32 Burst results for "Twenty Four Thousand Dollars"
"twenty four thousand dollars" Discussed on BiggerPockets Money Podcast
"Show. Mindy dot com. Yeah thank you but like. I don't go to starbucks except once in the fall. I want to go have a pumpkin spice latte but that's kind of indicative of my whole spending mindset as we heard last week when remit made me cry near the end where. I don't spend a lot of money and having your starbucks. Every day is indicative of like larry spent five bucks starbucks. I really want lunch out today. And leads out. Today becomes lunch out every day. And then i'm going to go to happy hour like brad did. And he spent twenty thousand dollars a month at the great two months he had. What a great month that barr had. That's a lot of money. i mean. Twenty thousand dollars. My first job paid twenty four thousand dollars that yes for a whole year and i lived off of that for a whole year and it was a different time. It was a long time ago but still twenty thousand dollars a lot of money to spend in two months. It's it's more of this lifestyle. And when he's saying you can't go to starbucks today she searing. You can't spend money anywhere today or ever. Yeah i think you got leave people those scone crumbs right. Where you've you've got the crumbs along the whole journey and certainly they don't need to eat every piece of the stone with you. I'm just ruining this analogy. But the give people some idea like if he's been thinking about it all night she doesn't need to go the dominant by domino through every single thought but but to take her from where we were the day before to today. Maybe in one hundred words is gonna is going to go a long way. And i do love. I love of targeted communication experts. About the idea of asking your opinion about saying hey mindy. I had this great thing that i was thinking about all night. I wanted to ask your opinion..
"twenty four thousand dollars" Discussed on WNBA Nation
"We will all things like you said at. The frontier doesn't happen. I sure hope occur accursed airline. Like that it's sad because they have the early game two of yours but chicago and connecticut will tip off at one. Pm eastern. It's ten am pacific time. So you know. I guess have brunch and watch the game but That'll be gained three. That'll be seen. I believe on. Espn the second game on sunday. We'll be on. Abc big stage in tempe arizona. Evidently but that'll be three. Pm eastern noon pacific Over at the footprint and center so a lot to look forward to should be exciting very pivotal game for both sides. Because we're one either way. So this will be a real taylor here but jason as far as looking forward to the next string of the playoffs any any last thoughts takes anything. I think that our probability of getting game fives is actually pretty high. I think phoenix in chicago both good enough to win one at home and so i think we're going to end up at at game. Fives which. I don't know that anyone would have seen to game fives coming. But i think it's much more likely seeing where we stand right now because both have taken back kind of court advantage. I think they both can make the best of it at least once. So that's that's kind of something. I'm excited about. Obviously more playoff basketball is is a good thing no matter how you slice it so getting to game. Fives is obviously going to be a lot of fun. And we want you to have fun with us. Join us over on twitch. When we do our streams Give us give us a follow. give us a subscribe. That will let you know when we are going live so that you can join in the conversation. We've been having great conversation going on this chat. Our daytime our daytime twitch very analytically minded lots and lots of really good inciteful comments coming from their hair very active challenge like it. I like it a lot. Don't elevator. And if i can if i can sum up one more thing i spent since you started this conversation on on air travel with connecticut issue that they're having. It took me about two. And a half minutes on google to find that i could charter flight right now today from connecticut to chicago for twenty four thousand dollars that would get the entire team and the coaching staff over for twenty four thousand dollars which is a little over a thousand dollars a player close to two thousand dollars a player which sounds like a lot but for professional basketball players. That's not that much like the fact book that right. Now get the entire team on the same flight and it would not cost that much more than they're probably paying airplane tickets 'cause they're probably already paying five six bucks teams most pro teams. This is taking care of because they have a plate and probably violate some ethics bias rule. That's inside of espn espn is headquartered in hartford connecticut. You're telling me they don't have a plane that the sun could borrow for a night like that's just bs but anyways. Lv idea that they've just got like a on campus just like yours is that and just just to be clear just because there might be fact. Checkers checking technically bristol..
"twenty four thousand dollars" Discussed on BiggerPockets Real Estate Podcast
"Bigger pockets. I would say let's get into this interview with our guest rob abessolo and you can find him on. Youtube is a big youtuber. With over one hundred thousand subscribers at robert r. Ob you i lt baby and if not while you're gonna stand today let's get an interview with rob solo rob welcome to the bigger pockets. Podcast man how you doing. I'm doing well man. i'm doing well. It's very cool to be here. Thanks well let's Let's get into your story a little bit. How did you get into the wide world of real estate. Yes oh you know. I always in. My parents tried their hand. At real estate they are immigrants from mexico and so they're always looking for ways to provide for our family and they had some victories. They had some failures and just seeing that at a young age. Just really inspired me to be able to make them proud and do it myself. And so i've always had that each and graduating from college with a lot of student debt started asking myself. How can i start attacking the student debt. My wife and i had about eighty thousand dollars in student loans. So after moving from kansas city we moved to la and started our first house hack and we couldn't afford the house at the time but through the house. Hack and through the beginning of my airbnb business. You know my whole life. Changing the way i never really imagined Okay so what was the very first property so very first property was we moved to la and granted. We had moved from kansas city so the standard of living was a little bit different at the time. I think our mortgage there was eleven hundred dollars and when we moved to la we were renting an apartment for about eighteen hundred dollars. It was a six hundred square foot apartment and after doing that for about six months. I just had a boiling point where i told my wife. I can't bear to pay eighteen hundred dollars for a six hundred square foot apartment. We have to buy a house and she was like well. Can we afford that. And i was like absolutely not but i heard about this thing called airbnb and apparently you can rent out rooms to strangers. What's the worst that could go wrong. And she went along with beyond that so about the same time. We were living in that apartment. And we had to decide where we're gonna break our lease and spend eighteen hundred dollars a month rent to do that or where we're gonna put it on airbnb. And so this is a very new concept for me to you. Know i had no idea. But i had a little bit of faith and so it was like you know what we're gonna put the apartment on airbnb and are six hundred twenty four thousand dollar house in la. It was a mortgage of forty four hundred dollars and i was really placing a big bet on this to work but something special about this house was that there is a two hundred seventy nine square foot studio apartment underneath it and i was like okay..
"twenty four thousand dollars" Discussed on Marketplace Tech with Molly Wood
"The median sale price of an existing home rose to a record three hundred fifty thousand three hundred dollars last month. That's the latest from the national association of realtors. Sales fell in may for the fourth straight month as competition for the few homes available continued to push up prices last week. Zillow announced an update to its tool for estimating home values saying the changes allow its algorithm to react more quickly to market trends nor miller is a professor of real estate finance at the university of san diego and a consultant to companies that create these kinds of automated valuation models or atm's for banks and the government. He says a lot of the data comes from the multiple listing services brokers use to share information about homes for sale to used to be that the multiple listing service day that was reported monthly. And then weekly and right now is reported daily so we are getting more towards real time data and and that's probably been the biggest improvement and evaluations on the in the models especially in quickly changing marketplace in terms of the machine learning. We have a long ways to go. It turns out to be labor intensive. It turns out to be hard to do it. Well i don't wanna give the impression that That the research is done yet But the data just keeps improving so a lot of our listeners are probably familiar with the estimate which is zillow's proprietary model. But i understand. It's not just real estate. Companies that use them but banks and regulators who is using these all your banks and thrift institutions that make mortgage loans will use a vm. sometimes the only value estimate the treasury uses them Fannie mae and freddie mac that by most of the mortgages in the country used vm's and mortgage investors security investment bankers use them so they're quite heavily used in the business to business context as well as Business to consumer context. How does the lack of supply and the rapidly increasing prices and in many markets affect the accuracy of these models and the stakes for getting it right when prices change rapidly whether it's up or down appraisal models both manual razor appraisals and abm's tend to be less accurate and it is harder to appraise now having said that abm's do a pretty good job because they can't consider not just past sales but current listing prices and search activity and other factors like that but it is harder in a rapidly changing market. And you're going to have more air in a market like today than you would in a market does sort of steady state clipping along a two percent or three percent appreciation rate which might be historically more more typical than today. There's been a lot of concern recently about racial gaps in appraisals with black owned homes appraising at much lower values than very comparable homes in white neighborhoods and. I'm wondering if that shows up in these automated valuation models as well or is this potentially away that we could address those gaps. Well there's two things to keep in mind one is that. Adm's are agnostic with respect to race. Ethnicity they they don't know what they don't care. It's not in the models at all even unconsciously. They can't consider it. And so you know there's less likely to be any unconscious bias as you might with with an appraiser we can also test for disparate impact on different racial groups. And we have done that. I've been involved in research on that topic and And we can look to see if there is any bias and sometimes there is but again generally the atm's are not biased and It's one of the reasons why some of the regulators of thinking about relying more abm's because of the fact that There racially and ethnically neutral with respect to who's in the household but they can perpetuate bias in terms of the baked in bias. That's in some of the data that goes into these models right comparable sales for example if you're comparing homes in a black disinvested neighborhood It's going to be lower than a white neighborhood. That's more affluent. While you're you're right that if the comparable sales are lower priced And if that was baked in because of past market behavior then the abm will interpret those as comparable properties without regard to why they're lower and so you're right it might be baked in. Do you see a future in which we won't have manual appraisals. Yes i tell my real estate students to go into commercial appraisal if they want to go into appraisal or if they go into residential going t unique properties because the run of the mill. Typical tract. Home or condo can be appraised so well by abm. There's no reason to compete with it. Is this displacing appraisers. Yes it is and we are not seeing a lot of people enter residential appraisal as a result of it or if they do they have to the inter on the technical side and understand statistics avium models as well so yes. It's causing displacement. Just like so. Many other technologies have displaced people nor miller teaches real estate finance of san diego and now for some related links. Speaking of racial disparities. In thome appraisals. Reporter natalie moore did a deep dive for wbz version of her story also aired on marketplace in chicago researchers compared houses with similar features in neighborhoods with similar socioeconomic characteristics. They found that houses in predominantly black and latino areas appraised for three hundred twenty four thousand dollars less on average than those in white neighborhoods that gap had increased more than sixfold since nineteen eighty earlier this month. The biden administration announced the broad strokes of a plan to address inequity in home appraisals through potential enforcement under fair housing laws and regulatory action. And a couple of years ago. I reported on the obsession. Among some homeowners and aspiring homeowners with online home valuation tools. Does prices have marched. Mostly up over the past decade. It's tempting to check your own zest. 401k because a measure of wealth but owner. Beware after its recent. Update zillow says its median error rate for homes that aren't on the market for seven percent meaning half the time. The actual sale price falls within plus or minus seven percent of the zest emmett. The other half. The gap is larger. As i found out. Realtors have sort of a love hate relationship with these online estimates because their clients sometimes end up with unrealistic expectations about what their homes are worth. Just for fun. i checked my house. On red fins zillow chase and realtor dot com and got a wide range of estimates as far as forty thousand dollars apart all the links are at marketplace tech dot org. I'm amy scott and that's marketplace tech. This is a pm. Hey it's jed. Kim host million zillion the podcast for marketplace. That answers the questions. Your kids have about money. We've got a brand new season out. Now that's more answers to the awesome weird. Not so easy questions. Your kids have about money. And how it works billion brazilian. We helped dollars make more sense. Check it out..
"twenty four thousand dollars" Discussed on Heartland Newsfeed Radio Network
"You're coming and goings are bizarre and frequent and as mark here. Is he in new hampshire. Who knows who knows but we are here at fort fest. Having a great time talking to people learning about what they've been up to their activism and we're talking to danny of the crypto show. You recently attended a crap coin convention in miami. Not do they do. They actually advertise themselves as crap. Coins is this with the full-on s that we're not allowed to say of the federally. Communicated out of there are these coins that are specifically meant to be crap coins like does coin or are these. Is it some random program. I thought was a good idea like orange coin or pot coin or whatever. So there's a kid out of philly name. Ken bosak you probably know you okay. So the bitcoin conference was unaccessible to a lot of people because of the price it was overpriced and it was basically sold out so he came up with the idea of this crap. Coin starting with the us conference and it was free and he and because f maximalism is was his reasoning so basically the sponsors paid to make this happen and it was free to get in. There was a lot of young kids doing things with enough. And just all kinds of interesting. Non changeable tokens so you can put your digital whatever your digital art or whatever you wanna call it onto these tokens and transfer ownership. That's what they're great for is a non fungible token allows intellectual property outside of the state. And i'm still not a fan of intellectual property even if it's outside of the states well i'm a fan of it in so much as do you want If you're if you've got your captain. America number one or well. That's a physical hard copy. You can play m. f. t. on it so that You know a a qr code with on it so that you have some clarity as to whether or not this is a real kept america number one or just a reprint of some sort and this is the value of these things. it says. This is the one and You know it makes it more difficult to counterfeit. That ain't going to one of the best use cases that i've heard of was the video the youtube video. Charlie bit my finger right had like nine hundred million views and so it's like the most viewed youtube ever. They sold it at an auction. And so you know as an nf t someone who paid seven hundred twenty four thousand dollars or something for this video so now they took that video down off the internet and transferred ownership to this other person now they own it and they get to receive the reward through or whatever. Yeah how do you own a video that you've published though. I mean if. I want to go to youtube and download that video every upload it so the personnel of the person that uploaded that video sold the rights to someone else. They pulled it down there channel. Now that other person can do with it whatever he wants whether he wants to put it back on youtube or not. That person now owns the right to do whatever they want with anyone who downloaded it well You're talking in the theoretical that they own the video because they downloaded it and it is literally their video at this point whether or not they created it or produced it. It's literally there's literacy copy of it. I know but youtube is wrong. Well find their own like the thing is is that intellectual property is fine by me so long as it is voluntary and private So if everybody wants to recognize everybody else's originality or whatever then that's fine by me the idea that you force me to pay for your enforcement of your intellectual property through the fbi or interpol or whatever organization. Now that's when we start getting into the a force okay. I will agree with that. Although i would strongly advise people to avoid intellectual property simply because by definition at fringes on actual real property rights. I have a really great example. For nfc's that's a really good one and it's bolts the for one point in the relatively recent past the most counterfeited thing in the world was bolts. And what's like a bolt is a like usually hexagonal okay. national remote okay. Yeah without a doesn't have Like sleeping or something like that and specifically delta now delta pulse can hold a specific amount of weight. I can't tell you what it is. But it's something like a quarter of a metric ton each one okay but there were coming out of wait for it where was it. Where was the fake. The fake delta. It's coming from china. Right out of china it's coming some Counterfeit delta bolts this would be fine if the delta bolts that they were counterfeiting actually held a quarter of a metric ton. But if they don't then people fall to their death over somebody who put a little triangle on the top of bolt because they wanted to get more money for it and sometimes counterfeiting kills people. I would argue that. China should have or whatever manufacturer in china was doing. This should have been more specific. About what sort of weight loads their bolts that. That manufacturer closed up shop and left. And then we open up under a different name than closed shop and leave and the people who said it'd be dropped in a meat grinder face first. Some people were responsible for this and yes they should be held trial for murder. I don't think that intellectual property would necessarily solve this issue more like fraud on their part to present their boats as being. It's fraud more capable than they were. Indeed intellectual property violations are fraud because your intellectual property violation if you say. I painted the mona lisa. This by this paintings mine. I painted it and it's the mona lisa. You're presenting yourself as someone you are not. You don't have to say that you created in order to say that this is. My mona. lisa had the mona lisa. I would have to say. I painted it. Therefore it's mine like this is physically and my possession. Therefore it's mind you've had your opportunity to to Defend intellectual property making we go on with the nfl. Because mt are a way of digitizing intellectual property yes a private and voluntary way of digitizing intellectual property. Saint people should not volunteer for it. Well they should. I think they should So was there of a star standout at this crap. Conference i probably. Oh that was the best one narrow.
"twenty four thousand dollars" Discussed on CNBC's Fast Money
"What the options market expects to see in the housing trade. You want to go anywhere. Because we've got a lot of money left right after this. Welcome back to vast money trouble. In the skies. Unruly passengers caused some turbulence for the major airlines. Actually mentioned this last night for more. Let's bring in phila- he's at the chicago o'hare airport that airport fill courtney new data from the faa shows. Just how bad the problem is. When it comes to unruly passengers. They announced another propose. One hundred and twenty four thousand dollars in fines bringing the total number of proposed fines this year for unruly passengers to five hundred and sixty three thousand. According to the faa there are reports from the airlines of more than thirty one hundred unruly passengers. Now the faa doesn't take action on all of those they investigate them but they have taken action on many of them. Seventy five percents of the cases involved passengers refusing to wear their masks or multiple off or pushing back when it comes to The requirement that you wear a mask on the airplane and in sixty of the cases at least sixty of the cases there was a physical assault. This week you're seeing the faa and the airlines ramp up pressure to bring more public attention to this issue with the airlines and airline union sending a letter to the attorney general saying these incidents pose a safety and security threat to our passengers and employees. And we respectfully request that the department of justice commit to the full an public prosecution of onboard acts of violence by the way the faa and the airlines have asked the faa three or four more referred more of these cases to the doj. Tomorrow morning. do not want to miss our exclusive interview with steve dixon administrator for the faa a former delta pilot. He's familiar with what happens in the air when you're commanding and aircraft and the passengers get out of line. We'll talk to him about this latest information also about the new efforts from the faa to draw public attention to this including a tweet. They just sent out where they basically mock the people who are not considering acting appropriately by saying. If you wouldn't act like this your grandmother's house. Why would you act like this on an airplane. So you don't wanna miss that interview tomorrow morning courtney. Lots to discuss with steve dixon. We're going to be watching that one phil and that's so funny. They just sent out that tweet. I thought i had when i watched. That video was wherever you people raised. That is horrible. I cannot imagine doing that to someone else. Complaint about the airlines were food. Oh yeah that was the biggest complaint now you have to go and you have to fight and wrestle people could spit on you and that's just warble. Keep showing that clip that guys in your town man anyway. So look for for airlines. Is this really changing. If anything i think the expectations we have when we're flying about the experience is not great clearly. I know but it sets up well for the airlines to be delivering on that. And i think. I don't think it has a whole lot to do with with airline valuations here but but clearly as we get into a resurgence in business travel and some of the things that are really to me the the multiple drivers for airlines. That's where airlines are gonna distinguish themselves. And that's where. I think they're going to actually stand out from each other and i think that's i think passengers will vote with their feet. Guy what do you make of this. I think we were you. Were on the dust when we are talking about the unruly behavior in the past. But what does that make you. Think about any of these names with the recovery trade. Does one stand out more than another. Yeah well. I mean if you're looking for play there. We mentioned this pr last night. I'll mention expedient today it's pulled off the all time high. They report a month from now. My instinct suggests you're going to start seeing some upgrades in that name as we get closer earnings in terms of the unrest and the unruly people. I mean put your rear end in the seat and don't get up. i mean. I'm this is my okay boomer moment but i remember in the early nineties i flew home from south africa's sixteen hour flight. I did not move from my seat. And karen can speak to that because she seen me fly. Get into seat. And i don't move. I suggest you all do the same thing. I like that. Yeah just put your bottom in the seat. Put your mask on you know. Mind your manners. This is just wild to me. That video is just insane. Thank you all for playing this. Tonight is one thing. Yeah please karen. We've traveled together. We've done a few things guy. Always checks luggage no matter what we could be going through one day. The guy checks luggage. It's fast boarding the plane. Or what's the why y. Check the luggage. Adding potential hiccups through trip. No i'm not. I wanna be unencumbered. As i make my way through the airport i mean people bring. It's amazing you look at the airport. Now it's like the beverly hillbillies people bring everything they owned through the airport. It's anarchy at the highest level. I'm trying to make it for everybody i always. I always wear like the biggest things in my suitcase. I'm joey from friends. Wearing all of chandler's close to save room in my bags. Because i want to be able to bring the bag on the plane. There's a system you just have to follow it system guy. I'll teach you coming up. We've got our move of the day on deck making some.
"twenty four thousand dollars" Discussed on The Dave Ramsey Show
"And buy a number two pencil. They will try to put an extended warranty on it. You know what. I'm saying because they make more money on extended warranties on by and on credit cards and nanday day. Same as cash than they do on. Tv's their money that they make is on extended warranties on financing so the car dealer is not much different so all of that is the reasoning behind this. So what i just ask you to do is take two hundred and sixty dollars worth of risk on average in return. You reduce your debt by two thousand dollars. I think that's a good trade. That's why i told you to do it. Sure absolutely two thousand dollars. Closer being debt. Free so i appreciate it. Yeah and you may have something break tomorrow. You know that right. Yeah yeah that's that's not covered by your regular warranty and therefore not covered by the extended warranty. So you're gonna be cussing daveramsey then unless you understood the risk that you were taking and so that that's but i never buy extended warranties on anything for that exact reason right there. It's simple math for me. I will self-insurance through something that gives me thirteen percent benefit out of one hundred cent dollar It's just not worth it to me I it's you pay so dearly for the coverage that's what it comes down to open phones at triple eight five five two two five jennifer's in champaign illinois. Hi jennifer how are you hello dave. I'm blessed today. How are you better than i deserve. How can i help okay. I'm calling on behalf of my daughter to see what i can do. Possibly hope her out of the situation that she has gotten herself into She's a single mom with two school age kids. She has a good job where she makes about thirty two dollars an hour and have some excellent benefits with that unfortunately She has a lot of debt and not a lot of assets in her case situation should get herself into. She bought a house that was condemned with a gentleman because she was with a significant other. Who talked to well. Basically she went along with the drank the koolade and went along with the story. Unfortunately her name is the only one on the loan and it's a personal loan. It is not a house on so much on the personal Her personal loan is right around twenty four thousand dollars the property her name. It's in both their names. Worst guber or go. Oh no he's not paying on it and he's still around. Oh yes okay. Yes repeatable think. We can help her well. That was what i thought but my question is with her debt. Is there a better way for her to refinance that as opposed to this personal loan that she has now. She needs to sell the home as much as she can. As soon as she can and pay down the loan as fast as she can and probably evict guber well. She's no longer with guber. I thought you said he was still there. He's still in the city ball. He's still hanging around but he he got only one out of this okay now. He's wanted out of this but this houses and It's most likely the city is going to make them demolish it the another another. They're gonna make the new investor demolish it because she's going to sell it. This week in google is going to sign a threatening within an inch of his life. Okay i like that. Because he he. He's a parasite as what you've just described right uh-huh yeah. He needs to sign and they need to get rid of this house. I hope your daughter is not further in debt when the smoke clears but the house is not encumbered by a mortgage. She just has a personal loan of twenty four thousand dollars so she gets eighteen thousand for dollars while she's got an extra six thousand dollars for having taken a trip with goober so it's not encumbered by a house. Well no you said it was a personal yes. It is probably gotta lean on the house. They probably didn't take lien on the property because they're probably in worth that much idea what they paid for it. It was fifteen thousand dollars. They paid for it and then she took a personal loan to do home improvements on a house. That would you couldn't you could make it livable. Maybe she's living in dollars. No no living with us right now. Okay good there's no way you could live in this a horrible horrible situation so again. My question was if there is anything that we could do to advise her ethics. Cut the.
"twenty four thousand dollars" Discussed on America First with Sebastian Gorka Podcast
"Just as offered. All of course they had to cut mike. She was standing there wearing a t shirt saying make education great again. She is the america. We need more of her. Name is limit the nets in and it's not just a viral video. She's with us right now. On america first lillard. Welcome to the salem radio network. Thank you so much. For having me mr gorka. It's a pleasure to be here. So why did you do what you did. It's incredible i love it but but why you're the first detroit no off. Who's done this. Explain your journey to that podium. Thank you I did it because you know. Our children are being a doctor added to the t- our highschoolers are graduating with a one point five. Gpa third grade reading level zero critical thinking skills and we are taking our tax money and our time and energy pushing these liberal ideas into our children's brains and we are not setting them up for success in the real world. So the reason that i spoke up is because these kids are the future of this country and nothing is more important to me than this country. So you use tough words. You talk to them about socialism. You talked about marxism explain what is happening in the richest country the richest county in america in our public schools. What what's the relevent. So what you're saying. The evidence is actually in the receipts. We have You know it's public information. Public records that loudon county public schools has spent almost a billion dollars and critical race theory training and education. So we we see it in front of our eyes. Fairfax county's that twenty four thousand dollars. Paying abraham kennedy a well known Critical race theory guru Paid him an hour for his zoom call and then spent another couple of thousands of dollars buying his books. So this isn't hidden information. But one thing. I do want to say mr gorka is that school now. See the pushback that they're receiving for critical race theory and for the transgender curriculum. So what they're doing now. In order to have parents have no idea of critical race series being taught in their schools. They are taking other words to substitute with the phrase critical race theory. The are and we. We played the video. We talked about the good news. I he was suspended for saying i will not give into the transgender ideology. The pe teacher from a judge said he has to be reinstated. What's happened to you. Are you not afraid of your future. What is the response to. Your incredible speech lit the nets. I have received so many powerful messages from the Around the county and across the country the outpouring of support has been so immense. I spoke at the board Back in march. And i received the same kind of Appreciation from everybody you know parents and teachers alike. Who are afraid to come forward. And frankly i am afraid of the consequences from not speaking out. I'm afraid of what will happen to the future of this country. The future generation. If we don't seek out because the reason we are where we are. Mr gorka is because people have been speaking out exactly. Is there any way people can follow you. Support you will. What would you say to people other parents are. The teachers who saying okay enough is enough yes absolutely. I have a platform on instagram. Where parents and teachers and students share their sentiments screenshots the curriculum with me so Followers can follow me on instagram. It's teachers for trump underscore in between the words. And if you have you know crazy curriculum that the russian your child's school send it to me. And i'm always happy to anonymously share it teaches undisclosed full underscored trump that's teachers for trump underscore between the woods on instagram. And then lastly. I i have to ask you something your family background. Is there some person experience. What made you stand up right now. why are you. The first is was to use that language. Was there a trigger limit. There was because i am a legal immigrant. i've been living in this amazing country for about seventeen years now. I was born and raised in europe. My family comes from a former soviet country armenia and you know being here in the greatest nation where we have freedom of speech. We have all the rights and liberty and freedom. I mean so much to me. And it's very personal to me because i see that other countries don't have that we didn't have that people flee their homeland for reason and if we lose america there's nowhere else to go so it's imperative that everybody gets involved whether you have children or not. Why why did i know the answer. How did i know the answer. Another legal immigrants. Of course somebody who understands from a family that seen the devastation that marxism wrought on her comes free another immigrant. Who's fighting for america. God bless you live. I want to have you in studio. Let's have you here for hour limit of a nazi and instagram teachers for trump underscore between the word that's teaches for trump matt. If we had a thousand of her everything will be just hunky dory..
"twenty four thousand dollars" Discussed on From Scratch
"I eat two cars every single day. No less than two two. They have had three so far. How many varieties as of now are there of kind bars. Think we have like twenty five flavors of kind. You were at all about the burden of choice. I enjoy your bars but i. I'm a little overwhelmed. When i might just give me four choices. I agree to very very tough challenge. Did you read the book paradox of choice. No but i understand the phenomenon. That's how i feel. Sometimes you feel paralyzed by choice. So i think we do need to look at this constantly and are balanced because when we discontinue products the first person to pick up. The phone is my brother's like why do you always continue the ones that are my favorites because you always find someone that was the biggest walmart date or the sesame chocolate and they were. I'm alert lowest turning items. But they had car following fans and so that's tricky in each of them is like your children. You love them all so you don't want to give the death joining but you have to. You have to discipline so returning to the early days of kind here. You are like willy loman selling your your piece works. That's from death of a salesman by the way for him. Selling your piece work too. Well i can tell you my willy loman moment please I'm in walled bounds. Which is a grocery chain. Their headquarters on luke around. It's all vinyl furniture from the nineteen sixties. Everybody's surrounding these like fifty years older than me and they all have sampling suitcases like mine. And i'm like. Wow what am i doing with my life and this was a very tough moment right before the launch of kind little did i know data after ten years of killing myself. Success was just around the corner. Oh my god we've been trying so hard and he just hasn't worked out if mediterranean spread company. Yeah with with the military's brazil. Great province but there was a very small niche. And there's a thousand things that i had done wrong and i'm just like wow you know i throw away my lava career. My daddy's worried my mommy's worried and my ever going to get married and we're going to have children but i really you know we're not having such a difficult time making ends meet just being able to make payroll and just take a twenty four thousand dollars salary for many years and many months i could not even pay myself My my monthly Portion and then you know couple years later sunday kind we would finally hit with kind and then he just expose it just shows you when you believe in something you should be careful not to give up because he can be just around the corner in that dark place little. Did you know that the success of kind was almost in your grasp. You continue to go to door to door still after over a decade of this piece works company. You were fortunate though because you had this distribution network in place Albeit small that the mediterranean spreads. Where's the trojan horse for your kind bars. We were fortunate double that people liked us that people are these guys deserve a break and i think that was there was a lot of goodwill in there If you had asked me the year one we'll launch kind whether i knew that was going to succeed and be explosive. Course i believed in it. Otherwise i wouldn't be doing it but i to be sincere and i consider myself. A person has a good vision and can dream. I could have never imagined that kind would become what it became. One of the innovations of kind was that they were actual nuts and fruit and that they weren't pasty. Why are so many bars. Historically the are sold in retail kind of that. You know that pasty consistency. Well it's easier to run product through the line if it's a pace during the motion it's called a slob barring their space because it goes slobs of that falling the shooter and they are homogeneous and they'll run through the line very efficiently so it's a very efficient way to ron a of product very fast and when we came up with the temerity to try to think differently a lot of times. The manufactures that we approached said. You know it's not practical for us because you runs are very low and so much less efficient to run your product. It was hard to convince not just the manufacturers but even the retailers we would go with our products and show them our whole nut and fruit bars. And they'd say yeah. Where do i put your proximity well next to all these other nutritional bars no no no. That's not a nutritional bar. Let me show you what the show looks like. And they chose the. Are this lab arson. He was very hard to convince them to give us shot in those sets. You are selling your product that you would say that you could Whose ingredients you could see and pronounce and Why was the clear package You know such an innovation. Why were there are packages. Before i mean. It seems it seems like common sense but you know what. What's so what's what's the big deal the most Obvious things may not seem obvious before they're done right so when when we were doing it. The conventional wisdom was that you had to use a paik film to prevent the problem from oxidizing from losing moisture. And that you needed to use aluminum foil or other opaque materials. We worked really hard in creating clear operas with technology that he could have all those properties through clear from. It's actually see deceptively simple. It was very hard to achieve that. I'm jessica harris. You're listening to from scratch. my guest is daniel. A bet.
"twenty four thousand dollars" Discussed on The Toasty Podcast
"It's so much faster and easier and people buy into it a lock one more readily right right. Though it's it's going to go into it to climate change in the gonna say it's it's a climate crisis now cova crisis climate crisis. We could like the whole world will be dead in five years if we don't do something now. Yeah until they're going to say yeah. You don't care about your children. I do care on which and that's why i care about the national deficit. Because that's what they're going to have to pay though earlier. Interest rates are going to be high. Their taxes are going to be high. There income's going to be stagnant and their Inflation is going to be high. The cost of living is gonna be entire than ours. You know like oh. I bought my first car. Twenty four thousand dollars and they're going to say. Wow my first car is gonna cost me. Fifty grand because Price and cars exponentially going up double. Yeah i think you're right. I keep holding out for this long. You know everyone holds out for this. We talk about this all the time. Texas will say we always talk about the stupid crap. But you know i keep holding out but like since we're already we're already here..
"twenty four thousand dollars" Discussed on The Toasty Podcast
"So that just kind of gives you a basic idea of how for cars have come like six thousand over. What supposedly the inflation. But you're also. I mean okay. You're also adding like features and stuff like that too. But i ask for sure. Yeah safety and ac and you know honestly the mile probably worse. Because maltese had like because they'd have anything on them right. This great thing that could run and it was fine. That's one thing i've heard about. Is that older cars actually. Better like really the first course. You'd better gas mileage. Because there was nothing else going on. There's nothing else on them. Yes that's just the engine. Oh you didn't think there was like one right exactly didn't even have altered but it also only went like what twenty miles an hour thirty miles an hour or whatever it was forty forty about forty five forty forty four marina ahead. But i don't actually know which. So here's here's something else interesting from. Dummies dot com. Okay we use only the best sources so so. The median household income in nineteen sixty. Seven was seven thousand dollars. Seven thousand one hundred and forty three dollars. Yeah today. Roughly the the median household income of america's about fifty five thousand dollars the median household income for norway's about sixty five thousand dollars the median household income for south america. I think is around eleven to fifteen thousand dollars for the entire continent of south america while in africa. It's probably below two say eighteen fifty five thousand dollars and your by twenty thousand dollar car. That's like you know almost half of your income and eight hundred twenty five dollars versus seven thousand dollars. People are financing cars for eight years right. But you didn't have to finance a model t for eight years now. You didn't find anything that didn't exist. I was gonna say there was no five dollars. They had financing for houses back. Then did they don't know they might have done the whole. They might have been wrong. Shake agreement like sellers financing. They might have come up with that. You know lawyers owner write this up. But that's all. I can think of so the happening in the minimum wage was a dollar forty an hour in the same year average. American home cost was twenty four thousand dollars.
"twenty four thousand dollars" Discussed on Pool Pro Podcast
"Smarter than me will die. I got allow a lot of problems. This guy smart he listened. He listened to fred in east at all. I'm not gonna take it all out. So he only paid himself four grand a month any left the money in the in the business he left eighteen grand in the business so now he had six. Let's say he had sixty four hundred lamb in the company from the prior three months. He had this banner three months now. He's got almost twenty four thousand dollars cash in the bank in his business so when he looks at his checking again he's not i. Yeah i got money in there. That prepaid himself okay. So this is the two huge differences in the to your disbanded every penny. Act common in on your income statement. You're not gonna build equity in your company. You're going to build any value in a company that make any sense okay. So this was critical talk. That's my three so take away from this or go ahead again election. Don't okay so you're casual strategies here or this this number one..
"twenty four thousand dollars" Discussed on Pool Pro Podcast
"Thousand but you netted thirty five thousand. This is your statement that you really wanted to get technical or some other things we can throw in there like if you sold off an old truck or something but this purposes to keep this simple we. We just kept supple. Maybe it's old mold to by got next to two hundred bucks or that would be the gain or loss on the sale of an asset. It's kind of some advanced accounting things but basically your net income is about the same about thirty five thousand dollars okay with gobert are cashless. David them so net income from our profit and loss statement or income statement. Some people call it. Both is the thirty five thousand two to five. We just got from the other income statement though when you have an increase or decrease your cancer sable so with this means your cats receivable increased. Because you've got a banner month you're putting in a bunch of pool you're doing lottery pairs Sales salt systems. Whatever it is and you build those customers okay so when you bill customers the time between you bill them on time between they pay you. You're loaning them the money. That is a use of cash. this is all sideways. Because dan we're going to double down on this minute so You have so the thirty five thousand you loan thirty thousand year customers because they haven't paid yet right you but as c. p. Made you pay off your balance because you know a that big spike you had. That's not normal. You don't have that big line of credit so you had to take some of that. Pay them off. The bottom line is you. Spent four thousand three hundred seventy five dollars more than you bay. This is why today's point. While i had this record quarter. Check out any money right why this is why you don't have any money in your checkbook. Even though you're count near book abor somebody says you re really rocketed you. Just make yourselves gray. This is why now in this case you thought you were killing it so you got an employee while you're really roll into you up you're paying now you're paying yourself six grand a month at the end of this period you're broke. You have a serious cash flow problem. You spent twenty four thousand dollars more than you have right either you are..
"twenty four thousand dollars" Discussed on Transition Virginia
"Which of the skills have translated the most well. It's not unprecedented to do it. Delegate lee ware. who's been around the house for more than twenty years. He was a former reporter and editor new hampshire delegate. Shelly simon's who i ran in two thousand fifteen again in seventeen and was finally elected twenty. Nineteen she was a newspaper reporter in south america actually ecuador and like the late state. Senator john miller he was a reporter. So it's not like reporters had run virginia but it tended to be that you didn't have a lot of nationally known state legislators who happen to also have been reporters and that's one of the very unique things that i actually brought. The table is that we were getting a disproportionate amount of media coverage in. I knew that it was going to be a story you know. Transgender candidate runs against a bathroom. Bill author either like. Yeah no kidding. So the skill sets that. I was able to transfer ability to research to write to ask questions research more. Ask more questions. Come up with the first draft. Go through an editorial process. Come through with the final copy go through a publication process and then going in defending your piece. All of that is lateral at the same time he is. I covered my district for more than nine years in from here. It was a real help for me to be able to put together a very hyper local platform based on the experience that i had developed as newspaper reporter and so after ten and a half years of professionally reporting four years of college and even to internal classes in high school and such. I was at a point where i was making twenty four thousand dollars with ten half years of experience as a newspaper editor. Which was the same amount. I was making as a rookie reporter in two thousand six. I was working two jobs one thirty hours a week. Fifty dollars an hour another weekend through delivery job for five dollars an hour plus tips just to try to pay the bills and i was. I was burning out. I was just. I needed change at that point in when the call came in from wwltv sullivan asking me if i would consider running the day after don shaw rinjani fifteen had asked me to do it. It came in at the right time. I was ready for a career shift at that point. But i would tell you. I miss being in the newsroom every single day by getting that he'll pass last year. That was that made a better and get her. I'll ask you the same question. Could you tell us your story of deciding to leave journalism and what you found. Traits and skills have translated the best to being an elected official Yeah sure i mean. I i wanna ta. We were talking about how. It's un- common for reporters to run for office but does not happen in hawaii in two thousand to know what happened in hawaii in two thousand and two in hawaii in two thousand and two about a half dozen reporters either at local news stations or the paper or nationally c. n. n. decided to run for office. There was a guy who ran for a state rep who's reporter at k. h. o. Win a former cnn and local tv journalists ran for lieutenant governor a another former tv reporter and producer who ran for city council a reporter ran for state senate a councilman. Who was someone who ran for council as a reporter. That's happening in two thousand and two in one year. And i don't know what happened in that year but when you read the news articles about why. They decided to run for office. There was a lot of the same stuff that i was mentioning the at the beginning. Which is that a lot of people who are reporters. They might get frustrated with the things that they see in politics and think that they wanted to go in and try it themselves. And i don't think that it is rare and it's early you know rare in recent memory that i can remember except for for danika in may but at so bizarre to me what happened in two thousand two in a way when you had six of them decided they were gonna leave their jobs and run for office. I've often thought covering the hawaii state house would be. Pretty sweet gig right. I mean like the former colleague of mine anti-cook lower rates for all hawaii news And i love seeing her updates. I bet hawaii politics are super fund to cover but but delegate her talk about your personal story though making that decision to leave the profession that you know you have done basically all of your professional life. What was walk us through that decision. Well it's kinda painful for me to talk about And it's really kind of unique in strange. So i i wish that it has maybe some greater meaning towards kinda this notion of why reporters may decide to run for office. But you know. I've been twenty fifteen thousand. Parker adam war were murdered at smith. Mountain lake live on television. Alison i were dating. At the time. We just moved in together and i went back to the tv station About ten days after the shooting had happened and You know every single day at the tv station was incredibly difficult. Because we met at work we fell in love at work and then she died at work. And then i had to go back to work every single day after that so at some point you just get really sick and tired of that and you wonder if there is a way for you to move forward and make something of your life when it was kind of all taken away from me aside thought about going to other markets you know. I had people. Because i i started as a reporter in in washington state in two thousand nine in eastern washington home of the world's largest nuclear waste repository the hanford site plan a the nuclear reactor where they turned all of the uranium and plutonium for the nuclear warheads while at turned out to be the biggest toxic waste cleanup that we've ever seen But it was out in the middle of nowhere and got caught in tumbleweeds storm my first day there. And what the hell am i doing here. Making eighteen grand a year and was there for about a year and then got the job in roanoke and started as reporter And i did mostly reporting when i was in college. That's all i really wanted to do. And then the guy who had been there thirty years keith. Humphrey and institution in western. Virginia retired and they made me the the six eleven o'clock anchor. It was crazy You know the newspaper headline said when keith humphry got the job at channel seven chris i wasn't even born yet and And so the whole time of my tenure at channel seven was first about proven myself In about working hard in about actually doing investigative reporting going down to the courthouse nearly every day. Searching through search warrants. A doing all of the stuff that is sometimes lost than differ newsrooms around the country and then alison was incredibly happy. You know the tv koppel and And.
Uber Ordered to Pay $1.1 Million for Discriminating Against Blind Woman
"Uber has been ordered to pay one point one million dollars after an arbitrator ruled that the rideshare companies drivers discriminated against a blind woman and her guide dog more than a dozen separate times lisa irving. She lives here in california. She said she was denied. Rides or verbally abused by drivers fourteen times from two thousand sixteen to twenty eighteen in one of her accounts they tell her to Get out of the car and try to force red car. I don't know if it had something to do with the dog or not but she was ordered three hundred twenty four thousand dollars in damages and more than eight hundred thousand dollars in attorney's fees and court costs uber of course argued that it's not their responsibility and You know this is. This is an issue not theirs. But in two thousand sixteen uber settled lawsuit by the national federation for the blind to ensure that passengers with guide dogs are given equal access. So that's gonna cost them another
"twenty four thousand dollars" Discussed on Politics: Meet Me in the Middle
"Issue fallen to you know a bad health condition so you don't want to take away health insurance the insurance critical here just because we have a euboea. I'd say there's a good case to be made about replacing all forms of welfare with a uba concept. It's inefficient when you have aid to dependent children here food stamps there. I think it makes a lot of sense. And that's a trillion dollar savings gene. Right and i think that that basically there's a lot to be said for it but i'm also someone who believes that all these great ideas are nothing more than talking points unless you get them adopted. And so for that reason i would favor more of a means testing approach in fact a radically i would have favored means testing for social security very generously that so. That's a difference. It's a change in the contract. The contract that we had back during the new deal to get social security. Was you put your money away. And you'll get your money back. And they created quote the social trust fund. Which of course is a joke because they keep reading it for the general revenue so what we would finally do is come to an awareness that that was a fiction. That's never really been practiced and what social security is really about is providing the elderly who need that support universal basic income with means testing with universal basic income. Jane you're going to end up having to sell a much higher tax cost to people who have money and it's going to be a lot harder. I'm not so sure ville well in define what you mean by means testing income above a certain level. That should be very generous. There's no need there's no need to pay them but you're still gonna tax them so it's going to cost them more money in the end and as a politician you're gonna get killed. You'd have to run the numbers side. Just wanna make sure that everybody understands that. We've most your day plans. That people proposed the way. If it's fine so let the seller financed ones that you know somehow find a way to pay for it. Most of them come. We've assistance such that high-income households pay more than when they get from the upi and so one way to perhaps cannot tried to get at that without looking like increasing taxes is to only give people the net that's two ways of doing a ub people end up in the same place. One way is everybody gets their twenty four thousand dollars. Let's let's say and then they asked to pay a certain amount of taxes that overall is going to finance that and then it's very apparent while both you get your benefit but at the same time your taxes look high because they have to pay or instead and that's more similar would look more similar to what you're saying jane. Is you only get the next. So you know you're looking at your tax liability minus your twenty four thousand dollars and whatever that is you know you just get the net and depending on how extinct that bay you. The net might seem more appealing. Because it doesn't look like taxes have increased. Imagine it looks more like targeted benefit because then the low income you have you get a benefit is your high. Are you know you might see an increase in your taxes. And the simple reality is you have to find a lot less money to finance a means tested you be. I does simple reality..
"twenty four thousand dollars" Discussed on The AIB Show
"Is no there is no general. Thought it's so frigging at hawk. It's like schools are okay but not this hospitals okay schools only okay up to a certain aides not okay anymore And while you're doing this if you can go out and raise money breath and this that or whatever else that's cool because we can't give you the money but we're fine with with spending other people's money you can get donations and that's okay but the government donation that's not okay like older healthcare for also to everyone. Will you know. God forbid to free healthcare. Now it's always the person by the way who doesn't need the healthcare this finding that situations when you need it you want you want all the freeness you can have because when you go to the doctor and you come back with bill. I know you've because i am right. So there's no f ing way. You're telling me that you know what i will pay my fair share and i don't want the government involved. You're liar right so i i would like everyone. Who's who's railed against for example bernie or the left for socialism. I'd rather real against him for something else. Because it's not something that you may find that is factual not find that as factual but to really answer that then you don't take your kids out of public school literally. Yeah feel free to help them. Well people are doing that and you don't do anything but my point is private to take your kid out of school. If if you're this vehement and adamant adamant about this i mean. Do you think anybody's now. Twenty four thousand dollars. They make coming in front but he's running that down. Throw my ad. They'll use this to buy more proper hypocrisy. As is the case. So miami again at the forefront of the foolish things that will happen throughout politics in our country and speaking of south florida's well marco rubio. Who is another horrible person. Along with ted cruz. Who's got yes again to despise. But so marco rubio. There's actually an article. There's written in the atlantic and quotes saying that it goes he knows he's being inscribed as one of the villains of us history one of the saps and weaklings of america present trapped helpless and embarrassed. He seeds with resentment about the predicament. He cannot see a wait to escape because he brought it on himself..
"twenty four thousand dollars" Discussed on Discover Music Channel (Discover Music Channel)
"One at twenty four thousand dollars. So take that system sucks you stupid judge and you stupid officer or any offices that was involved with arrested. This woman for stupid nece suck it The go fund me was originally. Suppose only is five thousand dollars on it. Overwhelmingly surpass the amount requested. Look at god only do that way app. You only do it. My were how hope proud thinking that jobs gonna get away with some keep it on a good no a scud made that women thousand air yes out to everyone who bless her to four thousand people. So she's gonna get money Thankfully she still hasn't technically declared legally because she could face up to six months in jail The fine of course would be nothing for an hour but she of a court hearing. And i hope that goes well for. Yeah gimme on business. After i'd outweighed away to school your dog anything bad. This system needs to get torn dali board by board. The system is to go. It is broken. It is broken the injustice that people have been receiving for the last two thousand years alone from this system. It's broken it's wrong. You people should be ashamed of things that you do to innocent people no pride what's level and you think you're doing the right thing the hell out of you. You're not you're doing the opposite of the right thing. Which is the wrong thing right. Yes yes that did doing the wrong thing boy. So let's thought a memory segment not kia charlotte memory. What doesn't exist. What what do we call this keys. Alliance memory segment. Why the title low keys and lines memory. What how many syllables is that. A trip down memory lane assistant sounds lame. It sounds old actually memories of geisha memoirs of a guy's style stories on bro started with you. Okay up episode one. I december twenty six twenty nineteen keells jotted memory started with this guy all right now he doesn't want to do it for whatever reason what i'm me no modified trucks we're calling. This kills childhood memory. I what made you feel bad about it. Sorry not sorry you suck all right. So here we go. Put that pitch up cheese What side got a memory He has a memory keel has a memory gate gimli. Thanks thanks so this was asked me off. This is in two thousand eighteen Out gonna say who. I was Staying with because donald reveal too much personal information But i was so fairly park down like so fanhi pop down. I guy was out of a job. And i would open money. But that's a story for another thirty very down So far don. In fact that i didn't have money to buy toothpastes on of course and brush my teeth because person I went in this person's room. You know to use the toothpaste the brush my teeth or oh on. I put the toothpaste toothbrush lines and started to brush. Matete went wild. Because i wanted my pearly whites swat it only things. I haven't been like I noticed as is brushing the early whites. I didn't feel no meant I started to wonder what was going on. You see what i'm saying. So i spouted out. I didn't rent yet. I spotted out because it didn't make no sense when i looked at the tool but a toothpaste. The secret series expired us of them. The toothpaste reads this anti itch for genital area role lesser to be by data. I'm own by dress ed. Total yes oh no is dang no but yeah that was horrifying experience experience with you. Go enjoy your life is horrible. So you know i wash my modal like crazy. Goodness abo- uppers a cable. I put the thing to. They'd that are so. I did end up using facebook little too late. Show you ladies in the future. That'll be kissing. He'll i of brush my teeth a lot since is ready because been clean. Not least that. Stop kissing another genital bourbon Oh who who turn see this scammer. Still operating goud said ariza's one time. I suppose sing at church. Writing and the church are two services at seven o'clock service. No the ten o'clock service for whatever reason they wanted me to sing. I hate singing. Gimme on stage to bust some hip hop music rock music. Hell yeah i'm down. They wanted me to sing some people within thailand from. I think tommy awesome letter so you know they sing with me in the first service and in the second service. Whatever reason my michael off bro. And i'm singing i move. I'm holding his dead. Mike and i'm singing and the music in the background is playing and i am budget. I'm like i'm not getting the next microphone. 'cause i don't want to hear me sing and then it it's time for me to talk. Then i go to the next microphone and then i spoke made everyone say amen. I walked away proud l. with a smile on my face so you intentionally did no. It wasn't my fault. See the public you can of the situation. Yeah but nah. I was at wisconsin. Knows if the sound people doing their job sound people. We're doing that realize the problem on you failed when i was into you. Think i'm gonna just be like i stopped. Can you rewind the song again. and then i'm gonna take from talk with this good microphone. Negga hell no next time. Gimme a good mike on go with the flow. And i'm mike do would end the audience. Cigna wrong well didn't see the wrong part. He's saying the right part. He sang a part though was melodist to mind and i saw the audience heard it in here me and i'm okay with that because the sound people they messed up a messed up and then in north america flute many went to the next one and i was good enough. Me didn't want to be heard. Anyway i'm okay with it now. But i didn't want to do that song. Even they was were gospel songs. Just because one of my favorite didn't mean i was asking to sing it and that's my childhood memory. Okay spot i notice. We going out with.
How often should I increase my rates?
"So doug asks on cuny wednesday. How often should i increase my rates. Last time doug increases rates it was all over eighteen months ago. So it's in my opinion time to do so. I actually think the maximum time. You should wait before you increase. Prices is eighteen months actually. I think you're just at the point where you really really really should be increasing prices. Especially if you're doing regular work this whole time the value you're giving your customers day in and day out now project after project is getting better and better every day and therefore you should be charging more for the increased value. I want to address A little bit of doug's of raising his prices he does own a ternary his existing customers. Ona discourage them from working with him again. I want to tell you from a customer's point of view. Who hires a lot of freelancers. That hires a lot of employees. If i work with somebody who delivers who. I come back and work with again and again. My biggest concern is not really them. Increasing the prices. My biggest concern is that they're not gonna be able to do. The work might have to find somebody else. That's really my worry paying a little bit more in order to get the same town. Does he get the consistency to get what i expect. Is a very very small price to pay. Many people. Don't realize that from a company's point of you from our point of view consistency is so important knowing what you're gonna get Having expectations and having them fulfilled this is incredibly valuable them so they don't wanna let that go and if you say hey My prices have gone up by raise. Gone up it's not out of this world. You know this is normal. Anybody who believes the service or create any kind of content. You know musician makes more money today than they did. Three years ago because they've gotten better as a musician or an athlete or any kind of professional. Like i mentioned a doctor lawyer. A service provider plumber and again from my perspective as somebody who's hiring somebody to do a service. I'm okay with paying more. If i'm getting good work done. I actually found that higher rates are not discouraging to actually things. I look out for actually want somebody who charges a bit more for example. Your website developers. Somebody comes to me and says hey you know. I charge eighty dollars an hour. You know that might seem expensive. But that person charges eighty dollars. An hour is experienced. The know what they're doing and they're probably going to be able to complete the project faster more efficiently And more accurately than somebody who's charging maybe half that forty dollars an hour depres is going to take a lot longer is going to have a lot more roadblocks and may not be able to do the project as well as somebody who is charging much more so sometimes you actually save money in the long run and serious buyers who aren't so price sensitive are the kind of customers you want to attract so in the long run increasing. Your prices are really going to help you. Increasing your rates so minimum increase their prices every eighteen months. You can even do it every year. But that's kind of my recommendation chain a year eighteen months now how to do this well. It's very simple the next time you engage with customer you can just mentioned it. Hey by the way last time this was my rate since then i've increased my rate. It's currently this over this project. It's going to cost x. Amount of money and stop talking or stop writing a lot of people that go on and on. Is that okay with you. I hope that's okay once you is that okay with you. Ask a question. Is that okay. That is opening up a negotiation. Because they can say well actually you know if you just say it as a fact. This is my right now. This is how much it cost now. And there's no question at the end of it people gonna be like okay. That's what i gotta do now. Many service providers have done a to type pricing strategy to. I think is really good Actually increase the prices for new customers at one rate and recurring customers or a returning customers than others. So for example they'll take their rate in the increase by twenty percent. That's the new price for new customers so people that don't know any better. You know know your first price. Best the price they know and four returning customers. It's fifteen percent and you can mention this to your returning customer. Because a hey buy. New prices are twenty percent higher. My new rate is such and such but I can give you a return customer discount so it will be so so and so it'll be only fifteen percent more the shows that you respect loyalty and appreciate their business and then hey you're giving them a little something special. How much should you increase. Will it depends on how often you increase your rates. Let's say for example you're increasing. Every year i would say no less than five percent and no more than twenty percent any more than twenty percent. Twenty five thirty It becomes a dramatic jump. This is why it's more Advisable to increase their prices every year rather than waiting every two or three years because then the jumps are going to be quite high but even fifteen or twenty percent increase may not seem too high but will make a big difference for you for all your clients so say for example. You're alary fifty dollars. A twenty percent increase is only going up to sixty dollars but across all your hours across all your customers. It makes a significant difference now. One of the things i recommend is when you're delivering the change of rate to are turning customer. You can offer them to lock in a longer term package for example to have you on retainer so say for example you say hey. My hourly rate is now a hundred dollars. is usually increased my rates every twelve to eighteen months. But if you'd like you can lock in this rate for the next two years if you want to. But you'll need to commit to a certain amount of hours on retainer month so you might say i need to have ten hours on retainer every month. That means a thousand dollars every month. That means a twenty four thousand dollars for thirty two years and this can just be a retainer Four any kind of work that they need to do Maintenance work update work and then anything outside the retaining hours you can charge them early at the current rate and people that like to work with you would like to lock in a great rate that they can have and have predictable pricing for the next couple years. This could be done in a very low pressure just by the way. Here's something that i offer and you'll be surprised. How many of your customers. We'll take you up on it. Because people like to save money. People liked to lock in a discount more on today's cuny wednesday but before that. Let me love to sponsor support for today. Show comes from our very own whether ninja looking for a webinar platform to host. You're alive tourelles classes or special events feeling. You're stuck on a never ending journey to find that. Perfect webinar software. That's not gonna break the bank. We get it. That's why we created webinar ninja and all in one of our software that allows you to host live. Automated hybrid series webinars. All in one place women earn injure also has built in tools for marketing and selling your digital products during and after your webinar. Whether doing a live course a sales webinars or building your email this with automated webinars. We have everything you need to get the job done. Each plan includes unlimited registrations and webinars. You can also insert recorded videos right inside your live. Events energy has been ranked as a top weapon or software for the last six years. Not only because it does the job but it does it well and it's easy to use some user say it's the easiest software they've ever used want to check it out every week. We run a live webinar demo and we walk through everything whether or ninja has to offer. So you can find out if it's the perfect weather nor software for you. Just go to webinar. Ninja dot com slash workshop. To sign up for our next live demo. Again that's webinar. Ninja dot com slash workshop to answer. Doug question on cuny wednesday halston. Should i raise my rates. Well like i said you shouldn't wait more than eighteen months. The sweet spot is anything between every twelve and eighteen months and you can increase it as low as five percent up to twenty percent and as long as you consistently do this. Every twelve to eighteen months you'll continue to be able to charge more and earn more based on your increased value.
Inequities Of The Pandemic
"Right here we go four inequities, the covert pandemic I up growing racial and ethnic inequality according to a recent survey by Pew Research. Throughout. The pandemic. Black. Hispanic. Families have struggled to make payments on their bills, things like health care bills or mortgage payments more than white families. One clear reason why is that black and Hispanic adults have been more likely to lose their jobs than white adults but another big reason is that white households had so much more wealth before the pandemic. Here are some staggering data points as of last year the median black household had about twenty four, thousand dollars in total wealth and the media. In Hispanic household had just a bit more about thirty, six, thousand dollars but the median white household had a hundred and eighty nine thousand dollars in wealth. That's just a huge gap. Also, white families are more likely to own shares in the stock market and to own their homes, and since both the stock market and home prices are actually higher. Now than they were before the pandemic wealth inequality has almost certainly gotten even wider, and this also means that white families just had more of an economic cushion going into the pandemic they had more savings and more stuff they could sell to help them get by when the. Economy started to go bad. The second inequity exacerbated by the pandemic is a pretty straightforward one people who make lower wages have been much more likely to lose their jobs because of the pandemic then people who get paid higher wages a big reason for this industries that pay low average wages, which include jobs in restaurants and bars and retail stores have themselves been more likely to have shutdowns or lose business then industries that pay wages like finance or law. In fact, people who work in these low wage industries are roughly three times more likely to have lost jobs since February and to still be out of work than. People who work in high wage industries, and that trend also overlaps with the third inequity, which is about the labor market for people with different educational backgrounds for adults with college degrees. Their total number of jobs is almost back to exactly where it was before the pandemic even started but there are still twelve percent fewer jobs for people with only high school degrees and eighteen percent fewer jobs for people who did not graduate high school, and there is another really incredible statistic that gets at the difference between people who have college degrees and people don't, and that is this is the ability to work remotely way from the office. Sixty seven percent of college graduates who have jobs can do those jobs from home for high school graduates. Only twenty five percent can work from home, which makes it hard for them to keep their jobs at a time of social distancing and business lockdowns. And the fourth inequity is widening gender inequality. There's more than two and a half million fewer women in the US labor force. Then there were before the pandemic and being out of the labor force by the way means that you don't have a job and also that you're not looking for a job possibly because you have other responsibilities like tending to a sick relative or watching the. Kids and women have been dropping out of the labor force in much higher numbers than men since the pandemic started. So explanation for these differences is that women are heavily concentrated in some of the industries that have had the highest losses things like teaching food service working in hotels. Another possible explanation is the pay gap between men and women women earn less money on average than men. Do, and so in couples where both spouses work, it can end up making more economic sense for the women to step out of the workforce if someone has to stay home and care for the children or the home, and in this pandemic, working mothers of young kids have been roughly three times more likely to lose their jobs than working fathers.
US States with few virus cases get big share of relief aid.
"Alaska Hawaii Montana and Wyoming not epicenters of the corona virus pandemic yet. These four states scored big this spring when Congress pumped out direct federal aid while the two hottest hits States New York and New Jersey comparatively little given the vast numbers of cases and deaths they had seen analysis shows that states with small populations like these took in an outsized share of the one hundred fifty billion dollars in federal money that was designed to address corona violence related expenses when measured by the number of positive tests for the Kovic nineteen disease their whole ranged from two million dollars per positive test in Hawaii to nearly three point four million dollars per test in Alaska in Wyoming with less than six hundred positive cases. The one point two billion dollars it received from the congressional package equates to eighty percent of its annual general state budget by comparison New York and New Jersey received about twenty four thousand dollars and twenty seven thousand dollars respectively for each positive Corona Virus. Test other states with high numbers of Corona Virus Cases Including Massachusetts Michigan and Illinois received less than one hundred thousand dollars per positive case. The money for state governments is a slice of the two point. Two trillion dollar federal stimulus passed in late March but in the corona virus fight the disproportionate share going to small states has consequences states with high numbers of infections and deaths say they need that money for immediate expenses related to fighting an outbreak that threatened to overwhelm their hospital systems from staff overtime to setting up makeshift hospitals. Some states with relatively few cases have been able to reopen their economies faster and have more options on how to spend federal largess many now trying to determine how they can spend the windfall while keeping within the federal guidelines
Source: Cowboys, Dak have returned to table
"The NFL dak Prescott the cowboys return to the negotiation table for the first time since the cowboys used the exclusive franchise tag on Prescott a source told ESPN's Edward Prescott was the first cow boys quarterback in team history to have the franchise tag applied to own a team source told order that the NFL currently shows a twenty six million eight hundred twenty four thousand dollar charge to the cowboys salary cap for Prescott even though he is a sign the franchise tender sources previously said the primary issue between the sides contract length the cowboys won a five year contract Prescott his agent Todd France one for the reason the cowboys want to spread the
Los Angeles - Ex-LA City Councilman Mitch Englander Pleads Not Guilty To Corruption Charges
"Former LA city councilman Mitch Englander is free on a fifty thousand dollar bond hours after he was arrested in a federal corruption case the forty nine year old Englander was in federal court in downtown LA today to plead not guilty to charges that he lied to FBI agents prosecutors say he took thousands of dollars in cash and gifts from a businessman during trips to Las Vegas and palm springs KPCC politics reporter Libby dampen says according to the federal indictment Englander allegedly later tried to cover up those gaps including lying to the FBI repeatedly according to court documents having a staffer right a backdated shack that reimburse the businessman for some of those gaps and we're talking about you know of a very fancy trip to Las Vegas with the twenty four thousand dollar bottle service at a club ten thousand dollars in an envelope twenty five hundred dollars that allegedly a bill for drinks and dinner and a few hundred dollars for two escorts CPCC politics reporter Libby dank bent the federal indictment says the businessman involved in the case cooperated with the FBI Mitch Anglin represented LA's twelve city council district from twenty eleven to twenty eighteen he stepped down in the middle of his second term to take a job with an entertainment and sports facilities
Should I Pay Off My Mortgage Early?
"I got a Hana on the line. Hello how are you. I'm well I'm not kidding. You already ready. You speak in my love language girl out like you already. What's on your mind? Well actually My current focus is dead debt. Free Scream I want to get on that stage ages. I would like to save and invest my way from a thousand air to every day. Millionaires around with being a thousand there. But I like to try that multimillionaire multimillionaires status if I'm liking. I'd like to which brings me to my question today. I could know if it's a good idea. Did a pay off my mortgage. Initially I wanted to ask about paying half but I'd like to know if I can pay off the entire mortgage right now but balance of the mortgage. She's a hundred and four thousand dollars and the interest rate that I'm paying right now is about four and a half percent during my income is about one hundred and ten came bouncing a year and I say Me Back up so I'm all all the way through all the baby steps up to number six at babysit you say well Actually I only had a car and On November Number Fifteen I was paying my credit card statement and I somehow ended up on my November. Two Thousand Eighteen The total I had paid in credit card and I I was made that point. I was done how much how much honestly that year I stayed in credit already card fees but the total bounds with like twenty. Four thousand dollars. You yeah scores. I was one of those ones where I was like. Oh well I'm GONNA bite it anyways out there on my credit card and Dan for it right. Hey I liked that and not only. Did you recover. You've moved forward so all right so you. Are you a saver. So how much do you have in savings right now. How about a hundred and twenty six thousanddollars? What how did you? What have you been doing? No when I want to say yes code on the almost eleven from you saying no one. I'd like to ask a Song Sean. Can you say. Can you sing. I'll call the morning. Okay I can't I arcade either Bob My producer on beacon saying I can't sing but um what you girl so you got one hundred twenty. Six thousand dollars saved up. You have been intentional. What is is this money's supposed to be for well actually The plan was to get to the point where I was at least liquid about one hundred thousand dollars so I just kept going okay. Well you know credit card thing made me so angry. I decided that I will pay the house off but I wanted to add to seek wise council. That is amazing. So how much do you have currently saved toward retirement. So right now have about one hundred and eighty hours Al Hea Okay and how old are you. I'm forty eight years old and I was very much on the conservative side for a very very long time and so I just recently started doing something a little bit different so good. Tell me this. How much is your mortgage payment? Each month right now with principle is insured for it and taxes about nine forty or okay and it's taken you how long to save this one hundred twenty six thousand Probably he just over a year and let me explain that. So I'm a single parent. Cashflow my daughter through college or whatever wasn't governance dollar ships I paid paid The rest in cash and then we will live in different places. Because I'm in the military so I had the manage to how hopefully Into different location location. What branch of the military or UN Navy and you've been in how long a total Thirty years but that's been active and reserve. Okay my goodness well. Thank you for your service. Here's the thing I love what you've done. I love the phrase saying no. I won't say yes. You've you've been intentional. You've attack debt. The thought of paying off that mortgage. Here's the thing it's going to be a game changer. But Shana you're GONNA have to reconcile this. You've got that big dollar or amount sitting in that bank account. Are you going to be okay right in that. Check and that dollar amount shriveling down to about twenty six thousand I e because I'm GonNa love and my living expenses for us in comparison to what I take home in is nothing real. Well I oh yeah no not only. Can you do that but young lady you write the check and pay off that house the mortgage payment you were paying put it back back into savings take that nine hundred and send it back into the savings and guess what in about four to six weeks. They're going to send you the deed to your house. They're gonNA send you this thing. It's a beautiful envelope right. I'm telling you it's pretty. You're open it. I'm did you open it all gentle and everything because you're GONNA won't hold onto it so yes without a shadow shadow of doubt you single mom rockstar. You pay that thing off keep moving forward. You're serving your country but you're also serving a legacy and I I am proud of you and yes you should pay that thing off and yes you should go do some fun things and celebrate in a way that you never have before. It's time for you to start saying saying yes to some things because you can do it. I'm proud of you and thank you for calling in. VIP's I'm GonNa tell you something. Sahana is an absolute testament to what can happen when you make a decision. It doesn't matter where you come from. It doesn't matter where you went to school. It's about the decisions that we make for ourselves beginning winning right now and I've absolutely pumped up and excited to hear from her To See what she made happen because she may choices for herself. That's a single mom. Don't get this twisted people. That's a single mom in the military who decided to say no when she wanted to say yes to save him be intentional. No and now. She's not buying a home. She's about to own that bad boy. Yes how's that feel. What that is is an absolute indication of what we do when we make decisions decisions and we get focused and not finished? I absolutely loved
New Federal Overtime Rule Takes Effect Jan. 1
"Which workers should get paid extra for working long hours? That question is at the heart of a new overtime rule. From the trump administration more workers now now qualify for overtime although far fewer workers will qualify under a rule that was proposed under President Obama. NPR's Alina Seljuk reports which the number of workers now eligible for overtime pay is growing by one point three million people that's because the Labor Department is changing the threshold for the kind of salary. Worker has to make qualify. Here's former Labor Department's chief economist. Heidi Sheer Holtz. There's just a broad rule that generally early people who work more than forty hours a week in this country are eligible for overtime pay and this one is about who's exempted from those protections. The people who get paid by the hour already have overtime pay guarantees. So this rule is for salaried workers and the idea behind it was that people who are say bona fide managers managers or supervisors don't need overtime pay protections. Here's Paula Zahn with the worker advocacy group National Employment Law project overtime rules a lot like a minimum wage for the middle class. They make sure workers have time for their personal lives by protecting the forty hour. Work Week and you know there was an exemption for highly paid managers and professionals. Who are you know the assumption was? They had the bargaining power to negotiate their own pay and work schedules. Except the salary level has eroded over the decades so people making as little as twenty four thousand dollars a year until today could have been denied overtime. Pay Think fast food or retail managers. The new trump role gives that threshold a boost up to nearly thirty six thousand dollars which she says mainly affect those lower-paid frontline managers she. He says before today six percent of full time salaried workers were eligible the trump administration's rule raise it to just around fifteen percent sheer sure Holson worked in the Obama administration on another rule that would have by now extended overtime pay to more than twice as many workers she says by today would have guaranteed overtime. Pay Okay for managers making as much as fifty one thousand dollars a year but that rule was challenged by the business community and blocked by a federal judge in Texas the trump administration ernest ration- chose not to defend it but wrote its own version. Here's Mark Friedman Vice President for workplace policy the US Chamber of Commerce. We think that a more narrow a more refined sour special was was in order. And that's what this administration has put in place. Besides Friedman says many businesses did adjust to the Obama era rule for example changing schedules reshuffling duties or raising the salary for lower paid managers to keep them exempt from overtime pay and so he he says a lot of employers are already compliant with the new trump administration rule. A lot of the adjustments. That might have happened with already. Happened back in two thousand sixteen. Meanwhile argue the trump role is a missed opportunity. Well technically it's an increase in reality. It was a rollback a token increase increase that was aimed at blocking something. More significant and San points out. Multiple states have already taken on overtime. Pay going beyond the new federal
Economic Crisis Rattles Venezuelan Cattle Ranchers
"Support for this podcast and the following message come from frame bridge they make custom framing easy and affordable frame your art in photos at frame bridge dot com or visit their new stores located on Fourteenth Street and Bethesda row. Get fifteen percent off your first frame bridge order with Code N._P._R.. In Venezuela the food shortage there is such a crisis that millions of Venezuelans have left the country in the Western plains ranters dairy farmers find themselves pushing up many factors preventing them from ramping. Ramping up production everything from gasoline shortages to cattle wrestlers John Otis reports Jose Arteaga leads me on a tour of a slaughterhouse in the western Venezuelan town of my cheek is yes in the nineteen ninety s it was one of the largest in Latin America Arteaga and other workers killed in process seven hundred beef cattle per day. There were three shifts. The work was is nonstop Arteaga says today the pens shoots and killing floors are empty due to nationwide. White blackouts the facility is dark with pigeons flying around near the ceiling. The decline of Venezuela's meat and dairy industry has been a long time in the making it started in the two thousands when Venezuela's Socialist government seized is numerous ranches and milk plants as well as the machecas Slaughterhouse which critics contend was badly managed more recently as Venezuela has sunk into its worst economic crisis in history. There's been an outbreak of crime in rural rural areas and move US loose arrows. He thought people as you. Angelini says that famous recently stole two hundred forty cattle from his much his ranch they offered. Offered to release the animals in exchange for a ransom payment twenty four thousand dollar ransom for your two hundred forty head of cattle. Yes that's a lot yes a lot of money and you don't have ranchers face other hurdles. The collapse flaps Venezuela's oil industry coupled with U._S.. Sanctions against President Nicolas Maduro authoritarian government of leaded gasoline shortages spare parts and vaccines are also scarce says powered Marcus who heads the cattle ranchers. This federation in my cheek is we don't have the supplies tractors or on gasoline that you know all the all the things to make work in the farm and we have to reduce the for a a few years ago Venezuela had fifteen million head of cattle but Marcus says that number has fallen by more than half meat production has contracted by two-thirds a._F._D._C. Salon. I mean we will Kayla. Soldano Kenneka bus when meat is available. Marcus says that most Venezuelans are too poor to purchase it now. Ranchers and machecas are simply trying to survive. Eliya among them is Nester Romeo his four hundred acre dairy farm. It's been in his family for more than one hundred years yellow. Marino get throttled Neil yes if I fell only five even dollar but he he says his two sons have no intention of taking over the farm when Rome at a retires one recently left Venezuela now lives in Dallas by now. It's late afternoon in time to milk the cows but there's a problem blackouts followed by power surges when the lights come back on have damaged Romero's storage tanks unable to refrigerate milk you.
Why Trump's Tax Cut Will Be Eroded Next Year by Inflation Switch
"Headline in the Wall Street Journal reads, the Trump tax cut to be eroded next year by inflation switch. What are they talking about? Mike. I it's getting a little bit complex. But a lot of the numbers that we use when we're filing our taxes. They get adjusted every year for inflation and going forward the IRS is going to be using a different measure invitation than they have for the last few years. Okay. So long story short. Let's take these standard deduction this year. Twenty four thousand for married. Couples married couple you get deduct automatic twenty four thousand dollars off of your gross income next year. That's going to go up to twenty four thousand four hundred dollars based on the inflation number that the IRS is using. But if they have been using the old formula, it would have been twenty four or five fifty seems like a small amount, but compound that over a decade, and you can see how it would be pretty significant over a longer period of time. Yes. So you know, you figure. Okay. So it's one hundred and fifty bucks this year. Maybe it's one seventy the year after one eighty so, you know, over a ten year period that might be the standard deduction instead of going up by six thousand dollars goes up by five thousand instead, you know, those kinds of things again, those aren't the actual numbers. There's a bunch of the bat, by the way, don't even have indexed inflation. So for instance, the child tax credit just got bumped up to two thousand dollars, but it doesn't move. It's always going to be two thousand bucks unless they change. It manually was that the that was the same with the previous one right this previous ones. I think. Two thousand and pretty much didn't move. So it just something to be aware of as you're getting ready to head into twenty nineteen is look obviously tax brackets went down. But those brackets aren't necessarily adjusting up is much and some of the other pieces in terms of near that standard deduction and other things aren't adjusting up by as much as they would have previously as
RMDs: The money the government makes you take?
"I thought I would cover some of the basics of things that you might need to know about required. Minimum distributions and in particular, if you turn age, seventy and one half. Eighteen you have a required. Minimum distribution do this year. Now can be postponed until next year. But then you'd have to and there's a lot of planning that goes around. When when you have, you know, taxable income and sometimes that taxable income, and you've got to might not be as opportunistic as taking one this year. Another example, of course, would be if you're still working while your age seventy and a half, it might be beneficial for you to postpone taking it. So let's let's talk about required. Minimum distributions now. I know I know of no other plan. That retirement plan where you don't have to take a required. Minimum distribution. I'm talking about qualified plans 4._0._1._K's four zero three Bs profitsharing defined benefit money. Purchase. IRA's simple steps. Rollovers all of those subject to a required. Minimum distribution. However, if you own less than five percent of the stock in the company under which you are in a 4._0._1._K. Then you don't have to take a required minimum distribution from that particular 4._0._1._K plan. Remember the rules state that if you have other 4._0._1._K's four zero three Bs at cetera qualified retirement plans from other companies. You must take a required minimum distribution individually from each of those IRA's, no an IRA all non Roth IRA's can be at least from an accounting perspective amalgamated together, and you can take a distribution from any one of them to satisfy the requirements of all, but that is not the case with different qualified plans, and that's really important because some people will add everything up, including their qualified plans. Take a required minimum distribution. And remember the penalty is quite substantial. There's a fifty percent penalty on the amount you were supposed to withdraw and did not. So in that case, if you have two hundred thousand dollars in an IRA and four hundred thousand and a 4._0._1._K, and you take a six hundred thousand dollar amount and take four percent, which is about your first year required distribution, you take twenty four thousand dollars out of your IRA to satisfy all. You just violated the rules and you always fifty percent penalty on four percent of four hundred thousand dollars or about eight grand in a penalty tax. So you'll you'll have to make sure that you understand these rules now all of this money will likely be taxable. If the money went in pre-tax it's coming out taxable. Now, what a lot of individuals. Do not realize is if you had non deductible. Money's going into an IRA. You cannot single that money out and just take out that non-deductible money tax free. And the example I liked used because the math is simple as this. If you had ten thousand dollars of non deductible contributions, and your total IRA, including that ten thousand dollars is worth one hundred thousand. And you take a ten thousand dollar distribution. Only one thousand of it will be tax free ten percent of the total. In other words. There's a pro ration- if you will of the post tax money and the pretext money.
Hundreds of neo-Nazis march in Berlin, protected by police
"As a. Doctor And he went to get an MRI founded cost and twelve hundred dollars looked further and found. That people get charged up to twenty four thousand dollars, for an MRI if. They go into the and. They get one wow well he said let's stupid. Crazy and exploitive I'm going to buy one and offer it for a lot less but he couldn't get one because the state wouldn't let him It'd. Be News Radio I'm John
Amazon is being used as a laboratory for new products
"Ten years ago, the financial crisis changed the global economy as we knew it. If you've been following our project divided decade, you've heard some of the many ways that crisis also affected people's personal economic lives in today's installment of our series. How we changed. We hear from shontae Ray talking to us from one of the three toy stores. She owns in the Saint Louis area in one thousand nine hundred five. I took a job as a clerk in a little toy store and Edwardsville while I was getting my BFA in sculpture, and just I feel like kind of became a natural retailer. My husband was very supportive and seemed like he was willing to dive in lead a toilet with me. So we bought three giant stores with thirty five employees and the future was wide open. Two thousand eight. The holidays can didn't come. We didn't sell any doll houses. We didn't sign castles, train tables at stopped, and we came out of that season with a what the heck is going on. What? What just happened? Part of our strategy during the worst part of the crisis was to go directly to our Bank and talk to them. They could see it going on with everyone. So it wasn't a surprise that we were also struggling and we renegotiated the terms of our SPA loan. In two thousand thirteen. We went to our normal Bank appointment and the bankers called the entirety of our of our loan. We were shocked and heartbroken. The Bank guy cried with us. We cried and we were crushed. We sent out a letter on a Friday afternoon telling everyone that we were closing our stores. And at that point, hundreds and hundreds of families came people like, what are you talking about? This can't be possible. You know, I had moms that are like my water broke in your store. As all these families were coming in the question kept coming up, well, what do you need? Like? How much do you need? And we, you know, we said, I, it's a lot. I don't know. We don't know what it what we need to keep going, but we were kind of forced to give a number. And so we said, well, if we had seventy five thousand dollars, then we could push the Bank off, but I'm not comfortable with that, you know? And that's kind of where we left it. My husband and I was are actually our tenth wedding anniversary pi day twenty thirteen. My phone exploded and they had raised eighty two thousand dollars, and we're giving it to me no strings attached. And we were floored. When you have a town that says, we really want you here. You know, it's a very powerful statement by their grace was the only reason we're here. Well, in my hard work. The company shanty Ray and her husband own is called happy up Inc. We've got some pictures on our Instagram that marketplace APM. And while you're there, tell us your story with the hashtag how we changed. Welfare has been back in the news lately with the White House council of economic advisers calling earlier this month for reform of social programs, like food stamps and rental housing assistance. But while welfare has long, been one of those hot button issues that people tend to have a lot of opinions about the facts about how the system works in this country aren't so well known over the last few years. Our wealth and poverty team has been working to change that in their podcast, the uncertain our marketplace's Chrissy Clark led an investigation into how federal welfare funding actually gets spent across the country, and the answers are pretty surprising. She joins me now with an update on her reporting. Hi Chrissy. Hey, Amy. So we use the word welfare to mean a lot of things. What are we talking about specifically today? Yeah, so it can be used to refer to everything from food stamps, Medicaid. But what we're talking about right now is the program known as temporary assistance for needy families or Tanith. And this is the federal program that provide. Ads, cash assistance to poor families after welfare reform in nineteen, Ninety-six cash assistance, stop being something based strictly on need. And now there, lots of work requirements and time limits involved. The thing that changed is that welfare became a block grant. Capped at about sixteen point, five billion dollars a year. And now each year, the federal government gives a certain amount of town of money to each state states have to contribute some of their own funds. And then the key part is that each state decides how they're going to spend their pot of federal and state ten of money, and they are given a lot of flexibility and what do we know about how states are actually spending the money, so they're spending it in some pretty unexpected ways. The first surprise is that for the last few years, if you look at all the states combined only about a quarter of Tanna funds goes to actual cash assistance to poor families. Then another quarter of the funds goes to what you might call work, supports, things like job training. And child care transportation to and from work. But that's all to say that just a little more than half of Tanna funds go to what most people think of as like the core purpose of welfare, which is money directly assisting poor families or helping them get a job, where does that leave the other half? So that's where things get even more surprising. So states use some of it to fill their own budget gaps for unrelated things like pre k. and child protective services. And then there's this kind of crazy quilt of other programs that the money goes to for many years. For example, in Oklahoma, some welfare funding was going to marriage counseling workshops, not just for poor couples, but for anyone who signed up. And then Michigan is an interesting example about fifteen percent of Tanta funds there go into college financial aid and scholarship programs, and these largely benefit students from middle and upper income families, not just poor kids. So in fact, when you crunch the numbers, actually. More Tanith money is going to these college scholarship programs in Michigan than to actual cash assistance for needy families. Wow. Is that because there are just fewer families that need that help? No. So so nationally poverty has slightly declined in the last couple of years since the recession when it spiked. But the poverty rate is just about as high as it was back in nineteen Ninety-six. When we overhauled welfare around thirteen percent of Americans live below the poverty line. And that's about twenty four thousand dollars a year for a family of four. The other startling thing that I found in my reporting is that nationally very few families who are poor receive cash assistance. In fact, there are more avid postage stamp collectors than there are people who get cash welfare in the in the in the country nationally, just twenty three out of every one hundred families who live at or below the poverty line gets cash assistance in more than a dozen stay. As the decline is even more pronounced less than ten out of every hundred. Poor families gets cash assistance and what's behind that decline. So part of it is the time limits. You're just not allowed to receive assistance for as long even if you are still struggling with poverty. It's also just a harder program to navigate. Now, the application process is more difficult and more time consuming. There are these work requirements that can be hard to meet. So for families who don't have a lot of resources that might just discourage them from even applying in your reporting, what did you find in terms of what this actually means for families who are out there struggling to get by and could use that cash assistance? Yeah. So I've talked to people who sell their blood plasma to get by. They're also just the everyday tough choices that families face. I talked to one mom who on a given day might be grappling with whether to buy toilet paper or cough syrup for her kids because she just did not have enough money to buy both. So the hard question what is being done, if anything about this. So there is a welfare reform Bill that has been introduced in the house that would put more oversight on how states spend their money. And in the hearings leading up to the Bill, a member of congress actually pointed to things that we had revealed in our reporting like these college financial aid programs that we're getting ten if money that was going to higher income families. They pointed to that as one of the problems with how the program works. These days, the Bill had been expected to come to the floor this month. But in the run-up to the midterm elections, it looks like welfare is just too hot button topic to touch right now. So we'll have to see. All right, Christy Clark host of our documentary podcast, the uncertain our Krissy. Thanks so much. Thanks for having me. And you could see our updates to how your state spends welfare money at marketplace, dot org. Coming up for the first time, children with disabilities are entitled to more than just the bare minimum. But what if schools can't offer much more than that first, let's do the numbers. The Dow Jones industrial average fell thirteen points less than one tenth percent close at twenty five thousand forty four. The NASDAQ picked up twenty one points two-tenths percent to finish at seventy eight forty one and the s&p five hundred rose five points a tenth of a percent to end at twenty eight. Oh six more than a third of companies in the s&p five hundred report earnings this week investors will be watching for signs. The tariffs are affecting company decision-making bonds fell. The yield on the tenure t. note, rose to two point nine, six percent, and you are listening to marketplace. This marketplace podcast is brought to you by lending club for decades. Credit cards have been telling us by now pay for it later with interest, despite your best intentions that interest can get out of control fast with lending club. You can borrow up to forty thousand dollars to consolidate your high interest debt or pay off credit cards into one fixed monthly payment. Your path to financial stability starts today go to lending club dot com. Slash marketplace today to check your rate in minutes. All loans made by web Bank member FDIC equal housing lender, and by lifeproof backpacks. Check them out at lifeproof dot com. Slash marketplace and get fifteen percent off any pack. So phones and other small devices stay safe inside. Select backpacks also have an ingenious side access laptop pocket ideal. For when you're going through airport security. And speaking of security, most lifeproof backpacks are quipped with a super secret stash pocket when you need to hide away a passport or some cash, and they're all outfitted with front tie-down stole overseas stuff. Outside with four sizes, there's a lifeproof backpack for any outing grabbed the Quiapo eighteen leader for day trips up your carrying capacity with the squamish twenty liter or go with the go twenty two leader for tons of pockets or max out on space with the squamish XL thirty two liter get your lifeproof backpack. Now at fifteen percent off by going to lifeproof dot com. Slash marketplace, lifeproof backpacks, carry on. This is marketplace. I made me Scott. When you think about buying this week's groceries, chances are Amazon, isn't your go to destination? At least not yet, but that doesn't mean food isn't selling on the site. Nisha novelty food products are increasingly popular on Amazon, which has kind of turned it into a laboratory for testing new food products. Vanessa Wong as written about this. She's the deputy business editor for BuzzFeed news. I asked her, I some examples. Some of their bestselling products include like protein powder and like weird chocolate covered almonds that you've never heard of and strange, like limited time or promotional offerings from some of the bigger food manufacturers. So like one of the big themes this summer, you might know this a lot like Jurassic World Food being watched on Amazon, which includes like a twenty five dollar box of Kellogg's. Frosted flakes that comes with a digital screen loaded with behind the scenes footage of the film. Film which you can only get from a box of cereal on Amazon. You know, twenty five dollars sounds pretty cheap. That's true. You know, it's interesting. I was wondering like who actually buys this stuff, and I found this guy who bought the drastic world, frosted flakes and admitted that like in no sense was it worth twenty five bucks? He could have bought the cereal and like gone to see the movie for less than that. Why are they putting some things on Amazon that you wouldn't find say in a grocery store, there are a couple of reasons. It's kind of like a lower risk environment. So at traditional grocery stores, they actually charge manufacturers fee to have their products on display. And so there's that, you know, there are a lot of kind of logistical complications and supply chain things that get in the way of launching a new product. And when you go an Amazon, you kind of have a lot more control over the situation in terms of like how many you sell, how many produce how it's marketed. The thing that is a little. Complicate about Amazon is that Amazon obviously has a lot of control over like algorithms and like where your things show up, which obviously has a lot of impact on whether or not consumers see them and buy them. And how does this fit into Amazon's overall strategy? I mean, obviously, with the purchase of whole foods, it's a bigger player in the grocery space. Is this part of its larger effort to take over? You know, when it comes to Amazon's strategy who can really say at this point, they are like all over the place, but in terms of their food strategy, obviously they're trying to beef up like what types of offerings they have for customers. And one of the ways to like differentiate themselves from brick and mortar grocery is to like, have a different product assortment. So you know, by getting food startups launch, they're kind of like novel and novelty snacks and big manufacturers to kind of like tryout promotional items and other things kind of like brings customers to your sites in. Talking about food, right. Well, how long do you think before we might get there where people go to Amazon for their regular groceries, not just their Jurassic world, frosted flakes I think we're a long ways from their e commerce has had a lot more success in other industries like electronics, apparel, things that ship. Well, groceries is complicated. I mean, aside from like snacks and kind of other dry goods that are temperature sensitive at cetera. It's really hard to get people like, you know, regular food that they can cook that day. The market share of like ecommerce and food is tiny. It's like less than five percent. Still the nessa Wong is deputy business editor for BuzzFeed news. Thanks, thanks so much. At last count more than six and a half million public school children receive special education services, how schools educate those children is governed under a federal law that covers thirteen disabilities. A lawsuit about that law went all the way to the US supreme court last year. The court's ruling changes. What kinds of services schools and districts are legally obligated to provide? Marketplace's Lizzie O'Leary went to find out what that means for the country's largest school district New York City. I hate it. I'm listening Heinsohn picking in a bright orange shirt eight year Old Aden's ready to show off what he's learning in third grade. French, his mom Alana Philip remembers meeting his French teacher. I said French, he studied French because in pre k. Aden was diagnosed with a subtype of autism. One thing that really comes out clearly is it seems as though this thing is going to take a lot of money, there was the occupational therapist. So Aden could learn to hold a pencil. The reading program at one hundred fifty bucks a session and a private neuro psych evaluate and that costs forty five hundred dollars out of pocket in New York City within sixty days of requesting an evaluation. Parents, teachers and other school staff are supposed to hash out an implement a student's individualized education program or IEP under federal law. It's the document that lays out exactly what services a student with disabilities gets. Here's Alana. Philip again, what I had to really fight full was one to one tutoring, an extra support as we know not. All schools have the same resources that's Laurie pod Vesper. She's an advocate at include NYC a nonprofit that helps students with disabilities access services. She says school, sometimes make recommendations based on what they can give, not necessarily what students need in the past New York students with disabilities were often taught separately in their own classes. But then in two thousand ten, they changed the funding formula. Now the district give schools more money if they keep kids with disabilities in mainstream classrooms. The idea being that if you educate students with disabilities alongside their peers, they'll do better academically and socially, but it's just that enough again, Laurie pod Vesper who's a proponent for these kinds of classrooms? My gut reaction is no. There's still huge achievement gap between students with disabilities in New York City. In general education students, New York City schools spent three point, seven billion dollars on classroom instruction. For special education students last year about thirty percent of such spending and they're doing better at getting students classroom services than ever before. But still one in four kids don't get the full services. They're legally entitled to two families. Recently sued the district in a statement, the New York City department of education says they ensure students with disabilities have access to education in quote, the least restrictive environment, and they say they try to resolve concerns as quickly as possible nationwide. A lot of families have sued Jack Robinson Representative, Colorado family whose case went to the supreme court. You have this inherent tension between what the parents want and believe is necessary for their child to succeed. And you know, with the school district is is willing to do alerts financially or just conceptually the supreme court ruled unanimously that just access to education is not enough chief Justice. John Roberts wrote, schools need to offer. Services. So students quote, make progress appropriate in light of the child circumstances. But the first time children with disabilities are entitled to more than just the bare minimum, the federal law, which gives students with disabilities rights to an education also promises funding to cover forty percent of extra special education costs today, only fourteen percent of those funds have come through leaving it up to states and districts to figure out how and what they can pay for since the supreme court ruling the federal education department released guidance to schools clarifying their increased duties. What we don't know yet is how that will play out for students like Aden or anyone else with a disability since divided by ten by ten. Correct? Good boy, high five for now, it likely still means a lot of hard work in New York. I'm Lizzie O'Leary for marketplace. You can check out a marketplace, special report on the economics of disability. Fear more stories about work and healthcare, all at marketplace, dot org. And this final note, the new York, Daily News lost half of its newsroom staff today, publisher trunk Inc, which also owns the Chicago Tribune and the Baltimore Sun among others bought the tabloid last year for just a dollar plus the outstanding debt in a note sent to employees. The company said efforts. So far to stem revenue losses have not gone far enough. The cuts include the paper's editor in chief Jim rich who tweeted, and I quote, if you hate democracy and think local government should operate unchecked and in the dark, then today is a good day for you. That's it. We gotta go. The Dow Jones fell thirteen points less than one tenth percent. The NASDAQ picked up twenty one points, two tenths of a percent and the s&p five hundred rose five points a tenth of a percent. Our daily production team includes Bridget Bodmer Maria Holland. Horace Sean McHenry and daisy. Philosophies are special projects. Desk includes Tommy Andre
APD requests exemption from sending National Guard to border
"Stop a man critically injured at the flying j truckstop at ninety eight and i forty sunday night was taken off life support and has died albuquerque police say the man who's not been identified was intentionally struck by car the suspect fled the scene in silver chevy cobalt was a pennsylvania plate that suspect is still being sought the avid turkey police department last governor martinez for an exemption from deploying apd cops are in the national guard to be deployed to the border president trump is considering sending four thousand national guard members to secure the us mexico border but apd has a staffing shortage and fifty to sixty offices are in the national guard and apd spokesman says sending those officers to the border is a potential public safety risk in albuquerque the response of the governor's office says that martinez will work with the feds to determine what tasks and levels of support are needed the santa fe police department is working to bring back its bomb squad but it'll take time a city spokesman says the santa fe police department has received a twenty four thousand dollar grant from the state homeland security department to send three team members to the fbi's hazardous devices school as the only program in the us to train and certify bomb technicians but there's a long waiting lists the fbi has her has had to assist santa fe police on recent bomb skiers and occurred at the downtown post office and the social security office on fifth street coming up in one minute what you can expect the next time you fill up koa newsradio time nine oh four wanna get rid of an old.
The Latest: Russia says spy claims are British posturing
"The centers for disease control and prevention says suicide is the second leading cause of death for people aged fifteen to twenty four a consumer group has called for the dwp's ratepayer advocate to be flushed out consumer watchdog accuses the dwp of overcharging customers at ignoring calls to straighten out the bills group president jamie court says the ratepayer advocate isn't living up to his title is terrorism and the dwp is like a soviet bureaucracy it acts like that this woman claims the dwp shut off or power last fall because of a mixed up bill twenty four thousand dollars three kids in my house in santa monica andrew mollenbeck kfi news us ambassador to the united nations has america stands in solidarity with great britain against russia over the poisoning of a former russian spy nikki haley told a meeting of the un security council the us believes russia is responsible for the attack last week if we don't take a media concrete measures to address this now salisbury will not be the last place we see chemical weapons used britain's prime minister says the spy and his daughter were exposed to a military grade nerve agent russia has denied any involvement traffic from the helpful socal honda traffic center we have a crash.