory and also here Jason's thoughts on a lot of stocks all that and more on this week's episode of Molly fully answers. Jason thanks coming back. you know I mean i. told you you invite me. I'M GONNA. Be here every single time. Thanks for having me back. I mean we appreciate it because we know you're a busy man, and so we do appreciate that you carve out time for us in our little show, don't. Always always make time for those important people in my life rule number one make time for allison and Bro I love. It sounds like a good one to me. Everybody wins. All right well, I guess we should just get into it, so the first question comes from Darren I've subscribed to the full for over a year and I'm really pleased with the service. I would like to know your thoughts about my holdings in Shop Affi- I've bought several times over the last three years, and it's now over thirty five percent of my portfolio and I. Don't know if I should continue holding or trimmed down. What would you advise a good problem to have I was gonna say that exact same thing? That's a good problem have? In a very glad, you have subscribed to our services in your really pleased. That's that's what we aim to to do. We aim to please help you make money and so yeah. This is one of those situations that we will find ourselves in from time to time as investors. A nice problem to have but something you do need to address at some point because it is going to be a little bit different for everybody. In so coming from the perspective of I, also own shop, a Fi stock in it's it's a wonderful investment. It certainly is taking up a bigger. Part of my portfolio a not at thirty five percent where you are. I think for me. It really does boil down to. That sleeping at night test in other words, you need to be able to go to sleep at night without worrying about this kind of stuff, and if you feel like shop, a Fi represents too much. Of your portfolio if you feel like you're overly allocated their, then, you may need to consider pulling it back a little, but now I mean it's. It's I think it's always important. Note you know. It's a big difference between building up a position buying a position to make this size to make this type of allocation in your portfolio. It's another thing entirely to have position grow into beat into becoming that size i. mean that that is that is in a little bit of a different dynamic there, so people all the different ways, some sometimes folks will, they will just sort of looking at it from the house money, concept or you. You just sell enough shares to recoup your initial investment, and then you let the rest of it go. Some people are perfectly fine with thirty five percent. Some people are not. They want a pair back so i. do think you need to kind of figure out what helps you sleep at night I do think that shop by a great business. I think the biggest risk in only shop, if I right now is valuation, just because it's dominating, it's space, but it's not making any money yet, and it's probably going to be a little while until they do so that valuation risk is there, but ultimately yeah I think determine. Where you feel most comfortable with it, and if you feel like you need to put a little bit of that money off the table, and he thirty five percents a lot, certainly very understandable. If they've said something you need to do if you do decide to pair it back a little bit. You've made multiple purchases, so you can identify the shares to sell to manage the tax consequence if this isn't a brokerage account and not an IRA. All right next question comes from Steven. If you are forced into unemployment, you are paying federal income taxes on unemployment payments are not contributing to social security nor to Medicare. How does this affect your future calculation of social security benefits and can one contribute to the social security fund during unemployment to mitigate any adverse effects on benefits, it is a little bit adding insult to injury, but you do owe federal income taxes on your unemployment benefits, and if your state charges has a state income tax, you probably have to pay state tax on that, although there are a handful of states that exempt unemployment benefits, so that's good news. And by the way you, you could have taxes withheld from your unemployment benefits you file. This form called form w four V. if you want, they withhold ten percent, or you can do quarterly estimated payments if you wanNA avoid that big tax bill at the end of the year, but if you're strapped for cash is probably just better to get the money now worried about your taxes later Eh. Stephen notes out. You do not pay payroll taxes. Those are the things that go into social security and Medicare so. So. It could result in a lower social security benefit, however, keep in mind that social security is based on your thirty five highest earning years, so if you enter the workforce at say twenty two and you work until you're mid to late sixties. That's more than forty years where the working so hopefully. If you miss out, if this year is not so good somewhere among those other forty, five or so years, you've had thirty five really good year so that this year won't be that big of a deal. So it probably will be okay. And then to address the last question. Unfortunately, no, you cannot make voluntary contributions to social security. There is at least one academic working paper out there. That suggested that people could buy into social security by like extra credits as opposed to contributing to your 401k, but so far that has not been passed by Congress I had an ex. Question comes from Sam. I heard to stocks discussed on another full podcast. When I read articles about them, it mentions they are thinly traded. I have two questions one I'm sure my position would still be quite small so I think I'd still be able to get in and out, but are there other things I should think about when it's a thinly traded stock and question number two. Is there a certain amount of? Daily volume you like to look for when considering a stock foreign investment. What volume do you want to see to not be? Quote thinly traded stock. Yes very good question in thinly traded stock just refers to the either the amount of shares or the dollar volume of shares that would trade on any given. Market Day and so. The. Thinly traded stock. The the problem is that you may not necessarily able to buy and or sell at the prices. You necessarily think you might be able to in other words when you look at a stock's price and you're looking through the. What what's going on throughout the day on the market, you'll see that did ask spread, which is essentially the bid. Ask spread is it's what someone's willing to pay for the stock versus what someone is asking to be paid for the stock? Because you know you have a buyer and a seller on on in every transaction they're. Normally most cases, these business business bread is very tiny, the couple of pennies maybe for most stocks because they're. They're heavily traded right there. There are plenty of dollar volume. But there are a lot of smaller companies small caps in particular in in you know a micro cap, specifically that don't necessarily meet these kinds of thresholds, and so you definitely have to be aware of that now I'll go back in time just a little bit, too. When we were running the service here at the fool called million dollar portfolios Roman Romani portfolio that we help manage members, and it was never really a problem, but we did have a condition in there. We were always looking for at least ten million dollars in average. Trading volume total daily volume now understand I'm not saying the number of shares saying the amount of money so basically shares times price, but we're always looking for at least ten million dollars. That wasn't set in stone it. It was an idea for us. It wasn't ever really a problem because we had a very diversified portfolio with a number of different types of companies, but when you're looking for smaller companies, you would've just keep that in mind that did ask. Spread is is something that just because it says the stock is twenty dollars. That doesn't necessarily mean you'll pay twenty dollars if there is a a big spread there between the bid, and the ask in so I think whenever you're considering stocks that have any lighter trading volume or thinly traded stock. Just be sure to use limit orders. Limit Orders of let us stipulate the price that you are willing to pay for or that you're willing to. To accept a if you're selling a limit, order is just a really good way to protect yourself from any unwanted surprise thinly traded stocks. You might not always necessarily get them when you want them, so you might have to lead that limited are in there for a little while, but but a limit order is a great way to protect you from any unwanted surprises. Next question comes from Randall. I'm in my late thirties now, but earlier in my life. I was very very bad with my money. Collection Calls Welfare and bankruptcy or not strangers to me. I've been at the bottom then I met the love of my life, and she convinced me to turn things around ten, and a half years later and I have done a complete one eighty, I took control of our finances rebuilt my credit and started investing and listening to all you find folks all. I opened it investing account with the goal of saving and building enough a down payment on a home. I'm happy to say we've now reached that goal. I recently sold at a profit because I didn't want that. Money tied up in the market. If we are close to needing it for a house, but now that we're here, I'm not sure what to do. We currently rent a basement apartment and our neighbors general living situation are less than ideal to put it mildly. So, we're champing at the bit to jump into the housing market that being said the experts have been calling for a drop in the housing market for a while, and that was before the pandemic hit now I'm worried that if we buy right away a year or two or three from now, interest rates will spike, and we could be put in a difficult situation. I live near Toronto. Canada or the housing market is already highly inflated in relation to the rest of the country should I be worried? While Randall first of all congrats on turning your financial life around love hearing success stories like that so good job on that. So I'll start with my standard answer with the rent versus buy decision, and that is just pull up spreadsheet and compare the all in cost of renting, including what you could earn on the money that use for down payment versus the all in cost of buying including the opportunity cost of putting down payment as opposed to having invested as well as insurance and taxes and maintenance, and all that stuff and project, where you might be in five to ten years based on various scenarios on what happens to stocks, if you. Rent an invest the down payment versus what happens to? What you'd look like depending on where home prices go. Generally speaking. If mortgage rates go up, that could way down on real estate prices we did see mortgage rates. Go Up for a bit a few years ago, but the housing market did find, but you could certainly envision a scenario where rates went much much higher, making houses, much less affordable and prices would have to adjust. But I don't expect that to happen anytime soon. I think we're. GonNa have low rates for awhile, but beyond that I don't know I've given up trying to predict where interest rates are going or even paying attention to people who try to predict where interest rates are going, so who knows? That said since you live in Canada. I thought I'd check. In where rates are these days and I and I got a brief reminder that things are actually different in Canada so I did a little bit of research. And then realize I had reach out to someone who knows, I reached out to Canadian Motley fool analysts Jim Gillies, and he had some thoughts so first of all just for you non-canadians out there. It is really different so in America. We get this thirty year mortgage than we have the same payment for thirty years. It's fixed. They don't have that in Canada. What's the most common is a twenty five year? But only the first few years or fixed. And then adjusts so in that context you can understand why Randall is worried about interest rates going up because over the next depending on which alone he gets the most popular is a five year fixed, and then you basically have to go get a new loan probably. So that put that in context, a little more, but also Toronto, really is crazy expensive. Vs from the end of last year that put it as the most overvalued real estate market in the world behind Munich. As Jim pointed out in our call here in the US we had our housing peak in two, thousand, six, two, thousand seven, and then we had what he called a reset, which is basically prices came down significantly candidate and have that slight downturn at home prices, but then they just kept on going up, so it really is different there, so when Jim explain all this to me, the difference in mortgages and the difference in home prices. Frankly he was inclined to say to this guy. You Might WanNa rent for while more and see what happens, but he also had the good advice of okay. What if you buy in prices? Come Down Fifteen percent twenty percent. What if they come down to a point where he upside down? You owe more than the home is worth. Are you okay with that? If. You're okay with that. Maybe it's okay to do that. But it certainly sounds like dicey situation than if someone were telling me like I'm thinking of do this in Dubuque Iowa or something like that. couple of other differences. In case you're curious about Canada in the US. Your mortgage is portable in Canada south. You Buy A. Get the five year mortgage, but then move get to take the mortgage with you for the next house and interest is not tax deductible. US Look at you, Robert, broke? Camp Can Canadian real estate experts there you go. Next! Question comes from Chris. I was on twitter the other day and saw that one of your contributors Brian Feroldi tweeted that he doesn't believe in a long list of technical trading terms and then modern portfolio theory. Can you help me understand what not believing an MP? T with mean this? He believed that diversification doesn't reduce risk. Also every financial adviser I've ever talked to his preached empty, so I would love to hear the counterargument. Jason you're not Brian for all the. Question I am not Brian for all the do get the talk of Brian Pretty good bit though. I I must admit I. Don't know what he said here in regard to modern portfolio theory and all of these technical trading arms. But I think I can take a guess. Generally speaking I agree with them, and I think you could sit there and look up the portfolio theory in you know read about it as much as you want. Just go to google modern portfolio theory, and you can dig right in there, but in a nutshell ultimately, what modern portfolio theory is the intention behind it? It's meant to reduce risk while maximizing returns. It assumes that investors don't like risk. They prefer less risky portfolios to riskier ones in order to achieve a certain level of return so right there. I kind of kind of lost me right there because I don't believe that every ever investors risk averse I think some investors have a very. Healthy, appetite for risk, and frankly I would say I got a pretty high tolerance for risk when it comes to investing, made it just because of what I do for a living but I. You know to me I like having that trade off least unhappy. Happy to take some risks there. If I feel like that upside, it's going to be potentially worth. So with modern portfolio theory, it introduces a lot of fancy math in the form of variances and correlations in order to come up with this. Quantifiable, investing strategy that ultimately helps reduce risk while allowing the investor to achieve. Certain returns in. Maybe it works for some not I'm not dismissing it personally I. Don't use it, I don't personally subscribe to it I. Don't need it. I think honestly for us. In a really believe it's extends to to most people in our full universe is that is individual investors I think a more meaningful way to reduce risk. is to just extend your timeline like invest longer. So like Tom Gardner said a number of years back when we were. Working on Motley, fool one basically take your take the time line that you think you want to own any individual stocks you buy shares of starbucks and I plan on owning it for you know five years. Okay, we'll just double it. Cloning it for ten in all of a sudden right there. You've given yourself more time. Time is one of the big advantages we have is individual investors. Money managers don't have that advantage, Wall Street done generally handed abandoned, either, but if you can be patient and just invest in good businesses. That risk really starts to come down over time. There are plenty of studies out there. That show that risk comes down the longer you hold onto those stocks, which into me, just renders modern portfolio, theory, more or less not useful mean on things, not useful for everybody, but it's not useful for me and based on Chris. Question It sounds like a agree with what Brian was saying there. We think I'll add to. That is I agree that risk is really not that much of a consideration if you are saving for retirement. But once you are in retirement man, and just say like you know what the market's not I'm going to extend my time highs in ten years. Because you need to spend money in that situation, I think diversification is important. It's important to have assets that don't always move the same direction at the same time. For some fools. That's just as simple as keeping any money need the next five years in cash, so you're right out any ups and downs, and that can be fine. But I. do think it makes sense to have. A mix of investment so that right now, technology stocks are doing very well, and we hope that continues to do well, but we remember was that happened in two thousand from two thousand to two, and there were down for quite a while anyone who retired in one, thousand, nine, hundred nine, or so it was very happy to have some small caps value maybe a. A little international, some reits to ride out the storm Yeah I think we talk about that often like recognizing where you are as an investor in life, are you in the grow your wealth stage, or are you in the protector stage, because they are two very different strategies, and we're all hopefully going to be in both of them at one point or another right? I personally and still on the grow your wealth stage I. Think we all probably are, but you will at some point get to where you need to focus on protecting the wealth that you've made so that you can then have that money to spend, and that definitely will dictate your investment strategy things that you're invested in and whatnot. Generally speaking I do like the idea for people who are just risk averse and have this notion that investing is just too risky. I mean the fact of the matter is not investing as far away greater risk like not investing. You will never grow your money if you don't the best, so if if if risk is a problem, I think generally speaking. Along the lines of diversification idea that that bros. talking about him, he just invest in invest in SNP index fund is something that just follows the progress and p. you know you're going to be participating in and if you look at that over the over the stretch of time, their five ten twenty thirty years, I mean that trend does go one way. It, but clearly the older you get, the more you need to start focusing on protecting your wealth, and that will change the way you view things. Right next question comes from Alex from Alexandria if I buy Muny bonds from another state in my IRA. Is it still taxable and Alexander with who we have a bond on and we do have a bunch. I know Alex up super excited about having a bunch on in Alexandria to I can't believe I haven't been there. It's like two miles from my house, but we still haven't been oh i. know because there's a global pandemic going on and we. saw. Alyx if we buy me bonds from another state in my IRA is still taxable. Bro, help him out or her or so Muny Barnes. People Invest Immunity bonds because they're free of federal taxes and in many cases. If you're buying bonds issued by the place you live, they might be free of state and local taxes, so that can be doubly triply tax free. That's why people buy 'em. There are some times, however that if you own immune, abound outside of an IRA. Pay Taxes and this surprises some people. There's something called the minimum tax. If you buy immunity bond at a discount, and then it matures at par. If you buy a distress, Muny bond for like you put an eight thousand dollars, and you sell it later for ten thousand dollars as a capital gain. You'll be taxed on that. So, there are some times when you would pay taxes on media. Now, Alex is asking what if it's an IRA? Do I have to worry about paying tax interest. If it comes from another state and the answer is no, you won't have to worry about that. The only thing I would say is. Generally speaking immune bond already has built in tax advantages, so you wouldn't keep it in an IRA, unless there's the example of the stuff I was saying previously like for. It's one of those exceptions when him UNIBOND would result in taxes than you might WanNa keep it an IRA, but generally speaking. If you're going to buy Muny Bond, keep it out of an IRA. Next question comes from Boone. I just did my first. Roth conversion and looked at that old account for the first time in. There was the expected dividend producing fund I remembered, but there was a stock chesapeake energy that I had completely forgotten about since I purchased the stock in two thousand, six fifteen. It's down way down like eight point five percent off the purchase price. What should I do with it now? It's in a tax deferred accounts so I. Don't think the loss is realized until I. Start to pull money out of the account and that might not. Not Be for fifteen years current value of all my shares will be about one percent of the value of the account after the conversion. Do I sell in the very little value? I had left and depend on E. Trade to keep up with lost for me or should I hold on based on the slim chance. The stock will be worth more in the next ten years. Oil Stocks do act unusually on occasion, only oil stocks. Stock everything else makes that usually. Chesapeake has been really. Interesting Story to follow and frankly. I don't I. Don't know that I would look at it today. As a business that I'd WANNA own so typically if I. You know I think it was yet idea. Didn't sound like a position are actively building united investment didn't work out. I mean that that happens to all of us. We don't get them all right. We have a philosophy here at the full. A lot of do we like to? Water flowers and pull the weeds, and that's just a nice way of saying. Add to our winners in to get rid of losers in. This I think is more than likely slated to continue being a loser I mean. Chesapeake has lost a lot of value. In it does sound like based on when you purchased this, these is absolutely busted I mean. There there are all sorts of reasons to sell one of them is if you thesis busted and the reason why you invest in the company is is no longer the case, and I would he probably is the case with Chesapeake so to me like you know, you could sit there and let it go, but but what's the goal trying to get back to even, or are you trying to get back a couple of bucks for me a lot of times? I'll I'll take a little opportunity here and there to just go ahead and pull those weeds sell it. Be Done with it. In even though it's just unique out a little bit value there, you can still take that money and do something more productive with it. So. Yeah T to me. I can't tell you to buy or sell obviously, but I can certainly understand. Selling in this case, but I you know. As as oil and natural gas energy can can turn around. This is going to be one that has a lot of headwinds in in. You might be waiting a very long time to to get any of this money back. I point out here that I it seems that maybe boone has a slight misunderstanding of how taxes in aries work because he talked about realizing the loss when he takes the money out and trade keeping track of the loss for him, it sounds to me that he thinks that he can write the loss off whence he takes the money out. That may not be the case, but just to be clear. One of the great benefits of an IRA is you don't pay taxes on the gains, interest and dividends from year to year. But. One of the drawbacks is. You can't take a capital loss on that as well so there's really no no way to benefit on your tax return from this loss. Next question comes from Benjamin. You recommend seeing a fee. Only financial adviser for check in every so often I know there is the Garrett planning network and others to help find an advisor. But what questions do you ask? And what answers do you listen for when trying to find one that is worth his or her one hundred fifty to two hundred fifty per hour. So I would say start first with asking yourself some questions. What are you looking for? You could go for the whole launch. Lada where someone is managing your money analyzing retirement plan helping new save and a five twenty nine. Maybe even doing your taxes with some financial planners do help with the state planning, or are you looking for something more targeted? You just want advice about am I saving enough for retirement, or are you close to retirement? You're like I just WanNa make sure that I'm doing right when terms like choosing my Medicare plan and claiming social security at the right time, so first of all just be very clear of what you're looking for. Then if it involves investments in any way, you WanNa, make sure that you find someone who is at least in the general same area philosophically and I say this, because many financial planners are hardcore index. And if you come to them as a motley fool, listener member with a lot of individual stocks. They may say okay. I'll give you some general asset allocation guidance, or they'll say I don't care if you like to pick. Stocks are not my advises, sell the stocks and go to index funds, so you want to make sure that if you're gonNA, ask for any sort of investment. Advice that you wanna find someone who's someone somewhat at least aligned for what you're looking for. Once, you've got that then. Just asked some of the typical stuff. You might expect so credentials certified financial planner. Are they a CPA either their personal financial specialist. How long they've been in the business. There are lots of people who. have not been in the business very long. Even though they're not young people, a lot of people choose financial planning as a second career, which I think is great, but just because someone may be look like they're in their forties or fifties. Sixties doesn't mean they've been in the business that long, and you WANNA. See if they've worked with someone like you right so if you have. Maybe. You have a large amount of wealth large income huge portfolio. You WanNa make sure that they have experienced with dealing with those issues, but on the flip side to if if you have, are you know middle income, decent size portfolio, but nothing too complicated. You don't WanNa. Go to someone who's used to dealing with someone who's wealthier partially because those people charge a lot more. You want to find someone who's kind of a little more lined up with what you're doing. Then make appointments with three folks. All of them will do get do free. Get acquainted means, and you're just looking for someone who you feel comfortable with. Since, you mentioned Garrett Big Fan of the Gary Planning Network and other is is not for the National Association of Personal Financial Advisers. But Garrett on their website has a how to choose an adviser section. Just Google attitude visor Garrett Planet Network has a great chapter from a dummies book that they wrote about how to choose adviser, and they have a good questionnaire that you can print out in US asking lots of good questions of financial planner. It's tough. Choosing a financial planner like my mom just went through that Bro! Is You know and she didn't really have a lot of options in Boise Idaho. Maybe two and one of them, she I never called her back, and never got back her, and the other one was just so busy just so busy, and just she just never. It's it can be rough. Finding a financial planner can be I. Think what we'll see is one of the consequences of this. Of the coronavirus pandemic. Just, like we are all used to working from home, many financial advisors and financial planners an now working from home. So in what they're doing is they're becoming licensed in more states. So, if you are more comfortable, working with someone over zoom remotely I think you don't have to stick with someone in your area. You can go beyond your locations, but you know some people don't feel comfortable that if if they're going to have someone managing their life savings, they want to be able to meet them in person. That's just a personal choice. All right next question comes from twitter. Is that right from sully what I hear? Okay? I just listened to the episode mentioning Your Weakness Two. Shopping carts and Tj, Maxx that me or you Jason. Accused me. Thoughts on the stock. If I had a war on Amazon, basket would be Costco TJ maxx Home Depot tractor supply. What would be your basket against online retail? That's funny. Well okay, listen I wouldn't have basket against online retail, because online retails where it's at. The whole idea. The whole idea behind the basket approaches to find a long term trend that you feel like the world is headed toward and so the war on cash basket, for example that was always one about people using cash war, traffic payments now with that said I get the spirit of the question some going to answer it because I do like some of these ideas. And I I would definitely include Costco in their in Home Depot's well. Home Depot gets a lot of my money. Doesn't, but they have a very loyal fan base of customers that just are happy to renew year in year out. So I love those membership models there, so costco and a Home Depot for sure you know I'm going to give a little shout at my wife Robin I. Know that she would approve of my adding target to the mixer. She hasn't been raving about targets APP and ordering on the APP the able to go to the store. Just pick it up right there I've talked with Ron Gross on more than one occasion about target and how this really has. Become a twenty first century resale right they're doing. They're doing everything online and in physical stores. What they call Alma Channel and then my fourth and I'm GONNA. Take this. You probably aren't expecting this when Alison. I'm GonNa Shock and all you. I'm ready. I'm ready Alta. We're going. Make up my I know my daughter's love. It ugly ugly Mug like this. What do I know about makeup? Tell you what. Get! A House with two daughters and a wife. That's what I know about make. There's a lot of it in an Ulta is a really really good business. They actually have a very nice diversified revenue stream. They've got the salon a`dynamic of the business which encourages people to go there they do have an online business. They have an augmented reality function there at where you can actually like. Try things on makeup to see how it looks. Mary Dillon just a phenomenal other adults of that's my fourth, their Ulta but they I appreciate the spirit of the question I like the idea I'm not saying this is the basket. I'm not tracking this basket in a not a not backing this basket, but in the spirit of the question if I had to develop. A basket, such as this one I think it'd go with those four. Yeah, I mean I guess you just have to think about what retail out there is something that you would still physically go to. Because the actual retail experience is being in the space is the experience and what you're there for? And I know I mean before Corona virus we I would go to target and just just couldn't believe how much money I had spent from walking through a few of the aisles. TJ Max is just a phenomenal business I mean what they've done through the years. Is really capitalized on the nature of the business, the advantage they have in that treasure hunt kind of nature like you go to TJ Max, maybe not necessarily looking for something, and then you end up finding a lot of things, and it can be a little bit lumping at times, but but generally speaking like management's a very good job of running that business, and they know how to exploit the advantage of experience. I think they're online game. Though I think they could probably get something going with online, and they just have not have not yet and so I. Haven't since Corona Virus for example. I haven't spent a single dollar there, but I continue to still shop at. Home Depot I. Think Yeah! We still shopping at home depot because we're doing. You know you gotta buy lumber somewhere. And I know my grandparents out in my my inlaws out in rural Virginia. They love tractor supply store, but that's not. That's not in where we live, but. Still New deck at the house there allison. I mean you, can you see? A big exposed beam behind me and some drywall work that needs to happen. Have lots of drywall work that needs to happen now though. Yeah Anyway get to that. All right next question comes from Matthew. I got married to my amazing wife nine days ago in a small Kobe nineteen wedding in our front yard after we postponed it from its original date in April all. It was definitely different, but still very special. My question is in relation to this wonderful event. My salary has been at a level that has allowed me to fund a roth. Ira I love the optionality of it, but after marrying my bad ass, wife are combined. Salaries are now over the limit that would allow me to fund the Roth. IRA does this affect occur immediately? Do I need to now open up a traditional. IRA and begin funding it or do I have until the end of the year. Matthew wants a Roth Bachelor party one last. Well Matthew I have bad news. When it comes to most things in taxes, your status and your age and things like that depends on where you are on the last day of the year, said if you're married on the last day of the year, you were considered married for the whole year. So that means if you contributed started contributing to a Roth IRA for twenty twenty. You need to call up your brokerage. Firm and re characterize that as a traditional. Now don't have any other traditional IRA, as it's very easy to do the back door, Ross which we've talked about before you can just google it or even when you call the brokerage, just say I want to do the backdoor. Roth and they'll tell you what to do. If, you have other traditional IRA as you can still do. It just becomes more complicated and you'll probably pay more taxes. So you, but you may not be totally out of luck and I should say that's only if you have a traditional IRA doesn't matter if your wife has traditional areas. One exception by the way of of what I just said. In terms of tax status and last day of the year is distributions from retirement accounts before it's age fifty nine and a half, you actually have to be age fifty nine and a half to avoid that ten percent early distribution penalty, unless some of the many exceptions that are out there exist. Right next question comes from Warren Warren Buffett. Maybe I don't know that's why I was thinking. He's asking about coq, so maybe maybe. Once James Opinion on coke. By? Or hold? Wants to now. I'd give buffet night give. Kiesel Warren of the same advice and I would say. For some I'm not buying it. Not Buying it I'm not holding it if I own it. I guess that means sell it. Even Atlanta Georgia person like you i. feel like it's almost sacrilege. I am pretty close to probably not being ever even invited back. But the facts are the facts. Okay, I mean you do have to look at the stock itself has been ain't bad stockton for the last five years. I mean I do understand why when you look at it what they do, I mean they have. Four hundred master brands, and less than fifty percent of them are the big global brands that are actually responsible for almost all of their revenue when I say almost only ninety eight percent, so it's a business. It's very reliant on on. You know a small portfolio of really successful grants. The problem is now. We've always talked about cocoa beans such a great distribution story and that's true. They've got a distribution network. It's just phenomenal, but the problem is now. They're what they're distributing is is being seen as not so good for you in so you're seeing them. Have it into to essentially pivot away from what you know brought them all of the success for all these years. Years in soda and that that's not going to change I. Mean you're always GonNa have people to drink soda? People are not to drinking as much soda going forward in the numbers of just kind of the kind of shown that through that through the quarters in the years of Coca, Cola and Pepsi Pepsi. Has the salty snacks division, which I've always been very. Impressed by I, mean I love a good Cheeto, and so I mean anytime you can throw a bag of those cheetos in my Patriot Amok GonNa, turn it their coq. Interrupting, but I think this is also very important point. You tried the Jalapeno White Cheddar crunchy cheetos. The White Shit or so. I've tried to Jalapeno ones but I've not seen the white Cheddar White Cheddar Jalapeno crunchy cheetos. Don't get the puffy. The poofy ones are not as good, but the crunchy white Cheddar Jalapeno Cheetahs. them by them. They're amazing. I have to back. Pain you. I'll get those next time. I promise I, mean Eh. One. crunchy wants the puffy ones, so that people won't you're not? You're not seeing poopie. Who using poofy Joe Copy? We'll be Coca doesn't have that dynamic of their business. They don't have that dynamic to their business, and they've suffered from that Pepsi's Pepsi's outperform coca-cola over the last several years. It's not safe. Pepsi or coke get it back. I'm sure they probably can. But what I am saying is I think there are a lot of better ideas out there, and so I wouldn't be putting new money into Coca Cola and frankly if I did own it. I probably would look at selling it and you know if you've got a beverage company, maybe own starbucks. It seems like the science coming out in support of coffee, right? It's coming and telling you that these sodas. They're gonNA. Make you fat. Coffee, it could extend your life. It could help you live longer. SMART Mexican looking this a starbucks as well is. That sounds like study from the copy roasters of America. Do! Something that Chris Hill sent me the other day. that. We sleep at night. I'm glad I've been drinking coffee as long as I have God knows what I would look like otherwise. You're a good looking man. Rick. good-looking next question comes from. A. I'm trying to save money for my kid's College. Fund while the five nine is a great option. I'm limited to investing in mutual funds, which means at best I'm going to get what the market gets assuming I do some sort of low cost index fund and I be a capital F. Fool investor have been doing much better than the market in the last three years of being a member of. Of Stock Advisor Enroll breakers, even during this pandemic mess by listening to every full podcast and following David and Tom's and yours and every one else's in the full universe. My portfolio of about one hundred stocks is up here today. Thirty percent to the market's down five percent as of day as of today weighed down by three sluggish five to nine plants that are also down five percent each. I feel like throwing away money by using the five to nine, and not being allowed to select my own great companies in which to invest. What's more, my understanding is that the five to nine does not count as an asset for the kid when applying for student aid, but the coverdale does. So I come to you with a simple question. Can I have my cake and eat it, too? What if I wanted to use the coverdell to buy individual stocks? Until the child is nearing college? At which point I then converted to a five to nine. This allows me to get better returns and avoid it being an asset for financial aid and get the favorable tax benefit. So, chose this question, because first of all Dune does a good job explaining the benefits of the coverdell over the five twenty nine, you can buy individual stocks. You can buy and sell them all day long. We recommend that, but you can. Whereas with the five twenty nine, you can only make two changes to the investments a year, and it's all mutual funds. So. That's you did a good job of explaining that. I will point out with the coverdell. It's gotta low contribution limit of only two thousand dollars a year, so for some people save more for college, but they can max out to cover it out, but then put the rest in a five twenty nine. One thing that doomed does not have quite right. Is The financial aid treatment the financial aid treatment? Coverdale's and five twenty nine is identical. They're treated as assets of the parent, not the kid that is favourable from a financial aid perspective. It's not negligible doesn't mean it doesn't have any effect on financial aid, but it's better than an asset that is owned. By the kid. He can. Transfer money from the Coverdell to the five twenty nine. If for some reason, he decides to do that, but you can't transfer it. The other way around so were convinced to try out the covered. You have money in a five twenty nine. You can't move it from the five twenty nine. To the coverdale. What other interesting thing that he pointed out is that he is doing very well with his investments, and he owns about one hundred stocks. We get this question a lot. Either on the show, or on the full live that we run every day for members of full services, and that is how many stocks should I own, and if I owned too many are not just owning index fund watering down my returns, but here's an example if someone owns a one hundred stocks is still crushing the market. Idol last question comes from Cameron thoughts on the valuation of Stone Co in light of the corona virus for a fragile country like Brazil. This could be the tipping point after so many other headwinds. But how does that affect stone? coz Business Jason I. Don't even know what Stone Co is. What is still business? Yes, don't Coz a payments company that's focused on Latin American markets in Brazil and particular in so I guess it could be. Draw you can draw a parallel to to a with square through pay pal at, but generally speaking I mean it's payments. Company focused on Latin America. Primarily Brazil. Is the big money making market kind of like Marco Libra, they're. In I, I, it's a it's. A NEAT opportunity, gained a lot of headline recently, when and it was, it was seen that Berkshire hathaway. Warren Buffett's company Berkshire hathaway taken a five percent position in the company, which is pretty considerable i. Think in the near term. You have to acknowledge the fact that. They're gonNA, be some real headwinds in in Brazil particularly because of the pandemic I mean. The flip side of that is role in same boat kind of in that regard. The entire world is dealing with it, so it's not specifically you know it's. It's not particular to one economy or one country some. To get hit harder than others I, do feel like Brazil. Be at a place where they can recover from this given You know some of the other businesses in the area. I mean that that that I think is. Who knows ultimately how? That's GONNA shake, but generally speaking. I think the move away from cash towards cashless. Transactions in and financial software that's not stopping if anything, this hastens that which which is what I think, Cameron's talking about there and for a company like stone. Co, neither are other companies in the space pags bureau in roquetas libra to but you know moving money around is a big big market opportunity, and there's nothing that says they won't be able to expand well beyond the Latin American markets, too, so I I'd say cautiously optimistic I mean I
My Secret Hack To Increase Your Webinar Conversion Rates
"Right. The webinar fuel Webinar the Anthony. More so than I did really recently. In fact, we tonight for the time you're listening, but recording this day could be week or so. By the time you listen to this this episode, but basically happened. We came in here and we did the web and so. It was a little ready firing. Things was like we planned this to be in a month now a whole month launched and we said No. Let's get it done quick. We gave ourselves like three days. So that meant is like number one which was Monday creator registration page and promoted it right ID number two, then I created the slides because I could which were perfect, but they were Kinda. Good. Day three finish slides, and then we went live, and it was just chaos because we had over ten thousand people registered. We have I think. Thirty five, hundred live cutting, it was chaos so a lot of fun, though and we did the Webinar and overall, the Webinar was awesome. Crushed it sells converted really well like everything was was awesome with it, but the right three or four spots that I could tell them work right right that we miss something. Looking back at the questions that people smit afterwards like they're missing this gap, and the urgency of the scarcity wasn't right in the bud. Things were busy. In fact, it's kind of fun todd. You know I co Co founder and partner Todd. He watched it, and then he messaged me he's like Russell you've messed up. You've heard about this and this and this and I was like house taught. Teach me webinars now, but it was actually really good. It was some of the most of the key things that we didn't click funnels to increase conversions and our webinars and I forgot about it. I was rushing to build these slides out, and so basically was was. was there there was no. There's no urgency in scarcity couple things. If you've ever gone through any my my deep webinar training. Talk about how in the offer stack you want to introduce constraints so later in the stack you can. You can amok was restraints right so what I saw what the thought was instead of saying hey. webinars unlimited everything was coming and saying. Hey, you get a you know. There's going to be limited at twenty twenty webinars. You could build hundred thousand things like that, and so those constraints people nobody constraints with okay, because still pretty good, and then at the end of it like the bonus. These people now say hey, those who get started today while we're live. We're going to release these constraints. Instead of having twenty dollars. You get one hundred or unlimited so this you're going. Get this you can. kind of break things out and so it was cool out of that is. He told them I was like. Oh, my Gosh, she's right and right now were Brandon Fisher on our team. Is that rendering the Webinar and getting it ready? All sorts of stuff like that and say wait before you render the final version I needed record. Some clips ran back to the office. You know it's nighttime now we're. It was the morning or during the day when you. Turn Lights look as close to possible deal before and came back and I redid three sections of the slides to introduce constraints, and then and then only. Restraints by making unlimited offer in. Record those three things quarter part one part two part three brands going through editing it in and then anthea for weight increase with three bonus record right now and then. Brandon said that in taking this presentation, they did really really well, and it's like what are the Holsworthy gap? So could you better and recordings weaving in, and it's really it's really powerful if You badgen light. River. This is probably a horrible example, but it's taught by. Hand is probably tired now, so but on on Seinfeld where it's the time where George's with his buddies and they're. They're They're making fun of him. They keep ripping on him and and he has come back way to stores, comebacks and just work, and so finally he up with the perfect comeback. He's so excited in the comeback with something like. The jerk store called, they're out of you and everyone's like trying to give me a horrible comeback. You'd better come back in. And then he put himself the situations where he can use his comeback. He's been waiting for. It's like this is the perfect comeback. It's GonNa. Crush everybody, destroy him, and and he kept setting finally came back and someone said you know the thing is like the jerk store. They're out of you. You and kind of bombed, but it was funny because he knew all this was lying. If I had this line that would work perfectly and think for for us like the reminder. It's been a while since I've done something like this, but it's like wepener. Overall was given a couple of parts like if I just was said this just had this piece. It would have been perfect I forgot about it and so. This gives me the billy and Tony, this news well have the recording. That's like it's done. It's good, but now I know where to go back and recording him and trying to record it with the same energy level trying to record it same situation close like an so our video editors can weave it into the presentation, and hopefully people notice they do notice. It's such a small thing that's not going to stop them, but it adds in these things that change
Twitter Will Be Fun Today - The College Kids Who Hacked Into Twitter
"Today's guests. His Hip Awan CEO of Afani. Secure and private cell phone service locum his Heeb. Thank you Laura for home. You'll show. You were one of the investigators in touch with the young people who hacked twitter last week and gain control of prominent accounts, including those of Joe. Biden Obama Elon Musk and others as well as those of crypt companies like coin, base and finance, and when they had control those accounts, they were soliciting bitcoin from twitter users. How did you get in touch with the hackers? So Laura be in like. four-time itself, so then after I was so pissed off that angry that I said I need to solve this problem, and so I've entered into a form that relates how they have those accounts holiday getting pretty much all the ring of how they operate so. When you say that they had had your twitter account, nor they have my Sim Sark four times. Okay, and when you say Sim, swaps just described that in case, listeners does up. Does improper pretty much. What happened is like someone will take the form so the underground market like think about Ebay, but like I knew democracy with information. So you said your name, your information social security number your call logs your life, your life, location or anything on you. If I say hey, I need to find out for Laura Shane telephone number, and they'll give me telephone number will give me a call loss to give you. An everything comes through telephone numbers of numbers unique, and then if I say. Say Hey. I need to take the phone number 'cause I need so they will just prophet abuse him that I control, and I need to pay them few hundred dollars now. Your formula not work anymore because I had control of Sim card, so then I use that telephone number to get into a g mail, facebook and twitter, so if you go on twitter, new likely rescinded to email our number. If it's telephone number you've got. Someone's adopted very common technique deployed across US for a long time. So. The twitter hack twitter said that their employees had been socially engineered, and that's how these hackers gained control the systems. Are you saying that? Some twitter employees have their account. Sim swapped like how how does that you or Simspon tried? These people relate to the twitter Hack Greg? You wanted to ask me like how to get in touch with them so I'm trying to understand. You, that of analysis himself, so started going into the industry into this form than trying to see how they operate and to Dodd funny, so which will provide the made acadia that probably that cannot be Simpson's. That's what we did an offer that. VINCI START GETTING customers. Have you would actually getting a lot of attempts to do so? You would getting Dempsey pretty much every week that someone prior to himself or customer, trying to like hack into our system and mend the failed. I got in contact David Mayhew call, they would email method you and they will do all kinds of attacks. You know they'll try to let pen to pen tests. The everything did and obviously in one of the cases restocked immunity stopping messing around it right I know what you're up to. And after I got in touch with him to signal and author that the lake. Not I won't say that become a friend, but I told them why you're doing this. Thank you know you should not do this multiple hackers and they said okay. If you don't have anything to do pretty much, does it okay? Why don't you get a job? He said job, and then they start feeding the all information to proved at. Legit than a lot of information and how I was getting information from a lot of talk of the vote. And when it all this happened that you got in touch with him and had it happened late four five months ago. Okay They were diverging to me not just for this hot, but for other purposes to ride like a kid discount. Lot of databases beach everyday, so they wanted to see that a hey. If I'm interesting in the database, just wanted to work pretty much. is not money. It's also about ego that they wanNA prove something that they would do something so. So Mike Context for not hacking, but they'll be into the songs that they had access to. That follows A. Up I didn't want to. Excessive today were passing me. Hey, today. This is for sale to do sports on tomorrow. This person's so on the deal stood attack. I got a message that will be fun today, and when this message I thought he'd be like a distributor barks. Like scam scams, and but after why? That's all the kind. We got attacked ten. Finance Accounting Noble at depth one time. I taught that it's just a third party API like you know you have like you know where your schedule. The in everything I thought that may be compromised, and that's how they got author. Riley said No. We have everything. A screen chart I tweeted screen shot, and after that is blue. Well and so, who are these people? who were the people involved in the actual twitter hack? The difficult to identity like frankly I don't know I can speculate, but obviously because someone security and privacy I don't want to speculate but I can tell you wanting like college. Kids are maybe like someone between eight, eighty, twenty, one, twenty, two, and they are video gamers. They'd metaphor armed, and they found fascinating for them. Dislike a game like you go into video game on you killing you do stuff for them. It's like that. They, probably living in some way or radio patterns right now in basement. Who does not even know anything? and. They just do it for fun. Obviously, money's there, too, but most of fun for them is just a today. And so originally. The way you got in touch with them was they were targeting these different cell phone accounts, and what does motivation and taking over the different cell phone accounts so for account you can actually to when people take account, they can actually destroy you financially emotionally ended up recently, though by financial I can say they can get into your county bank accounts ticket by Tiptoe through that they can buy a lot of levels of securities financially they can do. obviously going to facebook in an email to, and then they donor all information from your facebook, and then they start blackmailing you that. Hey, likely when a lot you have done this like you know you have this. And you have to pay me this information out there and a lot of people would have to pay them the money because they don't pay the money. They looted operation right so and then third party. They just become Parson Mike is the word processing me. blender used to take my county new. They cannot get anything, but they wanted to talk to me. Just fun for them like people. Some people are sick. Like how did they pick you out of all the different people that they could torture also the league, if not just me like everyday hundreds of people to get them soft, though I'm just one of them on average, every second medical become victim of since up, not himself but cybercrimes so. But I had the impression that this was primarily targeting crypto currency people, but you're saying it's any bundled nor I think eighty percent of people who was himself to an entrepreneur L.! And the new in the cases of those people is it like personal vendettas that they're trying to? You can make more money by a hacking Lord cell than anything else you know. is one thing but Lloyd is like one number one target Loyd and has professionals league doctor medical doctor then. In Lord other number one targets in suffers, and what is the motivation for targeting lawyers Don. Money don't happen. How do they monetize that Yeah, so I tell you doctors, basically busy less tech, savvy and rich. It's that easy to find out any doctor information. You can find out who the best doctor in the city and you consume. Stop Him. And once you get into that account, you can transfer money between accounts who can be that people have been? Going into the count, Simpson calling the bank making via transfer, and then just checking accounts. That's pretty common. For for doctors to clinics have a lot of money. If you'RE GONNA clinic, instead he did even like five hundred hundred million dollar distorted the front because Alaska. Election for them. Okay, so let's go back to the twitter hack. They were some names that were identified of people who are involved these names. In The New York Times article that quoted you as a source one was kirk. There were some other people ll and ever so anxious. Who were these people? And how did they know each other? So they don't. Know the Best Birdie. They just hang out on rooms like chatting channels lake similar people on developed talked with you. The pirates channels. We had people a go if they WANNA have information to the document industry for finding information. If I want someone associated Gordon dissipates on one. Don't get call for these people trade information. And you asked about like a leg. Imagine your lawyer and you are fighting for my open kiss. We begin go to the website by that long since he will. They are who they're talking to the day can. Make some delays on them. That's one thing but other than that. These people are just a game as they would play like you know different video games and kick the die, who was basically a source of the rate industry rock says they'll be extra agents, and they are in room for longtime and David. Obviously you want you want something you don't trust the new guy. The new guy who is basically the main culprit punching the entity because multiple reasons, but the main guidance, the just which had A. Reputation. If you say you want a username of Laura at Laura, Shannon inactive. You may not trust kick, so you can do this. Middle Diane Tell Them Hey, can you hold the money for because you have a good relation? Because like Ebid forums generally have a petition systems. You know so then you ve into this guy like you know every inch it He went to care. Concur depended he the credit employees but I. Don't think he was employees. And, then he gave him the concert start building. So this is just a middleman. He was just broken deals. You tell them what you want. He was just keep his car and transfer the money. The is completed that fall. And so so kirk was was saying that he was a twitter employees, but as you said, you don't think that he was, and he was essentially selling valuable twitter accounts, and if people didn't trust, Kirk, they would use ever so anxious as their middleman to get the different twitter handles that they wanted. Is that what happened? That's correct. Good Gig, only unharmed on in July of. July it was very recently. that. He actually came so obviously not trust someone admit. That soon. July seventh in the New York Times article are. Limited okay, but all right so but ever so anxious. How to longer reputation and. And that was who people are transacting with. And so then. How did BITCOIN come into this? All. On these things happen through Bitcoins, so the way it started was they were selling. This twitter handles four bitcoin and then later. How did the scam change? So I. Personally is what I personally think. That kid was in touch with the employees who was giving these accounts. For a few thousand dollars. And then. Either bribed him. Architects. Social Engineering Him. Legs because like hey can do. This is my. This is purely my speculation that you're working for so long. He warned the trust. Any may have said Hey, can you log in forbid I wanNA see how it looks like something that he made it something so the guy is pasta on. Hey, just do it, but don't do anything crazy. You Know Butt kicked. Decide Okay, man I can just go on or can also go online with I can do it I can. Can also go on like you know. All those accounts crazy. That's what I okay, but you're just speculating. You don't have any proof that or or do you know what? I don't have any proof of that I don't approve. Have critic probably do it? And Kirk? Is probably a guy called coup, which is on a farm for a long time, so he speculated that he someone that was in the industry for wide, but not. Approved that. Kicked it, but from all the action than everything it all points to cook. Irene so in a moment we're gonNA. Talk a little bit more about what happened. Exactly I, in sight, twitter and scam, but First a quick word from the sponsors who make this show possible. How much in fees are you paying? CRYPTO purchases now crypto dot com as waving the three point five percent credit card fee. When you buy crypto apart from crypto purchases, you can also get a great deal on food and grocery shopping with crypto dot. COM Get up to ten percent back when you pay with their. Visa Card no card use the crippled dot com to buy gift cards for up to twenty percent pack download the Crypto Dot com today, and enjoy these offers until the end of September. Looking to connect with thought, leaders, innovators and blockchain enthusiasts welcome to T- forum a weekly virtual series about all things tasers. Equal, feature presentations about the latest advancements that healthy ecosystem grow together. Interested in speaking at t quorom, submit your presentation ideas and the tasers community will vote on who comes to the podium next sign up and learn more about the virtual series at t quorum dot com. Back to my conversation with his Heeb Awan. So, we don't know exactly how. Kirk got into twitter's internal systems. However Once. He or she did then what'd he do or or she do with their power? So. Kirk than they went to buy I think. Start with by notes I'm coin base. And the see your finance and he made it account Egypt first of all. What did it was did with other? Account. Okay, which means when you log in, it asks you to do a second type of security, which is hopefully. If you're in the crypto space, you have used something like Hugo, authenticate or key, and you're not using text message based second factor authentication. Where they sent a code your phone because otherwise if he gets swaps than than having no. Buyer so. Removed that and then keep going good thing. They added wall a secondary second. You know Autodata so now. I'll give example like you have my username seep, so they moved to a FE, and they're also removed. Jane, Email. And then they. Did possible reset. So the new email guard, the chain deposited garden the account. and. tweeted whatever they wanted. Well, and what were they tweeting? So, they were tweeting that you know. About Co. Ed Nineteen I believe like you know because of Covid, we like helping people. I don't remember the wording. Health Has Something and they said Back. And this is video any comments in YouTube. Actually they were so good that frankly sometime I get like you know Oh my God like the able to make it like a secondary thing. That's real you know and like, but this happens pretty commonly, and and it's happening for almost two years now i. It, really is the kind of thing where people think it's real I honestly. Had created a question for you, which is who are the people who are savvy enough to own bitcoin and know how to send it, but not savvy enough to spot. What to me seems like an obvious scam. Actually went on the Internet and are tweeted out this thing same thing I said like who are those people who can have sophisticated enough to buy Bitcoin, but knowledge to. Send. Bitcoin but I think leap Dick's everything. Like I agree people think okay. Let's give it a chance. You know it's like a lottery ticket. You know people may be, but they think what if this is true and other than that. If you like an must happening there, actually flaunted, be efforts on twitter. All the time with people are donating money on twitter, but they don't ask for anything they say hey, can you give me your Alfred Egland who this every day, so he will dollars to off fifty dollars for every person everyday. You'll say. Retreat this. I'll give you this money. So this happens right now and obviously As hit audible, read like you know when viewed come in people, people forget everything that you know. We have so many Ponzi scheme like so many scattered that happened that exist today could if I come to unity Laura investment scheme, which is a pretty good you know. He hit all the MACHIDA. But it only gives you five percent. You may not listen to that. Say Hey, Lord the Child who may tennis money tomorrow. You may skip everything. Cocaine is thousand and ten dollars tomorrow. Okay I'll take the risk from doing that. Hopefully I'm sure my listeners are savvy enough to know if it sounds too good to be true. But people do that I. Think I have estimated that around like maybe I. Just in this journal given us cam like. He put a lot of tens of millions of dollars and well not last week, but no, not over time overtime. Yeah, yeah, we'll be sending money, so there are enough food. I guess yeah over I mean for last week. The hackers did net about a little over thirteen bitcoin, which was about one hundred twenty thousand dollars, although analysts said that about twenty, thousand of it seems to have come from a suspicious address that they actually think controlled by the hackers to kind of make it look like this was legit and people were actually sending money. But then also by the way they could have netted more. However, Cuevas said that it did prevent more than one thousand customers from sending about two hundred and eighty thousand dollars worth of Bitcoin to the twitter hackers so oriented, so let's talk a little bit also about just what happened in twitter which was? Twitter blog posts. Hackers a targeted. Thirty accounts for forty five of those they reset the password and sent tweets from those accounts for eight of them. They actually downloaded that counts data, and then for thirty sixty legitimate direct message inbox, including one elected official from the Netherlands, and it was who. What do you think they could do with such information? I think it's A. Black, man that I've been talking to you about what happened with sin sopping. Let's think about it if you have first all that fool Phoolan that why didn't put? It wasn't like planned. I don't believe it was just like in the move in the heat of happened. BANDAIDS slaves. They clearly guy who just got drunken pretty might do everything but I think if you have access to like anyone, social media, proper social media like I have been I've received. Messages. And I but I don't believe that I think we have forged around. Believe the electoral, so, but if you have someone should media that maybe confidential information that can be misused by Stacey when leg if you do about it on dedic messages, a you know that's not confident that even with the journalist visceral broads. You know so I. Don't know who the information was. What fast, but that's video very very concerning and I believe this may happen on facebook or other social media from his. Because to same. Attack Factor. Yeah I definitely think that this is. One of those cases where it makes you want to just use encrypted social messaging APPS. Such as like signal or something, maybe what's up? So, let's just also talk a little bit about what we said before about how the hackers were able to remove two factor authentication on these accounts. Well, actually what they did I was. They changed the email address. And then the chain Laras Oh, actually bid on a there was A. There was an email. There was a blog post by somebody who had the at six twitter account, and they said they believed that the hackers change the address, but that when that happened, it did not send a notification to the original email address, but not I don't know if this person was surmising, you know six hundred interest in history, those belong to a hacker. Their the community of Hackers Gobi Twenty six hundred. That's like a court for hackers right. Not a quarterback, just like community for hackers and you were the hacker who ended up homeless anywhere. They will do attack into I think he would to. And he went into multiple you as homeless, but he was a hacker. And oxygen community belong to sixty name. Is this secretly off? I believe his name. And, but yes, but I think the first drift was removed and then. moved. To the letter. Control of it now thought it was the reverse, but either way. In Like for any of us who are in the crypto space who have been? Keeping up with our security and using things like Google. or UB and avoiding. Text message based to a or or any kind of to a based on our phone number. What? Can we take away from this like? Is there any advice that you have for Crypto? People on how they can protect themselves if the services that we use have loopholes like this. Let's not that'll be biased in obviously you know. Will. Finding here, but that's what we do, right. We work, but a lot. Actually I am surprised at how many a compromise them security argue out stocking some customer yesterday and they do You know an extra seat is probably the most I can tell you I know. We are making like a faces, but at same part exit. She's most prominent used offer manager for probably ninety ninety nine percent of the word. What would you recommend instead? Use a password manager, anything manager pretty much everything in the top five six. It stood, you know. Don't cheat on family plan. out on like those like a caveman. This company go with a better company. Even if you don't go the final leg, that's fine at least hell better company like Dourthouse I'm plan because no fan mace. You make you very vulnerable to now you're putting your own life on risk, but everyone who is in the time is. You know and the third party. Don't give out your telephone. Number molasses everywhere. You know like. Don't go to like you. Know have different email address if you want to. And you let you. At Google. Authentic get off your. There's something at one time I have statistics, said ninety five percent of people who are like major changes. Do not have to a fait. Sms I'm talking more to a and I think ninety nine percent of those are what you estimates to say. The people who've been additives Everyday I have started I deal with at least two or three people who get up everyday and came and we had some of the to affair, and I can get into that lot of people into the spark that they were not believe enough not to change it. please. Don't please don't be those people, but I can tell you like I've spent people and I said do this. Man How much time did it like five minutes six league. Logistics you Donald and APP, you know. have to familiar face. You know if you are very cautious, taken for a number, but I can tell you that Khomeini would make this mistake. Ordering will end and it you know, and in the end I did lose industry learn. That's was part. There was still use the same SMS to a fait. The dating did not happen to them. Again happened again. Because if it happens to once, you become more, you know your motorcycle getting out again. If they have found something and something, they just do for fun, and and you know what I because obviously I'm. Biased in a way that the. Customer. Time I've been a victim four times a feed Logar they can. What would you do? Please please please setup. SMS elected more music episodes into gear and please get family plan these I. Know You're saving their ten twenty dollars per months, but in the end you know if you call it a, it's like insurance. You can live without insurance to. But like you know. The one day you need insurance when you need it.
Are Amazon ads worth trying?
"Hi, Chris, this is Laura from Pittsburgh and I've been listening to the show for a couple of years now I've been hearing about ads on Amazon being an alternative to expensive facebook. Google ads is true, and if so, what do I need to know? I shop on Amazon Dot, com almost every day and I've noticed that they've started showing more and more ads. I did some reading and it looks like anyone can pay for these ads just like with facebook and Google. It also looks like are a lot less expensive and less competitive. At least for certain categories or items. Is, this true, and if so, what do I need to know about it? Hey Laura, thank you so much for listening challenge. Everybody in Pittsburgh. Okay so lots to talk about here. Are. They worth trying. Yes, they worth trying. Also first of all. Is it true that they will sell ads to anyone? Yeah, of course. facebook and Google Amazon all these companies I. We'll make it very easy to take your money, so they're not concerned about the effectiveness of the ADS. They're not concerned. Waste your money I mean they're happy to take your money basically just like any good major corporation. And you're correct as well. They're showing more and more ads these days. As whether they are less expensive and less competitive than the ones you see for facebook and Google. It really does depend and a lot of categories. It's not less expensive. It's less competitive, so it might be for certain categories. It might be depending on what you're selling. But that's the kind of research to do. Once you start getting into that specific product you're selling and once you start understanding a bit more about how it's marketed, and who your customers are, and where you can reach them all that kind of stuff, so categorically speaking. It's not that Amazon is going to be better cheaper. Necessarily so unfortunately, it's not just like a goldmine sitting there that you can go and spend a dollar and make twenty dollars every time. Now as for whether they're worth trying and such I. Mean anything is worth a try. But you know just like any other form of online advertising. People lose a lot of money doing it, I know an author whose publisher spent twenty thousand dollars on Amazon ads recently. And they had a specific campaign actually worked with an Amazon Rep the company provides somebody directly to publishers, and to those who are spinning at that level or higher. And it really didn't work that well I. Forget the precise numbers, but they spent a lot of money on selling a small number of books, so not necessarily a great idea. One option might be to look at Pinterest. We haven't talked a lot about pinterest ads, but that is another company. That's happy to sell people. Ads based on certain targeting. You can include all the different demographics and variables that you want to specifically try to reach. And pinterest ads I think categorically can be cheaper than Google and facebook. Not for everything, but for a lot of things, and as whether they're effective once again. That's going to come down to what you're selling. Overall whether we're talking about any of these companies or any other networks, the other places in which you can purchase advertising. Don't try any of that stuff if you don't have a product that converts. That's, that's the most important thing you don't have a sales process that you know is going to be effective I mean feel free to spend a hundred dollars or something, but I definitely wouldn't. Invest in a big AD campaign without a proven product. That's why the work on the front end is so important, because then if you have a product that's amazing and it's converting and you've got sales process good message then those ads can be an amplifier.
"twenty dollars" Discussed on NPR Politics Podcast
"And Browse privately avoiding trackers Duck Duck, go, privacy simplified. You may have noticed something that all of these protests over police violence. There are a lot more white people there than you'd expect. But how long will that last this awoken among White American voters? How far they really willing to go beyond dethroning trump Adam server on race and lessons from history listen, it's subscribe to it in a minute from NPR NPR. And we're back and you know historically there has been this assumption. That Republicans are staunchly pro law enforcement, and in some ways kind of skeptical of reform, but polling has begun to show that a growing majority of Americans are questioning the disproportionate use of police force. So Claudia. To, hear more about it what we're beginning to hear from some congressional Republicans that they have some of their own plans about some type of police reform. Yes. This is really interesting. Just forty eight hours ago, I was very skeptical I didn't see them aligning in terms of putting anything together, but just in the last couple of days we've seen a lot of momentum Senate majority leader Mitch McConnell appointed Tim. Scott who is the lone Black Gop Republican in the Senate, and he is going to be heading up this effort to put together legislation just today. He was saying that he's hopeful that they can put together a bill by this Friday so in just a matter of. Of Days Yeah. So this is really a quick turnaround. He also thinks there may be overlap with House Republicans. There may even be overlap with the White House. That is, that is one of the wild wildcard, but it's really interesting seeing this traction off so quickly, and perhaps there could be a middle ground for everyone to meet on. Do you have any idea of what kind of proposals the Republicans might be considering so Scott detailed some of the provisions so far in his plan. They are steering away from some of. Of the provisions in the Democratic proposal that includes a ban on chokehold and a ban on no knock warrants in drug-related cases. Scott says he sees issues like that being addressed more in training and working on spreading escalation tactics throughout police departments across country, and that's the way to address it. He also wants to develop a national commission to study potential police reforms changes that could be made, and he also wants to get everyone. All these police departments under the same umbrella when it comes to federal reporting requirements today he. He says only forty percent of police departments report to the FBI and the Justice Department, and so he wants to see that number escalated. He also wants to see body cameras. Any wants to see the funding for that. Go Up, if not. He wants to see penalties when it's not used I hate to be a party pooper here, but the notion that There's a calls for yet. Another commission to study policing is going to vary. severely disappoint people in a lot of communities around the country President Obama. Had commissioned on policing in the twenty first century President Trump and the Justice Department currently have another commission on law enforcement, and so the notion that the most that could come out of a Republican. Bill would be yet another commission and more money for police I. Think would really anger people out there in the streets who are fearful of how police might use more money to go after them and that's an interesting. Interesting point we are hearing that from Democrats who are aware of these Republican efforts on the Senate side, but they're skeptical. They think so far. This doesn't go far enough. They think so far. This doesn't go far enough, and so we're hearing those concerns another study. No, no real bands here and so that's part of the issues that they're dealing with in terms of. Can we meet some on some middle ground here? And I want to say to your question earlier asked my vet There is a role for the federal government to play here, but a lot of the problems that police good police officers are being called to solve every day on American streets are not really law enforcement problems there other kinds of problems which leads to on. This conversation that some people are calling de-fund or disband police. What they're really talking about in a lot of cases is providing money for social services, mental health services, education and other programs that would not lead. People have run INS with cops on the streets that could leave them either incarcerated or horribly in some cases dead you know, do we have any sense of what type of reform if any president trump might actually be willing to sign into law, you know I see two data. Points here with respect to the administration. One is that attorney general bill, Bar and the acting head of Homeland Security Chad Wolf have both. Both said publicly that they don't really see systemic racism in law enforcement in the United States in the second. Is that during the trump campaign in twenty sixteen, one of the major moments for me was when the country's largest police union. The fraternal order of police threw its weight behind candidate Donald Trump. It would be a surprise to me if donald trump broke with the F. O. P. in a lot of cases here, what state and local officials are trying to do is renegotiate union contracts with police. So this is a complicated set of factors for the White House to consider Claudia T to that point. Do we have a sense of congressional Republicans. Will only put into legislation things they absolutely no, the trump administration will sign onto, or could we be in a situation given that there's so much public pressure that they feel an urgency to do something and I'm just kind of curious if we know. Will they actually just kind of acquiesced to what the trump administration wants? Are they facing public pressure to put a more sort of forward thinking piece of legislation forward? I think we're seeing the latter tim. Scott was just asked about this today. Will you roll out a proposal without President Trump on board? And he said we're just going to move forward. They are working on a plan. We're working. Working on a plan House Republicans are working on a plan and there is common ground. He's trying to remain optimistic. They can meet on this common ground, but he didn't seem interested in the idea at all of holding off legislation until getting president trump's sign off. It's really interesting. They're ready to move forward. It seems without his support ladies. I am so dubious like Gimme a break that they. They would actually challenge the president. You're saying congressional Republicans one hundred percent, I would have thought that I would have thought that just a few weeks ago, but just the energy there when I was there yesterday and seeing what Republicans are saying today, it seems like they are barreling full speed ahead I. AM surprised that this shift but I understand what you're saying, but it be. Energy was different. Different on Capitol Hill. Yesterday all right well. That is a rat for day. We'll be back.
"twenty dollars" Discussed on NPR Politics Podcast
"NPR podcast. It's two seven pm on Wednesday. June ten I must not call it. I cover the presidential campaign I'm cloudy Silas. I Cover Congress and I'm Carrie. Johnson I covered. The Justice Department J. It's been ages since we've seen you. You're on a fellowship a wonderful journalism fellowship for the last year. You know one of the things that really struck me a year ago. Is I was preparing to study? Was this quote by a civil rights? Lawyer named Bryan, Stevenson and he said we have to acknowledge the four hundred years of injustice. Injustice that haunts us and our system. And he said basically we're at a moment where we're either going to double down on Romanticizing are past or accept that there's something better waiting for us and low and behold coming back to work this week. I, realized were right in the middle of a conversation about that very topic well today on the hill, George fluids, brother flowness. Floyd testified at a House Judiciary Committee and he spoke about his brother's death at the hands of Minneapolis. Police George wasn't hurt anyone that day. He didn't deserve to die over twenty dollars. Accent you. Is that what is that? What a black man is worth? Twenty dollars. This is twenty twenty. Enough is enough. The people marching in the streets are telling you enough is enough. Leaders that our country, the world needs the right thing. Floyd with speaking directly to lawmakers. There was this hearing that was part of a police reform proposal that Democrats have put forward I'm here to ex- you to make it stop. Stop the pain. Stop US being tired. George Carl for help and he was ignored. Please listen to the cow. Now. To the calls about family and the cows ringing out the streets across the world, people of all backgrounds Jindal racist have come together to demand change. On Him. On a George and make the necessary changes that make law enforcement the solution. And, not the problem Claudia Floyd was not the only person who testified today Su. Who else spoke and what's the message? They were trying to get across. Yes, so it was a very large panel today as we heard flowness floyd. In person, he was there. It was a very dramatic moment. Others testified virtually, and some were there on the panel as well. We had the police chief from Houston. We heard from passers. We heard from folks for Republicans who were speaking on issues such as defunding the police and activists who are worried about where things are headed when it comes to policing in the need. Need for Reform Unit Claudia. You mentioned that there were some witnesses brought by Republicans and one of them was pastor Daryll Scott who's in adviser for President Trump? He spoke against this idea of dismantling police forces in the country law, abiding citizens, and I've spoken to a great deal of them. Overwhelmingly think that defunding or disbanding police departments is a horrible idea, so it's interesting. Interesting we heard about this theme from Republican witnesses, but at the same time this is an issue that Democrats happen to agree with a lot of them. There are some that are concerned about this issue and say that police should be funded or disbanded, but for the most part what we're hearing from Democrats is. They're not interested in including this in their proposal or moving. Moving forward with it. They think that Republicans are using it against Democrats and for the most part they're saying. We're not on board with it either, so it's an interesting moment terms of overlap that they mostly seem to agree that they don't WanNa. See defunding of police and carry. Some of the witnesses were proposing specific solutions. Can Iverson's of what some of those ideas were? Yeah there were a bunch of things from from altering law enforcement's ability to get a warrant where they don't have to knock on your front door and drug cases which led to a lot of violence in the past, and has been very concerning to civil rights advocates to ending or limiting programs that allow the military to provide tanks and other munitions to local police forces. We saw tanks on Washington DC streets here in the last week or so alone and then Other measures that would increase the justice, department's ability to prosecute bad cops and it changes to something called qualified immunity that would expose Some police officers who engage in wrongdoing to more liability to be sued in the courts. And Kill, you've been speaking with civil rights advocates about how they're reading this moment. What reform do they think is possible right now? You know I talked yesterday with Chirac. Baynes who co-authored the justice. Department's Ferguson report many years ago in the Obama Justice Department and he said he was surprised that not much changed after that, but now does appear to be a real moment where the eyes of the country in the world are really upon the US the US Congress and US police, and so the challenge for for people who want to see change is if now is the moment they want. The Congress to go big. Not just to think about creating a national registry of police wrongdoers or making a national standard for the use of deadly force by police, but also try to reduce the footprint of law enforcement in the lives of black and Brown people around the country as Vanita. The former head of the civil rights division under president. Obama testified today, but you know Carrie I think when a lot of us think about law enforcement often think of our local cities. Police Department Department. We think of it at a very local level. So is there a role that Congress in the federal government have to play here that people see that there is something they can do. This is a big challenge. In fact, police is most policing is done on the state and local level, but there is a role for the federal government. There has been at least since the brutal attack on Rodney King in Los Angeles where Congress amended the law..
"twenty dollars" Discussed on New Pod Flow
"Dollars us. Anonymous man rice bag twenty dollars for why bait are not twenty dollars to do what they my kids had. His shirt coming on ain't tell me today s._m._h. Damn estimates well. They just had the nago bay told you too late service. She said while so you can get me twenty bucks babe. You're going to have to ask the kids wildest for that kind of stuff crying mody. You know what ah i don't wanna talk to. You know more now. Nigga say okay dea. It was fine wire last but me giving you money will never work unless you're my wife. I'm sorry you got three kids and two fathers for those kids. Shows man's gotta give you that money sweetie <hes> aw shit. It was more but she's cut. That's enough right. There for me are jumping. <hes> <hes> sounds like a talking stage sound like she just kinda went to <hes> she she went to him before she went to the father's. Stay high. They broke it off like cats through say as i mean shit it's arguable back to what i was saying the beginning oh girl who posted say can't do can't do. I guess you make ain't deal with you and she said blocked with a t. She said it was blocked because she if you in a situation you got kids and you in a situation where you've got to ask somebody for twenty dollars evaluate yourself elf block yourself twenty miles where you get that is trash and i don't. I'm i'm not i don't i hate film. I feel like sometimes when i be saying shit on the pike. Ask like i come off as judgy. You know what i'm saying but you've got two kids and you'll have twenty twenty dollars for your kids at at at the last minute struggle. Fuck struggle fuck like damn. Let's i mean that's that's that's tough. That's tough. These kids got two fathers hit him up him up so you so you would do yes. I'm sorry i'm sorry i'm sorry i i would just keep the twenty. It's just a job. It is kids <music> but its principal like for you. What's next what you're going to ask me for next last minute you start on so you don't want to open their doors choosing to open a door for twenty twenty. Turn into fifty fifty turn into one hundred. You ain't trying to open that door exactly you telling me because you ain't got twenty dollars berg the first round the corner a and to be honest with not to be honest sicelo girl was lying do sound it's definitely you know you gotta watches suits that you see on the internet the scenario somebody could be texting. They damn self to create some shit just to see what they can start on internet. It could definitely be fake but but if you have if you have to take it from as you take it from like if you look at it like this might be something real like we gotta you gotta take you gotta think dog like you. You got two kids. You got to three kids. You got to fathers and you skip both of them and come to me about they child for something like it's just not no no if we especially if we're talking to stay now we in a relationship and in shit get serious as between us to where i'm in a situation where i feel like you are my responsibility and if you are my responsibility then so are your children because that's should have that. Should it'd be how it works when you have when you deal with somebody who has a child. That's totally different but this comes off. This reads that this this is the first time that this situation ever came up and if that's how do feels about it i mean you can't force people to be daddy. You can't force needs to play daddy for your kids. You cannot do that yano episode seven yano half feel about that so now i'm not. I'm not rolling with all manages to dub. You can't get good <hes> does brown know it opens up the door for too much and she got some she did this. She needs the value itself. You ain't got twenty dollars for your kids. She might have a degree arcane. You know shut up shit when i would have kicked cases asked her what she going to do. All of them were burned saying he'll opened the door. He don't want to start a habit pretty much but you know we mean you know. I'm a i'm a gentleman. I would have kicked that makes you a gentleman ladies. Love me that given given a girl listen. Don't kill me. They're they always on the women. She just yeah anyway. That makes you a gentleman given a girl twenty dollars basically gentleman well. I mean for chick needed and that's i mean that's all i'm dealing with me. She needed for the kids. It's supposedly for the kids and eh what does what does she hit tonight. Before saying a i had to pick up an extra shift but i volunteer to chaperone you stand in for me. Would you do it. No i got a job. I actually work for you. Do 'cause you need a job when they got from my fucking work in my cube. I just don't like i know oh man like no. If if depends on always say no you're saying you don't open the door but to me. It's just yeah yeah and you and you you and i do probably had it and obviously probably sure she knew it. He principal. I know you got to baby daddies. Go ask them they. This would that money. That's one reason the other reason is you shouldn't have i shouldn't so i don't open up the the whole you shouldn't have kids. If you ain't got i mean but you should have. You ain't got no choice but to have the kids nowadays there but you need to be putting yourself in a position where you ain't doing this this and and you should i. I mean just to prideful man. You know they say comes with the sign man. I'm too prideful. If you know the kids just not gonna go man mike is mike is need. Something and i ain't there to put the two to get it to them. Not asking nobody for nothing man here. Here's some books. Y'all sit in the library. You know what i'm saying. I'm gonna try to pick yellow early from school. Snigger stupid spur now man now as now. I don't think i don't think given given a twenty dollars makes you a gentleman. She's definitely going to run your pockets ligairi chance she get after that that was easy <music>. It took me in a.
"twenty dollars" Discussed on KIIS 102.7
"Twenty dollars. Well, so. Rocking. No wolf Fung. She knowing about wearing a per digging. I'm digging them searching. Trash that's another man's come up Granddad. Google. Your momma, your mammy plano, zebra jammies second. The Bill, the sucks. The party and they stuck. Gucci. That's fifty dollars for t shirts. Fifty dollars. Getting. People in this club. Brand. Menu. Twenty dollars. Grandads. Twenty dollars. That your grandma's coats? Fix up your head like you do. I'll be..
"twenty dollars" Discussed on Xtra Sports Radio 1300 AM
"Has twenty dollars starter kits including juice juice for many of their three hundred. Plus Labor's whether you like traditional tobacco flavor, a sweet, candy taste or refreshing hints. Amid you could try it all at any chief vapors three local locations on powers in north carefree across in the citadel on academy and exit one sixty one I'm on Ethan grits and associated products such as abors invades contain nicotine, which is addictive. These products are only legal this album adults age eighteen years or older Duomo from Denver Nuggets. Listen to Xtra sports thirteen hundred. And. No, you didn't on trying and then you like some sort of. Right up so crying, so crying. And then he kept fighting because he was terrified. Somehow. One. Tens. Tour. Back in. Three. So best shot. Fashion. He made it people story be told bash. Making kids Greek one Saturday at a time. Here's Robin Lundberg. That was cold. It is what it was. That's what it was..
"twenty dollars" Discussed on KDWN 720AM
"Saving that twenty dollars a month. I don't know about you. I can drive through Dunkin donuts or Starbucks for coffee that twenty dollars doesn't last very long. But it sounds like it would be incredibly empowering to say, I have the strength to save at least that much money. How did the Nevada Bankers Association get involved with this program that we know as savor life? Well, you probably know banks are involved in their communities to a really great degree and financial literacy is one of the core values, so our banks individually contribute to all sorts of education and financial literacy programs we worked with the legislature. In passing legislation that would change and actually increase the amount of financial education, Nevada students will get throughout their school careers. So we came together and recognize that if you would roll up all of the banks contributions to the communities, they spend more than twenty five million in charitable donations to Nevada nonprofits, and they donate over one hundred and twenty thousand team member hours. So what could we to coming together on a single effort, and we adopted the mission of creating a culture of savers in Nevada and earn was introduced to us, and they have this great program. It not only teaches you to save. But it walks you through and helps you make that behavior change to being a say over talk about the empowerment of that twenty dollars. But.
"twenty dollars" Discussed on WTMJ 620
"I am actually dressed up like a lawyer today. Get one of my fancy blow your suits and stuff on I come in. And people say what what's going on? They figured either job interview or a funeral. It's actually neither one of those men dressed in a suit. All right. Eric Bill, stack before you leave the fact that you are here, and the fact that the winning mega millions ticket was sold in South Carolina means you did not you did not win the lottery. I got one number. You got it. Okay. That's what I was going to ask you because when we spoke yesterday you were thinking about buying a ticket. You bought west? Did you go out of your way to buy one? I needed gas. But I wasn't empty. So if that answers anything I did make sure I got to the gas station to fill up half a tank and to grab a all right? Well, okay here here here here is my story. And contrast that it's actually a Wagner family story. Now, I was I was on the way home, and my wife was working last evening, and my dinner was supposed to be like, leftover, Meatloaf. And and she makes really good Meatloaf at all. But I was thinking, I don't know. Maybe I wanted something a little better. So on the way not that. I don't love her, Meatloaf. No, no, no. That's great. So so I pull into like one of the local grocery stores because it was it was taco Tuesday night where they make so for seven bucks seven dollars. They make a couple of fresh tacos and things like that. So so I I got those to eat along with the Meatloaf, and it was karma. So I went through like the self service lane at the metro market and a ten dollar Bill. I pay for the tacos and stuff, which was seven dollars and change. I've got two dollars cash American and then on my way out. Okay. There's the gal there that selling the mega millions ticket. So I figure okay, it is karma. So I stopped by by one mega millions ticket for for two dollars. All right, needless to say, I did not win. But but here's the flipside. My wife who is much more frugal than I am. And that's the appropriate word. Fran. It's like, we're furnishing house, and she will go into a store and say, okay. And I'm interested in that chair is it on sale. No. Is it going on sale has it ever been on sale? And she just she refuses to pay retail. Absolutely first time I saw her to I kind of shook my head. But it's just but she she wears down. And it is safe. I can't tell you how much money. My darling wife is save me. By by take saved us by taking that approach furnishing house and stuff. So I have bought the one mega millions ticket for two bucks. She comes home from work last night. She said. I bought mega millions tickets to now got to know, I spent twenty dollars on a twenty dollars. Exactly twenty dollars and the long and short of it is we want on one of the ten tickets that she bought she had the she had would not have to Powerball whatever they call it that that that number number five, okay? So that means that means we got two bucks. So we invested we invested twenty two we got two dollars back. Speaking of power bomb jackpots pretty high on that one too coming up actually that that was the deal that this morning. I said, okay. Why don't you take this two dollar? When that we got go back and roll that over let's buy a Powerball ticket and see now how many that is going to translate to. I don't exactly know. But bottom line is somebody in South Carolina. I guess one the whole the whole enchilada syncing Ville, South Carolina population twenty two hundred or something like that some tiny little place. That's okay. Let them have all that money. It would have ruined our lives. Anyways. Right. Making fun of me for saying that. Yes, I was planning for saying that I am not. I am not envious envious. If it if it if it could have been me wanted it to be you couldn't be us. We're happy that somebody in Bill, South Carolina. All right tonight, though tonight is the Powerball. All right. Let us get started. There's a lot of stuff going on. We will continue to monitor the fact that apparently pipebombs have been sent to a number of very prominent people. The theory is that it's the same person sent pipebombs to a number of people pipebombs are just nasty nasty things back in another life. I would from time to time prosecute people from manufacturing and distributing and setting off pipebombs and just very very scary. And we'll we'll talk about that. And the fact that some people are trying to already exploit this ongoing situation for political purposes that's coming up, but I want to start with something that is going on in the. The governor's race. Now the election is two weeks from yesterday. So we're we're down to thirty days. There have been. A series of interactions back and forth. There was a debate last week between Tony Everts and Scott Walker and one of the things that emerged in that debate is is a difference. With regard to how you handle people who are in the state illegally. Tony Everts has come out, and his advocated allowing people who are in the state meaning in the country illegally. He's come out, and he has advocated allowing them to get driver's licenses. Now the way it works currently is to get a driver's license. You have to be a citizen or you have to be a legal resident you don't if you're not a citizen you have to prove legal residency and by legal residency. It could be a green card. It could be some sort of conditional entry. But you can as long as you're here legally, you can obtain a driver's license if you are not in this country legally, you cannot get a valid driver's license from the state Wisconsin to Tony verse way of thinking he says, well, look there are people that are in this country illegally. And there are people who are in the state illegally. They are driving. Despite the fact that they don't have licenses so to his way of thinking, he argues, doesn't it make more sense for both common for both public safety and for employers to allow these people who are in the country legally to get driver's licenses because then at least they'll go through some road testing and some vision testing, and so maybe the roads will be safer, and they'll be able to drive without being afraid of being pulled over all right hour number four one four seven nine nine one six twenty then it's the accurate mortgage, talk and text line. There are a handful just a handful of states who do in fact follow that that thinking that it's better as long as people are going to be here, regardless even if they're here illegally, we should allow them to have driver's licenses Scott Walker disagrees with that theory. I'm on walk. Her side. But what do you think four one four seven nine one six twenty that is the accurate mortgage talk and text line now, I mean, if you're in this country illegally. I remember it in Wisconsin. We have licenses we have laws that require you to get insurance and things like that. I don't know how insurance companies are going to react to that I- off the top of my head. I can't imagine too many insurance companies that are going to be writing insurance policies on people who are with a driver's license or without a driver's license who are in this country illegally. So I would assume that we're giving people driver's licenses knowing pretty much that they're not going to have the insurance requirement. But let's see this up four one four seven nine nine one six twenty that's accurate mortgage, talk and text line. Should we allow people who are in this country illegally to get Wisconsin driver's licenses we discussed in just a moment. If you're on the line, please hold on once again, we're live streaming. Facebook dot com slash six twenty WTMJ. You can participate that way as well. Twelve sixteen Jeff Wagner, WTMJ rise and shine with gene and Jack to work in Green Bay. Where the job is trying to figure out a way to beat the undefeated Los Angeles Rams Packers. Head coach Mike McCarthy joins us live. That's at six twenty one tomorrow. Mortis -sconsin morning news with gene Miller on WTMJ. The.
"twenty dollars" Discussed on MyTalk 107.1
"Twenty dollars per square foot on counters with our annual clearance sale. Shop and save now stone source near four ninety four and county road six in Plymouth or at stone source USA dot com. Hey, it's Alexis here for Plunkett pest control for over a century. Now Plunkett has been delivering expert pest control services to homes and cabins all over our area invaders bigger, small pockets is the company you can trust. Dial.
"twenty dollars" Discussed on RuPaul: What's The Tee? with Michelle Visage
"For twenty dollars twenty dollars. So rounded by the only smoke cloud. Who didn't even see sec. It was, what do you call it contact high. But at the end that I was like, this is a fun. I didn't always having Kashmir came on identified. It didn't like. I know nothing about. I saw Ozzy in concert because my boyfriend's at the time we're in us. So I found myself at some very odd const I visited him. I would saw with my friend MCI I saw, yes, in cons really with, I think they were with rush, rush owner of only heart. Is that? Yes. Yes. Is owner of a lonely heart? Yes, but that was much later this is I went to see them with her. I think by the way, rush is unbelievable. They were unbelievable. They weren't is was even then it wasn't my type of yet. He lied Neil pert. You don't doesn't even have to hear listen because I sang in a rock band. That's why I'm familiar with this singing. Any kind of Getty Lee was like singing Steve Perry? I, oh my there. Tenors are so high that I even as a girl with the mezzo voice. I couldn't even hit some of the stuff that that Getty Lee and and the amazing Steve Perry member here we had, what's his name on the show with the long hair and the white outfit? Uh-huh. What's his name? The white, Andrew w k f. He said that he met Sherry. Through a vocal coat who he wrote. Oh, Sherrie about. Yeah, he wrote Ashari about her. No, he did not. And the vocal trained people who could who sing in that raw voice. That screaming thing, Alex wants to say something. Yet he is the metalhead screaming, battle head screamed. No, not that Greece. Like metal people? Yeah. Oh. Oh. How you do that night if without getting on your voice, I can't speak for the rest of the money. Yeah, but listen, I think I've told you this. I saw David Bowie nineteen. That's not weird for you though. Nowhere for me, I saw David Boyd the station to station tour nineteen, seventy six at the San Diego sports arena, which was a pivotal that changed. You changed my life. It changed my in fact so much so that we followed his limo from the from the venue to the hotel thing, and we just sort of hung out there. The virgin tour did that for me, follow her. I didn't follow her, but I remember seeing it. I was all, obviously dressed up with a bow in my horse. Grace. Glad with the rubber bracelets. I couldn't. It was like, where's WALDO? We were all wearing the same thing. If you were winning that right now, I'm going to bring it back. Yeah, why not? I'm going to bring it back and you get those lace glove. You can buy all the knockoffs, but you can't buy..
"twenty dollars" Discussed on Newsradio 700 WLW
"Annual holiday for heroes again it is the arbor would subdivision which is wearing burlington it's a mile from the four way in burlington everybody's familiar with that so four mile from seventy five turn left and follow the car's all right so it's happening on saturday starts at four and he goes to a win all the beers gone yes turn down the the fireworks go off ten thirty to forty five and then as soon as the rover we usually wrap it up pretty quick so it's a family day and a great time the best part about this is you know it's food it's drink it's all this stuff and all its donated right yeah everything everything gets donated that we cannot possibly down twenty dollars a person fifty dollars a family i don't know you know any day that you can go out with your entire family and get out get out the door for fifty dollars and be entertained and get your food and drink and everything else that goes along with it yeah that's cool part so at six fifteen you got the barbecue there's hot dogs hamburgers sides all that stuff the water and beers provided so that that's all included in there as well and you'll take credit card and checks as i recall too right yep absolutely yep if you're willing to give it to us we will find a way to take what's a recommended donation twenty dollars a person or fifty dollars per family that's your twenty bucks a head that's pretty good for food drink and my friends eh melissa deviate will be playing there too as well which is always an awesome show those guys always rock it out so they'll be they're starting at six o'clock i know that along with stepbrothers too who are fantastic yup up so it'll be it'll be a great day it's a great value when we can get and we really appreciate your having a song yeah i know and i know that budweiser and my friends at mercedes benz of fort mitchell dan and the guys out there do a great job in reaching out the community and sponsor another one of the cornerstones sponsors as well plus fireworks razzies right yeah how much better can you fourth of july weekend so without these corporate sponsors and businesses stepping up we couldn't do anything that we do so huge thanks to those guys yeah so what do you need to bring can you do you bring anything now obviously not bringing food or anything but what what should people bring with them the only thing that we recommend that really that people bring is a folding lawn chair or the students here you know you take your sporting event just you can get a good seagrass and just bring a good attitude and have a lot of fun now and speaking of fun rocky boy man i guess he's going to be mc necessary absolutely awesome yeah he'll have fun down there too so he'd be the guy with the red hair guest guys fourth of july going on so again it's saturday starting at four o'clock it's the arbor would subdivision in in burlington and i'll get this i'm gonna put this on my facebook page to just go.
"twenty dollars" Discussed on Newsradio 700 WLW
"A great time the best part about this is it's food it's drink it's all this stuff and all its donated right yeah everything everything gets donated that we can possibly tiedown you know it's twenty dollars a person fifty dollars a family i don't know it you know any day that you can go out with your entire family and get out get out the door for fifty dollars entertained and get your drink and everything else that goes along with it yeah that's cool part so at six fifteen you got the barbecue there's hot dogs hamburgers sides all that stuff the water and beers provided that that's all included in there as well and you'll take credit card and checks as i recall too right yep absolutely yep if you're willing to give it to us we will find a way to take what's recommended donation twenty dollars a person or fifty dollars per se you twenty bucks a head that's pretty good for food drink in my friends melissa deviate will be playing there too as well which is always an awesome show those guys always rock it out so they'll be they're starting at six o'clock i know that along with stepbrothers to who are fantastic yup up so it'll be it'll be a great thing it's a great value four we can get and we really appreciate your having yeah i know i know that budweiser and my friends at mercedes benz of fort mitchell dan and the guys out there do a great job and reaching the community in helping sponsor another one of the cornerstone sponsors as well plus fireworks razzies right yeah how much better can you get to that hot dry weekend so yeah without these corporate sponsors and these businesses stepping up we couldn't do anything that we do so huge thanks to those guys yeah so what what do you need to bring can you do you bring anything now obviously not bringing food or anything but what what should people bring with them the only thing that we recommend that really that people bring is a folding lawn chair stadium chairs you know you take your sporting event just so you can get a good seem the grass and just bring a good attitude and have a lot of fun now and speaking of fun rocky boy man i guess he's going to be emceeing this this year right he is absolutely awesome yeah he'll have fun down there too so he'd be the guy with the red hair fourth of july here going on so again it's saturday starting at four o'clock it's the arbor would subdivision in in burlington and i'll get this i'm gonna put this on my facebook page to just go.
"twenty dollars" Discussed on The Pat McAfee Show
"Wow you're alive are you living is my favorite thing that you see keep save time and money by searching multiple ticket sites compare prices and find amazing deals and to get the most bang for your buck zeki greats every ticket based on value to help you willie be able to get through who knows plus every purchases fully guaranteed so you can shop for tickets on seek with confidence make zeke or go to the finding the best deals on every type of ticket from sports and concerts comedy and theatre download the seek gap and enter promo code pat today that's promo code pat for ten dollars off your first purchase or mcafee for twenty dollars off seek is by far the greatest ticket app on earth there's no second place go to an event go tell stories go make a memory digital by the way i love what you did in reveal also loved what you did oh oh yeah yeah revolted poll on whether or not you'd be willing to pay four hundred dollars or something to go to a game right underneath it's now it's three eighty twenty dollars it was a competitor's tweet to if you saw his next day he he chimed in competitor talking that i like that 'cause seek are people they are people are the best aid take care of us they've invested a lot in as operation i'm very thankful you seek go to a live event you'll make some memories it tells them stories don't check out some life seeking mcafee or pat promo code to save you some money today she was a real doozy number say it but somebody on twitter did today me finding my voice on that show was very similar to j netflix.
"twenty dollars" Discussed on Relevant Podcast
"I asked you to borrow twenty dollars that's my budget you're still okay so all right so we agree this is a loan right and i'm supposed to pay you back on the fifteenth right a year goes by and i haven't paid you back but you look on instagram and you see me in kabo i'm in rome i'm in london kinda and you hit me up like hey how is it that you could not repay me twenty dollars but you're able to make it to kabo and i'm like i'm sorry i didn't pay you back i love you now listen that's all well and good you know that i love you but that kind of love doesn't pay debts and that's the kind of thing that we're talking about in america which is why we can't just love one another we can't just hug it out because hugs don't pay debts you know like hugs aren't going to change discrepancies and the prison in the way that we police people of color the prison population mass incarceration the disproportionate number of black and brown people in prisons and stuff like that let's just hug it out won't do that and so that's the thing that in what as saying that stands out to me is that it sounds like something that so many americans say a hope that something can be exposed about that is that yeah it'd be great if we could all just come by and hug one another but in addition to that we have to add specific detailed pragmatic public displays of neighborly love.
"twenty dollars" Discussed on She Didn't Text Back Podcast
"I ninety five are you kidding me are you kidding me dude are you serious dollars type of person that wants to do things in advance and be ready for something this is the service for you you can do the same and give free shipping both ways perfect for everything from a wedding to a big night out on the town to get twenty dollars off you're gonna say i was just going to say i love it when people get touchdown down suited up you really do suit yourself you really do and all my friends suit themselves it makes me wanna cry and i feel like we're all present in there to get twenty dollars off your purchase visit black tux dot com slash text back that's black tux dot com slash text back for twenty dollars off your purchase the black tux premium rental suits and tuxedos delivered so what yourself and we are back i hit records time to start talking we're going to answer some questions some questions from you live before we do that i just want to say that if you wanna go to tunes and rate us you can rating talk into that mike will i love iteens right and you give a good example will on what a great nice friendly review would be all cast a love this she didn't text back podcasts it's the one that i wanna put my ear to even when i don't like myself there you go i've really been struggling with steam lately and i've noticed that the only thing that pulls me out of it is the voice of william mates now i don't want to say i'm reliance on him but i am in a way.
"twenty dollars" Discussed on Black Men Can't Jump
"Nobody doing at most single monza i know they don't hide ekeus but they never bring their kids around the person's they don't want to kids get attached or have it to explain who'd is who this guy is you all of this guy's going to bureau was this guy is in your life he is now in your kids life is doing i get as a khartoum but i was like yeah habits so she did their abortion because i'm like i really i mean is based on the robin harasses true here it's completely and also laughed at the fact that it on the date she's what three random keys in twenty that i mean that was hilarious antipoverty maybe twenty dollars what the that's like the pitch light of the movie is there so i who who fees babies kiss who don't worry about that as babies weigh twenty dollars to go to disney world toward down twenty dollars he goes there a too bra aloud he was like one too no to allah he'll want it at like you'll want it are you take all the rules did a coupons y'all what are the real got what are the rules was no introspective think yes i wrote that down that was so funny and then the one right after it too is also very in ready i didn't write that went down because i was still laughing at no introspective bouts but it's luck you're like not allowed to you're not allowed to go to the to the park ed b n exist a real you know you're not yet.
"twenty dollars" Discussed on KOIL
"Twenty dollars a month from your income if you have expenses related to buy circle commuting as long as you're not getting other pretax commuting benefits from your boss you get a 20dollar production from your income for bicycle related expenses if you commute by bicycle and they're going to delete that one don't take that off don't ask me why because i don't have a good answer for yet i don't think bicycle commuters or doing any harm to the society that i know that one is really weird but we don't want to waste too much time one that nonsense another one about gambling now right now you can deduct gambling losses up to the amount of gambling income in any given year but in the new law they are going to make some changes and the change will be this and this includes many of the professional gamblers because they deduct the expenses related to their profession if you will pardon the expression you're going to have to add your commuting gambling losses your commuting loss losses your expenses to your total losses before you make a comparison tear total taxable winnings for the overall deduction calculation why they're doing stuff like this don't ask me i have no answer i have no idea why the congress of the united states is wasting their precious time right laws like this this is bizarre so that's basically for the most part not in every case but that's most of it right there that we've gone over on today's broadcast they're not repealing the deduction for student loan interest that was a trial balloon but it got killed uh other things that were up in the air like employerpaid tuition like when your employer pays your tuition for continuing education the amount that they pay is not taxable income under current law as long as you meet certain conditions while they were gonna knock that out but the captain so there's no change to employerpaid to wish him capital gains when selling your home no change there so um for the most part i think we have covered the new tax bill pretty extensive pretty dramatic and let me say again because this is clear as day if you you're.
"twenty dollars" Discussed on WCBM 680 AM
"Have no clue what's going on with her their lithium level should out or something's wrong i just on such used to be checked for let painter sun qassam the idea she comes up with her anymore just without a control so that's where he goes federal children by by the way because and you're the fourth of five we have one more book to give away this morning this is the brand new book from top starnes afford by mike huckabee by the way uh called god bless america and you'll see the be very very faintly there on the side roy thank you remind pressures before i go i want this to really be a phenomenal year almost don't want to be their biggest you're ever doing this are brought her shirt by i thought gary neiwand ticker of the show for a few minutes you could stand up front wear the shirt by a little extra dollars in and maybe never enough so guests anyway you have a great holiday here the truth says i'm not gay twenty dollars is twenty dollars that saw unfortunately it you know it is gary size so we are after about that fetchy your firm clutch for bringing that by all right back to the floods rego she said yorktown jim good morning earth now world sex because you have uh i think it was the other day and he was even forced some voted investigate and i was trying to find the m if he judging five through one last friends of asking move void under voters were fastened investigative feet higher all right i gotta give me can't old on you gotta give me contents our jim because he talked about something else and that's fine this the friday freefrall mud in in case when you can move away from the topic give me a point of reference here so i know what you're talking about okay for it taking your place and she says com vanden were he was running your show and i can call in and i if if you were reference to having that could investigating one the case of fema the police officer that was just kill super jim thank you for your call i appreciate it tells.